Cornerstone Insurance Agency Blog
When legitimate claims get denied, employees find themselves going through lengthy processes to enforce their rights. Here are the reasons why claims get denied and how you can avoid it:
Report It Immediately
Among the reasons claims get denied is that claimants fail to report the injury right away. If you don't report the incident immediately, insurers might assume that you weren't injured. If accidents happen, gauge if the damage might require you to miss work and report it immediately.
Let People Know
It might be possible to get into accidents in the workplace without anybody else seeing it happen. What you can do in this case is make sure that your colleagues and supervisor know about the accident immediately. It is also crucial to be consistent with what you tell them about your injury.
Illegal Drugs Are Illegal For Many Reasons
It is unfortunate when accidents happen at work. However, it is not acceptable if the accident occurred because of illegal drug use. Insurers will deny claims if the emergency room attending to the claimant found the presence of prohibited drugs in their bodies. So, how do you prevent such a scenario from happening? It's simple. Don't do drugs.
Consistency Between Initial Medical Records and the Accident Report
Insurers look for consistency between the accident report and the initial medical record. These tell them that the medical records provide evidentiary support to the incident. It also helps them prevent giving in to illegitimate claims. So, make sure to be consistent in your narrative when reporting to your supervisor, colleagues, and the doctor.
If In Doubt, Ask Your Workers' Comp Lawyer
Insurers typically ask for medical authorization as part of investigating the workers' compensation claims. Understandably, you might be wary of providing such authority due to privacy reasons. But, if you don't give them access to your records, this can negatively impact your claim.
An excellent way to deal with this dilemma is to seek the help of a workers' comp lawyer. By letting a professional handle your case, you can push for a decision that you honestly prefer.
Workers' compensation can save employees from future financial difficulties if accidents prevent them from working. Knowing what to avoid in case of accidents at the workplace can increase the chances of an approved claim.
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.