Calling for Compensation: 4 Tips to Filing Your First Worker’s Comp Claim

| December 20, 2017 | 0 Comments

workers compensationIf you’ve been injured or developed an illness through your job, you may be eligible to file for workers compensation. Laws vary from state to state, but if you’ve never filed a claim before, know that there is always a chance that the insurance company, or even your employer, could deny your claim. Here are the steps to follow to be sure you get the benefits you deserve.

Report the Incident

If there was an accident that led to your injury, report it to your employer at once. Most companies will provide you a form to fill out spelling out the time, place, and description of what happened.

In the event you’ve developed a sickness or injury over time, such lung damage or carpal tunnel syndrome, you should report the problem to your company immediately following a doctor’s diagnosis. Most states have a definite window of time for reporting accidents, such as 30 days. Late reporting can automatically result in dismissal of your claim.

Listen to Your Doctor

One condition of collecting benefits is that you abide by your physician’s instructions. Failure to take medication, attend therapy, or keep scheduled medical appointments could be seen as grounds to terminate benefits.

You won’t be allowed to return to work without physician approval. It can also mean a longer recovery period that requires the insurance carrier to unfairly extend benefits.

Employer Responsibility

Your employer will submit your claim to their insurance carrier and your state’s workers compensation board. At times a physician may determines that your injury or ailment is work-related and advise you to submit a claim.

If your employer has some reason to reject it, you’re best advised to contact an attorney like Oxner + Permar, LLC or someone similar. Sometimes the process can be moved forward by filing a claim yourself with your state workers comp office.

Budget Yourself

On workers comp, you can expect to receive only about 66 percent of your normal wages. If you’re going to be out of work for weeks or months, start thinking about ways to reduce your living expenses.

Depression can also become an issue, so find ways to stay busy and keep positive. One upside is that it will motivate you to pursue a quick recovery so that you can back to a full-time income again.

Just be aware that fraud of any kind can get you in big trouble. Your main goals should be to get healthy and get back to work.

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