Most workplace injuries happen quite unexpectedly meaning that all of a sudden a healthy caring breadwinner ends up in hospital injured and unable to work and earn much needed income. Fortunately, in the workplace, most injuries and illnesses that take place are covered by workers’ compensation insurance that’s paid for by the employer through such insurance providers as the Employers Holding Group. This in general covers the cost of medical care and a certain percentage of lost income that takes place due to the injury. There are occasions when an insurer fails to agree to pay workers’ comp. leaving the worker out-of-pocket. This is when a workers’ comp. attorney is required to sort out and negotiate a favorable outcome to this denial of a claim. Employers Holding Group - Company Profile Employers Holdings, Inc. was incorporated on the 9th March 2005 as a holding company. The company offers coverage for workers' compensation insurance to small businesses in the low to moderate hazard industries. The company offers workers' compensation insurance to employers who are required to cover their employees' for disability, medical and vocational rehabilitation, as well as death benefits illnesses and injuries which are related to work. Tips to Help Handle a Workers’ Comp. Claim That Has Been Denied There are several possible reasons for refusing to honor a workers’ comp. claim. Your state’s workers’ comp. board will be quick off the mark outlining the reasons why your workers’ comp insurance claim was denied. Frequently the denial is because you have failed to provide adequate documentation to support your claim making it virtually impossible for a claim assessment to be made. In this situation you may have to appeal the decision and in order to get your best chance of a successful outcome you may need to discuss the matter with an experienced workers’ comp attorney. Tip#1. Study the denial letter carefully so you can work out why your claim was denied. Earmark any documentation that you may have omitted to include so you can get it ready for your appeal. At this point you may need to talk to a workers’ comp attorney who without too much thought will be able to work out what you need to do next. Tip#2. It could be your employer who is at fault not you. Not all employers are keen to process a workers’ comp. claim and they may try to get out of it by stating your injury did not take place while you were at work. These sorts of mistakes can be sorted out as long as you have the evidence at hand to prove your injuries are work related. Tip#3. Sometimes, a claim for workers’ comp. is denied because the filing of the claim was way past the due date. If you have a justifiable reason for filing your claim late you should discuss with an attorney lodging an appeal so that you can have a second go at getting your workers’ comp claim accepted. Do remember to check the latest date for filing an appeal as you may lose out if you don’t get it in on time. Tip#4. Your attorney may get you to find more verifiable evidence of the causes of your injury and a detailed list of all your treatment and how much each component cost. Sometimes a claim is rejected because the evidence is typically not clear-cut that the accident happened actually in the workplace. Tip#5. As soon as your appeal has been submitted you will be informed when to attend an administrative hearing. A judge will carefully assess your evidence and decide if you have the grounds to file an appeal. Use an Experienced WC Attorney if you Intend to Appeal a Denied Claim A lot of the paperwork when filing a workers’ comp. claim is typically straightforward but if your claim has been denied and you have decided to appeal you have a greater chance of success if you talk to an experienced workers’ comp. attorney who will work hard to win the appeal on your behalf. *The content of this article serves only to provide information and should not be construed as legal advice. If you file a claim against Employers Holding Group, or any other company, you may not be entitled to any compensation.
