A “Sample Letter to Insurance Company for Lost Wages Employer” is a document. It helps you claim lost wages. You send it to an insurance company. This is needed after a work-related injury.
This letter helps your employer get reimbursed. They paid you while you were off work. We have you covered. We will share sample letters.
These samples will guide you. They make writing the letter easier. Find the perfect template for your needs. Let’s get started.
Sample Letter To Insurance Company For Lost Wages Employer
[Your Company Letterhead]
[Date]
[Insurance Company Name]
[Insurance Company Address]
**Subject: Employee [Employee’s Full Name] – Claim for Lost Wages**
Dear [Claims Adjuster Name or To Whom It May Concern],
This letter confirms that [Employee’s Full Name], whose date of birth is [Employee’s Date of Birth] and Social Security Number is [Employee’s Social Security Number], is an employee of [Your Company Name].
[He/She] has been unable to work from [Start Date of Absence] to [End Date of Absence] due to injuries sustained in an accident on [Date of Accident]. We understand this accident is related to claim number [Claim Number], filed with your company.
[Employee’s Full Name]’s normal work schedule is [Number] hours per week. [His/Her] hourly rate of pay is $[Hourly Rate]. Therefore, [he/she] has lost $[Total Lost Wages] in wages during this period of absence. This is calculated as [Number of Weeks] weeks x [Number] hours per week x $[Hourly Rate] per hour.
We have attached [Employee’s] pay stubs for the [Number] weeks prior to the accident as verification of [his/her] earnings.
Please contact me if you require any further information.
Sincerely,
[Your Name]
[Your Title]
[Your Company Name]
[Your Phone Number]
[Your Email Address]
html
How to Write Letter To Insurance Company For Lost Wages Employer
Subject Line: Concisely Capturing Attention
The subject line is your initial foray into the insurance adjuster’s consciousness. Be direct, yet informative. Avoid ambiguity; state the claim number and the intent plainly. For instance:
- Example 1: Claim # [Claim Number] – Verification of Lost Wages for [Employee Name]
- Example 2: RE: Lost Wage Confirmation – Claim [Claim Number] – [Employee Name]
Salutation: Formalities That Matter
Begin with a formal salutation demonstrating respect and professionalism. Address the adjuster by name if known; otherwise, err on the side of caution.
- Preferred: Dear Mr./Ms. [Adjuster’s Last Name],
- If Unknown: Dear Claims Adjuster,
Introduction: Setting the Stage
The introduction establishes the letter’s purpose. Clearly state your role as the employer and your intention to verify the employee’s lost wages due to the incident. Brevity is paramount; avoid superfluous details.
Example: “I am writing to substantiate the wage loss incurred by [Employee Name] as a consequence of the incident associated with claim number [Claim Number]. [Employee Name] is employed by [Company Name] as a [Employee Job Title].”
Body Paragraph 1: Chronicle of Employment
Provide a succinct overview of the employee’s employment history. Include their start date, job title, and usual work schedule. This information anchors the claim in verifiable fact.
- Employee Start Date: [Date]
- Job Title: [Employee Job Title]
- Normal Work Schedule: [Days of the Week], [Hours per Day]
Example: [Employee Name] commenced employment with [Company Name] on [Date] as a [Employee Job Title]. Their standard work schedule is [Days of the Week], from [Start Time] to [End Time].
Body Paragraph 2: Quantifying the Loss
Detail the employee’s pre-incident earnings. Specify the hourly rate or salary and provide a precise calculation of the wages lost due to their absence. Precision lends credence to your claim.
- Hourly Rate/Salary: $[Amount] per [Hour/Week/Month]
- Dates of Absence: [Start Date] to [End Date]
- Total Hours/Days Missed: [Number] hours/days
- Total Lost Wages: $[Calculated Amount]
Example: [Employee Name]’s hourly rate is $[Amount]. Due to their injuries, they were absent from work from [Start Date] to [End Date], totaling [Number] hours. Their total lost wages amount to $[Calculated Amount].
Supporting Documentation: Fortifying Your Position
Indicate which supporting documents are appended to the letter. This could include payroll records, time sheets, or a signed statement from the employee. Ensure these documents are demonstrably authentic.
- Payroll Records
- Employee Time Sheets
- Employee’s Signed Statement
Example: Attached to this letter are copies of [Employee Name]’s payroll records and time sheets from the relevant period. A signed attestation from [Employee Name] is also enclosed.
Closing: A Professional Farewell
Conclude with a professional closing, offering contact information for further clarifications. Express willingness to cooperate fully. A poised and courteous closure leaves a lasting positive impression.
- Offer of Assistance: “Please do not hesitate to contact me if you require further information.”
- Contact Information: [Phone Number], [Email Address]
- Formal Closing: “Sincerely,” or “Respectfully,”
- Signature: [Your Name]
- Title: [Your Title]
Example: Please contact me at [Phone Number] or [Email Address] if you require any further elucidation. I am available to assist with any additional inquiries. Sincerely, [Your Name], [Your Title].
html
Frequently Asked Questions: Sample Letter to Insurance Company for Lost Wages from Employer
This section addresses common inquiries regarding the sample letter an employer provides to an insurance company to substantiate an employee’s lost wage claim.
These FAQs aim to clarify the purpose, content, and process involved in submitting such a letter.
What is the purpose of a lost wage letter from the employer?
The letter serves as official documentation verifying the employee’s earnings, time missed from work due to the covered incident, and the resulting loss of wages. It supports the employee’s claim for lost income.
What information should be included in the lost wage letter?
The letter should include the employee’s full name, dates of employment, job title, rate of pay, dates of absence, and total amount of lost wages. Contact information for verification is also essential.
Who should draft the lost wage letter?
Typically, the Human Resources department or a designated supervisor with access to payroll and attendance records should draft the letter.
How should the lost wage letter be submitted to the insurance company?
The letter should be submitted directly to the insurance company’s claims adjuster, preferably via certified mail or email, ensuring a record of delivery. A copy should also be provided to the employee.
What if the insurance company requires additional information beyond what’s in the initial letter?
Be prepared to provide further documentation, such as pay stubs or attendance records, if requested by the insurance company to further validate the lost wage claim.