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Reasons why your workers’ compensation claim might be denied

On Behalf of | Feb 3, 2022 | Workers' Compensation |

You expect your worker’s compensation to cover you in the event of a workplace injury, but things may play out differently when your claim is denied. Think about the medical bills you may have to deal with in addition to lost wages as you recuperate from your injuries. It may be heartbreaking, especially if your claim is valid.

The first step is understanding why your claim was denied in the first place. That way, you will know the steps of action to take. Below are some of the more common reasons.

  •     You took too long to inform your employer about the workplace accident.
  •     You had pre-existing medical conditions
  •     There was a discrepancy between your injuries and the medical report
  •     You filed a claim after you were dismissed

Here is what you can do

After reviewing the denial letter and understanding why your claim was denied, the most prudent thing to do is appeal the decision. Sometimes, a slight mistake in the paperwork may have been your undoing, but you can get things right with an appeal.

It is important to ensure no loose ends during your appeal. Therefore, you need to be prepared with supporting documentation for your claim since you may be required to provide evidence at this stage.

You have legal rights

Sometimes, the insurance company or even your employer may decide to frustrate your efforts towards getting compensated. In such instances, you need to be proactive in protecting your legal rights by taking the necessary actions. You deserve compensation if your claim is valid, and it is against the law to have your claim denied out of malice.

Learning more about the workers’ compensation process will help you anticipate some of these challenges and ensure that you are well informed on how to deal with them.