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Steps to Ensure Your Workers’ Compensation is Not Denied by the Insurer

  

An accident at work could result in some bumps and bruises or something far more severe, such as a life-altering injury that means you can never return to work. For injuries that require you to take time off work to recover, a workers’ compensation claim is essential. However, it can be a challenging process for novices.

Getting a workers’ compensation payout relies on you fulfilling procedures mandated by law. Having a successful claim is possible if you comply with the rules and follow these steps:

Report immediately

Manyinsurance lawyers listed on USAttorneys.com report that the most substantial challenge they face in securing a successful workers’ compensation claim is that employees do not report their injury to the employer straight away. Leaving it for a few days or a week can prejudice a claim as it is possible to prove you sustained the injury somewhere else.

Typically, employees have 30 days or less to report an accident and injury. But each day that you leave it, your odds of compensation success decline. After sustaining an injury that could cause them to miss work, employees must inform their supervisor. An incident report will then be logged, substantiating a workers’ compensation claim when it becomes necessary.

Eyewitnesses

Eyewitness accounts of an accident are compelling evidence in a workers’ compensation claim. Always ensure that you have the names and contact details of anyone who witnessed what happened. Their statements can be persuasive in a workers’ compensation claim as they can corroborate your version of events.

An eyewitness statement about what occurred negates any attempt to prove that an employee sustained the injury anywhere else than at work. Even more compelling than an eyewitness isCCTV footage, which cannot be disputed. If your employer has surveillance cameras, see if there is a recording of your accident to submit with a workers’ compensation claim.

Details

As the old saying goes, the devil is in the detail, and it certainly applies to a workers’ compensation claim. When explaining what happened, the employee should give a detailed account of events. A few sentences describing the incident will not be sufficient in most instances.

Instead of summarizing what happened, expand it into a detailed narrative that explains step-by-step what happened when the injury occurred. Every little detail is important and could be the determining factor in a successful workers’ compensation claim. A supervisor’s report should also focus on the minutiae of what happened and cannot be a half-hearted effort that does not thoroughly explain what happened.

Medical treatment

Many workers’ compensation claims are unsuccessful because the employee failed to seekmedical treatment for an injury immediately. If there is an incident and work where you get injured, see a doctor or report to an ER for an evaluation. Medical reports are an integral part of the paper trail of documentation that goes into a successful workers’ compensation claim.

Keep copies of any correspondence with medical professionals that arises out of an injury. This includes x-rays, blood test results, surgical reports, and bills. The latter is essential to determine how much compensation you are entitled to claim.

Get professional help

Filing a workers’ compensation claim is a long, technical process, and some professional advice might make things go more smoothly. Most insurance attorneys work on a contingency basis, meaning they do not get paid until the claim is settled.

Leaving the paperwork and negotiations up to an expert can unburden the injured party of this responsibility. Additionally, legal professionals know how to get a fair settlement covering past, present, and future costs caused by the injury.

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