This section of our Web site contains answers to workers' frequently asked questions about Pinnacol Assurance and our workers' compensation services. If you would like to add a question, please click here.

Coverage and Benefits
First Reports of Injury
Return-to-Work Programs

Coverage and Benefits
What is the difference between non-lost time claims and lost time claims?
Claims resulting from a work-related injury fall into two groups: non-lost time claims and lost time claims. A lost time claim occurs when a worker misses more than three scheduled work shifts due to the injury. Although most work-related injuries are not serious enough for a worker to lose more than three workdays, it is still important that workers report the injury to their employer immediately.

When am I entitled to compensation for lost wages?
After you miss three scheduled work shifts, you may be entitled to compensation for lost wages. If you are still unable to work after 14 days, you may be paid for the first three workdays missed.

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First Reports of Injury
What do I do if I'm injured on the job?
It is important that you immediately report ALL work-related injuries to your employer. Although the law requires you to report injuries to your employer in writing within four days from the occurrence of the injury, you should report injuries no matter when they occur. However, the sooner you report your injury, the sooner you will receive the medical management and benefits you are entitled to by law.

When you are injured at work and it is an emergency, go to the nearest hospital emergency room and then contact your employer and your company's designated medical provider, who will provide follow-up care. If your injury is not an emergency, see your employer's designated medical provider for treatment.

In some cases, injuries do not appear immediately. You should file a claim as soon as you know you are injured. If you are still employed by the company where the incident occurred, ask your employer to file a first report of injury. If not, file your claim by contacting the Division of Workers' Compensation at 303-318-8700.

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Return-to-Work Programs
Do I have to accept a modified duty position?
If a modified duty position approved by your doctor is offered to you, you must accept the job or face losing wage benefits. If the modified duty position pays less than the your regular pay, two-thirds of the difference will be paid to you by Pinnacol Assurance.

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