In Colorado, workers’ compensation provides a safety net for employees injured on the job by covering medical expenses and lost wages. This no-fault system ensures that workers receive benefits regardless of who caused the accident, and it’s regulated by the Colorado Division of Workers’ Compensation (DOWC).
Who Is Covered?
Nearly all public and private employers in Colorado are required to carry workers’ compensation insurance. This includes both full-time and part-time employees. Independent contractors may not be covered, but disputes often arise around classification, especially in construction, transportation, and gig work.
What Benefits Are Available?
Injured workers in Colorado may be eligible for:
- Medical treatment and prescriptions related to the injury
- Temporary total disability (TTD) for time away from work
- Permanent partial or total disability (PPD/PTD)
- Vocational rehabilitation
- Death benefits for families of deceased workers
Reporting an Injury
Employees must report their injury to their employer within 4 working days. Employers then have 10 days to file a report with their insurer. Prompt reporting is key to avoiding delays or disputes.
Claim Process
Once reported, the employer’s insurer will investigate the claim. If accepted, treatment and benefits begin promptly. If denied, the injured worker can file an objection and request a hearing before an administrative law judge.
Medical Treatment and Doctor Choice
Employers typically provide a list of designated providers, and injured workers must select a doctor from that list. If the employer fails to provide this list, the worker may choose any licensed provider. A change in doctor requires approval from the insurer or DOWC.
Disputes and Hearings
If there’s a disagreement—over benefits, treatment, or disability ratings—either party can request mediation or a formal hearing. Many disputes are resolved through the pre-hearing process, though legal representation can help ensure a fair outcome.
Time Limits and Statute of Limitations
- Report to employer: Within 4 working days
- File a claim: Within 2 years from injury or last benefit payment
- File a hearing request: Typically within 45 days of denial
Common Workplace Injuries
The Colorado workers’ compensation system covers injuries from accidents and cumulative trauma, including:
- Back and neck injuries
- Slip and fall accidents
- Equipment-related injuries
- Repetitive motion injuries like carpal tunnel
- Occupational diseases such as silicosis or chemical exposure
When to Contact an Attorney
It’s wise to speak with an attorney if:
- Your claim is denied or delayed
- Your disability rating seems too low
- You’re being pressured to return to work early
- You suspect retaliation for filing a claim
Closing Thoughts
Colorado’s workers’ compensation laws are designed to support your recovery and financial stability after a work injury. Understanding your rights and acting quickly can make all the difference in how your claim proceeds.