The Workers Compensation Claim Process, how to claim injury compensation.#How #to #claim #injury #compensation


The Workers’ Compensation Claim Process

Most employers are required to carry workers’ compensation, or workers’ comp, insurance to cover employees who are injured on the job. Employees do not have to prove fault in order to recover, but benefits are not automatic. Specifics of the workers’ compensation claims process vary by state, but injured employees generally must notify their employer and the workers’ comp carrier. Regardless of state laws, however, injured employees are always encouraged to obtain any necessary medical treatment first.

Assuming you’ve already received medical attention, the workers’ compensation claim process involves several important steps. You must notify your employer in writing; fill out an official claim form (which should be provided by your employer); and keep detailed records about your treatment.

The workers comp claim process is discussed in greater detail below.

Get Immediate Medical Attention

Before filing a workers’ comp claim, make sure you get the necessary medical treatment. Some workers’ comp policies require injured employees to see a specified doctor, so you may want to ask your supervisor. But many state laws allow you to get a second opinion if you are not satisfied with the first one. Even if you don’t feel the need to get medical attention, it may be a requirement for the workers’ compensation claim process.

Keep in mind that a medical report will serve as an official record of your injuries and the basis for any workers’ comp reimbursement.

Notify Your Employer

Make sure you notify your employer about the injury within the statutory deadline, preferably soon after the injury occurs. In New York, for example, an employee has 30 days in which to notify their employer about a job-related injury. It’s a good idea to report all workplace accidents even if you don’t suspect an injury, just in case an injury is discovered after the deadline expires.

As with any legal process, make sure you notify your supervisor in writing. Even if you give verbal notification first, a written follow-up notification will provide an official record. The sooner you do this, the more details you will be able to recall.

Your employer probably will give you an official claim form as part of the workers’ compensation claim process. But if not, you should request one from the workers’ compensation board of your state. Generally, you will need to provide the following information on your workers comp claim form:

  1. Type of injury and affected areas of the body;
  2. Date, time, and location of injury;
  3. Parties involved in the accident;
  4. How the accident occurred; and
  5. Any medical treatment you have received

Workers’ Comp Claim Process: Employers’ Responsibilities

Employers that are required by law to provide workers’ comp coverage face the prospect of fines, criminal charges, and lawsuits if they fail to do so. Also, employers may not retaliate against a worker who claims workers’ comp. Therefore, employers have strong incentives to comply with the law and complete all valid claims.

Usually, your employer will file your claim with its insurer and the state workers’ comp board office. After your claim is evaluated by the insurer, an administrator will notify you about whether your claim has been accepted and the amount of benefits to which you are entitled.

After the Claim

Most of your involvement with the workers’ compensation claim process is complete after filling out the necessary paperwork. But you still want to follow up on your claim and make sure you keep detailed records. For instance, you may want to keep a journal of how the injury affects your work and day-to-day activities. Also, be sure to keep receipts for out-of-pocket expenses and proof of any other hardships caused by the injury.

If your claim is rejected, you will have the opportunity to appeal in most cases.

Need Help with Your Claim? Get Free Legal Assistance Today

Dealing with complicated legal matters can be very stressful for non-lawyers, especially after sustaining a work-related injury. The workers’ compensation claim process is often uneventful, but sometimes can require the delicate touch of an experienced legal professional. Have a workers’ comp attorney evaluate your claim today, at absolutely no charge.

See FindLaw’s Workers’ Compensation Basics section for more articles.


First Steps in a Personal Injury Claim, how to claim injury compensation.#How #to #claim #injury


First Steps in a Personal Injury Claim

The time just after you have been injured in a slip and fall or accident can often be a confusing and stressful. First an foremost, look after your health. But when you are ready, you can begin thinking about pursuing a personal injury claim for your injuries. Here are some frequently asked questions about the first steps in a personal injury claim.

I was hurt in an accident. What should I do first?

As mentioned in the introduction, the first thing that you should always do after being injured in an accident to look after your health. However, if you have already done this, then there are a number of steps that you can take that will help preserve your right to file a claim for your personal injuries. These steps are valid in most situations and there is no right order to take (note: if you need to file a claim against the government or a government agency, there are other specific steps that should be taken).

