Claims Kit

Penalties for Late Reporting IC 22-3-4-13, IC 22-3-4-15

An employer or insurance carrier that fails to comply with this subsection may be assessed a civil penalty of up to $50.00 for the first offense, up to $150.00 for a second unrelated offense and up to $300.00 for a third or subsequent unrelated offense. Civil penalties collected under this section shall be deposited in the workers' compensation supplemental administrative fund.

Physician Selection IC22-3-3-4

With few exceptions, the employer/insurance carrier has the right to direct medical care in Indiana. In most cases, the employer provides a physician, free of charge, for the treatment of an employee's injuries.

In emergency situations, the employee may be sent to the nearest possible treatment facility, with follow-up treatment chosen by the employer/carrier. If the employee seeks emergency medical care without the prior knowledge of the employer/carrier, the employee should notify the employer/carrier as soon as possible, requesting coverage under worker's compensation.

If the employer fails to provide "reasonable and necessary" medical treatment, the employee may go to any physician. However, if the employer/carrier refuses to pay for the treatment, the employee or the medical provider may have to file with the Board to seek reimbursement. IC 22-3-3-4(d).

When the employer directs an employee to medical treatment for a worker's compensation injury, the employer's insurance carrier cannot later refuse to pay for the treatment. IC22-3-3-4.

The employee always has the right to seek medical treatment and medical opinions at the employee's own expense.

Any time that an employee seeks medical treatment outside of the direction of the employer/carrier, the employee risks incurring liability for the medical bills. However, if the employee files an application for benefits with the Board, medical providers are to refrain from attempting to collect payment from the employee until it is determined who is liable for payment. IC 22-3-3-5.1.

Reporting of Claim by Employer IC 22-3-4-13

Within seven (7) days after the first day of disability and employer's knowledge of the disability that causes death or absence from work for more than one (1) day, a report hall be made in writing and mailed to the employer's insurance carrier or, if the employer is self insured, delivered to the worker's compensation board.

Posting Requirements IC 22-3-2-22

Employers are required to post a Notice of Worker's Compensation coverage in a conspicuous location in the workplace. The Notice must contain the name, address, and telephone number of the employer's insurance carrier or the person responsible for administering worker's compensation claims. Employers are obligated by law to provide employees with the name, address, and telephone number of the worker's compensation insurance carrier upon request.

An employer that has mobile or remote employees must convey the information above to their employees in an electronic format or in the same manner as the employer conveys other employment-related information. Changes to the information must be conveyed promptly to the employees in the same manner.

An employer or insurance carrier that fails to comply with this subsection may be assessed a civil penalty of up to $50.00 for the first offense, up to $150.00 for a second unrelated offense and up to $300.00 for a third or subsequent unrelated offense. Civil penalties collected under this section shall be deposited in the workers' compensation supplemental administrative fund. IC 22-3-4-15

Worker's Compensation Notice

Noticia de Compensacion Para Trabajadores