While most employers need to hold workers’ compensation insurance, it does not mean that getting it is straightforward.
Employers can sometimes be difficult because they do not want to see their premiums rise. Insurers can often be obstructive because they know if they make things harder, some people will give up or accept a smaller claim.
Once you understand this, you can see how crucial it is not to make any silly mistakes that will give them grounds to deny or limit your claim. Here are some errors to beware of:
Missing cut off dates
You need to report the accident or injury to your employer within a specific time frame and file your claim within another specific time frame. Do not expect them to remind you.
Missing the chance to collect evidence
If you have your phone in your pocket, take pictures with it when an accident happens. Provided you can, of course. When people clean the site up, they may remove a vital piece of evidence that could help your case.
You do not need to show fault in a workers’ compensation claim, but occasionally an insurer may claim they do not need to pay because you caused the accident yourself. Any evidence that documents the situation as it really was can help you claim the benefits you are entitled to.
Not following the doctor’s orders
If the doctor tells you to rest and avoid strenuous activity, do as they say. Insurers often send private detectives out to track those who claim. If they see you doing something that looks like you have more strength or ability than the doctor says you should, they may claim you should be back at work sooner and do not need so much compensation.
Getting help to ensure you comply with all rules will maximize your chance of a beneficial outcome to your workers’ compensation case.
