When does coverage begin?
How many days do I need to be hurt (or off work) in order to receive workers compensation benefits?
You have to be hurt (or off of work) for a minimum of 3 days before the insurance company will pay you Workers Compensation benefits. Payment of benefits will begin on the 4th day of lost time. If you are injured for more than 7 calendar days, the insurance company must pay you for the first 3 days that you missed work. If you do not receive payment from the insurance company, it is extremely important that you contact us immediately.