Workplace Accidents and ART: Claim if you received discharge, denial or your disability is not recognized
If you suffered an accident at work, commuting to or from work, or have an occupational disease related to your tasks, we review your case, medical documentation and steps to claim.
When to consult
Medical discharge without disability
You were discharged but still have pain, limitations or consequences.
ART rejection
Coverage denied, refused to cover studies or benefits.
Lack of medical benefits
ART not covering studies, appointments or medications you need.
Delays in appointments or studies
Unjustified delays in care or claim processing.
Commute accident (in itinere)
Can qualify for ART coverage or insurance.
Occupational disease
Related to your tasks, trade, products or work environment.
Physical or psychological consequences
Persistent pain, functional limitation, anxiety or post-accident depression.
Discrepancy between ART and reality
What ART says does not match what actually happens to you.
What can be claimed
Complete medical benefits
Medical discharge review
Determination of actual disability
Compensation differences
Claim denial challenge
Occupational disease recognition
Commute accident claim
Claim to Medical Commission
Legal action, if applicable
Important: ART has legal obligations toward you. If they breach, you can file claims with SECLO, Superintendencia de Riesgos del Trabajo (SRT), Medical Commission or in court, as applicable.
What documentation we need
Personal and employment documents
- ✓ ID Document
- ✓ Pay stubs
- ✓ Employer information
- ✓ Employment contract, if available
- ✓ Accident report (Form 23)
Medical documentation
- ✓ Medical discharge
- ✓ Medical studies (x-rays, MRI, etc.)
- ✓ Medical certificates
- ✓ Attendance records
- ✓ Prescriptions and medicine receipts
ART communications
- ✓ Telegrams, certified letters or emails
- ✓ Proof of claim filed
- ✓ ART denials
- ✓ Claim numbers
Available evidence
- ✓ Photos of accident scene
- ✓ Videos, if available
- ✓ Accident witnesses
- ✓ Parts of machinery or equipment
Mistakes that can harm your claim
Signing conformity without reviewing
A signature is hard to undo later.
Not keeping medical studies
You will need originals or certified copies.
Not requesting attendance records
Proof that you attended appointments, treatments, etc.
Not reporting persistent pain
If you do not communicate it, it is hard to prove later.
Accepting discharge despite ongoing issues
You can challenge the discharge if you have ongoing consequences.
Missing administrative deadlines
There are time limits to act. Consult without delay.
Not checking if disability applies
Many people are entitled but do not claim it.
Trying to resolve alone without advice
ART is a counterparty. You need representation.
Frequently asked questions about workplace accidents and ART
Review the medical discharge carefully. If you believe it is premature or incorrect, you can file a claim with a Medical Commission (CMT) within 10 days of receiving the discharge. If you continue with pain or limitations, that is the time to act.
Persistent pain can be evidence that the discharge was incorrect. Document the pain, obtain a medical certificate, formally notify ART in writing and consult immediately. There are legal deadlines.
If coverage was denied, you have the right to claim. We review the denial, documentation and legal grounds. You can go to SECLO, SRT or court as applicable.
It is a technical body where it is decided whether an accident was work-related, if it causes disability and what percentage. You present your medical evidence and we present the law.
Yes, if it was in itinere (direct route between home and work, or vice versa). There must be a certified accident and causal relationship with the work commute.
They are very important. Photos, x-rays, MRIs, medical certificates. Without medical evidence, it is very difficult to win a claim against ART.
Your accident matters. Do not wait.
There are legal deadlines we cannot miss. Send your case now and we analyze it without commitment.
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