Problems such as late reporting, conflicting statements, and failure to get treatment result in denial of compensation.
If you are injured at work, you are entitled to compensation until you can return to work. However, it can be a tedious task to prosecute insurance companies to pay for workers’ compensation claims.
Insurers are always looking for ways to deny workers what they are solidly entitled to as compensation for accidents at work. To reduce your chances of your employee being wrongly denied or prematurely denied compensation, here are five things you should do:
- Find treatment for the injury
If you injure yourself at work, make an appointment with a doctor and get treatment right away. Don’t hesitate to see a doctor to see if you are better. In most cases, you won’t feel any pain or pain immediately after the injury.
Consider hiring chiropractors to nurse the workers immediately to keep the injuries from getting worse. If your manager offers to have the company nurse examine you or call an ambulance, accept the offer. If you do not receive immediate medical attention after an injury, insurance companies will assume that you have not been injured.
You can use it to justify your decision to reject your employee’s claim for compensation. You could argue that you didn’t suffer the injury at work, or that if you delayed treatment, it wasn’t serious.
- Let your employer know about the injury
If you have an accident at work, inform your employer immediately. Ideally, your employer files a report with the insurance company within thirty days. If you do not report the injury within this period, you can legally enforce an employee’s claim for damages, but it is important to file the report immediately.
Any delay in notifying the insurer of the damage may make it difficult for them to believe that your claim for damages is genuine.
If your injuries are not severe enough to prevent you from working, notify your manager immediately. By doing this, you will ensure that you are complying with the worker’s compensation laws and increase the chances that your claim will be paid.
- Take doctor appointments seriously
If you’ve been seriously injured and have to attend a number of doctor’s appointments, make sure you don’t miss any of them. Failure to meet doctor’s appointments will lead the insurance company to believe that you have been cured or that the injuries are not serious. This gives them a reason to cancel or even deny your compensation.
- Explain how the injury occurred
Image by Josue Isai Ramos Figueroa, via Unsplash.com.
When getting treatment, make sure you describe how the injury occurred. Often times, insurance companies will refuse to pay workers if the initial medical records do not provide sufficient information about the injury. Although healthcare providers keep medical records, make sure you explain how you caused the damage. While you don’t have to share the details, it’s worth mentioning that it happened at work.
When you report the injury to your employer, describe exactly what happened. If you think your injury was due to repetitive motion, explain. Insurance companies attach great importance to the first damage reports from employees. So make sure you explain exactly and fully what happened.
- Provide detailed information on the accident forms
Your employer expects you to fill out and sign an accident form. When filling out the forms, make sure that you provide precise information. If you are uncomfortable or too numb to focus when the employer tells you to, ask for some time and fill out the form when you feel better.
- Keep your statements consistent
If an insurance company finds inconsistencies in your information, they will deny you the compensation you need for an accident at work. To prevent this from happening, make sure that your incident report is consistent. Do not tell your doctor or otherwise tell your employer. If you do this, your claim will be challenged by the insurer and you will end up losing your employee’s claim for damages.
- Get an employee compensation attorney
Contact an employee compensation attorney if you are having trouble resolving your employee’s compensation claim. Speaking to an experienced attorney will give you the clarity and professional help you need to win the case.
- Limit the insurer’s access to medical records
Insurance companies can request your authorization to access your medical records. While it is reasonable for you to do so, permission should only be limited to documents related to your accident at work. Do not sign a power of attorney that allows the insurer to view other bills or records without consulting your lawyer.
Final thoughts
Workers deserve fair compensation if they are injured in the workplace. Calling insurance companies to meet workers’ compensation claims is no brainer. Problems such as late reporting, conflicting statements, and failure to get treatment result in denial of compensation. Follow the eight tips outlined above to increase your chances of getting the compensation you deserve after an accident at work.
Comments are closed.