When you arrive at work every day, you don't do so with the idea that you will suffer an injury. Instead, you take the approach that "safety comes first."
Despite your best efforts to remain safe at all times, there could come a point when you suffer an on the job injury. If this happens, you need to do three things:
- Receive immediate medical attention
- Report the accident and your injuries to your employer (don't delay in doing so)
- Learn more about the impact of the injuries on your future, such as your ability to work
If you are unable to return to your job after your injury, it's time to take a closer look at the workers' compensation system in your state. You should do so with one question in mind: Are you covered by workers' compensation?
There is a good chance that you will qualify for workers' compensation benefits, but here's something to remember: knowing whether you are covered can be more complex than it appears.
There are two factors that determine if you are in position to receive benefits:
- Whether you are an employee of the company
- Whether the injury was a result of your employment
Of course, even if both details work in your favor, there is no guarantee that you can begin to immediately receive workers' compensation benefits. There are other things that can come into play, such as an employer that argues that you did not suffer the injury while you were at work. This can slow down your ability to receive benefits.
In a perfect world, you would make a workers' compensation claim and begin to receive payments in the immediate future.
In the real world, there are reasons why this does not happen.
If you receive a denial letter, take the time to learn more about your situation and how to file an appeal. Along with this, it may be time to consult with a workers' compensation attorney. This person can review your injury and treatment and help you file an appeal.
You don't want to deal with the additional stress of an initial denial, but you have legal rights. You should never walk away when you have the right to receive benefits.