Within the state of Colorado, employers that meet strict control standards can use self-insurance to mitigate workers’ compensation risks. The company must employ over 300 people to be eligible for self-insurance. The permit for self-insurance can be obtained through the Division of Workers’ Compensation.
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Frequently Asked Questions
In the State of Colorado, only those employing agricultural workers, employers of domestic workers, real estate brokers, sole proprietors, and partners are exempt from workers’ compensation requirements. All other companies must have some form of workers’ compensation insurance policy.
Regardless of whether the company has a 24-hour medical coverage policy with wage replacement or another form of protection for workers, they must have a workers’ compensation policy covering their employees. Workers’ compensation policies provide a higher level of protection to the business and the employee and can help safeguard against a range of coverage challenges.
Workers’ compensation insurance can be purchased through any private insurance company that is legally qualified to conduct business in the State of Colorado. Contact Monument Occupation Medicine for more details.
Posting: all employers are required to post in high-visibility areas written notices that they comply with the workers’ compensation guidelines. The notices should name the company’s insurance carrier, the carrier’s phone number and the instructions on how to make a claim.
Reporting: Workers have up to 4 days to file a report on an injury or work-related illness. Once this report has been filed, the employer then has 7-10 days to file the Employer’s First Report of Injury or Illness with their Labor Commission, then submit a copy of that report to their workers’ compensation insurance carrier as well as provide a copy to the affected worker.
Does the Employer Hold Responsibility for Reporting an Injury that Doesn’t Require First Aid?
The employer must file a report for any employee that has been treated by a physician regardless of the severity of the injury. Once the worker has been treated, the doctor is then responsible for filing a physician’s report.
The first step for employees reporting an injury or work-related illness is to notify their employer within 4 days. The employer will then be responsible for filing a workers’ compensation insurance claim within 7-10 days of the notification. It’s important to provide as much detail as possible when reporting the claim.
In managing workers’ compensation insurance claims, the company has the first right of refusal in designating a medical provider. If they do not deliver the provider’s information upon notification of an injury or illness, the employee may then select their own medical care provider.
In making a claim, an employee can work with the team at Monument Occupational Medicine by providing comprehensive information on how their injury or illness occurred. This process may include gathering information from superiors within the workplace or learning more on the regulations regarding workplace safety. Our team works with the employee to guide them during this process and can help fill out all required paperwork in filing a workers’ compensation claim.