The most typical reasons for this are as follows employer’s compensation insurance would doubt the legitimacy of your workplace injury claim.
Workers’ compensation insurers reject many valid claims, forcing honest and innocent workers to engage a lawyer and navigate the workers’ compensation system to receive their benefits.
If any of the following events occur, your claim is more likely to be denied by the insurer:
- No one saw your injury occur.
- You didn’t report your injury right away.
- A gap occurs between the report of your accident and your initial medical records.
- Your medical records show that you were using illegal drugs.
- You’ve made a workers’ compensation claim after losing your employment.
- You are protecting your interests by refusing to give the insurance company a recorded statement or sign medical authorizations.
1. You Did Not Have A Witness To Your Injuries
Workers’ compensation insurers don’t like unwitnessed injuries. Workers’ compensation insurance firms question the majority of unwitnessed accidents. Nothing you can do about it if you’re hurt at work, and no one witnessed your accident. But it would help if you took care to report your injury immediately to your coworkers and supervisor. Be sure to tell everyone the same story about how it happened.
2. There Is a Difference Between What You Wrote in the Accident Report and Your First Medical Records
Workers’ compensation claims are frequently denied when an employee’s account of how the accident occurred differs from the insurer’s version. If you report your incident one way to your supervisor but differently to your doctor, this will weaken your case. When you talk to your coworkers, supervisors, personnel, office staff, and health care providers about how the accident happened, be sure you’re consistent with the letter.
3. Your initial medical documents reveal the presence of illicit drugs in your system.
Being intoxicated on drugs or alcohol during your injury can be a basis to deny workers’ compensation. If employees get hurt while working and test positive for illegal substances, their insurer likely won’t willingly pay out their claim. In some case, however, benefits are still payable even if you tested positive.
4. You filed a claim once you were let go or laid off.
Employees who are genuinely harmed at work occasionally delay submitting a workers’ compensation claim. While this is not advised, it is common. Workers’ compensation claims filed after an employee has been let go or laid off are almost always denied because insurers doubt the injury happened at work. You’ll have difficulty convincing the insurance and workers’ compensation judge that you had a work-related problem if you are laid off before filing your claim. If you were laid off before filing your claim, you will likely need a lawyer to obtain benefits.
Contact Harvey & Carpenter Today in Mankato, Minnesota
Any of the following factors may result in an insurer denying a workers’ compensation claim. These include if the injury was not witnessed, the accident was not reported promptly, inconsistencies in the reports, or if the employee tested positive for drugs or alcohol.
If you have been injured at work, it is essential to report the accident immediately and be consistent in your reports of the accident to increase your chances of receiving compensation.
If your case has been denied or you have other concerns about your case, Contact Harvey & Carpenter Today!