  • Collect evidence that can point to who caused the accident, as well as the damage caused by the accident. Photographs are useful here.
  • Write down everything that has happened to you after the accident. This may include things like medical bills, hospital visits, any lost work or wages, etc.
  • Be sure to get the names and contact information of any witnesses that may have observed the accident. Contact these people to confirm their contact information.
  • If you speak to other people that were involved in the accident, be sure to take notes about your conversation.
  • Tell anyone that you may file suit against that you are planning on filing a claim for your injuries and property damage.

How long do I have to notify a person that I am filing a claim for my personal injury?

If you are planning on filing suit against an individual or some other entity that is not the government or a government agency, there is not set time limit in which you have to notify that person of your intention to file a lawsuit. However, this does not mean that you should take your time with the matter. By acting quickly and efficiently, you will probably increase your chances of resolving your claim faster than if you delay.

It is good to keep in mind that even though you notify people of your intent to file a lawsuit, this does not mean that you must file a lawsuit. By giving notice, you only preserve your rights and prevent the other parties from defending against a lawsuit by arguing that you waited too long to inform them of your injuries. By notifying the other parties, you simply ensure that you can proceed with negotiations regarding settlement and arbitration at your own speed, without feeling rushed.

Is there a time limit in which I have to file my lawsuit to be compensated for my injuries?

Yes. Settling a personal injury claim can be time consuming, and if you fail to file your claim in a timely manner, you may be completely out of luck in collecting any sort of compensation. There are laws on the books called statutes of limitations that give the maximum time you have to bring certain types of lawsuits. If this time period passes you up, you may be barred from ever bringing suit to recover for your injuries. You should always check on your state’s statute of limitations for your type of claim to ensure that the time period does not pass you by.

How soon do I have to file a claim against the government for my personal injury?

Unlike filing a claim against an individual or a company, if you need to file a claim against the government or a government agency or employee, you have a limited amount of time in which you must file a claim. Depending upon your type of case and the state you live in, this time period usually ranges between 30 days and one year. If you do not abide by these timelines, you may lose your right to recover any sort of compensation for your injuries or property damage.

Get a Free Case Review Today

Injuries cost money, including medical bills and time away from work, which is why it makes sense to have an attorney help you with your claim. But if you’re not quite sure whether you need professional legal help after an injury, have a lawyer review your claim first at no charge. Then, if you decide you have a claim you want to pursue, you can take that next step.


Estimating the Value of a Back Injury Claim, how to claim injury compensation.#How #to #claim


Estimating the Value of a Back Injury Claim

A back injury claim allows you to get compensation from the person or business that is legally responsible for causing your injuries, or the underlying accident that led to your injuries. Since back injuries can range from strains and sprains to spinal cord injuries and paralysis, the settlement value of any given claim must be determined on a case-by-case basis. However, there are some general guidelines that apply when assessing the settlement value of a back injury claim, and this article offers some tips to keep in mind.

Typical compensation for a back injury claim includes both economic and non-economic damages (which are usually grouped together as a single award of “compensatory damages”). Let’s take a closer look at both types of damages in a typical back injury case, as well as other forms of financial recovery that may be available.

Economic compensatory damages (sometimes called special damages) are actual financial losses due to money spent — or money you are not able to earn — because of your injury. Potential economic compensatory damages in a back injury claim include:

  • Past and Future medical bills: These will vary based on the severity of your injuries. For a herniated disc, a surgery costs about $6,000 on average (this according to a 2006 report in USA Today, so current costs are likely a little higher). X-rays, which are often required even for minor strains and sprains, can cost from around $100 to more than $1,000, while physical therapy will likely cost at least $100 per session. In cases involving serious spine injuries and paralysis, the cost of future medical care (lifelong in some cases) can be millions of dollars.
  • Lost income and wages: In a back injury claim, you’re entitled to compensation for any lost income and expected future reduction in your earning capacity. Lost wage damages are determined by an examination of your salary history and the amount of work you missed, including sick time or vacation time. Lost future income (or loss of earning capacity) is calculated under a complex formula that includes assessment of your projected earnings and the impact your back injuries will have on your ability to do any kind of work.

