The work compensation insurance system has many pros and cons that both employers and employees need to know about. This will enable them to make informed decisions time and again. Work comp is meant to provide workers with guaranteed benefits whenever they get injured at the workplace. In return,the injured worker gives up his or her right to sue their employer for negligence.
After getting physically injured or developing an illness related to their day job,workers have 30 days to report the illness or physical injury to their employer. The employer will then file a claim with the work comp commission in the state. While most claims usually get approved,some are often denied. Knowing what to do when work comp gets denied can give you peace of mind.
Possible Reasons for Denial
There are many reasons why a work comp claim can get denied. The commission may claim the injuries were self inflicted. They may also claim that the injuries are not related to your employment. There might also be a claim that you were not properly enrolled into the work comp system. If the injury was reported after the 30-day reporting period,the claim can be denied. If your employer disputes the claim,it can be denied and you’ll need a work accident attorney to overturn it. If no medical treatment was sought,the claim can be denied. Whatever the reason,a denial should not be the end of the story as there are steps you can take to get some justice.
What to do When Your Claim is Denied
The first thing you need to do after your claim is denied is to find out why. Be sure to ask your employer or their work comp carrier why your claim was denied. Next,file an appeal within 30 days and provide supporting evidence to address the denial. Be sure to hire a workers compto help you with the appeal as this will boost your chances of getting a favorable outcome.