You were injured at work. Now what?
Being injured at work isn’t fun. We’re here to help you get the care you need to recover, so you can get back to normal life.
As a workers’ compensation insurer, SFM provides benefits to injured workers on behalf of their employers.
What is workers’ comp?
Workers’ compensation benefits are designed to:
- Replace wages lost due to a work injury
- Cover medical bills related to on-the-job injuries
You may be eligible for workers’ compensation benefits if you were injured due to your job. Visit our benefits overview page to learn more. We’re here to answer your questions and help you recover and return to work.
Forms you may need
The following forms might come in handy:
- Work Ability/Return-to-Work form
Take one along on each doctor visit.
- Mileage and travel reimbursement form
Use this to be reimbursed for mileage traveling to and from medical appointments.
- Authorization to release medical records (Minnesota)
- Authorization to release medical records (Iowa)
- Authorization to release medical records (Nebraska)
- Authorization to release medical records (South Dakota)
- Temporary prescription card
Learn more on our getting prescription medications page
What to do next
To make sure you get your benefits quickly and can return to work as soon as you’re able:
- Respond to your claims representative’s calls and requests for information as soon as you can. Be sure to let your claims representative know if your medical condition changes, you start missing work, you need a diagnostic test (like an MRI), or you need medical equipment.
- Stay in touch with the person in your organization who handles workers’ compensation claims. Provide an updated list of your work restrictions after each doctor visit.
- Make sure your doctor knows your employer offers light-duty work, and that you’ve filed a workers’ compensation claim. Give your medical provider the following billing information:
P.O. Box 9416
Minneapolis, MN 55440
- Follow your doctor’s restrictions both at work and at home.
- Put your claim number on all papers and forms sent to us.
What will happen next?
After we receive your injury report, typically your claims representative will contact you and your employer to get more information about the injury. They will also gather the medical records to help determine if your claim is a compensable work injury and benefits are owed.
Typically, this process can take anywhere from 14-30 days depending on the laws in your state.
Will I get paid for time off work?
If your treating physician takes you off work due to a work-related injury, you may receive workers’ compensation benefits to help make up for lost pay, but there are some limitations you should know about.
First, there’s a waiting period that is required before you can start receiving wage-loss benefits. This means you may not receive benefits if you are only off work for a few days.
Also, depending on your state, wage-loss benefits will typically cover two-thirds of the gross wages you would have received working at your regular job.
To learn more about wage-loss benefits, visit our workers’ comp benefit overview page.
Your return to work
Your employer will look for a light-duty, transitional job that you can do if medical restrictions prevent you from returning to your regular job right away. To return to work, you’ll need a written release from your doctor stating your restrictions, and that you are able to work.
If you work fewer hours or get lower pay than usual for your light-duty job, workers’ compensation benefits will pay half to two-thirds of the difference between your pre-injury wage and the reduced wage in most states.