Many people often struggle to pay their bills after a work-related injury. Without worker’s compensation, the struggle often leads to dire financial consequences. Far too often, people injured at work make costly mistakes when they file their claims. If you suffered an injury while at work, here are some ways to maximize your worker’s compensation claim and protect your financial future.
Report Your injury Immediately
You should never wait to report your injury to your employer, no matter how insignificant the injury. Every state in the U.S. requires you to file your claim within a specific time period, and that time period differs dramatically by state. Some states also require you to file a claim form on a specific date, which officially starts the claims process.
Seek Medical Treatment Immediately
If you were not taken directly to a doctor or hospital from work, you need to seek out immediate medical treatment. By receiving prompt medical care, it serves as evidence by documenting your injury. Promptly visiting a doctor also provides proof of your physical limitations that prevent you from working. If you delay your medical care, the insurance company that covers your employer’s worker compensation may say your injury is not serious, or you have no injury at all.
Independent Medical Examinations
The insurance company processing your claim often requires that you complete an independent medical examination. The exam is not the same as getting treatment for your injury from your regular doctor. Instead, a doctor hired by the insurance company will perform an independent exam to determine your overall health. The doctor will then report the findings to the insurance company. If the insurance company schedules you for an independent exam, make sure that you attend the appointment. If you fail to attend, the insurance company will deny your claim.
Appeal a Denial of Benefits
Insurance companies are not in the business of approving worker’s compensation claims because it is the right thing to do. Insurance companies are in business to make a profit, and they will often deny legitimate claims. If you feel the insurance company unjustly denied your claim, state law gives you an opportunity to appeal the denial. Many injured workers have appealed their claims and wind up receiving some type of benefits. Keep in mind that you must attend every court date or legal meeting or face losing your appeal.
If you have been injured in an accident, contact our worker’s compensation experts at mtlawms.com, and let them help you get the benefits you need to keep your financial future intact.