Why Your Workers’ Compensation Claim Could Be Denied
When you are injured while on the job, you will likely have the ability to file a workers’ compensation insurance claim. These claims are typically straightforward and provide you with the ability to obtain compensation for your injuries while you recover. This compensation usually comes in the form of coverage for lost wages and your general medical expenses. While workers’ compensation claims are typically accepted, there are a few things that could cause your claim to be denied, which you should know of before filing.
Disputes About Injury Being Related to Work
In order for your injury to qualify for workers’ compensation insurance, it must be obtained while you were performing your standard job duties. It’s possible that your employer could disagree that your injury occurred while working. They could also claim that you had recently been involved in some form of misconduct when the injury took place, which may cause the claim to be denied. If a dispute arises, you will likely be required to gather evidence to support your claim, which includes everything from witness accounts to a medical examination. A personal injury lawyer can help you handle this aspect of your case.
Missing Your Deadlines
You also need to make sure that you don’t miss any deadlines throughout the workers’ compensation process. For instance, it’s important that you report your illness or injury to your employer as soon as it happens. You will have separate deadlines for reporting your injury and filing your claim. Once you’ve filed your claim, the insurance company will have around 30 days to accept or deny the claim. If you missed any of these deadlines, your claim could be denied.
Your Condition Not Being Covered
Some conditions won’t be covered by workers’ compensation insurance. For instance, your injuries may not be as severe as they need to be in order to file this claim. An illness that’s caused by emotional stress might not be covered as well. There may also be restrictions for psychological conditions and other trauma.