What the Bureau Does
The Pennsylvania Bureau of Workers' Compensation (BWC) administers the state's workers' comp system, ensuring that employees who are injured on the job receive medical care, wage replacement, and rehabilitation services while protecting employers from costly lawsuits.
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How to File a Claim
Injured workers must report the injury to their employer within seven days. The employer then completes a First Report of Injury (FROI) and submits it to the BWC. The worker receives a claim number and can file a formal claim online or by mail, attaching medical reports and wage information. The BWC reviews the claim, may request additional evidence, and issues a decision on benefits.
Employer Responsibilities
Employers in Pennsylvania are required to purchase workers' compensation insurance or qualify as self‑insured. They must maintain accurate injury records, provide the FROI promptly, and cooperate with BWC investigations. Failure to comply can result in penalties, loss of coverage, and personal liability for the business owner.
Benefits Overview
Benefits are categorized into medical, indemnity, and supplemental payments. Medical benefits cover doctor visits, hospital stays, surgery, and prescriptions. Indemnity benefits replace a portion of lost wages—typically 66.67% of the average weekly wage, up to a statutory maximum. Supplemental benefits may include vocational rehabilitation, death benefits for surviving family members, and compensation for permanent disability.
Dispute Resolution
If a claim is denied or disputed, either party can request a hearing before a BWC Administrative Law Judge. The hearing process includes evidence presentation, witness testimony, and legal arguments. Parties may also pursue mediation or settlement negotiations before a formal hearing.
Key Resources and Contacts
The BWC website offers claim forms, employer guides, and a searchable database of approved medical providers. For direct assistance, workers can call the BWC Claims Help Line at 1‑800‑724‑6267 or contact a regional office. Legal counsel specializing in workers' comp can provide additional representation.
Comparative Overview
| Aspect | What the BWC Provides | Employer Obligation |
|---|---|---|
| Medical Coverage | All medically necessary treatment approved by BWC | Submit claim promptly; cooperate with medical providers |
| Wage Replacement | 66.67% of average weekly wage, capped | Maintain insurance; report injury within 7 days |
| Dispute Process | Administrative hearings, mediation | Participate in investigations; attend hearings if required |