How Various Parties Can Complicate Your Workers' Compensation Claim
When injured at work, you may receive benefits you are entitled to under the law to pay for your medical bills and lost wages. This form of compensation is known as workers' compensation benefits. But the process is confusing, especially since multiple parties are involved. You may encounter several problems when dealing with your employer, medical provider, and workers' compensation insurance provider. Fortunately, an attorney can help you throughout the process.
Employers
Employers must provide a safe and healthy work environment. They must also report work-related injuries to their workers' compensation insurance carrier and cooperate in investigating the claim. However, some employers may try to:
- Deny that the injury occurred at work
- Dispute the extent of the injury
- Discourage you from filing a claim
Employers may also pressure employees to return to work before fully recovering or offer a low settlement amount.
Medical Providers
Medical providers play an essential role in diagnosing and treating work-related injuries. They must:
- Document the injury
- Provide medical reports
- Communicate with the insurer
However, some medical providers may not be familiar with the workers' compensation system or may have conflicting interests with the employee or the employer. Medical providers may also provide inaccurate or incomplete information that can affect the outcome of the claim.
Insurance Representatives
Insurance representatives are responsible for evaluating and processing workers' compensation claims. They also have to pay for the injured employee's medical expenses and lost wages, as well as any permanent disability benefits or vocational rehabilitation services.
However, some insurance representatives may try to minimize or deny workers' compensation benefits by disputing the validity or severity of the injury, delaying or rejecting payments, or offering a low settlement amount.
Avoid Having Your Claim Denied
If you are not careful, your claim can be misfiled or denied due to errors, misunderstandings, or disputes. You need a workers' compensation attorney to protect your rights and interests.
When you hire an attorney for your injury case, they will work hard to gather and present all the necessary evidence to prove your claim and how it happened. They will take charge of negotiations with your insurance company and challenge unfavorable decisions. In addition, they will be your representative in hearings or trials to ensure that you receive the maximum compensation that is rightfully yours.
While not receiving your benefits can be frustrating, there is a path forward, and you may eventually be able to receive the benefits you deserve.
Reach out to a local workers' compensation attorney like David Helfand PA to learn more.
