Claims process
When an employee is injured on the job in Sacramento, the Workers' Compensation claims process begins quickly. California sets strict deadlines, and missing them can create problems for both the employer and the injured worker. Here is a practical step-by-step guide for Sacramento employers.
If the injury is serious or life-threatening, call 911 or direct the employee to the nearest emergency room immediately. For less severe injuries, refer the employee to a designated medical provider within your Workers' Compensation network. California employers should have a medical provider name posted at the workplace before an injury occurs.
California requires employers to provide the injured worker with a DWC-1 claim form within one working day of learning about the injury. The employee completes their portion, and the employer completes theirs. Keep a copy for your records and give one to the employee. This form starts the formal claims process with your insurance carrier.
Submit the claim to your Workers' Compensation carrier as soon as possible. Many carriers offer online or phone reporting. Delays can affect benefit timing and may result in penalties. Sacramento employers should keep their carrier contact information accessible and train supervisors on the reporting procedure before an injury happens.
Record what happened, where it happened, who was present, and what equipment or conditions were involved. Take photos if applicable. A clear incident report helps the carrier evaluate the claim and can protect your business if questions arise later. Keep documentation organized in case of an audit or dispute.
Check in with the injured worker regularly. Maintaining contact helps the employee feel supported and can ease the return-to-work process. Discuss modified duty options if appropriate, and coordinate with the carrier on medical appointments, wage replacement, and recovery timelines.
When the employee is cleared to return, work with the carrier and the treating physician on any restrictions. A written return-to-work plan can reduce claim costs and help the employee transition back productively. Sacramento employers who document these steps demonstrate good faith and compliance.
California sets specific timeframes for claim reporting and benefit decisions. The employer must authorize or deny the claim within 90 days of receiving the DWC-1 form. Medical treatment must be provided within the first 30 days following the injury under most circumstances. Missing these deadlines can shift liability to the employer.
For help preparing your Sacramento business before an injury occurs, visit the Workers' Comp insurance page. You can also explore General Liability and Commercial Auto coverage for a complete business protection plan. Call 916-822-9595 — open 7 days a week, 8am to 8pm.