Millions of people across the country spend their work days crouching, crawling, pulling, pushing and lifting. Even in a seemingly safe environment, an employee can be in danger of being injured, and in some cases, employees can put themselves at further risk of not receiving proper compensation for their injuries. Most employers must have workers’ compensation coverage, but some legitimate claims are denied. Below are the most common reasons for worker’s comp claim denial.
Delaying the Injury Report
Illnesses and injuries must be reported in writing and as soon as possible. If there’s a delay, it may be harder for a workers compensation attorney to prove that the injury was work-related.
Visiting One’s Own Doctor
Some injured or sick workers visit their own physicians, but they’re not always part of the company’s insurance network. To get medical expenses covered by workers’ comp, the employee should see a recommended provider.
Some claims are denied because the illness or injury was not related to the job. For instance, if a family member brings a worker lunch and they slip when trying to get it, the injury likely wouldn’t be covered.
Another error some workers make is to give the doctor an incomplete version of events. Many people are anxious to start work again, and they don’t provide enough details about the injury and its symptoms. If a worker needs additional treatment for another part of the body affected by the workplace injury, but they didn’t tell the doctor about it in the beginning, it may not be covered by workers’ comp.
A Pre-Existing Condition
Workers’ compensation insurers are reluctant to pay to treat ailments that existed before the incident occurred. However, if a pre-existing condition is made worse by the person’s work, they may receive minimal compensation. Consult an attorney for more details.
Workers should consider that not all companies are legally required to have workers’ comp coverage. If someone gets sick or is hurt on the job, they should discuss the likelihood of workers’ compensation with their employer and an attorney. Call today to learn more or to schedule a consultation.