| Do you know how to report a workers' compensation claim? |
| Our superior claims management makes the claims process easy so you can get back on the road. Learn more about what to do when you have a claim and the Protective process below. |
| 1. Report your incident to Protective. You can report a claim 24 hours a day, seven days a week online, by fax, or by phone. |
| 2. A claims adjuster will contact you within 48 hours requesting information related to your incident, such as employee information and an explanation of the incident. |
| 3. Complete a wage statement for the employee, typically a 52-week pay history. |
| 4. Your claim will be designated as Records only, Medical only or Lost time. Designation information is outlined in the box below. |
| 5. All claims will be fully investigated by licensed adjusters who are professionally trained to handle claims in your state. |
| 6. You can request a review of your claims history, cost projections and loss runs anytime. |
| Learn more about claims terms |
| Records only consists of claims that involve no financial activity and are simply reported to make Protective aware of a potential claim. These typically arise when an employee reports an incident, but the employee does not need to seek medical treatment and does not miss any work. |
| Medical only includes claims where the employee received medical attention but had no lost time from work. |
| Lost time refers to claims that involve any medically excused time away from work. |
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