Non-Economic Compensatory Damages

Non-economic compensatory damages (sometimes called general damages) provide compensation for non-monetary losses associated with the effects of your back injuries — losses that aren’t always easy to put a dollar value on. Non-economic compensatory damages typically include:

  • Pain and suffering: A pain multiplier is often used to assess pain and suffering damages. That means your economic compensatory damages (i.e. medical expenses and lost wages) will be multiplied by a set number (between 1.5 and 5, for example) although in cases of serious injury, the multiplier may be significantly higher (10, for example).
  • Emotional distress: When applicable, emotional distress damages may be assessed separately or compensated as part of pain and suffering, depending on state law.
  • Loss of consortium. When back injuries are so serious (as in cases of partial or total paralysis, for example) that the victim’s loved ones (spouses and children) are deprived of a normal loving relationship and companionship (including the loss of a marital sexual relationship in the case of a spouse), loss of consortium damages may be awarded. In some states, these damages are included as part of a back injury victim’s compensatory damages award. Elsewhere, affected family members must sue separately for loss of consortium damages.

Punitive Damages

In rare circumstances, punitive damages may be awarded in a back injury case. But there must be proof that the defendant’s action or inaction in causing the accident amounted to more than just run-of-the-mill negligence, and even then, punitive damages are usually only awarded after the case has gone through a full civil trial and a jury has decide that punitive damages are appropriate. The defendant’s conduct must be considered so outrageous or egregious that payment of additional damages is justified — not in order to compensate the back injury victim, but to punish the defendant’s behavior.

Other Factors That May Affect the Value of Your Back Injury Claim

While the severity of injuries is the major determining factor in the value of a back injury claim, two other considerations can also affect the amount of compensation received in a settlement or jury verdict. These include:

  • Comparative/contributory negligence: In a small minority of “contributory negligence” states, you recover nothing at all if you were partially at fault for causing the incident that resulted in your injuries. In the majority of states, a different rule called “comparative negligence” applies, and you may be able to recover as long as the other party was at least 50 percent or 51 percent responsible (states have different rules on the required fault percentage). Your damages award will be reduced by the amount of responsibility that you bear (so if you’re deemed 20% at fault, you’ll only collect 80% of your total damages). See this page to find your state’s law.
  • Failure to Mitigate Damages: After an accident, you are required to take reasonable steps to mitigate your damages. For instance, let’s say you suffer a back sprain and your doctor prescribes a compression brace for you to wear for up to 12 hours a day. But you don’t wear the brace at all (in fact, the defendant can prove you never even picked it up from the pharmacy), and your injuries become worse. Since you could have taken reasonable steps to treat your injuries, but chose not to, the defendant will almost certainly be off the hook for at least a portion of your damages.

To help you understand how compensatory damages and the multiplier work to estimate an insurance settlement, check out AllLaw’s Settlement Calculator.


Thompsons Personal Injury Solicitors Scotland, how to claim for whiplash.#How #to #claim #for #whiplash


Personal injury solicitors in Scotland seeking justice for you

We are a leading firm of accident claim lawyers – professional, friendly and dedicated to achieving the best outcome for you.

We believe that we have achieved this reputation through our passion for justice and our determination to always recover the maximum compensation that our clients are entitled to. If you need a lawyer for accident compensation advice, and ask us to help, we will do our utmost to achieve the best result for you.

How to claim for whiplash

Whiplash and RTA claims

Whiplash and RTA claims

Whether you have suffered a relatively minor whiplash neck injury or a car accident has resulted in severe life-altering injuries, our personal injury solicitors are here to listen, advise and represent you throughout your claim.

How to claim for whiplash

Lung disease and asbestos-related conditions

Lung disease and asbestos-related conditions

Scotland’s heritage of heavy industry has left a legacy of industrial diseases such as asbestosis and mesothelioma. If you have been exposed to.

