Most employers with three or more workers must cover them with workers’ compensation. Workers’ compensation pays the employee medical benefits as well as wage replacement after suffering an injury from a work accident. However, your claim can be denied for a number of reasons. Knowing these reasons will help you avoid costly mistakes that lead to a denied claim.
- Failure to promptly report the injury. After the accident, you will have a deadline of 30 days to notify your employer of your injury. Do this promptly by yourself if your injury allows. Otherwise, have another do this on your behalf.
- Failure to get prompt medical care. Sometimes an injury’s seriousness is not immediately apparent after an accident. Depending on the nature of the injury, it may take weeks before its seriousness becomes fully apparent to the victim. Do not shrug off the pain or take the chance that the injury is minor. Get medical attention without delay. Explain clearly to the doctor the nature of the accident as well as when and where it occurred so that the information is recorded in your medical records.
- Making a claim after termination of employment. Getting laid off or fired might happen if you delay too long in notifying your employer of your injury. This may occur because of a legitimate reason and your employer may have no knowledge of your injury. However, regardless of your employer’s intent, making a prompt claim will exclude this possibility.
- The injury did not occur at work. The injury must have occurred at work or while doing business for your employer. If this is not the case, you cannot make a claim. However, allowing too much time to pass before making a legitimate claim can cause suspicion, especially if no one witnessed your accident. Insurance companies may attempt to deny your claim on the basis of their suspicions.
Don’t give your employer or the insurance company any reason for denying your workers’ compensation claim. However, if your claim was unfairly denied, seek the help of an experienced workers’ compensation lawyer who will fight to get the compensation that is rightfully yours. Contact us at Mike Lewis Attorneys.