Not all Workers' Comp claims are approved. Several are denied due to being filed outside the required deadlines, while others may be denied due to insufficient or inaccurate information being included in the file. If you know why claims are often denied, it will help you avoid making the most common mistakes that will set you up for a denial. We have listed six such reasons for claims being denied here. Let’s discuss them.
If it is determined that the injury happened while you were away from your job and not performing any type of job-related task, your claim will be denied. If you travel for work and are considered to be “off the clock”, your Workers' Compensation claim can be denied, especially if the accident had anything to do with recreational activity.
If you have been injured at work or while performing a work-related task away from your place of employment, you are required to report the injury to your employer within a specific period of time. This deadline will vary from state to state. Don't wait to notify your employer of an injury. The sooner you file your claim, the more likely it is that your claim will be approved.
Any time you are involved in a work-related accident, you will be required to take a drug test. If it is shown that you were under the influence of drugs and alcohol at the time of the accident, your claim will be denied and your employment may be terminated.
If you have been injured on the job, you will need to go to a physician who is approved to provide treatment for work-related injuries. Most people choose to go to an emergency room to receive immediate care. Waiting to go to a health care practitioner who does not have the training or medical degrees needed to accurately diagnose your injuries may cause your Workers' Compensation claim to be denied.
If you filed a Workers' Compensation claim without going to the doctor at all, you will have no medical proof to back up your claim of an injury. If you do not go to the doctor to verify your injuries, your claim will automatically be denied. If you receive an injury, time is of the essence! Go to the doctor immediately to have all of your injuries verified.
If you file a Workers' Compensation claim without having an attorney who specializes in this type of law, you may not understand the process. This may lead to your claim being denied. If you have been injured in a work-related accident, contact a Workers' Comp attorney right away.
Filing a Workers' Comp claim and having it denied is frustrating. Contact the agents at CF&P Insurance Brokers right away to learn more about common mistakes and how you can protect yourself. We have agents who can guide you through the process.