EDUCATION

9 Effective Ways To Get More Out Of Workers Compensation Claim

By: Kim Hemphry

About the Author:

Kim Hemphry is a passionate expert in the areas of Legal Matters, learning and education. She has been featured on over 50 leading Legal and education sites and is a modern thought leader in the field. More about her interests and articles on her site – http://kimhemphry.com/

 

As an employee, after sustaining a work injury, meeting most of your expenses is hard, and compensation is the only help you can count on. However, you might end up making mistakes that can lead to under-compensation. If you are looking to get more out of your Workers Compensation claim, here are some of the effective ways you can use to your advantage.

 

  1. Timeous medical attention

Always act as fast as you can and seek medical attention in the first instance after an injury. The timelines between the occurrence of the injury and treatment might lead to contention from the insurance company; therefore, the sooner, the better for you. In the worst-case scenario, delayed medical attention might lead to denial of your claim by the insurer.

 

  1. Report the injury to your employer

Your employer deserves to be aware of the injury. Some States have regulations on the timelines within which an injured employee can make a report. To avoid cases of denial of the injury, ensure your employer is aware and do it within the set timelines.

 

  1. Seek independent medical attention

A doctor employed by an insurance company often acts in the interest of the insurance company. For example, the insurance company’s doctor might document a fracture as minor soft tissue injuries; such selfish acts can lead to meager compensation for severe injuries. Seeking independent medical attention will help you have treatment notes that will corroborate the actual injuries suffered.

 

  1. Be aware of your benefits

Most of the worker’s injury benefits are state-regulated. The amounts you receive are as stipulated by your state hence giving you some level of transparency on what benefits to expect. Always inform yourself about benefits for permanent or temporary disability, treatment, mileage e.t.c; being aware of what you deserve will always work to your advantage.

 

  1. Adequately prepare for the Independent Medical Examination

After treatment and possible recovery, the insurance company might require an Independent Medical Examination, also known as an IME. Failure to attend an Independent Medical Examination might cause termination of your benefits. Before you attend an Independent Medical Examination, ensure that the medical records within your custody are detailed, and some crucial aspects of your injury are well known to you because your responses to the IME will form part of the final medical report.

 

  1. Be aware of possible surveillance

Always remember an insurance company can go far and beyond in ensuring your claim is terminated. If you are wondering how far an insurance company can go, well, as far as monitoring you using the services of a private investigator. The intention is to catch you conducting yourself outside the recorded claim. For example, if you claim to have suffered permanent disability on your arm and you are seen swinging your arm, the insurance company might contend your claim. Always consult with an attorney during your compensation process to receive legal advice on how you can counter the insurer’s snoopy acts.

 

  1. Keep all records safe

Loss of a single receipt from the purchase of medication can bring down your compensation amount. Every document you obtain along the way as you treat your injuries should be well guarded. If there are any letters from your attorney to the employer, keep them too.

 

  1. Appeal

Filing your compensation claim does not mean automatic payment of your benefits. Always be aware of the motive of insurance companies, any chance they get of denying you your benefits will always be obsessively pursued. To ensure you get your benefits, you have a right to appeal, and for an appeal to be successful, it has to be done within certain timelines. Therefore ensure as you do a follow up on your compensation, do so with the help of a lawyer since lawyers are aware of all important timelines in compensation claims.

 

  1. Hire a lawyer

Most people, at times, choose to follow up on compensation without legal help. If you compare the benefits they get to those the person working with a lawyer gets; the latter usually get the highest compensation possible. If you want to have a claim whose compensation is diligently negotiated hence maximum compensation, reach out to a lawyer today.

Ellen Hollington

Ellen Hollington is a freelance writer who offers to ghostwrite, copywriting, and blogging services. She works closely with B2C and B2B businesses providing digital marketing content that gains social media attention and increases their search engine visibility.