Workers’ compensation is a no-fault system. That means that, even if you were partly responsible for the accident, you’re eligible for workers’ compensation. If the incident happened in the workplace, while you were performing your normal job duties, you should go ahead and file a claim.
Legally, you have to report the injury to your employer within 120 days, but the sooner you make your claim, the faster you can receive the compensation you’re owed.
After they receive your report, your employer will forward your claim to the insurance company. Ideally, the insurance company will approve your claim, and you’ll start receiving benefits right away—it should be that simple.
Unfortunately, many workers’ compensation claims are denied every year.