Sacramento Workers'
Compensation Lawyer

How Does the Workers’ Comp Process Work When I File My Claim?

You never want to be in a situation where you’re hurt in an accident–let alone one that happens at work that puts you out for any length of time. Unfortunately, though, this is something that can happen. It’s true you can file for workers’ compensation, but one advantage is that the process follows a standard path. Here’s what you can expect when you file:

• Reporting your injury – You need to tell your employer about your injury as soon as possible–legally within 30 days. Then, they’re required to give you a workers’ compensation claim form (DWC-1).
  
  

• Filing your claim – Once you complete the form, your employer forwards it to their workers’ comp insurance carrier, which starts the official claims process.
  
  

• Medical evaluation – You may need to be examined by a doctor within your employer’s medical provider network. If there’s a dispute about your condition, you may go through a Qualified Medical Evaluation (QME) process to resolve it.
  
  

• Claim decision – The insurance company will investigate the claim and either approve or deny benefits. If approved, you’ll begin receiving medical treatment and payments for lost wages. If it’s denied–or if the benefits offered aren’t enough–you can challenge the decision.
  
  

• Resolving any disputes – You have the right to appeal through California’s Division of Workers’ Compensation (DWC). That might involve attending a hearing or mediation, where having legal representation can make a big difference.
  
  

• Returning to work – If your injury allows, you might return to work with modified duties. If not, you could qualify for supplemental job displacement benefits—basically a voucher to help cover the cost of job training or education.
  
  

Even though the process is relatively the same, every workers’ comp case is different. Some injuries heal quickly, while others can impact your ability to work long-term. Acting early with this process gives you the best chance at getting the benefits you need. WIth that said, you need to know what you’re up against.

Why Would I Need to File a Workers’ Compensation Claim?

A lot of people think workers’ compensation only applies to high-risk jobs like construction or warehouse work. But here in Sacramento, any job can lead to an injury–whether you work in an office, on a job site, or out in the field. If your injury or illness is tied to your work environment or duties, you likely have the right to file for workers’ comp.

Again, it’s worth repeating that you don’t need to prove your employer did anything wrong. You just need to show that your injury happened because of your job. But there’s a lot of different potential reasons why you’d need to file for workers’ comp, and they usually involve things like:

• Broken bones or fractures

• Serious sprains and strains

• Back and spinal injuries, including herniated discs

• Neck injuries

• Head trauma or concussions

• Repetitive stress injuries like carpal tunnel

• Burns (chemical, electrical, or thermal)

• Deep cuts or lacerations

• Amputations or crush injuries

• Hearing or vision loss

• Respiratory issues from chemical exposure

• Skin disorders linked to hazardous materials

• Work-induced heart attacks or strokes

• Some job-related mental health conditions, including PTSD or anxiety

• Heatstroke or cold exposure injuries for outdoor workers

Even long-term exposure to toxic substances–like asbestos or fumes–can be grounds for a valid claim. What matters most is showing the connection between your condition and your work. But it’s also about taking the right steps to make sure you have a strong claim.

How Can I Build a Strong Workers’ Comp Claim in Sacramento?

Workers’ comp is supposed to be a no-fault system, but that doesn’t mean it’s automatic. Insurance companies often challenge claims—or try to pay out less than what’s fair. The stronger your documentation, the smoother your path forward. Here’s what you should do after getting hurt on the job:

• Report the injury ASAP – Tell your employer right away, even if the injury seems minor. California law requires you to notify them within 30 days—but the sooner, the better.
  
  

• Get medical care – Seeing a doctor immediately helps connect your injury to your job. If your employer has a medical provider network, you may need to choose a doctor from their list.
  
  

• Follow doctor’s orders – Stick to your doctor’s instructions. If you skip treatment or ignore restrictions, the workers’ comp carrier may question how serious your injury really is.
  
  

• Keep your records organized – Save copies of medical reports, work restrictions, prescriptions, missed work logs, and anything else that supports your claim.
  
  

• Be cautious with insurance adjusters – Insurance reps may act helpful but are often looking to minimize payouts. Be honest and clear, but don’t downplay your pain or accept a settlement without understanding your rights.
  
  

• Don’t rush back to work – Only return when your doctor clears you. Pushing yourself too soon can lead to setbacks—and could hurt your case if problems come back later.
  
  

• Stay consistent and truthful – Inconsistencies in your story or symptoms can undermine your credibility. Stick to what happened, and be honest about what you’re experiencing.
  
  

We know the process can feel overwhelming, especially when you’re trying to recover. That’s where we come in—to help you through each step, start to finish.

Frequently Asked Questions

How long do my benefits last?

If your claim is approved, you may receive temporary disability benefits for up to 104 weeks. If your injury is permanent or serious, you could qualify for additional long-term or even lifetime benefits.

Am I covered from day one?

Yes. From your very first day on the job, you’re protected by your employer’s workers’ compensation insurance–whether you’re full-time, part-time, or temporary.

Can I appeal a decision?

Yes. In California, this process starts by filing an Application for Adjudication of Claim with the Workers’ Compensation Appeals Board (WCAB). From there, you may go through a settlement conference, mediation, or even a formal hearing before a judge. Our team can help you through it.

The Law Office of Alice A. Strömbom Helps Injured Sacramento Workers Move Forward

Your job supports your life–but when you’re injured at work, everything can feel uncertain. That’s where we step in. At The Law Office of Alice A. Strömbom, we guide Sacramento workers through the claims process, explain every step in plain language, and help you stand up for the benefits you’re entitled to. If you’re unsure where to begin, we’ll walk you through it. Get started today with a free consultation.