Following are answers to
the questions we hear most often about Claims. You may also have
questions about other areas and may find those answers on one of
our other FAQ pages.
What is the procedure for reporting a
Please download the helpful guide here.
Do we have to report an injury even if the employee does
not seek medical treatment?
Yes. Per the Indiana Workers' Compensation statute, any
injury that takes place at work should be reported via the First
Report of Injury form.
Do we report a claim if we don't think it happened at
work or it is not work related?
Yes. If an employee reports that an injury occurred at work, you
must file the claim. However, you should let us know that you have
concerns or questions or that the claim warrants investigation.
Who completes the First Report of Injury?
The employer is required to fill out the First Report of
Is it necessary to have a designated
It is strongly recommended that you have a designated physician.
We would be happy to assist you with choosing a physician who is
familiar with Indiana Workers' Compensation.
Do we have to pay employees when they miss work for
treatment related to their work injury?
Yes. If an employee misses work for treatment of a work-related
injury, the employer is required to pay them their regular wage for
the time at the appointment and reasonable travel time to and from
the appointment. The employer does have the right to request that
treatment take place after working hours, if possible.
Are disability benefits taxable?
No. Workers' Compensation disability benefits are not
Is there a time limit to file a claim?
The injured worker has two years from the date of injury to file a
claim. The employer has seven days from notice of the injury to
file the claim.
When does an injured employee receive his or her first
check for being off work?
The first check should be issued on the 14th calendar day off
Who schedules an employee's doctor appointments?
The claims representative schedules the appointments.
Can an injured employee choose his or her own
No. Per Indiana statute, the employer / claims
administrator chooses the attending physician.
Will an injured employee get paid for mileage for
driving to a scheduled appointment?
If the employee travels outside the county of employment, he or
she is reimbursed for mileage. If treatment is scheduled within the
county of employment, there is no reimbursement.
What happens if an employee doesn't like the selected
The employee should always voice any concerns to the
claims representative. This does not necessarily mean that the
doctor will change, but the claims representative can help resolve
If an employee owes child support, is that taken out of
the Temporary Total Disability (TTD) check?
Child support is deducted from a TTD check only if there is a copy
of a court order on file.
Who pays for a second opinion?
It depends. If it is an authorized second opinion, the
Plan will pay. If an employee seeks out a second opinion
independently, it will be at his or her own expense.