How to claim for whiplash

Accidents at work

Accidents at work

Whether it’s a fall from height, an electrical accident, ill health caused by work or any work-related issue which has caused you pain and suffering and/or financial loss, Thompsons Solicitors in Scotland can help. Our team is extremely experienced and.

How to claim for whiplash

Medical product claims and clinical negligence

Medical product claims and clinical negligence

If you have received a defective medical product or the care and treatment you have received from healthcare professionals has been negligent, then.

How to claim for whiplash

No win no fee

No win no fee

We remove the worry from making a claim with our No Win No Fee Solicitors package which guarantees that you will receive maximum compensation with no hidden costs, no upfront outlay, just expert personal injury legal advice and representation.


Unemployment Benefits: Contesting an Employee – s Claim, how to claim unemployment.#How #to #claim #unemployment


Unemployment Benefits: Contesting an Employee s Claim

Not everyone who’s out of work is entitled to unemployment benefits. There are a couple of factors that dictate whether a former employee will receive unemployment benefits: the circumstances of the employee’s departure and whether the employer contests the employee’s claim. This means your company has a lot of power over whether a worker will receive unemployment benefits. If a former employee files a claim, your company will need to decide whether or not to contest it.

Employees are eligible for unemployment benefits only if they are out of work through no fault of their own. This rule works differently depending on whether the employee quit, was laid off, or was fired.

An employee who loses a job through a layoff or reduction in workforce is always eligible for unemployment benefits.

Fired employees can claim unemployment benefits if they were terminated because of financial cutbacks or because they were not a good fit for the job for which they were hired. They can also receive unemployment benefits if the employer had a good reason to fire the employee, such as being late for work several times, but the infractions were relatively minor, unintentional, or isolated.

On the other hand, in most states an employee who is fired for misconduct will not receive unemployment benefits. Although you might think that any action that leads to termination should constitute misconduct, the unemployment laws don’t look at it that way. Not all actions that result in termination are serious enough to qualify as misconduct and justify denying benefits to a terminated worker.

What qualifies as misconduct that will disqualify an employee from receiving unemployment benefits? Generally speaking, an employee engages in misconduct by willfully doing something that substantially injures the company’s interests. For example, revealing trade secrets or sexually harassing coworkers is typically the type of misconduct that renders the employee ineligible to collect unemployment benefits. Other common types of disqualifying misconduct include chronic tardiness, numerous unexcused absences, extreme insubordination, intoxication on the job, and dishonesty.

Common actions that often result in firing — but do not constitute misconduct — include poor performance because of lack of skills, good faith errors in judgment, inefficient work habits, an unpleasant personality, poor relations with coworkers, or off-work conduct that does not have an impact on the employer’s interests. An employee fired for any of these reasons will usually be allowed to collect unemployment benefits.

It is important to remember that what qualifies as misconduct is a matter of interpretation and degree. Annoying one coworker might not be considered misconduct that will disqualify an employee from receiving unemployment benefits, but intentionally engaging in actions that anger an entire department, even after repeated warnings, might be considered disqualifying misconduct.

If an Employee Quits

An employee who quits or resigns from a job will be eligible for benefits only if the employee resigned for “good cause.” A good reason for quitting a job, such as job dissatisfaction, is not necessarily good cause. The law requires the employee’s reason for leaving to be “compelling” — that is, the worker would have suffered some sort of harm or injury by staying. Put another way, the reason the employee left must be the sort that would have made any reasonable person leave.

If an employee leaves a job because of intolerable working conditions (such as being sexually harassed) or because of being offered the opportunity to quit in lieu of being fired, most states would allow the worker to collect unemployment benefits. Similarly, leaving a job because it poses a serious threat to the worker’s health or safety is usually good cause. On the other hand, most states would not accept leaving a job because it doesn’t offer opportunities for career advancement as a good cause, and it won’t make a worker eligible for unemployment benefits.

Should Your Company Contest the Claim?

Your state’s unemployment office — not your company — will ultimately decide whether a former employee can receive unemployment benefits. You do, however, have the option of contesting an employee’s application for unemployment benefits, and that option gives your company a great deal of power. In California, for example, the unemployment board presumes that a terminated employee did not engage in misconduct that would disqualify the employee from getting unemployment benefits unless the employer contests the unemployment claim. Thus, in California, terminated employees who claim unemployment benefits receive them unless the former employer contests the claim.

