If you are in the process of submitted a worker's compensation claim, you need to be prepared to fight for your right to your claim. When you file a claim, it is customary for your work place's worker's compensation company to make you prove the validity of your claim. Here is why your employer's worker's compensation insurer may fight back against your claim.
#1 Ensure That You Are Telling The Truth
It is important to realize that it is your employer's worker's compensation insurance company that is the one who is fighting your claim. Their entire job is to review worker's claims every day and determine if they are valid. That is not your employer's job, it is the job of their worker's compensation insurance provider. They see claims every day, and unfortunately, a lot of those claims are not true, which is why they make everyone prove that they are telling the truth.
This is especially true in cases that are not obvious. For example, if a box fell on you and three different people saw it and you immediately went to the hospital afterwards, your case should be pretty cut and dry.
However, if you have repeated strain to your wrist due to doing the same activities over and over which resulted in a stress fracture, your employer's worker's compensation insurer is going to require you to provide documentation of how often you did that activity, any doctor's appointments over the years, your doctor's diagnoses and perhaps even information about your personal hobbies as well.
Your employer's worker's compensation insurance company doesn't want to pay out for an injury that is unrelated to your job.
#2 Protect A Company's Investment
The second reason that your claim may be examined closely or even investigated is because your employer and the worker's compensation company need to protect their bottom line. If they grant too many worker's compensation claims, it will take away from their ability to make a profit as an insurance company. On the employer's end of things, it will increase their premium when you file a successful claim. Both your employer's worker's compensation insurance company and your employer have a vested interest in protecting them bottom line, which means making sure that every claim that is granted is legitimate.
The main thing to keep in mind is that your employer and their insurance company to not want to pay false claims; because of this, you are going to have to put effort into presenting your claim to show that it is a real claim that deserves to be processed. Consider working with a personal injury attorney to protect your interests.Share