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State Fund is California's largest provider of workers' compensation insurance and a vital asset to California businesses. State Fund supports California's entrepreneurial spirit and plays a stabilizing role in the economy by providing fairly priced workers' compensation insurance making California workplaces safe, and restoring injured workers.

How to Maximize Your Workers’ Compensation Benefits

Time is money, especially with workers’ compensation claims. The longer you wait to report a work-related injury or illness, the more that claim can cost your employer in medical, legal, and insurance fees. Those expenses can cause cutbacks that could potentially impact your job security. Conversely, when you report a claim promptly, you help reduce expenses, stabilize the business where you work, and enable workers' compensation reform to continue strengthening California’s economy.

Before a work injury or illness occurs

Take a few minutes to locate and read the Notice to Employees poster in your workplace. This poster is designed to help you know:

  • Information on how to get emergency medical treatment.
  • Emergency phone numbers of the doctor, hospital, ambulance, fire, and police.
  • Your workers’ compensation benefits and rights.
  • Your insurance carrier’s medical provider network (MPN).

After a work injury or illness occurs

  • Tell your supervisor as soon as possible (best within 24 hours).
  • Complete a Workers’ Compensation Claim Form from your supervisor by describing your injury:
    • How it occurred
    • When it occurred
    • Where it occurred
  • Return the completed form to your employer.
  • When referred, see your employer’s MPN physician (unless you have already predesignated your personal physician). After the first MPN visit, you can select a different physician from the MPN network if you prefer.
  • If you experience a disability due to the injury or illness, ask your employer about a Return to Work (RTW) program.
  • Within the RTW program, discuss solutions for modifying an existing job or identifying an alternative job with your employer, the treating physician, and the assigned State Fund claims adjuster.

Reporting your claim promptly, using the MPN, and exploring your RTW options can net you and your employer the best results for quality medical care and reduced workers’ compensation costs.

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