For workers that need it, workers' compensation insurance very often does what it's supposed to do. Your employer is required to provide you with this form of insurance that covers certain work-related injuries as well as some occupational diseases. Unfortunately, some claims get denied and some workers just give up and return to work. This can be a mistake and make it even harder to get the benefits you need. Read on to learn more about some common reasons for claim denials so that you can avoid them and get your claim back in force.
They say your injury occurred off-site
Workers' compensation insurance covers workers for injuries that occur while working. If your injury happened while away from work, but is related to work, then you might still be covered. The key issue is how the situation related to your job and you should be prepared to show that the location and circumstances surrounding your injury was work-related. Some common off-site injury situations might include:
You delayed filing your claim
While the exact time limit varies from state to state, you must file your claim in a timely manner. In general, the longer you wait to file, the greater the difficulty in having it approved. If you are injured, see to it that a claim is filed as soon as possible. Inform your employer as soon as possible after an injury or the diagnosis of an industrial illness and follow up on the claim. If you wait too long to file, it might look suspicious to the insurance carrier and put the credibility of your claim in question.
They claim you have a preexisting condition
In many cases, the existence of an injury or condition before the work-related incident is not a bar to getting benefits. However, it might be more difficult to get what you deserve. For example, if you were involved in a car accident and injured your back you may have more of a challenge getting workers' compensation benefits if you later re-injure your back at work. Just like all insurance companies, the carrier's goal is to pay out as little as possible on claims. They may view the circumstances of the work-related accident as being only partially to blame for the injury.
They claim misconduct contributed to the injury
Not everything is covered by workers' comp and one of those instances are injuries that fall into one of the below categories:
No matter what the reason might be, speak to a workers' compensation attorney at once. You are entitled to a series of appeals and professional legal help could get you the benefits you need.
Share15 September 2018
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