What is referred to as the three-day waiting period (3DW)?

The three-day waiting period (3DW) specifically pertains to the first three consecutive calendar days following an injury. This terminology is often used in the context of workers' compensation to signify a crucial timeframe during which certain benefits or compensations are affected.

During this period, an injured worker typically does not receive wage-loss benefits for the initial days following their injury unless they are unable to work for a longer duration. The intent behind this waiting period is to filter out minor injuries that may not require extended leave from work, and it helps manage the overall costs related to compensation claims.

Understanding that this waiting period encompasses consecutive calendar days rather than merely business days or working days is essential, as it affects how benefits are calculated and when they begin. The clarity around the definition of the three-day waiting period is critical for claims adjusters to effectively manage and communicate the claims process to injured workers and employers alike.