American Eagle Insurance Blog
Whenever you hear news about workers’ compensation claims, there is usually so much hurt and unfairness on the part of the employers. The same thing goes with employees. Workers’ comp insurance must protect you from any work-related injury. You get paid to compensate for the lost income and to cover your medical expenses as well. However, there are usually problems with claims. Now, here are the solutions.
File Your Claims Early
Usually, you have a maximum of 30 days to file a claim. However, the best thing to do is to tell your employer about it as soon as you can. Verbal claims are not enough, so you need to follow it up with a formal written claim. If there is no form in your company for filing a claim, then type it up as long as you include the date, time, and the exact details of the incident. Also, get a copy of the response of the insurance company to your boss. Late claims are always not entertained.
Clarify Physician and Treatment Recommendations
The workers’ comp claim will only specify a few doctors that you can go to for your injury. In many cases, this is your only list of options. It means that if you insist on seeing your own doctor, who is not on the list, then the insurance policy will not cover the cost. Also, when it comes to treatment, certain recommended treatments are not covered by the policy. Also, do not exaggerate your symptoms and always follow the treatment procedure to the letter. Otherwise, your claim may be forfeited.
Get Proof and an Attorney for Retaliation Cases
In case your employer retaliates against you because of how much he has spent on you as compensation for your injury, then you need to talk to your attorney to discuss the matter. Retaliation may turn out difficult to prove so do not rely on witnesses but rather on detailed notes and solid proofs like salary deductions and demotion or termination. In some cases, there is harassment, change of schedule, strange disciplinary actions, and denial of promotion. It is best to record everything on paper or by audio.
Get a Lawyer
There are multiple denied claims by insurers. Thus, if you filed your claim early, and you had all the documents and requirements, but you were still denied, then you should get yourself a lawyer. This is also true if the insurance company thinks that you faked your injury even if you did not. Also, they may say that you are not an employee when in fact you are. Get a lawyer to straighten out the facts for them.
Some Final Words
Workers compensation claims can be very stressful and intimidating when it is your employer or the insurance company itself that do not want to fulfill their legally stated obligations. Follow the rules of the policy to the letter, or get a lawyer to solve the problem.
At American Eagle Insurance, 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 (225) 667-7377. Get your free quote today by CLICKING HERE.