When you’re hurt on the job, the one thing you hope will be true is that your employer will take responsibility and you will get your claim approved for workers’ compensation. Unfortunately, that is not always how things work, and it’s possible that your claim could be denied.
There are many reasons why your claim might be denied ranging from not including enough information to missing important deadlines. Here are the five most common reasons and what to do next.
1. You didn’t file in time.
The first reason that you might have a claim denied is if you didn’t file the claim soon enough. To avoid this, let your employer know as soon as you can after your injury. It’s best to do so within 24 hours if at all possible.
2. You caused your own injuries intentionally.
Another reason you might have a denied claim is if you caused your own injuries intentionally. If so, the insurance company may refuse to pay out.
3. You weren’t working when you got hurt.
If you weren’t on the clock when you got hurt, workers’ compensation may not be the right method for getting paid. Other options, like making a personal injury claim, could be better for you depending on the circumstances.
4. Your employer claims you aren’t injured.
Another time when your claim could be denied is if your employer disputes it. This will be noted on the denial, and you have an opportunity to appeal that decision.
5. You made mistakes on your paperwork.
Finally, if you make any mistakes on your claim, then you could have your claim denied. Make note of errors, so you can correct them with an appeal.
You have an opportunity to appeal a decision that isn’t in your favor
If you have a workers’ compensation claim denied, you have an opportunity to appeal that decision. You may want to look into your legal rights more closely, because there are deadlines and steps you’ll need to take to improve your opportunity to get paid out the benefits you deserve. It’s vital to appeal the decision quickly and with the appropriate documentation for the best chance of getting the denial overturned.