Suffering a work-related injury can be a stressful and overwhelming experience. Workers’ compensation benefits provide an important lifeline for employees who find themselves unable to work due to an on-the-job injury or illness.
If you receive workers’ compensation, you might wonder what happens when these benefits suddenly stop.
Reasons for benefit termination
There are several reasons why your workers’ comp benefits may stop.
- Your doctor determines that you have reached maximum medical improvement
- You return to work at full capacity
- The insurance company disputes your claim or the extent of your injuries
- You fail to attend required medical appointments or follow prescribed treatment plans
Understanding these common reasons for termination helps you combat those risks.
Steps to take when benefits stop
If your workers’ compensation benefits get terminated, there are a few things that you can do. Review the notice of termination to understand the reason behind the decision. Then, gather documentation to support your case and dispute their claim. File an appeal with the state board to request continuing coverage and consider seeking a second medical opinion to strengthen your position.
Things to consider when appealing
When appealing a termination of benefits, it is important to act quickly, as there are often strict deadlines for filing an appeal. You can expect to attend a hearing before an administrative law judge. During this hearing, you will have the opportunity to present evidence and argue your case for the reinstatement of benefits.
Dealing with the sudden loss of workers’ comp benefits can be challenging, but it is important to remember that you have rights and options. If you find yourself in this situation, do not hesitate to advocate for your needs and pursue an appeal.