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Workers’ Compensation Board

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Workers' Compensation Coverage


What To Do When An Accident Happens

Responsibilities of the Insurance Carrier

The insurance carrier has 18 days from the date of disability or 10 days after the employer first has knowledge of the alleged accident or within 10 days after the carrier receives Form C-2, whichever is greater, to determine whether to pay benefits or controvert all or part of a claim. Until such controversy is resolved, the carrier does not have to pay indemnity or medical benefits, although the health care provider must continue to treat during this period.

If the insurance carrier agrees with the claim, payment of benefits must begin within 10 days of receiving the C-2 form, or 18 days after the date of disability or 10 days after the employer first has knowledge of the alleged accident.