If you were injured while working, you will need to file a claim for workers’ compensation benefits. The claims process is very detailed. Specific documents must be filed, paperwork must be filled out, proper procedures must be followed, and a strict statute of limitations must be adhered to. Just one mistake can cost you the benefits that you need during such a trying time. Work accidents lead to mounting medical bills and lost wages, which can be covered through your employer’s workers’ compensation coverage. But, not all workers’ comp claims are approved. There are hundreds of legitimate claims that are denied every year. Contacted By The Insurance Company Insurance companies are not in the business to spend money. They want to save money. So, you cannot expect the workers’ comp insurer to be willing to foot the bill right away. Sometimes it can require some coaxing and additional evidence to get them on board and to get your claim on the right track. Every state’s laws vary, but there is a specific claims process that must be followed with tight deadlines met in order to receive benefits. You need to be careful about any statements you make to your employer or their insurer, because you could cost yourself your benefits. If you are contacted by the workers’ compensation insurance company, you should tell them they need to talk with your lawyer. Provide them with your lawyer's name and contact details. Don’t speak to the insurance company without consulting with your lawyer first. Providing Details To The Insurance Company The insurance company will have access to all the documents that pertain to your workers’ compensation claim. These documents will include the accident report, your medical records, medical bills, statements from any witnesses, and your statement that was given for inclusion in the report. They can access your employee file as well. They will also do research to determine if you have suffered a similar injury in the past or if you have been treated for a similar condition. They will check to see if the condition is pre-existing, or if might have re-injured an old problem that didn’t heal properly. Sometimes claims are denied because insurance companies allege it was pre-existing or they allege it did not happen at work. In those situations, your workers’ compensation lawyer must file an appeal. Consult With A Workers’ Compensation Attorney If you have been hurt while working, you should consult with a workers’ compensation lawyer. A lawyer will work to protect your rights and aggressively pursue the benefits you are entitled to receive after a workplace injury. A lawyer will handle all negotiations with the workers’ compensation insurance company as well. Complete the Free Case Evaluation Form on this page to have your details shared with an attorney in your state who represents clients who have suffered workplace injuries. With the help of a workers’ compensation lawyer, you can get your claim on the right track. Additional Resources Workers’ Compensation Insurance Companies What is Workers’ Compensation Insurance?
