Key takeaways
Coverage can depend on employment status, employer coverage, work connection, and the responsible state or federal program.
Records to organize
- Employment/pay records
- Contract or staffing records
- Coverage notice or insurer identity
- Incident/exposure record
Questions to verify
- Is the worker an employee under the applicable test?
- Does the employer carry required coverage?
- Is the injury sufficiently work-related?
- Does a federal or specialized program apply?
Official-source rule
Use the responsible state or federal workers’ compensation agency for current deadlines, forms, benefit rules, medical procedure, and hearing instructions.