Once an insurance carrier receives written notice of a work related injury, they should begin an investigation of the claim. Most investigations involve getting information from the employer, medical providers and the injured worker.
To avoid complications, an injury worker should make sure that how they report and describe the injury to the employer, medical provider, Division of Workers’ Compensation and to the insurance carrier are all consistent. Generally this is the information the insurance carrier uses to accept or deny a claim.
From the date the insurance carrier receives written notice, they have 60 days to accept or deny the claim. However, they must pay benefits after day 15 until the claim is denied.