Workers’ Compensation Insurance helps employees seek compensation for lost hours and cover medical costs incurred due to an injury while doing their job or an illness developed because of the job. However, the claiming process isn’t as straightforward as it appears and sometimes, a fundamental mistake could ruin your case.
Here are three mistakes to avoid when making a claim for workers compensation:
- Failing to report the accident
It’s crucial to report any injury or illness to your immediate supervisor. It is not enough that you discuss it with your colleagues. Report the injury as soon as it occurs, or it may be difficult for you to explain details related to the injury later. Also, make a note of any discomfort, however minor, while working. Even a slight exposure to a hazardous material or a seemingly small incident can cause a lot of health problems in the future. The longer the delay, the more you allow insurance attorneys to challenge your claim. If it’s a nonemergency situation, go to the doctor recommended by the employer or your bills may not be covered. Of course, if it is an emergency situation, seek help immediately..
- Forgetting to get a witness to record a statement
Insurance attorneys try every possible trick in the book to avoid a payout.One of these is by challenging your version of the events in court. Get a witness to file a statement about the accident. It’s easy to challenge the worker’s version of the events, but not when co-workers have filed statements about the events leading to an accident.. Speak to a workers compensation lawyer for advice if you aren’t sure about the process.
- Waiting too long to make a claim
Ideally, the employer is responsible for reporting the accident to the Workers’ Compensation Commission. But if they haven’t (for whatever reason), you may have to file a claim before the deadline. Generally, claims due to an injury have to be filed within two years of the date of the accident. Claims for occupational diseases should also be filed within two years after you’ve been notified of the diagnosis.
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