What does a claim represent in workers' compensation?

A claim in the context of workers' compensation is fundamentally a written request for compensation due to an injury or illness sustained in the workplace. This request formally initiates the process of evaluating the worker's eligibility for benefits, allowing the claims adjuster to review the circumstances, assess the validity of the claim, and determine the appropriate compensation based on the specifics of the case.

Using a written format ensures that there is an official record of the injury and the request for compensation, which helps in maintaining clarity and accountability throughout the claims process. By having this documentation, it aids the employer and the insurers in managing potential liabilities and addressing the needs of the injured worker in a systematic manner.

The other options do not encapsulate the essence of a claim in workers' compensation. For instance, a verbal agreement does not provide the necessary formality or documentation needed for a valid claim. Notifying an employer about a workplace incident is a different process, often more aligned with incident reporting rather than seeking compensation. Lastly, a document intended to deny a worker's request is not a claim but rather a response within the claims handling process that indicates a decision has been made regarding the requested benefits.