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We’re very sorry you’ve been hurt on the job. Our highest priority is to get you the information you need to help you get back to work sooner!
Speak directly to a nurse who specializes in treating workplace injuries and will recommend the type of care needed. Fifteen minutes after the call, policyholders receive a summary of the visit with the nurse and a claim is opened.
It’s OK to get emergency medical treatment before reporting your injury. Tell the medical staff your injury or illness is job-related so they can begin the workers’ compensation claim process.
Notify your employer of your injury as soon as possible, so they can let ICW Group know.
As part of this process, your employer may ask you to fill out a portion of the claim report form. Be sure to sign and date this form and request a copy from your employer for your records.
Once your employer submits your claim notice, you’ll be contacted by an ICW Group claims examiner (usually within three days). They’ll explain your benefits, guide you through this process, provide you with a claim number and answer any questions you might have.
If you require ongoing medical treatment, your employer or claims specialist may direct you to a qualified medical provider specializing in workers’ comp injuries.
You can get a list of providers in your area from your employer, or by asking your ICW Group claims examiner.
For more established occupational injuries and once a claim has been filed, telemedicine is also available. Using a smartphone, tablet, or computer you may visit a medical provider for diagnosis, treatment, and prescription medications. This service is accessible 24/7 and conveniently eliminates the need to drive and spend time in a waiting room. For more information, please call 844.442.9252 (844.4.ICW.CLAIMS).
Mileage to and from approved medical visits may be reimbursed. Report your mileage with the travel reimbursement form.
Most medications prescribed by your treating physician are covered as part of your medical benefits. To help facilitate this, you’ll receive a pharmacy card for authorization and payments. Be sure to inform your pharmacist of your workers’ compensation claim and show them your pharmacy card.
Please be aware not all medications are covered by workers’ compensation insurance. If you have any questions, contact your ICW Group claims examiner to confirm coverage
Approved medical care is covered 100%. If you receive a bill from your medical provider, contact ICW Group.
If your injury causes you to miss work, you may receive compensation for your lost wages, as explained to you by your claims examiner. You’ll receive these payments in the mail from an ICW Group Insurance Company (Insurance Company of the West or Explorer Insurance Company). Your first payment will be sent within 11 business days via US mail. After that, payments are typically issued every two weeks on a set schedule.
If you’re unable to work for a longer period of time, direct deposit can be set up for your convenience. Your bank account will reflect your payment the following business day after being processed. Call your claims examiner for details.
Once you no longer need medical treatment, you’ll be medically discharged by your medical provider. It’s important to get back on the job as soon as you can and it’s our goal to help. If you need to return to work with modified or light duty, it’s very important that you follow the limitations as outlined by your doctor. We can help your employer coordinate your return to work within your doctor’s guidelines.
I haven’t received my check. What should I do?
Typically, payments are issued every two weeks. We’re happy to assist you if you feel your check is overdue. Give us a call or contact us and we’ll assist you further.
Note: Payment schedules for some benefits vary, and you should discuss your specific circumstances with your Claims Examiner.
Are there any out of pocket expenses (copays)?
No. Approved medical care is covered 100%
Will I be reimbursed for mileage?
ICW Group may provide travel reimbursement for medical-related mileage depending on your state’s guidelines. Distance requirements and eligible reimbursements also vary by state. The Mileage Reimbursement Form helps you keep track of any travel to and from doctor visits, physical therapy, pharmacy, and other medical travel that may be eligible for reimbursement. Follow the submittal instructions on this form to receive prompt payment.
Can I enroll in direct deposit?
Yes, for extended periods of disability direct deposit can be set up for your convenience. Contact your claims examiner for details. With direct deposit, your bank account will reflect your payment the following business day after being processed.
When will I receive payment?
We send your first payment within 11 business days via US mail. After that, payments are typically issued every two weeks on a set schedule, until your doctor releases you to return to work (modified or full duty). Of course, the arrival of this check may vary depending on USPS delivery. For extended periods of disability, direct deposit can be set up for your convenience.
Note: Payment schedules for some benefits vary, and you should discuss your specific circumstances with your Claims Examiner.
What should I do if I can’t find my claim number?
That’s OK – you’re more than a claim number to us! We can also find your information using your name. If you have any questions or need assistance, simply contact us.
Do I need an attorney?
While you’re entitled to obtain legal representation, it’s not necessary for payment of benefits. In fact, the majority of work-related injuries have a successful outcome, without an attorney. Our goal is to provide you with the best experience possible for your care and to be there for your questions or concerns.
