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Most people work in this country to provide financially for themselves and their families. While we all do different types of jobs, perform different tasks, and have different risk levels at our places of employment, all of us could be injured on the job. When you’ve sustained an injury at your workplace, you might be entitled to file a workers compensation claim.
Understanding What Workers Compensation Is
An Iowa workers comp lawyer explained to Avoid Infringement that workers compensation is a type of insurance that most states require employers to obtain. There are laws that regulate which employers must have it and what types of financial benefits are provided; however, most employers will be required to carry this type of insurance.
This insurance provides financial coverage for workers who are injured at work or because of their work duties.
In order to receive these benefits, you have to file a claim with the workers compensation insurance company. This sounds easy enough, but there are ways that you can harm your claim. Read on to learn how not to harm your claim, because no one wants to deal with a claim denial.
Tips on How-Not-To Destroy a Workers Compensation Claim
Below, here are some tips that can help you to receive the workers compensation benefits you’re after.
Workers compensation can be a great option for you to receive wage replacement benefits while you recover from work as well as financial assistance with medical bills.
However, if you miss the deadlines outlined in your state’s workers compensation laws, you could be denied coverage. Most states require you to notify an employer right away, but generally within a few months.
You are also given a relatively short time period to bring your claim, generally within a few years. Remember, don’t miss the deadlines.
Tip #2: Don’t Let Insurers Take Advantage of You
Workers compensation insurance companies deal with claims every day, but they don’t like paying out on claims. They obviously lose money when they pay injury victims, so they will avoid losing that money if they can. They might not tell you about important details of your case, or they may try to deny certain medical care, calling it “unnecessary.”
Make sure you know your rights so that you aren’t taken advantage of and so you don’t miss out on benefits you might rightfully be owed. An insurer could destroy your claim—don’t let them.
Tip #3: Don’t Try to Go It Alone
Consider hiring a lawyer. You don’t have to have a lawyer, but it can be helpful. Lawyers know the workers compensation claim deadlines, the laws, and they know how to deal with insurance companies. You might accidentally damage your claim by saying the wrong thing or filling out paperwork incorrectly. A lawyer might make a claim denial less likely.
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