Claims

When an accident happens and your employee is injured, you can rest assured knowing you have an experienced and professional claims team behind you. From filing the First Report of Injury/Illness form (FROI) to helping you get your employee back to work, we are here to guide you through the whole process.

Claims Process


Report & File a Claim

When a work-related injury or illness occurs, provide prompt medical attention, if necessary, and work with your employee to complete the FROI. SIF cannot open a claim until we receive this form.

Benefit Determination

Once we receive the FROI, SIF assigns a claims examiner to evaluate the claim and determine benefits. Medical and income benefits may be available based on guidelines established by the Workers’ Compensation Law.

Bills and Medical Treatment

SIF covers reasonable and necessary medical treatment as prescribed by the treating physician for accepted claims. Services include such things as: medical, surgical, hospital and nursing care; durable medical equipment such as crutches and braces; and travel expenses for medical exams and treatment.

Communicating with SIF

Consistent and ongoing communication with the claims examiner and employee is critical to ensure your injured worker receives the medical treatment and support they need. Be sure to respond promptly to any inquiries for further information so the claim can be handled quickly and efficiently.

Return to Work

When a physician authorizes the employee to return to work, either on a part- or full-time basis, you may need to complete a Supplemental or Restricted Duty report. If you have any questions about the form or its purpose, be sure to ask your assigned claims examiner.

Claim Closure

SIF closes claims when:

  • The treating physician indicates no further medical treatment is necessary
  • The injured worker successfully returns to work
  • There is no claim activity for 30-60 days
  • The injured worker is deemed medically stable and all benefits are paid
  • A permanent partial impairment is awarded and paid in full

Need further assistance?

Log into SIF’s secure portal to view policy specific claim information. Click on the email link to contact the examiner assigned to each claim.

You may also find the examiner’s contact information in the letter received from SIF when the claim was first submitted.

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