Correct!

A claim becomes complex because of the factors that surround it. These can include medical comorbidities, psychosocial considerations, administrative barriers, inconsistent medical opinions, or delays in treatment. The injury itself is not catastrophic, but the case becomes difficult to manage without structured oversight.

Catastrophic claims are different. They involve sudden and severe physical injuries that require immediate coordination and long term planning.

Understanding this distinction helps claims professionals apply the right strategy and resources from the start.

Learn more here: Catastrophic vs. Complex Claims in Workers’ Compensation: Key Differences for Claims Management Professionals