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Labour law6 min read

Work Injury: Who Pays During the First Days and How to File a Claim with National Insurance

After a work injury, payment does not begin automatically: the incident must be documented, medical documents must be obtained, and a claim must be filed with National Insurance. Before filing, the 91-day period mentioned in this article and the updated payment arrangements must be verified, because no official materials confirming the deadlines and amounts were provided.

Numbers and facts
  • •91 days — an indicative figure appearing in the article that must be verified according to the updated rules.
  • •0 confirmed amounts — the payment calculation must be checked individually.
  • •0 official links — none were provided in the source materials.

First, Document the Connection Between the Injury and the Work

Notify the employer of the incident as soon as possible, and request written confirmation of the date, location, and circumstances of the injury. Keep correspondence, witness details, photographs, and documentation of an ambulance call, if any. Even if the pain did not appear immediately, it is important to tell the doctor that it was preceded by an accident at work. Discrepancies between the worker’s account, the employer’s records, and the medical file may make it difficult to examine the claim.

What Should Be Obtained from the Employer

Request a document for the purpose of receiving medical treatment due to a work injury, as well as an employment certificate and wage details. It is advisable to obtain a copy of the internal incident report and the employer’s insurance details, if relevant. Verify that the date of the incident, the position, and the description of the work performed were recorded correctly. Do not sign a description of the facts that does not match what happened.

What Documents Are Required from the Doctor

The initial medical record should reflect the complaints, the diagnosis or preliminary diagnosis, and the connection between seeking treatment and the incident at work. Keep certificates of incapacity for work, referrals, test results, treatment summaries, and receipts for related expenses. If treatment continues, make sure that no unexplained gaps arise between the medical documents. It is better to correct any incomplete record immediately through the medical institution rather than explain the gaps retroactively.

Who Pays for Absence from Work

In such cases, the employer’s obligations and the worker’s right to receive payment from National Insurance may be significant. However, the source of payment on particular days depends on recognition of the incident as a work injury, the duration of the absence, and other employment circumstances. It should not automatically be assumed that ordinary sick days, payments from National Insurance, and funds from the employer are interchangeable. The precise arrangements for the period specified as the first 91 days must be verified according to the updated official rules or with a professional.

When Should the Claim Be Filed

Do not wait for treatment to end: it is advisable to begin preparing the claim after obtaining the initial documents from the employer and the doctor. Before submission, verify that the dates, the description of the incident, and the periods of incapacity for work match across all attachments. Keep a complete copy of the claim, proof of submission, and the notices that will later arrive from National Insurance. Because the materials do not include a confirmed deadline, it must be checked before filing, and you should not rely on memory or advice from colleagues.

FAQ

Can a claim be filed without a document from the employer?

The collection of evidence should not be delayed if the employer stalls or disputes the description of the incident. You should inquire directly with National Insurance or a professional as to whether filing without a particular document is possible and what procedure applies for replacing it.

What should be done if the employer refuses to recognize the injury as a work injury?

The employer’s position in itself does not replace examination of the claim by the competent authority. Document the refusal in writing, collect medical records, correspondence, photographs, and witness details, and then inquire about the procedure for filing independently.

Should ordinary sick days be used?

This depends on the legal classification of the injury and the payment arrangements for the specified period of absence. Do not automatically agree to the deduction of ordinary sick days before checking how this affects the claim and the calculation of the amounts due to you.

Can payment be received if the injury appears at a later stage?

The late appearance of symptoms does not prevent filing a claim, but it will be necessary to prove the connection to the incident at work through documents. Early reporting to the employer, an accurate initial medical record, and subsequent continuity of treatment are especially important.

What to do next

Notify the employer immediately and in writing, see a doctor with an accurate description of the incident, and collect all documents in one file. Before filing, verify through National Insurance’s official website or with a lawyer the updated deadline, the claim form, and the payment rules for the first days; this material is not a substitute for individual legal advice.

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