What to do in the event of an accident at work?
An accident at work is an accident that occurs during the performance of the employment contract or on the way to or from work.
Your employer insures you against such accidents with an industrial accident insurer. This will reimburse your damages, such as medical costs and loss of wages.
Notify your employer
Report the accident to your employer immediately. He in turn passes it on to his industrial accident insurer.
Injury(s)? Report your accident to CM
This can be done in two ways:
- or you do that digitally;
- or provide CM with the completed 'Report of accident ' form.
You can also receive the form without having reported an accident. This happens if CM suspects that you have had an accident (e.g. based on a hospital admission or a declaration of disability).
Always return the completed form to CM as quickly as possible, even if your medical costs are not the result of an accident.
Indicate your disability
Do you become incapacitated for work after an accident? Report this in a timely and correct manner to the CM's consulting physician. The declaration period varies depending on whether you are an employee, unemployed or self-employed.
Medical costs and lost wages
The reimbursement of your medical costs and any loss of wages depends on whether your accident is recognized as an accident at work. Below you will find the three options.
Submit your medical expenses to your employer's workers' compensation insurer. This will reimburse all costs resulting from the accident, including any loss of wages.
Inform CM that the insurer is considering the recognition.
At your request, pending a final decision, CM will reimburse the medical costs at the usual rates. CM also pays any benefits due to disability. There are then two options:
- Your accident will subsequently be recognized as an industrial accident.
- Inform CM about the recognition. The insurer will reimburse all costs resulting from the accident, including any loss of wages.
- You can request a refund from the insurer for the costs you have already paid yourself. You can request an overview from CM or print it via 'My file'.
- Submit all further medical costs to the insurer. She is requesting a refund from the insurer for the costs that CM has already paid.
- Your accident will subsequently not be recognized as an industrial accident.
- Inform CM of the denial. CM will cover medical costs according to the usual reimbursement rates and will pay any benefits due to disability.
- Do you not agree with the refusal? Then you can challenge it before the labor court.
Inform CM of the denial. CM will cover medical costs according to the usual reimbursement rates and will pay any benefits due to disability. Do you not agree with the refusal? Then you can challenge it before the labor court.