If you are off work due to an injury or sickness that took place while you were in the course of doing duties assigned you at work, you could be entitled to workers’ compensation. This doesn’t come out of your employers’ revenue but in most cases your employer should have taken out workers’ comp insurance with a company like the American Financial Group. It is useful to claim workers compensation because it typically it covers the cost of your medical treatment and expenses and any loss of earnings you have experienced while being off work recovering. Sometimes you may need to hire a workers’ comp attorney as claims are sometimes refused and an appeal may be necessary in order to get the workers’ comp you are entitled to. American Financial Group - Company Profile The American Financial Group has been in existence since1872 and was founded by Carl H. Lindner. Its headquarters are situated at Queen City Square in the Great American Tower in Cincinnati, Ohio. It deals mainly with insurance including casually insurance products and worker’s comp for employers. In 2011 its revenue was well over $4 billion and it employed in 2015 6,700 workers. The American Financial Group was accorded a ranking of 486th in 2004 on the Fortune 500 list. The American Financial Group's insurance products are administered by the Great American Insurance Company. 4 Tips for Coping With a Denial of a Workers’ Compensation Claim After filing your workers’ comp claim, you may receive a notification that it has been denied from your state labor board or state workers’ compensation board with the reason specified in the letter. If this happens you may have grounds to lodge an appeal but you will need help and advice from an attorney first. What happens next will depend on the reason for the denial in the first place. Tip #1: You should check to ensure that either the insurer or your employer didn’t make any simple easy detectable mistake when facts surrounding your case were forwarded to the board concerned. It could quite a simple mistake like writing that is not legible or a wrong date has been inserted into a box on a form. It will just take the eye of an experienced workers’ comp attorney to discover something like this and it’s easy to put right. Tip #2: If the reason for the denial can’t be attributed to some admin. error then your only choice is an appeal. You will need to have all the documentation that went with your original claim at your fingertips to hand over and be scrutinized by your chosen workers’ comp attorney. The attorney will immediately know what should be done next to help to reverse the claim denial. Tip #3: Once the matter has been discussed with your attorney an appeal should be lodged as directed by the attorney. You must not miss the final date for filing an appeal. Not long after the appeal has been received and recorded, a time will be set for an administrative hearing. This is when a judge will be present to hear the reasons for the appeal. Tip #4: As this is an appeal you must ensure you have any extra documents, including witness statements, to help to support your appeal. Your attorney will tell you what’s needed but it’s often due to a misunderstanding on behalf of your employer. You may need to provide the evidence that indicates that your injury or ill health is due to events in the work place. Also you must make sure that you have the complete details of all the medical treatment you have received with a thorough breakdown of the costs. How Help from an Attorney Is Needed When a WC Claim Has Been Denied A workers’ compensation attorney will most likely have years of experience handling cases like yours and will immediately be able to recommend the next course of action when a workers’ comp claim has been refused. *The content of this article serves only to provide information and should not be construed as legal advice. If you file a claim against American Financial Group, or any other company, you may not be entitled to any compensation.
