When you get hurt at work, your employer's workers' compensation insurance does a good job of providing you with valuable benefits. Unfortunately, benefits sometimes get denied. Before you panic, take a look at the tips below meant to help you deal when problems crop up with your workers' comp claim.
Your claim was questioned when the facts didn't check out
Coping with a work-related injury can be even worse than most imagine, which could put you at risk for making an error on the claim form. Whether it was the supervisor who filled the form out incompletely or incorrectly or you, you should contact the insurance carrier at once and try to get things straightened out.
A claims form is an important legal document, and the information on it is validated by your signature. Be sure to read the report and pay special attention to names, times, dates, locations, and other details. For example, be sure that you explain the circumstances under which your accident happened in great detail. Be forewarned that mistakes and inaccurate information on claim forms can make it appear that you are being less than honest with the facts.
Your claim was denied due to signs of alcohol or drugs
It's a common scenario to be drug tested when you show up at the doctor's office or emergency room after a workplace accident. If the results of that test show that you had the presence of drugs in your system, you won't be able to get workers' comp coverage for your workplace accident. Moreover, you may be facing a termination of employment from your job entirely.
Unfortunately, these drug screens can pick up false positives and may even show the presence of legitimately prescribed medications. If you know that the only drugs that were in your body were legally prescribed, you should be prepared to prove it by producing the prescription. Additionally, if you have been falsely accused of being under the influence of a substance, speak to a workers' comp lawyer.
Your claim was denied due to lack of corroboration
When an accident happens in isolation, did it really happen? Unfortunately, claims of muscle pulls, strains, and more seldom show up on the diagnostic testing performed after a work-related accident. This can lead to allegations of falsifying claims, and it may even get you fired.
The best way to deal with this issue is to return to the scene and locate co-workers, residents, businesses, and cameras to help bolster your claim of an injury. If you still encounter problems with your claim, speak to a workers' compensation attorney for assistance in getting the benefits you need and deserve.Share