What if my employer does not have insurance?

If your employer is required to carry workers' compensation insurance and fails to do so, they may face penalties and you may still be able to recover benefits through the state.

Do I need an attorney to file a claim?

While an attorney is not required, having legal representation can be especially helpful if your claim is disputed or involves complex medical issues.

What if I was partially at fault for my injury?

Workers' compensation is a no-fault system. In most cases, benefits are available regardless of who caused the accident.

Topic guideUpdated 2026-02-27

Filing a Workers' Comp Claim in Colorado — Steps & Deadlines

Q: How do I report a workplace injury?

You must notify your employer within Employee must notify employer promptly, in writing, within the short statutory window set by Colorado law (a matter of days, not weeks) — confirm the current deadline with a lawyer or the Division of Workers' Compensation; exceptions may apply for late written notice (e.g., where the employer had actual notice or good cause is shown) [§ 8-43-102]. Written notice is recommended to create a clear record.

How to report a workplace injury, file a workers' compensation claim, and meet deadlines in Colorado.

Filing a workers' compensation claim in Colorado involves specific steps and deadlines that must be followed carefully.

Step 1: Report the Injury

You must report your workplace injury to your employer within Employee must notify employer promptly, in writing, within the short statutory window set by Colorado law (a matter of days, not weeks) — confirm the current deadline with a lawyer or the Division of Workers' Compensation; exceptions may apply for late written notice (e.g., where the employer had actual notice or good cause is shown) §8-43-102. Written notice is always recommended even if verbal notice is given.

⚠Failure to give timely notice can be used by the employer or insurer as grounds to deny your claim.

Step 2: Get Medical Treatment

Employer designates the authorized treating physician; employee may petition for a change §8-43-404. Make sure to:

Tell the doctor your injury is work-related

Follow the treatment plan completely

Keep copies of all medical records and bills

Report any work restrictions to your employer

Step 3: File the Formal Claim

You have 2 years from date of injury or last payment of compensation to file a formal claim §8-43-103. Application for hearing before a Division of Workers' Compensation ALJ §8-43-207.

Step 4: Investigation and Response

After filing, the employer's insurer will investigate the claim. They may accept, partially accept, or deny the claim. If denied, you have the right to request a hearing.

What Happens at a Hearing?

Application for hearing before a Division of Workers' Compensation ALJ §8-43-207. Appeal to Industrial Claim Appeals Office (ICAO), then to Colorado Court of Appeals.

✓An experienced workers' compensation attorney can significantly improve your chances of a successful claim, especially if the claim is denied or disputed.

Prepare for Your Consultation

Quick checklist (Workers’ Compensation)

Gather these before your first consultation.

Incident report

(employer report, date/time of injury)

Medical records

(doctor visits, diagnoses, treatment plans)

Wage documentation

(pay stubs, tax returns, employment records)

General preparation tips only. Specific needs depend on your state and claim type.

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Common Questions

Frequently Asked Questions

General answers to common questions. Specific outcomes depend on your facts and timing.

If you have a deadline, court notice, or upcoming hearing, mention it when requesting assistance so timing can be evaluated promptly.

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Colorado Workers' Comp Benefits — TTD, PPD & Medical Coverage

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Denied Workers' Comp Claims in Colorado — Your Options

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Legal authoritiesStatutes referenced on this page

C.R.S. § 8-43-102

Employer Notice Requirement

Employee must report workplace injury within Employee must notify employer promptly, in writing, within the short statutory window set by Colorado law (a matter of days, not weeks) — confirm the current deadline with a lawyer or the Division of Workers' Compensation; exceptions may apply for late written notice (e.g., where the employer had actual notice or good cause is shown).

Employee must notify employer promptly, in writing, within the short statutory window set by Colorado law (a matter of days, not weeks) — confirm the current deadline with a lawyer or the Division of Workers' Compensation; exceptions may apply for late written notice (e.g., where the employer had actual notice or good cause is shown)

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Verified 2026-09-28 · quarterly review

C.R.S. § 8-43-103

Claim Filing Deadline

Formal claim must be filed within 2 years from date of injury or last payment of compensation.