Remember, there is no reason — and there are no grounds — to contest an unemployment claim if the employee was laid off. There are also no grounds to contest the claim if the employee did not engage in misconduct but was fired for lesser reasons — for instance, for sloppy work, carelessness, poor judgment, or the inability to learn new skills.

Even if an employee engages in misconduct, your company might want to give up its right to contest an unemployment insurance claim as part of a severance package, especially if the fired employee seems likely to sue. In other words, your company would agree not to contest unemployment benefits and the employee would agree not to sue your company.

Your company should contest a claim only if it has grounds to do so — meaning that the employee engaged in serious misconduct or quit without a compelling reason. And even then, your company should also have a good, practical reason to contest. Employers typically fight unemployment claims for one of two reasons:

  • The employer is concerned that their unemployment insurance rates may increase. After all, the employer (not the employee) pays for unemployment insurance. The amount the employer pays toward unemployment insurance is based in part on the number of claims made against the employer by former employees.
  • The employer is concerned that the employee plans to file a wrongful termination action. The unemployment application process can be valuable in discovering the employee’s side of the story, and it can also provide an excellent opportunity for gathering evidence — both from the employee and from witnesses.

If your company plans to contest an unemployment compensation claim, proceed with caution. These battles not only cost time and money, but they also ensure that the former employee will become an enemy. The employee might even file a wrongful termination lawsuit that otherwise could have been avoided. And if the fired worker has friends who remain on the job, they too may doubt and distrust your company’s tactics.

Before making any decisions, you might want to do some research by contacting your state’s unemployment office for specific information about the law in your state. This office can tell you what effect a successful unemployment benefit claim will have on your company’s rates. If it’s relatively small, backing off might be a good idea.

For more information about unemployment benefits, and other human resources issues, see The Manager’s Legal Handbook, by Amy DelPo and Lisa Guerin (Nolo).


The symptoms of whiplash and how to claim compensation for an injury in the UK


The symptoms of whiplash and how to claim compensation for an injury in the UK

Whiplash is suffered by hundreds of road accident victims every single day. If it happens to you, the law says you are entitled compensation

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  • 09:40, 24 OCT 2017
  • Updated 09:43, 24 OCT 2017
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Whiplash is suffered by hundreds of road accident victims every single day. If it happens to you, the law says you are entitled compensation

Many of us don’t realise the severity of whiplash and the impact leave on a person’s life.

There really are quite a few different ways to suffer from this elusive injury. Some can leave you feeling the pain for days, others months, and some never really go away.

What is whiplash?

Whiplash is often referred to as a neck sprain or neck strain. It is an injury to the soft tissues of the neck and back and is defined as an injury caused by a severe jerk to the head, typically in a car accident. It’s common in urban traffic accidents, and while symptoms can take 6-12 hours to develop, they could keep getting worse for several days.

What is the most common cause of whiplash?

The most common cause of whiplash is a rear shunt car accident where one vehicle runs into the back of another. Whiplash can occur at an accident of any speed, and even happen at speeds as low as 5 to 8.

Greater injury can occur if a person’s head is turned at the time of impact or if they are surprised and unprepared for the collision. A history of neck injury may also contribute to increased whiplash pain. The amount of pain a person suffers after an accident is complicated by that individual’s susceptibility to injury-which can be difficult to predict.

How to claim for whiplash

What are the symptoms?

  • Stiffness in the neck- soreness and difficulty moving the neck, especially when trying to turn the head to the side.
  • Blurred vision- a lack of sharpness of vision resulting in the inability to see fine detail.
  • Headaches- a tightening around the head and neck, followed by aches.
  • Lower back pain- any pain between the bottom of your ribcage down to the top of your legs.
  • Dizziness- a sensation of spinning and losing one’s balance.
  • Ringing in the ears (tinnitus)
  • Sleep disturbances
  • Irritability
  • Tingling or numbness in the arms
  • Difficulty concentrating

Take the 30-second test below and find out how much you could be entitled to.

