Even if you’re disabled for less than 5 full or partial calendar days, you MUST REPORT YOUR INJURY (in writing) and can still file a “medical only” claim. If you suffer a work injury, the workers’ compensation insurer is required to pay for any medical treatment that is reasonable and related to your work injury. The key is to report your injury to your employer, so your employer can then contact their workers’ compensation insurer and inform them of your injury.
For example – you injure your back at work and go immediately to the emergency room. The next day, you feel better and return to work. The workers’ compensation insurer is required to pay for that Emergency Room visit. Therefore, you need to report the injury to your employer and make sure they report the injury to the workers’ compensation Insurer.