- An injured worker must report an injury to the employer immediately. If the injury is not life or limb threatening, the injured worker selects a doctor from one of two medical providers that have been designated by the employer to treat the injuries. The physician selected by the injured worker becomes the authorized treating physician for purposes of this injury. Unless physically or mentally unable to do so, the injured worker must also notify the employer of the injury in writing within 4 working days of the injury.
- The employer notifies its insurance company (insurer) of the injury within 10 days of having been notified or having actual knowledge of the incident. This often takes the form of an Employer’s First Report of Injury.
- Unless the claim is denied, related medical benefits are paid and the claim is resolved without incident.
If the employee loses time from work in excess of 3 days (or 3 shifts); OR there is likely to be permanent impairment; OR the employer disputes the claim:
- The Insurer must file an Employer’s First Report of Injury with the Division of Workers’ Compensation. Within 20 days of notice of the injury, the insurer must state a position as to whether it accepts liability for payment of benefits (filing an Admission of Liability form), or denies liability for payment of benefits (a Notice of Contest form). The insurer is required to mail a copy of its decision to all the interested parties in the case.
- If the claim is admitted, authorized medical benefits will be paid in addition to wage replacement for lost time from work (beginning on the fourth full day of lost time, if the total amount of time does not exceed 2 weeks; or on the first full day of lost time from work if the loss exceeds two weeks.)
- The insurer will issue a Final Admission of Liability when all issues have been addressed, including temporary disability benefits, permanent impairment, disfigurement and medical benefits.
Division of Workers' Compensation
633 17th Street, Suite 400
Denver, CO 80202
303-318-8700 (Metro Area)