Answer
In terms of reporting your injury, and this is no surprise—do it as soon as possible, because one of the first things you’re going to be asked, or if you hire us, what we’re going to be asked is: when did they report it? Did they report it at all? The insurance company or their lawyers will look to see if there’s any issue about timely reporting the injury, and that can be used as one of many defenses to your claim—or, as often happens, as a basis for the insurance company to deny your claim entirely. If your claim is denied and you have to go to court to get on workers’ comp, the judge is going to want to know if it was reported and when, and they will look long and hard at that aspect of your claim. So, I would err on the side of reporting incidents, even if you think you might be fine, because it could later theoretically come back to harm you. There’s absolutely no real downside to letting your employer know that something happened, documenting it, and leaving it at that. If it’s nothing—fine. But if it turns out to be a problem that gets worse and reaches a point where you’re not able to work full duty, then you’re best off being able to show that you reported it timely, right away, and there’s no issue in that regard.