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Injured at work?

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What to expect after your work injury
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Workers’ compensation benefits

Injured worker resources

Access your claim information

If you’re an injured worker who has a workers’ compensation claim with us, you can access your claim details online through SFM’s Claim Connection.

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Forms and documents

How SFM helps you recover

Contact your claims representative

Getting your prescriptions

We partner with pharmacy benefits manager MyMatrixx so you don’t have to pay up front for prescription medications you need to treat your work injury.

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Setting up direct deposit

For more timely payments, have your workers’ compensation benefit checks deposited directly into your bank account.

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Frequently asked questions

Workers’ compensation benefits generally cover medical costs and lost wages due to work-related injuries. To learn more, visit our benefit overview page.

A waiting period is the number of days you must be off work due to a work-related injury before benefits for lost wages begin. The waiting period is three days in Minnesota, Wisconsin, Iowa and Missouri. It’s seven days in Nebraska, South Dakota, Kansas, Indiana and Tennessee.

You may still be able to return to work in a modified or light-duty role if you have medical restrictions that prevent you from doing your regular job. Workers’ compensation benefits generally cover two-thirds of the difference if you receive less than your usual pay. If you can’t work at all, workers’ compensation benefits generally pay two-thirds of your average weekly wage, within minimum and maximum limits set by your state. Your state also has a set number of days you must be off work before you can begin receiving benefits. (See the question about waiting periods above for more information on that.) A number of other factors also come into play, so make sure to talk with your claims representative to get details on your specific situation.

It usually takes 14-30 days from the date you are injured to pay lost-time benefits, depending on your state’s deadlines. Our claims representatives try to issue checks as soon as possible after they have all the information needed to determine that you’re eligible to receive benefits. Workers’ compensation benefits generally cover two-thirds of lost wages due to a work injury, subject to minimum and maximum limits. Workers’ compensation benefits are not taxable. You could receive additional benefits if you have a permanent loss of function due to an injury.

If you have a question about the status of a check, call SFM at 800-937-1181. See additional information on the Workers’ compensation benefits page, or contact your SFM claims representative to learn more.

The insurer your employer uses for workers’ compensation coverage (like SFM) generally pays bills related to work-related injuries. The laws in your state dictate whether your injury is considered work related.

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