The claims process for an employer/policyholder is as follows:

• Report the incident to KEMI immediately.
• KEMI will assign the claim to an examiner who will then review the claim and determine if it is approved or denied in accordance with state law.
• If the claim is approved, we will provide you with a claim number for future reference.
• A claims examiner may request information from you regarding wages, employment, details about the incident, etc. Depending on the type of claim (reporting only, medical only), an examiner may not need wage information.
• We will work with the claimant and medical providers to ensure appropriate care and benefits are provided.
• We may also communicate with you regarding the status of open claims.
• If you receive any work or medical notes related to the claim, please provide a copy of them to the claims examiner.
• Accommodate restrictions for the claimant, if possible, to allow the individual to return to work.
• Once the claimant returns to work and has been released from medical treatment at maximum medical improvement (MMI), the claim may be administratively closed.