How to treat whiplash?

If you’ve been injured, you should seek the advice of a medical professional. Most whiplash symptoms of the back and neck can be treated with ‘over the counter’ painkillers and ice to reduce pain, swelling, and muscle spasms.

How to claim for whiplash

How long does whiplash last?

Whiplash generally only lasts a few days, but can last more than a year in severe cases.

Read More

Personal injury claims

How to claim for whiplash

How to claim for whiplash

How to claim for whiplash

How to claim for whiplash

Can whiplash come back?

Like any injury, whiplash pain can reoccur. However, with the right treatment and care you should expect to make a full and permanent recovery.

What is the average whiplash payout?

There are many factors which are taken into account when whiplash compensation is being calculated.

Looking to claim?

If you want to know how Accident Advice Helpline can help you, click here to see how to start your personal injury claim or call:


How to Claim Compensation for Whiplash (with Pictures), how to claim for whiplash.#How #to #claim


How to Claim Compensation for Whiplash

Whiplash is the most common form of injury that follows an automobile accident. A whiplash injury refers to severe muscle strains in the neck and shoulder region. However, if you have been inflicted with such an injury due to the negligent driving of someone else, then it is necessary that you claim compensation for whiplash against the negligent driver. A claim will cover your current medical expenses, as well as your future medical treatment.

Steps Edit

Part One of Eight:

Preserving Your Claim for Compensation Edit

How to claim for whiplash

How to claim for whiplash

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How to claim for whiplash

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How to claim for whiplash

Part Two of Eight:

Documenting Your Injuries Edit

How to claim for whiplash

How to claim for whiplash

How to claim for whiplash

How to claim for whiplash

How to claim for whiplash

Part Three of Eight:

Filing a Claim with an Insurance Company Edit

How to claim for whiplash

How to claim for whiplash

How to claim for whiplash

How to claim for whiplash

How to claim for whiplash

How to claim for whiplash

How to claim for whiplash

How to claim for whiplash

Part Four of Eight:

Hiring an Attorney Edit

How to claim for whiplash

How to claim for whiplash

How to claim for whiplash

How to claim for whiplash


The Letter Your Teenager Can – t Write You, how to write a claim letter.#How


The Letter Your Teenager Can t Write You

How to write a claim letter

How to write a claim letter

This is the letter that I wish I could write.

This fight we are in right now. I need it. I need this fight. I can’t tell you this because I don’t have the language for it and it wouldn’t make sense anyway. But I need this fight. Badly. I need to hate you right now and I need you to survive it. I need you to survive my hating you and you hating me. I need this fight even though I hate it too. It doesn’t matter what this fight is even about: curfew, homework, laundry, my messy room, going out, staying in, leaving, not leaving, boyfriend, girlfriend, no friends, bad friends. It doesn’t matter. I need to fight you on it and I need you to fight me back.

I desperately need you to hold the other end of the rope. To hang on tightly while I thrash on the other end—while I find the handholds and footholds in this new world I feel like I am in. I used to know who I was, who you were, who we were. But right now I don’t. Right now I am looking for my edges and I can sometimes only find them when I am pulling on you. When I push everything I used to know to its edge. Then I feel like I exist and for a minute I can breathe. I know you long for the sweeter kid that I was. I know this because I long for that kid too, and some of that longing is what is so painful for me right now.

I need this fight and I need to see that no matter how bad or big my feelings are—they won’t destroy you or me. I need you to love me even at my worst, even when it looks like I don’t love you. I need you to love yourself and me for the both of us right now. I know it sucks to be disliked and labeled the bad guy. I feel the same way on the inside, but I need you to tolerate it and get other grownups to help you. Because I can’t right now. If you want to get all of your grown up friends together and have a ‘surviving-your-teenager-support-group-rage-fest’ that’s fine with me. Or talk about me behind my back I don’t care. Just don’t give up on me. Don’t give up on this fight. I need it.

