After an injury or illness occurs, it is the employee’s duty to complete a claim form and to present it to either the employer or the state workers’ compensation agency. Generally, an employer will have the claim forms available. The employer will submit the claim to the insurance company. The employer is given an opportunity to respond to the claim. If he does not contest the claim, payment of medical bills and wages will be made by the insurance company. A hearing can be planned if the employer contests the claim to how much money is owed to the employee.