Your compensation claim may take a long time or face denial.
Here are some tips and tricks to help you deal with delayed or denied workers’ compensation claims.
Check and Double-Check Your Claim
Understand what workers’ compensation is and how it applies to you. Then, make sure that all the information is correct in your claim and that you correctly filed it.
Workers’ compensation is a type of insurance that can provide wage replacement and medical payment if an employee gets injured or ill in their line of work. In exchange, employees give up their right to sue the company for negligence.
You must file your claim within the allotted time given by the government. You will probably have at least a year, but you should check as it varies from state to state.
You should also file this claim as soon as the injury is diagnosed. Checking these steps is vital to making sure your claim does not get denied.
Gather All Your Evidence
Workers’ compensation law varies based on where you live or work and can often be complicated. To have the best chance of getting the compensation you deserve, you need to ensure that you organize all the relevant evidence.
You must get the names of witnesses and attend medical appointments surrounding your injury. Keep any medical documents concerning your injuries so that you have them when you file or appeal.
Do your best to make sure you can explain clearly and consistently why you were injured and the extent of your injuries.
Consider a Specialized Lawyer
Because it’s such a complex system, it could be wise to get a lawyer who specializes in workers’ compensation law. They can help you navigate the process and can help ensure that you have all the necessary documentation filed appropriately.
Legal counsel can be particularly helpful if you end up needing to appeal. Your lawyer can take a look at your case and tell you where it was lacking and where it can be improved.
Follow Up on Delayed Claims
If you have a delayed claim, it is critical to make sure you’ve done everything you can. Unfortunately, companies rarely want to pay for workers’ compensation and will try to wiggle their way out of it.
Insurers may attempt to devalue, delay, or deny workers’ compensation. However, they are legally obligated to address claims within a reasonable amount of time. Follow up consistently if they are slow to respond.
The best thing that you can do is make sure your paperwork is in order and hire a lawyer if your case is especially tricky.
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Appeal Denied Claims
Missed deadlines are one of the most common reasons for denied claims, but even if you’ve met those, you might still face denial. Companies may claim that your injury was not work-related or that your injuries are not bad enough to qualify for workers’ compensation.
If you file the claim after leaving the workplace, it is most likely to be denied. However, there are specific appeal systems through which you can contest the denial of your claim.
They vary from state to state, and the process has several levels. Unless they deny your claim due to a simple clerical error, consider hiring a lawyer for the appeal.
Workers’ compensation law is often confusing. Delayed or denied workers’ compensation claims may make it hard to pay for medical expenses. It is crucial to do everything you can to fix delayed or denied claims.
Image Credit: denied workers’ comp claims by twenty20.com
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