Why was My Workers’ Compensation Claim Denied?July 3, 2019
If you are injured at work, you may be concerned about how you are going to pay for your medical bills, as well as other household expenses if you are unable to return to work for a long period. Fortunately, Workers’ Compensation benefits provide financial relief, including medical expenses, lost wages, physical therapy, and vocational rehabilitation for employees who suffered a work-related injury. However, there are instances when a claim may be denied, which could jeopardize your financial benefits. A skilled and experienced Workers’ Compensation lawyer will help you with the claims process and ensure that you receive the benefits you deserve.
Reasons for a Workers’ Compensation Claim Denial
Any time a worker is injured while on the job, they are eligible to collect Workers’ Compensation benefits. However, insurance companies will often look for reasons to deny a claim if it will save them money. While there are some situations where an insurance company is justified in denying a claim, these can be avoided with the help of a Workers’ Compensation lawyer. The following are examples of common reasons for claim denials:
- Missed deadlines. It is crucial that you report your work-related injury to your supervisor as soon as possible. After reporting the accident, you will need to file a Workers’ Compensation claim within 60 days of the accident. If you miss this deadline, it is likely that your claim will be denied.
- Disputes over whether the injury was directly related to your job. Your employer or the insurance company may argue that the injury was not work-related, or that you were involved in misconduct at the time of the accident. To prove that the injury occurred while you were on the job, it is important that you collect as much evidence as possible to support your claim.
- Your injury or health condition does not meet state guidelines. In some states, Workers’ Compensation does not cover things such as cumulative trauma or psychological conditions. Or, your injury may not be severe enough to warrant receiving Workers’ Compensation benefits.
- You filed the claim after leaving your job. If you filed a claim after you quit, were laid off, or fired, the insurance company will likely deny your claim. However, there are some exceptions to this rule. For example, if you were fired because you reported a workplace injury, this is illegal, and you can contest the denial.
If your claim was denied, it is highly recommended that you retain legal counsel to help you navigate the appeals process. From requesting a hearing to filing an appeal with the local Circuit Court, an experienced Workers’ Compensation lawyer will work closely with you to protect your rights and reach a successful settlement.
Baltimore Workers’ Compensation Lawyers at LeViness, Tolzman & Hamilton Advocate for Injured Workers
If you were injured at work, and you have questions about your claim, do not hesitate to contact the Baltimore Workers’ Compensation lawyers at LeViness, Tolzman & Hamilton. We will walk you through every step of the claims process and ensure that you receive that maximum financial benefits you deserve. To schedule a free, confidential consultation, call us today at 844-556-4LAW (4529) or contact us online. Located in Baltimore, we serve clients throughout Maryland.