This is the fight that will teach me that my shadow is not bigger than my light. This is the fight that will teach me that bad feelings don’t mean the end of a relationship. This is the fight that will teach me how to listen to myself, even when it might disappoint others.

And this particular fight will end. Like any storm, it will blow over. And I will forget and you will forget. And then it will come back. And I will need you to hang on to the rope again. I will need this over and over for years.

I know there is nothing inherently satisfying in this job for you. I know I will likely never thank you for it or even acknowledge your side of it. In fact I will probably criticize you for all this hard work. It will seem like nothing you do will be enough. And yet, I am relying entirely on your ability to stay in this fight. No matter how much I argue. No matter how much I sulk. No matter how silent I get.

Please hang on to the other end of the rope. And know that you are doing the most important job that anyone could possibly be doing for me right now.


How to Write a Lost Wage & Income Demand Letter, how to write a claim


How to Write a Lost Wage Income Demand Letter

You need a lost wage and income demand letter to ask for monetary compensation for lost earnings related to injuries from an accident caused by another party. You typically send a lost wage and income letter to the insurance company of the other party. For example, you would send a demand letter to the auto insurance company providing coverage for a person who hit your car if the accident resulted in injuries to you and you missed time from work. A properly written demand letter improves your chances of getting back the earnings you lost.

Make a list of the lost income and wages to get an accurate total. For example, if you lost 20 hours of work, multiply the 20 hours by your hourly pay rate. Estimate as accurately as possible for self-employment wages. Compare the same 20-hour span from previous weeks to get an average income. Make copies of supporting documents, such as pay-stubs or business activity reports.

Ask the treating physician for a letter stating the dates you could not work. Ask the physician to include possible future dates of missed work.

Ask your employer for a lost wage and income statement if possible. Ask the employer to include how many hours lost and the total lost earnings.

Describe the accident in the first section of the letter. Include what you were doing at the time, the accident itself and that the other party is at fault. State any outside facts that point to the other party being at fault, such as witness statements and police reports.

Describe the medical treatments, pain you experienced and damage you suffered from the accident in the second section. Include medical terms. State the length of recovery and the injury s effects on everyday life.

List the lost wages and income in the third part of the letter. Include the future lost wages estimation. Mention the physician s letter. Refer to the employer letter if you have one. Show how you calculated the total if you do not have an employer letter and refer to the supporting documents.

State the monetary demand in the last section of the letter. Include the current and future lost wages, but round up to leave room for negotiation. Specify the demanded amount is only for lost income and wages.

Sign the letter. Print your name underneath the signature. Attach any supporting documents to the back of the letter.


Claim Letter, Sample Claim Letter Format, how to write a claim letter.#How #to #write #a


Claim Letter

What is a claim letter?

Do you know when claims can be made? It can be made when you want to claim for damage to the property or to the people.

Is the situation severe? If yes, then you can ask for full reimbursement and if no, then you can ask for partial reimbursement. Wishes of the applicant also play an important role in such a situation. As soon as the damage occurs, you should send the claim letter to the responsible company.

Claims can only be made when there is a legal agreement drafted between the two parties. In the claim letter, you should add supporting documents that can give a backup to your argument.

The claim letter is also written when a buyer has any kind of complaints regarding seller products and in such a letter, compensation is demanded. Sometimes in such a scenario, negligence of transportation authority can also affect the buyer’s product and this can compel him or her to write a claim letter.

When any customer writes a letter showing displeasure about any product and claiming compensation for the same, then such a letter can be named as a claim letter. Sometimes, such issues can be solved with a phone call or with a personal meet. It is always advisable to write a claim letter because such a document can work as a proof. An increase in the business volume of operations leads to an increase in the frequency of claim letters. In such a scenario, it becomes important for an organization to revert back in order to maintain its reputation.

