Workers compensation laws are in place to ensure that you are reimbursed for lost wages and medical expenses if you suffer an on-the-job injury. Yet, the insurance companies responsible for paying out your compensation will often look for any reason to deny your claim. The following tips can help you avoid issues with your claim so the insurance company will have to pay.
Tip #1: Report the injury correctly
Make a point of reporting any injury, no matter how slight, to your immediate supervisor. You should also make the report in writing. Using a medium that gives you access to delivery information and copy of the report, such as email, can be helpful if your company doesn't provide report forms. The reason for these reports is simple – most states require that injuries be reported within a certain time frame or benefits don't have to be paid. Reporting immediately is the best way to ensure you don't miss the reporting window.
Tip #2: Make sure it's medically documented
You need to seek medical treatment in order to place a claim. You may have to go to a company-approved doctor unless you need emergency treatment, so verify the requirements with your human resources department. Then, when you are with the doctor, make sure you fully explain how the injury occurred and how it is affecting you so that the doctor can record the information correctly. These medical reports can be an important factor when the insurance company is deciding on your claim.
Tip #3: Fill out an accident report correctly
All too often employers try to get the accident report filled out immediately, but this can be detrimental to your case. Make sure you have been treated and that you have a clear head (both from pain and from medication) before you fill it out. You want to make sure you record the details factually and make no errors on this form. Any inconsistencies between this form and medical reports can be used against you, even if the issue was just a minor mistake.
Tip #4: Follow the treatment plan
Finally, make sure you follow the doctor's prescribed treatment plan completely. If you miss appointments or go back to work before you should, the insurance company will use this information in an attempt to prove your injuries aren't severe enough to warrant compensation.
For more help, contact a workers compensation lawyer in your area immediately or visit a website like http://www.hardeeandhardee.com.Share