Workers’ compensation is a failsafe that shields both employees and employers when accidents occur in the workplace or while performing work duties. However, insurers often do not want to pay out and will take any excuses to avoid doing so.
A single mistake can lead to a rejection.
1. Not reporting the incident promptly
One of the most important steps in the workers’ compensation process is reporting your injury to your employer as soon as possible. Waiting too long to report an injury can raise suspicions about its legitimacy. Insurers may try to argue that the injury did not occur when or how you said it did.
2. Not obtaining proper medical documentation
Another common mistake is failing to provide sufficient medical documentation to support your claim. When seeking workers’ compensation, it is important to thoroughly document your injuries and seek medical attention promptly. Make sure to keep all medical records, including doctor’s notes, test results and treatment plans, as evidence to support your claim.
3. Not following medical orders
Once you receive medical treatment for your work-related injury, it is important to follow your doctor’s orders diligently. Failing to adhere to prescribed treatments or returning to work before full recovery can not only hinder your recovery but also jeopardize your eligibility for workers’ compensation benefits.
4. Not keeping deadlines
Workers’ compensation claims are subject to strict deadlines and timelines. Missing important deadlines, such as filing paperwork or attending scheduled appointments, can be grounds for claim denial. Be sure to familiarize yourself with the deadlines associated with your claim and meet them.
Workplace injuries are not uncommon, which is why workers’ compensation exists. Denials are also not uncommon, but the reasons behind them can be as simple as one error. By remaining aware of requirements, employees can reduce the chance of a claim rejection. They can also appeal if they cannot avoid one.