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Indiana Workers’ Compensation Law Basics for Adjusters, Produced by AI

04 Sep, 2025 Frank Ferreri

                               
CategoryKey Information
Coverage RequirementRequired for employers with one or more employees, including part-time and minors.
Nature of CoverageStatutory, no-fault insurance. Administered by the Indiana Workers’ Compensation Board.
Claim Filing DeadlinesInjury by accident: 2 years from the date of injury or last compensation payment (IC 22-3-3-3).
Indemnity BenefitsTemporary Total: 66⅔% of average weekly wage, subject to state max.
Permanent Partial: Based on impairment rating and schedule.
Fatal: Benefits to dependents + funeral expenses.
Medical BenefitsEmployer/carrier selects treating physician.
Coverage includes necessary medical treatment, rehab, and prosthetics.
Permanent DisabilityBased on AMA Guides and Indiana schedule; includes PPI (Permanent Partial Impairment) rating.
Claim DenialsMay be denied for:
- Willful misconduct
- Intoxication
- Injury not arising out of employment
Adjuster RoleInvestigate and evaluate claims.
Coordinate medical care.
Submit forms via Gateway portal.
Monitor PPI submissions and settlements.
Employer RoleMust report injuries promptly and cooperate with carrier/adjuster.
Return-to-Work ProgramsEncouraged; includes modified duty and vocational rehabilitation options.
Cost-Saving TipsEarly reporting, use of authorized providers, safety programs, return-to-work strategies.

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About The Author

  • Frank Ferreri

    Frank Ferreri, M.A., J.D. covers workers' compensation legal issues. He has published books, articles, and other material on multiple areas of employment, insurance, and disability law. Frank received his master's degree from the University of South Florida and juris doctor from the University of Florida Levin College of Law. Frank encourages everyone to consider helping out the Kind Souls Foundation and Kids' Chance of America.

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