{"id":373302,"date":"2016-10-24T13:04:20","date_gmt":"2016-10-24T18:04:20","guid":{"rendered":"https:\/\/content.findlaw-admin.com\/ability-law\/state\/indiana-law\/indiana-workers-compensation-laws.html"},"modified":"2018-12-10T15:05:04","modified_gmt":"2018-12-10T20:05:04","slug":"indiana-workers-compensation-laws","status":"publish","type":"page","link":"https:\/\/www.findlaw.com\/state\/indiana-law\/indiana-workers-compensation-laws.html","title":{"rendered":"Indiana Workers Compensation Laws"},"content":{"rendered":"\n<div class=\"wp-container-core-columns-is-layout-9d6595d7 fl-sectionWithSidebar fl-container fl-flex fl-flex-wrap fl-gap30\">\n    \n    <div class=\"fl-page-articles fl-section-main fl-section-main-full-width\">\n        <h1 class=\"fl-no-margin-top\">Indiana Workers&#039; Compensation Laws<\/h1>\n<section class=\"fl-gutenberg-byline\">\n    <div class=\"fl-gutenberg-byline-content\">\n                    <p><i>Created by <a href=\"https:\/\/www.findlaw.com\/company\/our-team.html\">FindLaw&#8217;s team<\/a> of legal writers and editors<\/i><\/p>\n\n                | Last updated\n        <time>\n                            December 10, 2018\n                    <\/time>\n    <\/div>\n\n    \n    <details class=\"fl-gutenberg-byline-toggle fl-gutenberg-byline-legally-reviewed\">\n        <summary>\n            <i class=\"fl-gutenberg-byline-icon\" aria-hidden=\"true\"><\/i>\n            Legally Reviewed\n        <\/summary>\n\n        <div class=\"fl-gutenberg-byline-toggle-content\">\n            <p><em>This article has been written and reviewed for legal accuracy, clarity, and style by <a href=\"https:\/\/www.findlaw.com\/company\/our-team.html\">FindLaw\u2019s team of legal writers and attorneys<\/a> and in accordance with <a href=\"https:\/\/www.findlaw.com\/company\/company-history\/editorial-policy.html\">our editorial standards<\/a>.<\/em><\/p>\n\n        <\/div>\n    <\/details>\n\n    <details class=\"fl-gutenberg-byline-toggle fl-gutenberg-byline-fast-checked\">\n        <summary>\n            <i class=\"fl-gutenberg-byline-icon\" aria-hidden=\"true\"><\/i>\n            Fact-Checked\n        <\/summary>\n\n        <div class=\"fl-gutenberg-byline-toggle-content\">\n            <p><em>The last updated date refers to the last time this article was reviewed by FindLaw or one of our <a href=\"https:\/\/www.findlaw.com\/company\/our-team\/contributing-authors.html\">contributing authors<\/a>. We make every effort to keep our articles updated. For information regarding a specific legal issue affecting you, please <a href=\"https:\/\/lawyers.findlaw.com\/?fli=bylinelink\" target=\"_blank\" rel=\"noopener\">contact an attorney in your area<\/a>.<\/em><\/p>\n\n        <\/div>\n    <\/details>\n<\/section>\n<p>Indiana is home to a stellar lineup of college sports and small-town charm. Whether you sell musical instruments, unclog drains, or decorate cakes, you know that looking out for one another in the Hoosier State is just par for the course. But if you get <a href=\"https:\/\/www.findlaw.com\/injury\/workers-compensation\/what-types-of-injuries-are-compensable-under-workers-compensation.html\">hurt on the job<\/a>, you are <a href=\"https:\/\/www.findlaw.com\/injury\/workers-compensation\/i-have-a-job-related-injury-what-are-my-employers-responsibilitie.html\">entitled to<\/a> coverage for medical bills and other expenses under Indiana workers&#8217; compensation laws.<\/p>\r\n<p>The table and information below summarize the most important aspects of Indiana&#8217;s workers&#8217; comp laws.<\/p>\r\n<table cellspacing=\"0\" cellpadding=\"7\" border=\"1\">\r\n<tbody><tr><td><p><b>Statute Section<\/b><\/p>\r\n<\/td>\r\n<td><p><a href=\"https:\/\/codes.findlaw.com\/in\/title-22-labor-and-safety\/in-code-sect-22-3-2-2.html\" target=\"_blank\" rel=\"noopener\">\u00a722-3-2-2, et seq.