Cornerstone Insurance Agency Blog
Workers’ compensation insurance companies are always looking for a way to minimize the amount that they have to pay on claims. However, if you get injured while you are on duty, then you are entitled to receive the amount and benefits you agreed beforehand. You are entitled to this until you are ready to get back to work. Here are some things to do to make sure your workers' comp gets paid.
Report the Injury As Soon As You Can
Workers’ compensation laws require work-related injuries to be reported within 30 days or less. Do not wait until the last moment before reporting your injury. Workers' compensation insurers will generally deny claims if the injury is not reported early. If you get hurt, report it immediately to your supervisor. Ensure too that the supervisor says it to the insurance company.
Work With Witnesses and Medical Treatment
If anyone has witnessed the injury or accident, get their names, or if possible, make them sign a written statement as proof. If you get hurt at work, go to a doctor immediately. In case of an emergency, ask to be taken to a local emergency room or clinic. Insurance companies will assume that you were not hurt that much if you did not seek immediate medical assistance.
Explain How You Got Hurt
Insurance companies will deny claims in case your initial medical records do not precisely describe the injury and the accident. You should do your best to explain the injury and make sure that you say that it happened at work. It is also possible that repetitive motions or working long hours could have caused the injury. The most important thing is to have everything documented by the doctor.
Process Documents Well
Fill out accident report forms with accuracy. Make sure that your version of the accident to your supervisor and to the doctor are the same. If they happened differently, that will hurt your case and may have your claims rejected. Also, sign an authorization that will allow the insurer to have access to your medical records.
Some Final Words
Make sure that you attend your medical treatment in order to express the severity of your injury. Do not miss any of your medical appointments or the insurer will think that yours is not a severe case. In any case, you should have a lawyer that can help you clear things up. The most important thing is that you get the benefits that were promised to you on your workers' comp insurance policy.
At Cornerstone Insurance Agency, we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at (888) 661-8831. Get your free quote today by CLICKING HERE.