What to do if Injured on the Job

Not all companies are as happy to provide worker’s compensation (also known as workman’s comp in many states) to workers who have been injured while on the job. Anyone who is an employed worker of a company have the right for workman’s compensation benefit in n event that an accident during the time of work occurred and resulted to significant injuries. Despite workman’s compensation being a benefit of every employee, there are many ways a company can deny a claim, therefore it helps to know what to do to increase your chances of having your claim approved.

First thing to do is to have the accident reported immediately. Usually it only requires for 30 day or less, and if you think the injuries are enough to make you miss a day of work, you should report it immediately since this can increase the chances of acquiring the benefits faster. Next, part of the documentation of the accident is the gathering witness reports. Make sure that the witnesses’ names are listed. Then, seek medical help immediately, especially if the injuries are severe and call for medical attention. Most insurance companies will only brush off claims if the victim did not seek medical help, believing that the injuries were not serious enough to get treatment.

Another thing to remember is to make sure that the report fully and honestly explains the accident and how the injuries occurred. Put on paper that the accident occurred at work, and explain the incident as accurately as possible (although no need to elaborate), providing necessary details that could count as a factor to your injuries. This also means that you need to file and fill in the accident report forms carefully to avoid discrepancies; it is best to wait till you feel better and clear-headed so that you will be able to concentrate on the report. This also ensures that your statements are consistent and does not have any questionable information.

When the insurer asks for an authorization letter for copies of the medical records, check and make sure that the medical records and bills only pertain to the work injuries. Have a workman’s comp lawyer to advise you regarding other requests from the insurer, most especially a taped or recorded statement. Lastly, do not neglect your injuries and make sure to follow the doctor’s instructions regarding treatment, medications, and rehabilitation. Missing your appointment with your doctor can give the insurer the impression that the injuries were not that serious or that they have already healed, therefore would be the basis for terminating the workman’s comp benefits.

Workman’s comp or workers’ compensation benefit is a guarantee that the worker’s will be taken care of in an event of an accident along with ensuring that the company will not be facing any personal injury lawsuits from their workers. Being denied of workman’s comp could lead to financial distress, especially if you are not able to go back to work for a long time because of the injury. When an accident happen while at work that has resulted to a severe injury, it is best to consult a lawyer about your right for worker’s compensation to help assure that you will receive it.


2 Comments

  1. Workers’ compensation insurance is pretty useful as returning to work after suing your employer can be quite awkward for everyone involved.

  2. Your blog is improperly displaying characters when I use Ubunto with Google Chrome. Just thought you should know!

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