AIG Workers' Compensation Claims: How to File, Coverages, and Status Checks

What AIG Workers' Compensation Covers

AIG provides workers' compensation insurance that typically covers medical expenses and indemnity for employees injured or made ill in the course of employment. Coverage generally includes required medical care, rehabilitation, and wage replacement benefits where state law mandates. Eligibility hinges on the injury arising out of and in the course of work, and medical necessity determinations often apply. AIG also supports employers with risk management tools, loss control services, and claims administration. Because rules vary by jurisdiction, policy terms and state requirements should be reviewed for each insured location.

Key Coverages and Limits

Eligibility and Common Exclusions

Eligibility for AIG workers' compensation benefits depends on the injury meeting statutory definitions and the policy's conditions. Injuries that are work-related and not expressly excluded are generally eligible. Common exclusions include injuries caused by intoxication, self-inflicted harm, or those occurring while violating company policy or law. Certain occupational diseases may require specific coverage endorsements. Review your policy's definitions and statutory conditions to confirm what is and is not covered.

Common Exclusions at a Glance

• Willful self-inflicted injury
• Intoxication-related injuries when prohibited by law or policy
• Injuries sustained while committing a felony
• Non–work-related pre-existing conditions
• Certain occupational illnesses without proper endorsements

How to File an AIG Workers' Compensation Claim

To start an AIG workers' compensation claim, report the injury to your employer promptly and follow your state's notification rules. Your employer or broker typically submits the claim to AIG along with medical records and incident details. AIG then reviews the application, confirms coverage based on policy terms and state law, and begins necessary benefit payments. You should respond promptly to information requests and keep copies of all forms, correspondence, and medical documentation.

Documents to Gather

How to Check the Status of Your Claim

You can check the status of an AIG workers' compensation claim by contacting AIG's claims service using the phone number on your policy or billing documents. Many regions also allow status checks through a secure online portal managed by AIG or its third-party administrator. When checking, have your claim number, policy details, and contact information ready. If you are an employer, your broker can often help coordinate status updates and resolve questions about reserve levels or audit items.

What to Do if You Need More Help

If you have questions about your specific coverage or claim outcome, first review your policy language and any claims correspondence from AIG. Employers and employees can also speak with an independent insurance advisor or legal counsel familiar with workers' compensation in the relevant jurisdiction. For regulatory or licensing questions about AIG's operations, consult your state insurance department.

Next Steps and Key Takeaways

• Report injuries promptly to your employer and follow state notice requirements.
• Gather incident reports, medical records, and wage documentation early.
• Review your policy's definitions and exclusions to understand what's covered.
• Use the contact details on your policy or billing to check claim status securely.
• Coordinate with your employer or broker for complex or multi-state situations.