How Injured Workers Can Handle Complicated Workers’ Compensation Claims
Most companies have workers compensation packages that cover employees who get injured in the workplace. It also prevents employees from suing the company for any personal injury claim.
While most cases are straightforward, some may end up denied.
This is when things can get frustrating, especially with bills piling up and lost wages.
Why a Workers’ Compensation Claim Is Denied
Workers’ compensation packages follow a no-fault policy where the employer has to pay the employee who’s injured while working for them. However, the package doesn’t offer automatic payouts.
There is always the possibility of the insurer rejecting the claim if they consider the request is invalid.
The denied claims generally are those which mean high payments to the employee, with perhaps huge settlements.
Insurance companies are always looking to pay victims the minimal amount possible. That’s why employees injured in the workplace shouldn’t take no for an answer.
You should put in more effort, and perhaps hire a workers’ compensation attorney in Glendale to handle their case.
You can also adopt the following steps for a better chance at approval:
· Consult a doctor immediately after the accident
Some employees are embarrassed or frightened to seek medical attention if injured because they are worried about the injuries’ extent.
However, this is a huge mistake to make.
You should get treated as soon as possible.
Delaying in treatment only makes it easier for the insurer to prove your injury isn’t as severe as claimed. Some insurers even go to the extent to say that your claim is a scam.
It’s better to get diagnosed and treated on the day of the accident. The injury date is thus recorded and instrumental in getting your claim approved.
· Report the accident as soon as possible
Inform your manager/supervisor about the injury, preferably a formal and written one. Don’t assume that the supervisor knows about the accident and refrain from reporting it.
· Don’t forget to submit your workers’ compensation claim.
Some employees assume reporting to their company completes the claim process.
They are however wrong because there is a claim form to fill. You have to ask your employer for a copy if they don’t give you one.
No employer can deny giving a form.
In fact, you should immediately contact an attorney if your employer tries to convince you that you needn’t file a claim.
Ensure you thoroughly fill out the workers’ compensation form to prevent rejection.
How Much Should I Tell Insurance Providers?
Insurance companies generally question injured employees with an extensively reported injury requiring lots of money and time for treating.
However, be careful of what you tell them, and avoid wandering away from facts.
You also don’t need to record any statements. It may end up used against you if you do. You have to contact your attorney if you are asked to record one.
The insurers may also claim that they have the right to see all your health records.
However, it’s not true.
They can only see your injury-related documents.
Private Investigator and Surveillance
Sometimes the insurance company may hire a private investigator to find out if you are genuinely injured. It’s part of the company’s investigation before approving or denying a claim.
The investigator does things like click photos of you doing things you claim you can’t do, like lifting heavy objects or walking normally.
All it takes is a picture of you publicly carrying heavy items or walking comfortably to prove that you were lying, and aren’t injured.
Is It Necessary to Attend All Medical Appointments?
Remember, insurance companies are always on the lookout for mistakes, to deny your workers’ compensation claim.
The common mistake injured employees make is not attending, or rescheduling their doctor appointments.
Medical professionals maintain records, including your missed appointments. It’s enough proof for insurance companies to deny your claim. You even have to continue attending scheduled treatments after feeling better.
When Do I Contact a Workers’ Compensation Attorney?
You know it’s time to contact your Glendale workers’ compensation attorney when the filing process gets too complicated. They are experts in the niche and will help make your filing process so much easier.