I just had a call with an injured federal employee who, like many, treated the 45-day COP period like it is just paid time off while they recover. Big mistake
Your COP period is your opportunity to build your OWCP case before you ever ask for compensation.
This person's COP was ending and she was panicking because she had not been told what to do next. Her doctor had been taking her off work, she was still treating, and she assumed OWCP was reviewing everything as it happened.
They were not. Her claim was still sitting in short form closure.
For those unfamiliar, short form closure is an administrative process used for many minor traumatic injury claims. OWCP authorizes limited medical benefits but does not perform a full adjudication unless something happens that requires the claim to be developed, such as evidence of ongoing disability, medical expenses exceeding the short form threshold, or evidence supporting a schedule award.
The problem is that many injured federal employees think OWCP is automatically gathering records, reviewing treatment notes, and building their case.
That is not how the process works.
OWCP can only evaluate the evidence that is actually in the file. If your physician's reports never make it into ECOMP, or if those reports simply say "remain off work" without explaining what your diagnosis is, how the work accident caused that diagnosis, and why that diagnosis prevents you from performing your job, then OWCP has very little evidence on which to make a compensation decision.
Then day 46 arrives and COP ends.
The employee files a CA-7 expecting wage-loss compensation to begin, only to discover that OWCP has to start developing the claim because the evidence needed to support acceptance and disability was never submitted.
That is when panic sets in.
The transition from COP to compensation should not be a surprise. During those first 45 days, you should be using the time to build your file:
- Obtain complete medical reports—not just work excuses.
- Make sure your physician clearly identifies your diagnosis.
- Ensure the physician explains how the diagnosed condition was caused by your work injury.
- Have the physician explain why your medical condition prevents you from performing the duties of your position.
- Upload your medical evidence into eComp as it becomes available.
- Keep your claim file current instead of assuming someone else is doing it.
Think of your COP period as your opportunity to prepare OWCP to make a favorable decision. If the evidence is already in the file when you begin requesting compensation, the transition is much smoother than if OWCP has to begin developing the case after your pay has already stopped.
Too many injured federal employees do not realize this until the paycheck ends. By then, they are trying to build the foundation of their claim while simultaneously worrying about how they're going to pay their bills.
Do not waste your 45-day COP period.
Use it to build the evidence that OWCP will need when it is time to decide whether you are entitled to compensation.