The first step for either company is to file a claim within the filing deadline. You must complete one or several forms detailing your injuries and ailments. You will also need to provide information on your occupational duties, salary and earning information, and medical documents. All of these documents will help prove you are suffering from a condition that leaves you out of work. The process should end here, as the insurer can determine whether to approve or deny your claim. They may, however, request additional information or delay your claim.