It is your right to seek counsel if you choose. This is a personal choice and is completely up to you.
Do I need to be a full-time employee to be covered?
You may be eligible to receive benefits even if you are a part-time or contract worker. Check with your employer if you are included in their workers’ comp coverage.
How do I report a claim?
Simply report your injury to your employer. They will submit your injury information to ICW Group. Your employer may have you complete an employee portion of a claim form and provide you with pamphlet explaining your benefits.
You should always check with your employer (manager or supervisor) to report all injuries, no matter how small. Minor injuries, such as a cut or scratch, may need to be properly cared for with first aid treatment.
Who do I talk to about my claim?
You should talk to your claims examiner handling your claim. They’ll be able to help with your specific situation.
If you’re not sure how to contact your claims examiner, call us at 844.4-ICW-CLAIMS (844.442-9252), and we’ll make sure you get the help you need.
Must I be a U.S. citizen to receive workers’ compensation?
You don’t have to be a legal resident of the United States to receive most workers’ compensation benefits.
I’m afraid I’ll be fired because of my injury. Could this happen?
It’s illegal for your employer to punish or fire you for having a work-related injury, or to punish or fire you for filing a workers’ compensation claim when you believe your injury was caused by your job.
Can I have my regular doctor treat me for my workplace injury?
Your employer will direct you to the authorized medical treatment clinic for the initial treatment.
Is telemedicine available?
If your injury is suitable for treatment via telemedicine, your claims examiners can help you get set up with this treatment option.
I don’t have my pharmacy card – how can I fill my prescription?
We’ll mail you a pharmacy card within a few days of your claim being reported, but, if you don’t have your card, download the Workers’ Compensation Prescription Information Form and take it to one of our participating pharmacies.
Can my prescription be mailed to me?
Yes! You can sign up for home delivery of your prescription by contacting myMatrixx Help Desk at (877) 804-4900.
Are prescription medications covered?
Prescription medications from your authorized treating physician are typically included as part of your medical benefits. However, not all medications are covered under workers’ compensation insurance. It’s important to discuss medications recommended with your Claims Examiner to confirm coverage. If you are denied medications(s) at the pharmacy, please call (877) 804-4900.
How do I fill my prescription?
We’ll mail you a pharmacy card within a few days of your claim being reported. Use your pharmacy card and tell the pharmacist you have a workers’ compensation claim with ICW Group. This card helps make prescription authorizations easy. If you don’t have your card, your employer can complete the Workers’ Compensation Prescription Information Form, which you can use as a temporary card.
What is workers’ compensation?
Workers’ compensation is a type of insurance policy coverage your employer has on behalf of their workers. It protects you as their employee and is driven by state laws. If you’re injured while on the job, you may be entitled to workers’ compensation benefits. You may be eligible for some or all of the benefits, depending on your claim.
At ICW Group, our highest priority is to help injured workers receive the medical care they need in order to recover and return to work. We understand workers’ compensation claims can be confusing, and our specialists are here to help you throughout the process.
What compensation benefits are covered?
Depending on your injury, illness, and specific situation, your benefits may include loss wage coverage, medical care, prescription drugs, physical therapy, temporary and/or permanent disability benefits.
How does workers’ compensation work?
Workers’ compensation stands at the ready for when there is a work-related injury or illness. Once you notify your employer that you’ve been injured, the claims process starts.
Your employer may have you complete an employee portion of a claim form and provide you with a pamphlet explaining your benefits.
Your ICW Group claims specialist will contact you to guide you to the next step, which may be directing you to an appropriate medical provider in your area.
My doctor put me on “modified duty.” What do I do?
Modified duty means that temporary limitations may be placed on your work activities during your recovery. It’s very important that you follow limitations outlined by your doctor. It’s also important your employer is aware.
If these limitations prevent you from performing your regular work duties, we can help! We’ll work with your employer to coordinate your return with modified duty. Contact your claims examiner for details.
How do I return to work?
Our goal is for you to make a complete recovery so that you are able to return to your regular job. Returning to work involves coordination between you, your employer, your claims examiner, and your treating physician.
Your medical provider will provide you with a medical release to return to work, either recommending full or modified duty. Be sure to keep your employer and claims examiner informed on when your first day back to work will be.
If your medical provider releases you for modified duty, you’ll need to discuss this with your employer to see if accommodations can be made.
