The denial of a workers’ compensation claim does not end your options for recourse. Worker’s compensation offers you protection for when you are injured on the job. However, it is not a perfect system.
Filing a claim is just the first step. Your claim could be denied, which may leave you wondering if you have any options. You do.
The first step is to understand why your claim was denied. There are many reasons a workers’ compensation claim could be denied, including:
- The injury was not work related, or there is little evidence that it was work related.
- A claim was not filed or not filed in time.
- You did not report the injury to your employer in a timely manner, or at all.
- The injury falls outside the parameters of injuries that are covered, or your employer disputes the specifics of the claim.
These are just a few of the many options for why a claim could be denied. The reason or reasons your claim was denied should be laid out in the denial letter you receive for your claim. Once this happens, you can take the next steps, which often means hiring an attorney.
A denial letter should lay out your options for appeal. You may be able to resolve your dispute with your employer or the insurance carrier, but if not you can file an appeal with the state. Be aware of deadlines for appeal.
It is important to know state laws when you are appealing to the state board. You should also have complete documentation of your injury, medical records and employment records. Any information you have could be helpful.
Workers’ compensation appeals are difficult, but if you are adequately prepared and know the process, you still have a chance to recover your losses.