Your employer or the insurer have an  obligation to pay income benefits once you have lost 7 consecutive days of work and it does not include payment for those first 7 days,  unless you are out of work for 21 or more consecutive days, in which case you are entitled to receive income benefits for those first 7 days.  For example, if you are  out of work due to your injury for 10 days, then you would be entitled to recover income benefits for three days of work lost (10 minus 7), not 10 days.  However, if you are out of work for 21 or more consecutive days, then you are entitled to receive income benefits for every day, including the first seven days.