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

If you were injured due to your job, you may be eligible for workers’ compensation benefits. Visit our benefits overview page to learn more. We’re here to answer your questions and help you recover and return to work.


What to do next

To ensure 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 and 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:

    SFM Companies
    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.

Your return to work

If medical restrictions prevent you from returning to your regular job right away, your employer will look for a light-duty, transitional job that you can do. 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.