When Does Coverage Begin?

Regardless of how long an employee has been working for an employer, or whether or not he/she is in a probationary or training status, coverage for Workers Compensation purposes begins on the first day of work.
However, in order to expedite the processing of your claim, you should immediately report your injury or ailment to your supervisor.
It is your employer's responsibility to report your injury to their worker's compensation insurance carrier (or claims handling office).
In most cases, the first payment will be made by the insurance company within 14 days of your last day worked. If payment takes longer, you should contact your employer or their insurance carrier to find out the reason for delay.
There is a three-day waiting period. The first 3 days of lost time after the injury are not compensable. Compensation is payable beginning on your 4^th day of lost time. If your disability extends beyond 7 calendar days, the 1^st 3 days of lost time would be picked up and paid retroactively.