When must an employer report an injury to its insurance carrier?

An employer must report an injury to its insurance carrier when the employee misses more than one day from work due to the injury. This requirement is in place to ensure timely communication with the insurance provider, which can facilitate the processing of claims and ensure that the employee receives the necessary benefits for their recovery. Prompt reporting helps in documenting the details surrounding the injury and establishes a clear timeline of the event and its impact on the employee's work life. This practice is critical for both the employer and the employee, as it aids in protecting the rights of the injured worker and helps maintain compliance with legal and regulatory requirements.

In contrast, the other options do not align with the standard reporting requirements. An injury may need to be reported for durations of absence longer than the specified number of days in the other choices listed, but the most immediate threshold for reporting begins with a missed day. Other conditions mentioned, such as an employee claiming a pay raise or when an employer feels there may be a claim, do not establish clear criteria for mandatory reporting related to injury.