How to File a Workers’ Compensation Claim in Colorado: Step-by-Step Guide

By Ryan Hoover • 11/18/2025

Workplace injuries can happen to anyone—whether you’re working in construction, healthcare, manufacturing, or even an office setting. If you’ve been injured on the job in Littleton or anywhere in Colorado, you may be entitled to workers’ compensation benefits. These benefits can help cover your medical expenses, lost wages, and rehabilitation costs while you recover.

Filing a workers’ compensation claim in Colorado can feel overwhelming, especially if you’ve never gone through the process before. At The Law Office of Ryan J. Hoover, LLC, we guide injured workers every step of the way. Below is a simple, step-by-step guide to help you understand how to protect your rights and file a successful claim.

Step 1: Report Your Injury to Your Employer Immediately

Colorado law requires that you notify your employer of your workplace injury within four days of the accident (or of realizing the injury is work-related). This report should be made in writing if possible.

Tip: Keep a copy of your written notice for your records—it can serve as evidence if your claim is challenged later.

Step 2: Seek Medical Treatment from an Authorized Provider

Your employer (or their workers’ comp insurance carrier) may provide you with a list of designated medical providers. You must seek treatment from one of these providers to ensure your medical bills are covered.

If your injury is an emergency, you can go to any hospital or urgent care first, but follow up with an approved doctor afterward.

Step 3: Your Employer Notifies the Insurance Company

After you report your injury, your employer is responsible for notifying their workers’ compensation insurance carrier. They must file a First Report of Injury (FROI) with the Colorado Division of Workers’ Compensation if your injury requires more than three missed workdays or medical treatment beyond first aid.

Step 4: Insurance Company Reviews Your Claim

Once notified, the insurance company has 20 days to accept or deny your workers’ compensation claim. During this time, they may:

Review medical records
Interview you and your employer
Evaluate whether the injury is work-related

If approved, you’ll begin receiving medical care and possible wage replacement benefits. If denied, you have the right to appeal the decision.

Step 5: Keep Detailed Records

To strengthen your case, keep copies of:

All medical records and bills
Communication with your employer or insurance company
Work restrictions provided by your doctor
Mileage for medical visits (reimbursable in many cases)

Step 6: Consult a Workers’ Compensation Lawyer

While many straightforward claims are approved, insurance companies often try to limit benefits or deny claims. An experienced workers’ compensation attorney in Littleton, CO can:

Ensure deadlines are met
Gather medical evidence
Represent you in hearings or appeals
Maximize the compensation you receive

At The Law Office of Ryan J. Hoover, LLC, we fight to protect Colorado workers and help them get the benefits they deserve.

Common Mistakes to Avoid When Filing a Workers’ Compensation Claim

Delaying reporting your injury (can lead to denial)
Seeing an unapproved doctor (may cause bills not to be covered)
Not following medical advice (insurers may argue you worsened your condition)
Accepting a settlement too quickly (may not cover long-term needs)

Final Thoughts

Filing a workers’ compensation claim in Colorado doesn’t have to be confusing. By acting quickly, keeping records, and seeking the right medical and legal support, you can protect your health and your financial future.

If you’ve been hurt on the job in Littleton or anywhere in Colorado, call The Law Office of Ryan J. Hoover, LLC for a consultation. We’ll help you understand your rights and guide you through the process.

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