Denied Workers’ Comp? 5 First Steps to Appeal
When you’re injured at work, you expect workers’ compensation to cover your medical expenses and lost wages. Sometimes, however, the insurance company denies your claim.If you’re denied workers’ comp, the insurance company may have a legitimate reason. Maybe you didn’t report the incident within the given time frame, or there isn’t enough evidence that your injury or illness resulted from your work. Sometimes, though, the insurance company may deny a claim for no obvious reason. Fortunately, there are steps you can take to appeal the denial and try to get compensation.
Contact the Insurance Company
Start by getting in touch with your insurance company and ask why you were denied workers’ comp. The reason may be as simple as a mistake in your paperwork.With minor errors, you can fix the problem with a phone call or by filling in missing details. Talking directly to the insurance company helps you understand whether the denial was for the insurance company’s benefit or due to a genuine lack of information.
Ask the Insurance Company to Reconsider
Once you contact the insurance company, you can ask them to reconsider their decision. New information that you or your employer didn’t previously provide could mean the difference between you getting workers’ comp and having to take further action to appeal.
Collect Paperwork for an Appeal
As with your initial claim, you’ll need to gather the appropriate paperwork for your appeal. That includes paperwork for different types of claims. You should also document additional information the insurance company may not have regarding your injury.
While you’re compiling paperwork, you should also gather evidence to support your claim, especially if insurance denied you for insufficient proof of injury. This may include medical records or diagnoses from your doctor.
Contact an Attorney
At Helbock & Nappa we can guide you through the process of creating an organize appeal. We can help you gather paperwork, collect evidence, and ensure you have everything in order. We know what insurance companies require to approve your claim, and can advise you as you navigate your case, helping increase the odds that you’ll receive the income you need until you get back on your feet