Has Your Workers' Compensation Claim Been Denied?
If you have suffered a job-related illness or injury, you have probably counted on workers' compensation insurance coverage for medical care and financial support. Unfortunately, coverage is not always guaranteed. Many workers each year are frustrated to learn that the insurer has denied their workers' compensation claim. Reasons for denials can vary, but the good news is there are still steps you can take. Here are a few of them.
Hire A Workers' Compensation Lawyer
The first thing you want to do following a denial is to hire a workers' compensation attorney. They have the knowledge and experience to guide you through the appeal process and receive the benefits you deserve.
Review The Reasons For Your Claim Denial
There are numerous reasons the insurance company may deny your claim. Some of the most common ones include the following:
- Failing to notify your employer of your accident or illness in writing within the specified period. This period varies by state. It may be as short as a few days in several states, while others require you to report it as soon as possible.
- Failing to file all the required workers' compensation forms on time. This period also varies by state. For example, Hawaii gives you up to five years to file a claim, while Nevada only provides you with 90 days.
- Failing to follow the doctor's treatment plan
- Failing to receive proper treatment for your injuries from an approved medical provider
- Having a pre-existing condition at the time of your injury
- Being intoxicated, impaired, or engaging in horseplay at the time of your injury
Once the company denies your case, you will receive a notification letter that will provide you with the specific reasons for your denial. Reviewing this information with your attorney will help them know what they need to do to argue your claim.
Provide The Required Information
Your workers' comp case is based on much work-related evidence and your medical information. You must keep copies of any information related to your injury. Send copies of this information to your attorney so they may include it in your case record.
Follow The Advice Of Your Workers' Compensation Attorney
Once you hire an attorney, they will help you navigate the complex nature of your case. No two workers' compensation cases are alike, so do not take advice from family or friends just because they have filed a case and won. Listen to and follow the advice of your lawyer.
To find out more, contact a workers' compensation lawyer.