Pennsylvania Workers' Comp Claim Process: Step-by-Step Guide

Step 1: Report Your Injury Immediately

Report your car accident to your employer as soon as possible - ideally within 24 hours. Pennsylvania law requires notice within 21 days for full benefits. After 120 days, you may lose your right to benefits entirely.

• Report in writing if possible (email creates a record)
• Include date, time, location, and how the accident happened
• Describe your injuries, even if you're not sure how serious they are
• Keep a copy of your report

Step 2: Get Medical Treatment

Seek medical attention promptly. For the first 90 days, you may need to use a doctor from your employer's designated panel (if they have one). After 90 days, you can switch to your own doctor.

• Tell the doctor your injury happened at work
• Be thorough describing all symptoms
• Follow all treatment recommendations
• Keep copies of all medical records

Step 3: Your Employer Files the Claim

Your employer is required to report work injuries to their workers' comp insurance carrier. They should provide you with information about the insurance company and your rights.

Step 4: Insurance Company Decision

The insurance company will investigate and either accept or deny your claim. If accepted, benefits should begin. If denied, you have the right to appeal.

Step 5: If Your Claim is Denied

Don't give up. Many legitimate claims are initially denied. You can file a Claim Petition with the Bureau of Workers' Compensation to have a judge decide your case.