Roadblocks You May Face During a Worker’s Compensation Claim
Even though worker’s compensation is meant to provide benefits and cover medical expenses for people injured in the workplace, most face roadblocks after filing claims and accessing the benefits they deserve. Here are 4 common roadblocks you may face when seeking worker’s compensation claim.
Your Boss Failing To File First Injury Report
When you are injured, it is important to notify your supervisor and boss. Your boss is then expected to fill a first report of injury and send it to your insurance company providing worker’s compensation within seven days of the injury.
To prevent you from receiving your claim, some bosses fail to file the first injury report or file it late, giving the insurance company grounds to deny your claim. It is important to follow up with your boss to ensure they have notified the insurance company about your injury.
The best way to deal with a boss who is reluctant to report your injuries is to hire a worker’s compensation attorney who will get the contact details of your insurance company and directly file a claim on your behalf. Most insurance company will not process claims filed 30 days after the occurrence of the injury.
Claim Being Denied Due To Application Mistakes
When filing for a worker’s compensation claim, you will be required to fill a questionnaire form which has a number of question regarding how the injury occurred and related issues surrounding the injury. This information is used by the insurance company to assess your claims and forms the basis of their investigations into your claims.
Most people filing in the form usually end up contradicting their answers without knowing or having answers that are open to interpretation by the insurance company. Such simple and honest mistakes are used by insurance companies to deny workers their benefits.
When filing your claim, it is advisable to seek legal assistance from a worker’s compensation attorney who will help you correctly fill all the required paperwork and ensure you have all medical records and any other evidence attached to strengthen your claim.
If you believe your first claim was wrongfully denied, you should hire a worker’s compensation attorney who will help you get your deserved compensation. Learn more on how your attorney will help you get your worker’s compensation benefits.
Medical Examiner Acting On Behalf Of the Insurer
After filing your worker’s compensation claim, your insurer will investigate the claims and also select an independent medical examiner to evaluate the extent of your injuries and asses any related medical issues as a result of the injury. The independent medical examiners report is used by the insurer to determine level of compensation. Because many independent medical examiners are paid by the insurer, most may report your injuries as less severe, enabling the insurer to give you compensation that is way little than what you deserve.
Intimidation and Underhand Techniques by Insurance Company and Employer
Your employer can easily sway you not to file claims due to their own selfish reasons. Others may even threaten your position if you file for injury claims. In addition, insurance companies have been known to use underhand and unethical techniques to get you to accept low compensation benefits or even not to file for claims. A worker’s compensation lawyer will give you adequate legal protection against your employer and insurer as they will handle all communication related to your injury claims.