What Employees Should Know About Workers Compensation
Workers compensation is designed to help employees who are hurt or ill during or due to their work. Employers pay into this type of insurance in order to handle medical expenses and lost wages of their employees. In return for this, employees are paid through this insurance rather than through a lawsuit that they might bring against the company.
Workers sometimes wonder if they can be denied workers comp. The answer is yes. Some of the common reasons for denial include the following.
No witnesses to the injury
You refused medical treatment
You were not injured at work
The injured party was under the influence of drugs or alcohol
The employer was not notified of the injury
You do have the right to appeal a decision. Your state guidelines will determine your appeal process. Some employees decide that their best course of action is to hire a workers compensation lawyer. Lawyers who specialize in this field are well equipped to handle your case and help you reach the best possible outcome.
Receiving your compensation
If your appeal is heard and approved, you will begin receiving your money. However, the process is not known for being quick. You can expect to wait a month or two before you receive anything.
Important to do list
If you want to lower your chances of being denied, there are some things that you should do.
Report your injury immediately – Any time that you are injured at work, you should report the incident. Even if you think it's not important, you may find out later that your injury was worse than you initially thought.
File all paperwork in a timely manner.
Go to approved doctors and healthcare providers. Getting prompt medical care is important when you file for workers comp.
Keep all of your appointments.
File paperwork when it's received. You may have deadlines that you are not aware of. Read everything carefully and take the time to fill out any information that is needed.
Filing for workers compensation is your right. It is also something that you must take seriously. If you don't follow directions and do things the correct way, you could very well find yourself with a denial letter. Always use caution at work, report injuries, and fill out all the necessary paperwork. Never work while intoxicated. If you follow these few simple rules, you are likely to get approved. If you're not, keep in mind that you always have recourse.