When it comes to federal workers’ compensation, misinformation is everywhere. Whether it’s a coworker, a supervisor, or even your local doctor, chances are you’ve heard some pretty confusing advice about OWCP claims.

Over the years, I’ve seen countless federal employees miss out on the benefits they deserve—simply because they believed one of these common myths. That’s why I’m setting the record straight with this article: to debunk the top 10 myths about OWCP claims and help you navigate the process with confidence and clarity.

1. “You have to use your sick leave if you’re injured at work.”

❌ FALSE.
Under FECA (Federal Employees’ Compensation Act), injured federal workers can receive continuation of pay (COP) for up to 45 calendar days after a traumatic injury—without using sick or annual leave.

✅ The only catch? You must file Form CA-1 within 30 days of the injury. If you wait, you may lose this benefit.

2. “You can only file a claim if your injury happened suddenly.”

❌ FALSE.
While traumatic injuries (like falls or accidents) use Form CA-1, you can also file for occupational illnesses or repetitive stress injuries using Form CA-2.

✅ Carpal tunnel syndrome, hearing loss, and even work-related stress disorders can qualify—even if they develop over time.

3. “Your supervisor has to approve your claim first.”

❌ FALSE.
Supervisors do not approve or deny claims. Their job is to acknowledge that you reported the injury—not to decide if it’s valid.

✅ OWCP makes the final decision based on your medical documentation, not your supervisor’s opinion.

4. “You have to go to the doctor they send you to.”

❌ FALSE.
One of the biggest benefits of federal workers’ comp is that you can choose your own treating physician.

✅ Just make sure they’re experienced with OWCP and willing to complete the necessary paperwork. Choosing a provider who understands the system is critical to getting your claim accepted.

5. “OWCP will automatically pay your medical bills once you’re injured.”

❌ FALSE.
OWCP only pays for approved claims. That means:

• You must file the correct forms

• Your doctor must submit a proper medical narrative

• The injury must be clearly linked to your federal job duties

✅ Until the claim is accepted, you may need to use personal funds or request temporary coverage through your agency.

6. “My injury isn’t serious enough to file a claim.”

❌ FALSE.
Even minor injuries can become major problems over time. A sore wrist today could turn into a permanent repetitive motion injury in a few months.

✅ Filing an OWCP claim establishes your rights early, preserves your medical records, and protects your future—just in case symptoms worsen.

7. “If my claim is denied, I’m out of options.”

❌ FALSE.
OWCP claims can be reconsidered, appealed, or reviewed. In fact, many initial denials are reversed when you provide stronger medical evidence.

✅ Common steps include:

• Reconsideration request

• Hearing with the Branch of Hearings and Review

• Appeal to the ECAB (Employees’ Compensation Appeals Board)

Don’t give up after one denial—many successful claims start with a rejection.

8. “Schedule awards are only for lost limbs or severe disabilities.”

❌ FALSE.
Schedule awards are available for any permanent impairment to certain body parts—fingers, arms, legs, eyes, ears—even if you’re still working.

✅ If your injury results in a permanent, measurable loss of function, you could qualify for a lump sum payment under OWCP guidelines.

9. “My personal doctor can handle all the OWCP paperwork.”

❌ DANGEROUSLY FALSE.
Most personal doctors have no idea how to prepare a proper medical narrative for OWCP—and that’s the number one reason claims get denied.

✅ You need a physician who:

• Connects your injury to your federal duties

• Provides objective medical findings

• Uses OWCP-required formats and terminology

Without this, even the most valid claims may be delayed or denied.

10. “It’s better to just deal with the injury myself and not make it a big deal.”

❌ BIG MISTAKE.
Delaying a claim or choosing not to report the injury can backfire—hard.
Here’s why:

• You could lose out on years of tax-free wage benefits

• Medical bills may pile up

• Your injury could worsen without protection

• You may be disqualified for future compensation

✅ The federal workers’ comp system exists to protect you. Use it.

Bonus Myth: “OWCP benefits are taxable.”

❌ FALSE.
One of the best parts about OWCP benefits is that they are NOT subject to federal income tax.

✅ This means that receiving 66.67% or 75% of your regular pay tax-free can put you in almost the same financial position as working full-time—especially during recovery.

Final Thoughts: Don’t Let Myths Steal Your Benefits

Federal workers face a lot of confusion when it comes to injury claims—and most of it stems from bad information. Whether it’s outdated HR advice, a misinformed coworker, or a doctor unfamiliar with OWCP, believing these myths can cost you time, money, and your health.

Here’s what I recommend:

• Learn the facts about OWCP and FECA

• File early and document everything

• Choose a provider who understands OWCP

• Ask questions and get help when needed

You’ve earned your federal job. And if you’re injured doing it, you’ve earned the right to federal protection. Don’t let myths stand in your way.