Employers are required to carry workers’ compensation insurance to protect employees and employers alike. While the idea of providing compensation for on-the-job injuries is simple, the process often becomes complex in practice.
In the majority of cases, the insurance company denies the initial claim filed by the worker. The insurance company benefits from denying a claim because they don’t have to pay. When the injured employee is unaware of their rights, they may give up hope on getting compensation. An experienced workers’ comp attorney can help you appeal a denied workers’ comp claim and get the benefits you deserve.
Reasons Commonly Given for Denied Claims
- Failing to Report Your Accident on Time – Each state has laws that pertain to the amount of time you have to report your injuries to your employer. Failing to meet the time requirements will result in claim denial.
- You Didn’t Produce Witnesses – One of the first things experts advise an injured employee to do after an at-work accident is to identify witnesses. If you didn’t require emergency care or there were no witnesses on the accident scene, the insurance company may say that the accident didn’t happen or that it isn’t the cause of your injuries.
- You Didn’t Seek Appropriate Medical Care – You need to get medical care for any work-related injury immediately after your accident. In addition, it is important to follow through with all of the recommended treatments and tests ordered by your physician. Failing to get medical care makes it more difficult to prove that your injury is as serious as you claimed.
- Pre-existing Conditions – The insurance company may claim that your injury didn’t occur from the accident if you have previous health conditions or injuries impacting the same area. Careful and thorough medical records can help prove that the injuries are work-related. Even if the accident further aggravated a pre-existing injury, you have the right to workers’ comp benefits to cover the additional cost of treatment.
- You Were Using Alcohol or Drugs When the Accident Occurred – If a blood test shows that you were under the influence of any mind-altering substance during the accident, the insurance company will deny your claim.
If your workers’ compensation claim is denied, contact The House of Workers’ Compensation for a free consultation. We specialize in handling workers’ comp claims and helping our clients get the compensation they deserve. Hire an experienced workers’ comp attorney to represent your claim properly.