<\/a><\/p>\r\n<\/td>\r\n<\/tr><tr><td><p><b>Time limits<\/b><\/p>\r\n<\/td>\r\n<td><ul>\r\n<li>Notice to employer: 30 days (<a href=\"https:\/\/codes.findlaw.com\/in\/title-22-labor-and-safety\/in-code-sect-22-3-3-1.html\" target=\"_blank\" rel=\"noopener\">\u00a722-3-3-1<\/a>)<\/li>\r\n<li>2 years to file a claim (<a href=\"https:\/\/codes.findlaw.com\/in\/title-22-labor-and-safety\/in-code-sect-22-3-3-3.html\" target=\"_blank\" rel=\"noopener\">\u00a722-3-3-3<\/a>)<\/li>\r\n<\/ul>\r\n<\/td>\r\n<\/tr><tr><td><p><b>Wage Replacement Compensation Subject to Maximum<\/b><\/p>\r\n<\/td>\r\n<td><ul>\r\n<li>Amounts: yes (<a href=\"https:\/\/codes.findlaw.com\/in\/title-22-labor-and-safety\/in-code-sect-22-3-7-19.html\" target=\"_blank\" rel=\"noopener\">\u00a722-3-7-19<\/a>)<\/li>\r\n<li>Duration: yes (<a href=\"https:\/\/codes.findlaw.com\/in\/title-22-labor-and-safety\/in-code-sect-22-3-7-19.html\" target=\"_blank\" rel=\"noopener\">\u00a722-3-7-19<\/a>)<\/li>\r\n<\/ul>\r\n<\/td>\r\n<\/tr><tr><td><p><b>Choice of Doctor<\/b><\/p>\r\n<\/td>\r\n<td><ul>\r\n<li>No, except in an emergency (<a href=\"https:\/\/codes.findlaw.com\/in\/title-22-labor-and-safety\/in-code-sect-22-3-3-4.html\" target=\"_blank\" rel=\"noopener\">\u00a722-3-3-4<\/a>)<\/li>\r\n<\/ul>\r\n<\/td>\r\n<\/tr><tr><td><p><b>State Employees Covered<\/b><\/p>\r\n<\/td>\r\n<td><ul>\r\n<li>No (<a href=\"https:\/\/codes.findlaw.com\/in\/title-22-labor-and-safety\/in-code-sect-22-3-2-5.html\" target=\"_blank\" rel=\"noopener\">\u00a722-3-2-5<\/a>)<\/li>\r\n<\/ul>\r\n<\/td>\r\n<\/tr><\/tbody><\/table>\r\n<h2>Coverage<\/h2>\r\n<p>Most employers in Indiana are required by law to carry workers&#8217; compensation insurance for their employees. However, there are exceptions, including most railroad employees and <a href=\"https:\/\/www.findlaw.com\/employment\/hiring-process\/being-an-independent-contractor-vs-employee.html\">independent contractors<\/a>. Unlike many states, <a href=\"https:\/\/www.findlaw.com\/employment\/wages-and-benefits\/domestic-workers-bill-of-rights.html\">domestic workers<\/a> are not specifically excluded by law. Mental injuries, such as post-traumatic stress disorder and panic attacks, may be compensable. Most occupational diseases are covered, including <a href=\"https:\/\/www.findlaw.com\/injury\/product-liability\/mesothelioma-and-asbestos.html\">mesothelioma<\/a> and <a href=\"https:\/\/www.findlaw.com\/legalblogs\/injured\/2015\/07\/can-i-get-disability-for-carpal-tunnel-syndrome.html\">carpal tunnel<\/a> syndrome. Indiana&#8217;s workers&#8217; comp insurance program does not require you to prove that your injury was your employer&#8217;s fault, though your employer may defend against your claim by alleging that you intentionally harmed yourself<\/p>\r\n<h2>Benefits<\/h2>\r\n<p>Indiana offers <a href=\"https:\/\/www.findlaw.com\/injury\/workers-compensation\/workers-comp-benefits-explained.html\">wage replacement<\/a> and payment for medical treatment. Wage replacement comes in varying amounts for varying durations, depending on the severity of your disability. In most cases wage replacement compensation is based off of 66 2\/3 percent of you average weekly wage, subject to state-imposed maximums. While there is no job protection and Indiana is an <a href=\"https:\/\/www.findlaw.com\/employment\/hiring-process\/at-will-employee-faq-s.html\">at will employment<\/a> state, your employer may not fire you because your disability prevents you from doing your job.<\/p>\r\n<h2>Dispute Resolution<\/h2>\r\n<p>If your claim is denied, you may initiate an informal dispute by filing a Request for Assistance (<a href=\"http:\/\/www.in.gov\/wcb\/files\/45442.pdf\" target=\"_blank\" rel=\"noopener\">State Form 45442<\/a>) with the Workers&#8217; Compensation Board of Indiana. In addition, <a href=\"http:\/\/www.in.gov\/wcb\/2381.htm\" target=\"_blank\" rel=\"noopener\">mediation services<\/a> are available. If you feel you need a formal, more traditional avenue for resolving your benefits dispute, you may file an <a href=\"https:\/\/forms.in.gov\/Download.aspx?id=4895\" target=\"_blank\" rel=\"noopener\">Application for Adjustment of Claim (SF 29109)<\/a> to schedule a hearing before a member of the Workers&#8217; Compensation Board. Whichever course of action you choose, you or your attorney will need to submit evidence to support your position. This evidence could be in the form of testimony from your fellow employees, wage stubs for calculating your benefits, or medical bills which your insurer declined to pay.