Insurance Companion: Step-by-Step Help for Coverage Information & Claims

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Step-by-Step Guide to Filing a Claim with WorkSafeBC (WCB)

1. Report the Injury or Illness

  • Immediate Action: Notify your employer/supervisor as soon as possible. WorkSafeBC requires prompt reporting to initiate the claims process
  • Medical Attention: Seek treatment from a licensed healthcare provider (e.g., physician, physiotherapist) and inform them the injury is work-related

2. Create an Online Services Account

  1. Register: Visit the WorkSafeBC Online Services Portal and click “Register”.
  2. Required Information:
    • Customer Care Number and Personal Access Number (mailed separately for security)
    • Personal details (name, date of birth, claim number).
  3. Activate: Follow the emailed instructions to complete registration

3. Submit Your Claim

  • Online Submission:
    1. Log in to your account and select “Submit a Claim”.
    2. Upload documents (e.g., medical reports, employer incident reports) using the Document Uploader tool
    3. Complete the Report of Injury, Disease, or Hearing Loss form (available online)
  • Alternative Methods:
    • Employers/Healthcare Providers: Can submit claims directly on your behalf
    • Mail/Fax: Send completed forms to WorkSafeBC’s claims department (address provided on forms)

4. Track Claim Status

  • Dashboard Features:
    • View decision letters, medical reports, and payment details
    • Check the status of submitted documents (e.g., “pending review,” “approved”)
  • Direct Deposit Setup: Update banking details under “Payment Settings” for faster reimbursements

5. Engage in Recovery and Return-to-Work

  • Approved Claims:
    • Receive healthcare coverage (e.g., physiotherapy, medications) and loss of earnings benefits (75–100% of pre-injury wages)
    • Collaborate with a case management team (employer, healthcare providers) to plan a safe return to work
  • Disputed Decisions:
    • Request a reconsideration within 12 months of the decision
    • Appeal to the Workers’ Compensation Appeal Tribunal (WCAT) if unresolved

FAQ: WorkSafeBC (WCB) Claims Process

1. What is the deadline to report an injury?

  • Report immediately to your employer and submit a claim to WorkSafeBC as soon as possible. Delays may affect benefits

2. How long does claim processing take?

  • Most claims are decided within 14 days of receiving all required documents 11. Complex cases may take longer.

3. Can I upload documents without an online account?

  • Yes. Use the Document Uploader tool with the worker’s last name, date of birth, and claim number. Exceptions include reimbursement requests and contact updates

4. What benefits are available for accepted claims?

  • Healthcare Coverage: Includes treatments, medications, and medical devices
  • Loss of Earnings: 75% of pre-injury wages (up to annual maximum) or 100% for lower-income workers
  • Travel Costs: Covered for out-of-province treatments

5. How do I appeal a denied claim?

  • Submit a Request for Reconsideration within 12 months. If denied, appeal to WCAT within one year

6. Are mental health services covered?

  • Yes. Psychologists and psychiatrists with WorkSafeBC agreements are eligible

7. Can volunteers file claims?

  • No. Volunteers are generally not covered unless under specific agreements

8. How do I access my claim file?

  • Submit a Request for Disclosure form.

9. What if my injury prevents a return to work?

  • WorkSafeBC provides permanent impairment benefits and vocational rehabilitation services

10. Are students covered?

  • Paid Placements: Covered by WorkSafeBC.
  • Unpaid Placements: Coverage depends on the educational institution