If you have suffered an injury on the job, you may be entitled to workers’ compensation. However, employers and their insurance companies will look for any potential reason to deny your claim—even if it is legitimate.
The following are the most common reasons why your workers’ compensation claim was denied:
- Your injury isn’t work related – If you suffered an injury while performing a task for your employer or work conditions result in your injury, you are covered under workers’ compensation. Even if you are injured on a business trip or while working away from the office, you are still covered. On the other hand, if you are hurt during your morning or evening commute, you are not covered.
- You failed to report the injury – As soon as the injury occurs, you must report it to your employer immediately. Although you have 30 days after the date of the injury to file a report, it is imperative to do so as soon as possible. The longer you wait, the more suspicious the insurer will be of your claim.
- You failed to seek medical attention – Many people make the mistake of avoiding medical treatment to see if the injury could heal on its own. But if you delay seeking medical care following the accident, not only could your injuries worsen, your employer and insurer could deny your claim because your injuries weren’t serious enough for immediate medical attention. In addition to seeking care right away, you must be treated by an approved medical provider.
- You have a pre-existing condition – While you are eligible for workers’ compensation if a workplace accident aggravates a pre-existing condition, your employer and insurer may deny your claim or reduce your benefits by claiming the pre-existing condition is the main reason why you were injured.
- Your employer disputes your claim – Whether the injury didn’t happen while you’re working or you were involved in some sort of misconduct prior to the accident, whatever the reason may be, your employer may deny your benefits to avoid having your claim on their policy. This is often the case when there are no witnesses or video footage.
If your workers’ compensation claim was initially denied, do not give up hope. At Whiteman, Hamilton & Conklin, LLC, we can evaluate your claim, determine your legal options, and help you obtain your entitled benefits.
For more information about our legal services, contact us and schedule a free consultation today.