In addition to timely reporting your work injury to a supervisor or human resource manager as soon as possible following your incident, you must also make sure to report your injuries completely.
As I discuss in this video, insurance companies will carefully study the new patient intake forms generated by the first doctor or doctors who see you after your injury. If a particular body part is not included in the patient intake form, the insurance company will very likely refuse to cover treatment for that body part.
For example, if you fall off a ladder and hurt your head, neck and lower back, but your lower back really hurts and that’s all you discuss with the emergency room physician, your employer/insurer may very well deny treatment for your neck and head.
As bizarre as this sounds, I regularly hear about situations where a doctor will refuse to examine a patient who is clearly in pain because the source of the pain (i.e., the neck or shoulder) is not “authorized” by the insurance company. You obviously do not want this happening to you.
In this video I talk about how to properly report injuries and what to do if you think that your first report of injury was incomplete.