Cornerstone Insurance Agency Blog
Workers’ compensation ensures employees will have access to medical care. As well as other necessities when injured at work. If you're an employee and concerned about job and occupational injury, this is for you. Learn about the most common mistakes that can affect your claim.
Workers Don't Notify Their Employers On Time.
Injuries at work should be reported right after the event. If you fail to notify your manager or employer on time, your claim may be affected or become delayed. Also, delaying the report makes it more difficult to demonstrate or describe what happened. And this can contest or deny your claim.
Any Inaccurate Information on Your Claim
Any misrepresentation of your claim will result in the denial of your claim. Your employer and authorities may investigate the matter. And if you're caught lying, you can face fraud charges and possible jail time. So whatever happens, never omit, change or misrepresent any information on your claim.
Not Providing The Correct Information or Requirements
Always check if you have complete requirements before submitting your claim. Usually, delayed claims or denial could be due to missing documents, such as medical certificates, signed copies, etc.
If you're unsure about the requirements for your workers' comp claim, communicate with your company. Consult the HR, employer, or insurance representative.
Inability To Follow Professional Medical Recommendations for Treatment
Among the common reasons why claims are denied is the inability of an employee to follow recommended treatment. There are many reasons why this may have happened.
First, an employee may be told to consult with a doctor that he's not comfortable with. Also, if an employee is skeptical about his diagnosis or wants to get a second opinion.
As an employee, you may also be unaware that he must complete treatment. You must follow the doctor's recommendations to get fully compensated.
Worker’s compensation is required in many states. Different states may have specific rules about coverage and how to file claims. Don't hesitate to talk to your HR or manager about your workers' comp coverage and how to file for a claim.
At Cornerstone Insurance Agency, we do our best to ensure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (888) 661-8831 or Click Here to request a free quote.