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A workplace can often turn dangerous if there is neglect or carelessness on the part of the employer. In fact, most of these injuries occur in non-construction companies, contrary to what most believe it to be. In case you have been injured at your workplace and are looking to file a workers’ compensation claim, here is what you can expect once you have filed the claim.
To file for workers’ compensation, you must:
While filing for workers’ compensation is indeed an important step, there are a few more rules that you must abide by while filing for the claim. Failure to comply with any of these rules may lead to a backlash in your claim process and cause delay or a denial of the claim.
Here is what you must do if you have suffered an injury at your workplace:
Filing a workers’ compensation claim is just one part of a very lengthy process. Once you fill out the details, the claim is then sent to your employer, who also needs to fill out certain details and sign the claim. Only when both parties file the claim involved it is forwarded across to the workers’ compensation commission. These could either be part of the organization you work for or be employed by an insurance company.
Ideally, you keep a copy for yourself when you send the claim to the commission that would review your claim.
Once your claim is submitted to the workers’ compensation commission that looks after these claims for your employer, the claim will be reviewed by them. Here’s what would happen for each outcome.
If the commission accepts your workers’ compensation claim, the entire expense for the injury will be covered by the employer, from medical bills to your wages. In addition, once the approval is received, you will be provided medical care for the injury paid for by your employer.
If the commission denies the claim, you will be given a letter from the commission that states the reason for the denial. Of course, you can always contest their verdict to take the claim forward before the court.
More often than not, the disputes are resolved through arbitration. However, there are several reasons why the insurance carrier may deny your claim, refusing to provide the benefits owed to you. Some of these reasons include:
The final decision of whether your claim is approved or denied lies with the Workers Compensation Commission. However, you can approach the commission in case of a denial by sending them a letter stating that your claim is taken forward for a trial. Your workers’ compensation lawyer can help you through the process and point you in the right direction, along with ensuring that you have all the necessary data to get your claim approved during a trial before the court.
If you have suffered at your workplace, you must bring it to your employer’s notice at the earliest and find yourself a good workers compensation attorney who can help explain the way forward to you. In addition, ensure you seek immediate medical attention and find yourself a lawyer who has expertise in this particular domain.
You can also opt for a free claim review to help you understand how to go about filing your workers’ compensation claim.