Important Elements of a Claim Letter

Here are the few important elements of a claim letter:

  • What has gone wrong? It is important to give the right answer that can clearly explain the things that went wrong. Now be it a defective product or a faulty service, it is important to give full and quick information in your claim letter.
  • If it is a faulty product, then you should add details like date of purchase, date of arrival, an amount paid, the colour of the product, a size of the product, order number, model number, etc. Providing such details can make it easy for a supplier to re-check the product.
  • Is it a defect or is it the mistake? Whatever may be the problem, but it is important for you to mention the inconvenience caused by adding a statement related to it. You should also mention the details related to the loss suffered due to the defective product or bad quality of services.
  • It is important on your part, to be honest, and to motivate the reader so that the required action can be taken easily to rectify the situation.
  • Mention the things or the amount of money that you want to claim, in detail. Include a statement that says, the adjustments you would consider to be fair.
  • Always write such a letter to the head of the department, in order to get a quick response.

Tips on Writing an Effective Claim Letter

Now you must be knowing that writing a claim letter is like writing a complaint letter. You can get the claim granted with some satisfactory adjustments, only when your claim letter is accurately and tactfully written. Here are the few tips that you need to follow in order to write an effective claim letter:

  • In such a letter there is no scope of giving threatening messages or adding invalid accusations. What will you do if the matter is not solved? Don’t give the answer to this question in your claim letter.
  • You should always address such a letter to a specific person rather than addressing it to the entire company.
  • Start your letter with the positive attitude because studies have shown that such a letter created a good impact on a reader even if it is related to some criticism. It is human nature to get defensive when someone complaints. So it is important to mention a complaint in a good manner.
  • What is a specific problem that you are facing? What is a solution to it? Give answers to these questions in your claim letter.

Features of a Well-Written Claim Letter

Finding fault is an easy task for anybody! Adding such a fault tactfully in a claim letter is important. Here are the few features that should be the part of your well-written claim letter:

  • When you have the best reason to ask for a claim, then it is advisable to not make mistakes with your language.
  • It is important to be clear about the things that have gone wrong, in your claim letter.
  • Don’t be rude with your language or use any kind of bad words but it is important to describe the mistake accurately with the good tone in your claim letter.
  • Add details related to the definite dates, type of product, quality of services, invoice number etc. This can make it easy for the reader to trace your product.
  • Address the letter to the right person and state the adjustment that you are looking forward to.

You must be knowing now that a claim letter is written to ask for a possible compensation or any kind of adjustment. Understand one thing that mode of claims asked for, are not always the same and it may differ depending on the situation and the nature of loss. Below are the different mode of claims that a buyer can claim:

  • You can ask for partial or full refund
  • You can ask for a replacement of the defective product
  • You ask for the repair of the damaged product
  • You can ask to make future delivery of the product with the correct items
  • You can ask for further discounts
  • You can ask to make the required changes in the bill
  • You can ask to credit the amount to your purchase account
  • You can cancel your entire order or a portion of the order
  • You can ask to reschedule the payment process

How to Write a Claim Letter?

  • You need to specify the type of claim you are making in the beginning of the letter itself.
  • If it is an insurance claim, then don’t forget to add your policy number.
  • If you are using some documents as an evidence for your claim, then mention the details about the content of your document in your letter to support your claim.
  • Mention your contact details that can make it easy for the reader to contact you in the future.
  • Be thankful to the reader for maintaining patience and reading your letter.

Sample Letter for an Insurance Claim

A claim letter is a means to inform the company regarding the partial or complete damage happened and request the company for the reimbursement of the same. The letter has to be written by the claimant to ask for the compensation or to inform about the damage that has taken place. This letter is also [ ]

Sample Letter for an Insurance Claim

The sample letter for the insurance claim is written with regards to the insurance of your vehicle. It can also be regarding the insurance claim of any other things like life insurance mediclaim etc. This is completely an official letter and has to be written in formal manner. One can write insurance claim letter to [ ]

Warranty Letter

The warranty letter is written in case of a claim of a warranty of any product or service. The product may include refrigerator, cooler, DVD player, microwave etc. the letter contains the details about the product warranty number, period etc. This letter can also be included in the category of complaint letter. The letter is [ ]

Claim Letter

The letter of announcement will be referred to the upcoming customers, client contacts, existing customers to make them aware of some offers and schemes that can help them to make big savings. This would entitle the purpose of offering exciting offers in a money-spinning sense. These letters are written to the customers so that they [ ]