<\/p>\r\n<h2>Discuss Indiana Workers&#8217; Compensation Laws with an Experienced Indiana Attorney<\/h2>\r\n<p>Accidents happen, but when they result in you losing time away from work, they can get expensive. Your employer is required to carry workers&#8217; compensation insurance to compensate you for wage replacement and medical treatment. Filing workers&#8217; comp claims and contesting denials of your claims can get overwhelming. If you were injured at work and need help navigating the workers&#8217; compensation system, you can discuss your situation with an experienced <a href=\"https:\/\/lawyers.findlaw.com\/personal-injury-plaintiff\/indiana\/?fli=dcta\" target=\"_blank\" rel=\"noopener\">Indiana attorney<\/a>.<\/p>\r\n<div class=\"was-this-helpful\">\n    <div\n            class=\"was-this-helpful__question-container\"\n            aria-labelledby=\"was-this-helpful__question\"\n            role=\"group\"\n    >\n        <span\n                id=\"was-this-helpful__question\"\n                class=\"was-this-helpful__question fl-text-lg-bold\"\n        >Was this helpful?<\/span>\n        <button\n                class=\"was-this-helpful__button fl-text-sm\"\n                aria-label=\"Yes\"\n                value=\"yes\"\n        >\n            <span class=\"was-this-helpful__button-text fl-text-bold\">Yes<\/span>\n            <i class=\"was-this-helpful__button-icon\">\n                <svg width=\"22\" height=\"22\" viewBox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                    <g id=\"thumbs-up\" clip-path=\"url(#clip0_604_3418)\">\n                        <path id=\"Vector\"\n                              d=\"M6 21H3C2.46957 21 1.96086 20.7893 1.58579 20.4142C1.21071 20.0391 1 19.5304 1 19V12C1 11.4696 1.21071 10.9609 1.58579 10.5858C1.96086 10.2107 2.46957 10 3 10H6M13 8V4C13 3.20435 12.6839 2.44129 12.1213 1.87868C11.5587 1.31607 10.7956 1 10 1L6 10V21H17.28C17.7623 21.0055 18.2304 20.8364 18.5979 20.524C18.9654 20.2116 19.2077 19.7769 19.28 19.3L20.66 10.3C20.7035 10.0134 20.6842 9.72068 20.6033 9.44225C20.5225 9.16382 20.3821 8.90629 20.1919 8.68751C20.0016 8.46873 19.7661 8.29393 19.5016 8.17522C19.2371 8.0565 18.9499 7.99672 18.66 8H13Z\"\n                              stroke=\"#666666\" stroke-width=\"2\" stroke-linecap=\"round\"\n                              stroke-linejoin=\"round\"><\/path>\n                    <\/g>\n     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20.645 11.0745 20.2154 11.4432C19.7859 11.8119 19.236 12.01 18.67 12H16M9.00003 14V18C9.00003 18.7956 9.3161 19.5587 9.87871 20.1213C10.4413 20.6839 11.2044 21 12 21L16 12V0.999995H4.72003C4.2377 0.994543 3.76965 1.16359 3.40212 1.47599C3.0346 1.78839 2.79235 2.22309 2.72003 2.7L1.34003 11.7C1.29652 11.9866 1.31586 12.2793 1.39669 12.5577C1.47753 12.8362 1.61793 13.0937 1.80817 13.3125C1.99842 13.5313 2.23395 13.7061 2.49846 13.8248C2.76297 13.9435 3.05012 14.0033 3.34003 14H9.00003Z\"\n                              stroke=\"#666666\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                    <\/g>\n                    <defs>\n                        <clipPath id=\"clip0_604_3423\">\n                            <rect width=\"22\" height=\"22\" fill=\"white\"\/>\n                        <\/clipPath>\n                    <\/defs>\n                <\/svg>\n            <\/i>\n        <\/button>\n    <\/div>\n    <span class=\"was-this-helpful__taken-action fl-text-sm-bold\"><\/span>\n    <div class=\"was-this-helpful__feedback-container\">\n        <div class=\"was-this-helpful__choose-option-message\" role=\"status\">\n            <p class=\"was-this-helpful__choose-option-message-text\"><\/p>\n        <\/div>\n        <form class=\"was-this-helpful__feedback-form\">\n            <div class=\"was-this-helpful__feedback was-this-helpful__feedback--positive\">\n                <fieldset>\n                    <legend class=\"was-this-helpful__feedback-form-title\" tabindex=\"0\">Why was this helpful?