Filing a workers’ compensation claim should be straightforward, but insurance companies and employers often make the process more complicated than it needs to be. If you’ve suffered an injury at work, you deserve benefits that cover your medical bills and lost income.
However, missing a deadline, filling out a form incorrectly, or saying the wrong thing to an insurance adjuster can cost you. A workers’ comp lawyer in Abington can ensure you avoid costly mistakes and fight back against unfair denials.
A Brief Look at Workers’ Compensation Benefits
Workers’ compensation exists to protect employees who get injured on the job.
It covers medical expenses, earnings replacement, and other necessary benefits that help injured workers recover and return to work. You might assume your employer or the insurance company will handle everything fairly, but that’s not always the case.
Delayed payments, denied claims, and lowball settlements happen far too often. That’s why getting a workers’ comp lawyer involved early can prevent unnecessary stress and financial hardship.
Most states require businesses to carry workers’ compensation insurance. Even if an employer follows the law and provides coverage, it doesn’t mean they’ll support your claim.
Some employers dispute legitimate claims to keep their insurance costs down. Others pressure injured workers to return before they’ve fully healed. If an employer or insurer tries to minimize your injury, a workers’ comp lawyer can fight for the full benefits you deserve.
Filing the Workers’ Compensation Claim
Once you’ve reported the injury and received medical treatment, the next step is filing the claim. Some states require employees to submit the claim directly to the insurance company, while others require employers to handle the paperwork.
Either way, get everything in writing. Missing forms, incomplete paperwork, or minor errors can give the insurance company an excuse to delay or deny benefits.
If an employer refuses to file the claim or claims you’re not eligible for benefits, don’t take their word for it. Workers’ compensation laws exist to protect employees, not businesses looking to cut costs. A workers’ comp lawyer can review the situation, correct any issues, and fight back against wrongful denials.
Dealing With the Insurance Company
Once the claim is filed, the insurance company starts its investigation. Adjusters may contact you to ask for statements, medical records, or other details about your injury.
Be cautious about what you say. Insurance companies look for inconsistencies to deny claims or reduce benefits. Even something as simple as saying you’re doing better during a phone call can be used against you.
Sometimes, the insurance company might hire private investigators to conduct surveillance.
They’ll look for any reason to argue that you’re not as injured as you claim. If they see you carrying groceries or walking without difficulty, they may use it to deny benefits. A workers’ comp lawyer can protect you from unfair tactics and make sure the insurance company plays by the rules.
What to Do If They Deny Your Claim
Denials happen more often than most people expect. Some workers assume a denial means they have no chance of getting benefits, but that’s far from the truth.
Insurers base many denials on technicalities, missing paperwork, or disputes over the severity of an injury. Appealing a denial is possible, but it requires strong evidence and a legal strategy.
The appeal process varies by state, but it typically involves filing a formal objection and presenting evidence at a hearing. Medical records, witness statements, and expert testimony can all strengthen an appeal.
Insurance companies often rely on complex legal arguments to convince a judge to deny a claim. Without an attorney, it’s easy to get lost in the process. A workers’ comp lawyer can build a compelling case and fight against unfair denials.
Returning to Work After an Injury
Getting back to work after an injury can be challenging, especially if your employer pressures you to return before you’re ready. Some employers offer light-duty work as an alternative, but your condition may not accommodate that. If a doctor hasn’t cleared you to return, pushing yourself too soon can make the injury worse.
If an employer tries to force you back before you’ve healed, that violates your rights. Workers’ compensation laws protect injured employees from retaliation, but that doesn’t stop some businesses from using intimidation tactics.
If you feel pressured to return before you’re medically ready, a workers’ comp lawyer can hold your employer accountable.
What Happens If You Can’t Return to Work?
Some injuries are so severe that returning to the same job isn’t possible. Workers’ compensation benefits workers who can’t resume their previous duties, including vocational rehabilitation and permanent disability benefits.
Unfortunately, insurance companies don’t always approve these claims without a fight. They may argue that you can perform other work or dispute the severity of your condition.
If an insurance company tries to deny long-term benefits, push back. Permanent disability benefits help injured workers support themselves when they can’t return to their previous jobs. A workers’ comp lawyer can gather medical evidence, negotiate with the insurance company, and take legal action if necessary.
Please Don’t Try to Handle a Workers’ Compensation Claim Alone
Even though workers’ compensation laws exist to protect employees, insurers and employers don’t always follow the rules. If you run into roadblocks, don’t assume there’s nothing you can do.
The law is on your side; you don’t have to fight alone.
A workers’ comp lawyer understands the tactics insurers use and knows how to fight back. Whether you need help filing a claim, appealing a denial, or negotiating a fair settlement, having an attorney in your corner can make all the difference.
When your livelihood is at stake, taking chances isn’t an option. If you’ve been injured at work, contact an attorney to evaluate your case and ensure you secure the benefits you deserve. A workers’ comp lawyer will stand up to the insurance company and fight for the compensation you deserve.