What to do about a denied workers’ compensation claim

If you suffer a workplace injury and are unable to return to your position in the near future, you will want to file a claim for workers' compensation benefits.

Despite the fact that you hope to receive your first payment in the days or weeks to come, there is no guarantee that this will happen. Unfortunately, it's possible that your claim could be denied.

Here's the good thing: Just because you receive a workers' compensation denial letter does not mean that you will never obtain benefits down the road. It simply means you need to learn more about filing an appeal.

Here are the top steps to take when appealing the denial of a workers' compensation claim:

  1. Contact your insurance company. In many cases, such as a minor mix-up, this is all you need to do in order to make things right. For example, you may be able to clear the air by providing additional documentation or adding a signature to an important document.
  2. Provide new or additional information to your insurance company. If there is anything else you can provide to strengthen your case, now is the time to do so. You want the insurance company to have all the information necessary to make the right decision.
  3. File an appeal in the appropriate manner. The appeals process differs from one state and insurance company to the next, so make sure you know what you need to do.
  4. Evidence is key. Any evidence you can collect, such as proof that you were injured on the job, is something you should provide to the insurance company. This may be all you need in order to tip the scales of justice in your favor.

Along with the above, there is one last thing to consider: consulting with a workers' compensation attorney. It's not always simple to deal with a denial, as you never know what steps to take or how the other party will react.

When you work closely with an attorney, you don't have to guess if you are making the right decisions. You know up front that everything you are doing is in your best interest. This puts you in the best possible position to begin receiving benefits without further delay.

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