Other potential mistakes to avoid when filing workers’ comp claims
On paper, workers’ compensation should cover any medical expenses and lost income an employee suffers following a work-related injury or illness. But in reality, a worker’s claim can be denied for several reasons, making the compensation process much less straightforward.
Employers and insurers can deny claims because of certain basic mistakes. These include submitting the claim forms on time, seeking medical attention immediately following an incident, and selecting healthcare providers within an insurer’s network. It goes without saying that workers should avoid committing these errors for a smooth claims experience.
However, there are other lesser-known mistakes that workers should avoid to ensure their claims have a fair chance.
Using personal health insurance for work-related injuries
If you suffer a work-related injury, it might be tempting to have your personal health insurer cover your medical expenses while you wait for your employer’s workers’ comp insurer to pay. Doing this can lead to complications in the claims process, especially if you sought medical attention from a healthcare provider who’s not in your employer’s network.
Failing to consider the full extent of your work-related injury
You might consider accepting a quick settlement for your claim in order to get a payout immediately. However, if you don’t consider the long-term effects of your injury or the future medical treatments you’ll need, you might miss out on adequate compensation.
Failing to follow prescribed medical advice
You should follow the medical treatments and advice of the plan-supported healthcare provider. You should also show up for any medical appointments scheduled. Your employer or insurer can interpret the failure to follow as evidence that your injuries aren’t severe.
Handling complex cases without legal representation
Complicated claims, such as those involving pre-existing conditions or disputes with insurers, can be impossible to handle alone. You should consider having a legal professional on your side, who can provide you with advice on how to navigate these situations.
Workers’ compensation is complex, but you don’t have to face it alone. An attorney experienced in workers’ comp would be helpful since the professional can explain your rights and responsibilities as an injured worker.