Complete Guide

California Workers' Comp Guide

Everything you need to know about filing a workers' compensation claim in California, from injury to settlement.

David Lamonica, Esq. · California Workers' Compensation Attorney
Reviewed by David Lamonica, Esq. · Board Certified Workers' Compensation Specialist
Published January 1, 2024
Updated February 5, 2026

Important Deadline

You must report your injury to your employer within 30 days and file your claim within 1 year. Don't delay - late reporting can result in claim denial.

The 5-Step Workers' Comp Process

1

Report & Document

Notify your supervisor immediately (within 30 days). Request a DWC-1 Claim Form. Seek medical attention and document everything.

PRO TIPS:

  • Report in writing, keep a copy
  • Take photos of hazards or injuries
  • Get witness contact information
2

Get Medical Treatment

See a doctor within the Medical Provider Network (MPN). After 30 days, you can switch to your own physician if you pre-designated one.

PRO TIPS:

  • Tell doctors ALL symptoms
  • Follow treatment plans exactly
  • Keep all medical records
3

Receive Benefits

If the doctor takes you off work, you should receive Temporary Disability (TD) payments every two weeks at 2/3 of your average wage.

PRO TIPS:

  • TD has minimums and maximums
  • Benefits are tax-free
  • Report any late payments
4

Reach MMI (Maximum Medical Improvement)

Once your condition stabilizes, the doctor writes a final report with your Permanent Disability (PD) rating - a percentage of impairment.

PRO TIPS:

  • MMI doesn't mean fully healed
  • You can dispute the PD rating
  • Consider getting a QME evaluation

RELATED FAQ:

What is a QME?
5

Settlement

We negotiate a lump sum (Compromise & Release) or stipulated award based on your PD rating, future medical needs, and wage loss.

PRO TIPS:

  • Never accept the first offer
  • Consider future medical costs
  • Get legal advice before signing

Critical Deadlines You Can't Miss

Deadline Action Required
30 Days Report injury to employer Labor Code § 5400
1 Year File workers' comp claim (DWC-1) Labor Code § 5405
5 Years Receive all medical treatment Labor Code § 4600

Related Resources

Frequently Asked Questions

Do I need a lawyer for a minor injury?

Not always, but 'minor' injuries can have long-term effects. If the insurance company denies any part of your claim or offers a settlement, you should consult an attorney immediately. Consultations are free and attorneys work on contingency.

How much does a workers' comp lawyer cost?

We work on a contingency fee basis. This means you pay $0 upfront. We only get paid a percentage (typically 15%) of the settlement we recover for you. If we don't win, you don't pay.

Can I be fired for filing a claim?

No. It is illegal in California to fire or punish an employee for filing a workers' compensation claim (Labor Code 132a). If your employer retaliates, you have a separate discrimination claim worth additional damages.

What if my claim was denied?

A denial is not final. You have the right to appeal to the Workers' Compensation Appeals Board (WCAB). We specialize in reversing denials by gathering proper medical evidence and presenting it effectively.

Workers' Comp Glossary

Key terms you'll encounter during your workers' compensation claim. Understanding these terms helps you communicate effectively with doctors, attorneys, and insurance adjusters.

AOE/COE Arising Out of Employment / Course of Employment. The legal requirement that an injury must be caused by your job to be covered.
Applicant The injured worker who opens a case at the WCAB.
C&R (Compromise and Release) A settlement where you receive a lump sum payment in exchange for closing your case completely, including future medical care.
DWC-1 The claim form you fill out to officially report your injury to your employer.
MPN (Medical Provider Network) The network of doctors approved by your employer's insurance company that you are usually required to treat within.
PTP (Primary Treating Physician) The main doctor managing your care and writing reports on your disability status.
QME (Qualified Medical Evaluator) A neutral doctor chosen from a state list to resolve disputes between your doctor and the insurance company.
Stipulations (Stips) A settlement where you agree on a disability rating and receive payments every two weeks, but keep your right to future medical care open.
TD (Temporary Disability) Tax-free payments (usually 2/3 of wages) you receive while recovering and unable to work.
UR (Utilization Review) The process where the insurance company's doctors review and approve or deny treatment requested by your doctor.

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