If you were injured or became seriously ill while at work you may have already made a workers’ compensation claim after discovering that your employer was holding workers’ comp. insurance with an established insurer such as Liberty Mutual. You will expect that your claim would have been successful and that your medical costs, as well as wages that you may have forfeited because of absence from work would be reimbursed. Workers’ comp. claims are not always awarded. Sometimes they are denied for a number of reasons. You may be able to sort out the denied claim with the help of an experienced workers’ comp. attorney. The Liberty Mutual Group – Company Profile If your employer is holding workers’ comp. cover with Liberty Mutual Insurance, you will at least know that it is a very well established and reputable insurance provider. Liberty Mutual is one of America’s largest providers of property and casualty insurance as well as providing similar insurance services in many other countries outside of the U.S. The Liberty Mutual Group employs around 50,000 people worldwide and its U.S. headquarters are in Boston, Massachusetts. These Tips May Help You if Your WC Claim Has Been Denied Tip no. 1. First identify why your claim was denied. This will then determine your course of action. The denial reason(s) will be listed on the denial letter you get from the state labor board or the state workers’ comp. board, even if the real stumbling block was information supplied by either your employer or your employer’s insurer. Tip no. 2. Check that dates and times are correct. Sometimes, a denial is made because of wrong information supplied by an employer or insurer. One of the more common reasons is that you didn’t officially inform your employer about an injury or illness in time. This discrepancy may be able to be cleared up before you move on to thinking about making an appeal. Tip no. 3. Talk to an experienced workers’ compensation attorney about your legal options and whether the attorney thinks an appeal is worthwhile. Tip no. 4. If the attorney advises you to go ahead, make sure you submit an appeal via the correct method and well in time. As with the original claim there will be a time limit put on appeals being made. Tip no. 5. Make sure you collect any appropriate documents that might clinch your claim before you are called to the administrative hearing where your appeal will be heard. Contact a WC Attorney Before You Appeal a Denied Claim An experienced workers’ comp. attorney can make all the difference between failure to impress a skeptical workers’ comp. board and overturning a decision to deny a claim. The reasons for denial tend to be quite limited so if your attorney suggests that an appeal might work, there will probably be paperwork you did not submit originally that the attorney will suggest this time round. *The content of this article serves only to provide information and should not be construed as legal advice. If you file a claim against Liberty Mutual or any other company, you may not be entitled to any compensation.