<\/legend>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--understandable\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                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class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--solved-problem\"\n                        >Solved my problem<\/label>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--other\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"positive-feedback\"\n                                value=\"Other\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--other\"\n                        >Other<\/label>\n                 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                         <li><a href=\"https:\/\/lawyers.findlaw.com\/railroad-worker-injury-fela\/\" target=\"_blank\" rel=\"noopener\">Railroad Worker Injury and FELA Lawyers<\/a><\/li>\n                                    <li><a href=\"https:\/\/lawyers.findlaw.com\/construction-accident\/\" target=\"_blank\" rel=\"noopener\">Construction Accidents Lawyers<\/a><\/li>\n                                    <li><a href=\"https:\/\/lawyers.findlaw.com\/personal-injury-plaintiff\/\" target=\"_blank\" rel=\"noopener\">Personal Injury Lawyers<\/a><\/li>\n                            <\/ul>\n        <\/div>\n    <\/div>\n\n\n    <\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Indiana is home to a stellar lineup of college sports and small-town charm. Whether you sell musical instruments, unclog drains, or decorate cakes, you know that looking out for one another in the Hoosier State is just par for the course. But if you get hurt on the job, you are entitled to coverage for medical bills and other expenses under Indiana workers&#8217; compensation laws.<\/p>\n","protected":false},"author":41135,"featured_media":0,"parent":373177,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"app\/Http\/Controllers\/Templates\/ArticleWithBreadcrumbsController.php","meta":{"_acf_changed":false,"_stopmodifiedupdate":true,"_modified_date":"","_autodraft_ids":[],"_cloudinary_featured_overwrite":false,"_sb_is_suggestion_mode":false,"_sb_show_suggestion_boards":false,"_sb_show_comment_boards":false,"_sb_suggestion_history":"","_sb_update_block_changes":"","_is_real_time_mode":false,"_realtime_collaborators":"","footnotes":"","cf_checklist_status":[]},"categories":[2743],"tags":[],"state_laws_tags":[2924],"flmsa":[],"class_list":["post-373302","page","type-page","status-publish","hentry","category-state","state_laws_tags-statelaws_15_7"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages\/373302","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/users\/41135"}],"replies":[{"embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/comments?post=373302"}],"version-history":[{"count":0,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages\/373302\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages\/373177"}],"wp:attachment":[{"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/media?parent=373302"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/categories?post=373302"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/tags?post=373302"},{"taxonomy":"state_laws_tags","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/state_laws_tags?post=373302"},{"taxonomy":"flmsa","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/flmsa?post=373302"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}