ims aim Exceptions
What to Do When You’re Injured at Work Were You Hurt on the Job? Many employers and employees know what to do in the event of an accident. Unfortunately, even one misstep in the process could be the difference between being properly compensated and having your claim denied. Here are the initial steps you need to take to ensure you and your family are taken care of. Report the incident! In the event of an accident, you want to make sure your employer is notified. Notify your supervisor about the injury, and the way in which it occurred, as soon as possible. An injured employee who fails to inform his or her employer, in writing, within 30 days after the date of the accident causing the injury, may lose the right to workers’ compensation benefits. If there is no record of the incident, an insurance company could say that the situation never occurred and deny the claim, leaving you to handle medical costs on your own. Seek medical attention! Once you have reported the incident with your employer, if your employer has been authorized to participate in a Preferred Provider Organization (PPO) or Alternate Dispute Resolution (ADR) program, you may be required to obtain medical treatment from a participating health care provider. File your claim! While California law states that you have a year to file your claim and receive benefits, it’s better to file as soon as you are able to. The longer you wait, the more prone insurance companies are to investigating the incident further and looking for anything to deny your claim. Depending on the extent of the injury, filing your claim immediately negates a lot of worries that it will be denied.
entitled to some workers’ comp benefits. Visiting your primary physician after the incident can help determine if your preexisting injury had anything to do with your work injury.
Inconsistencies Between Your Accident and Medical Reports If an insurance company doesn’t want to approve
your claim, they could potentially point out any little differences between your accident report and your medical statement. If you tell your employer the accident happened one way and describe the incident to your doctor a slightly different way, it could make or break your claim. Make sure you’re able to recall the incident consistently with as little deviation as possible. If you can keep these factors in mind, you will be one step closer to having your claim approved without any issues arising. Unfortunately, there are other ways a claim can be denied, so if you want to learn more, don’t hesitate to reach out. You can call us at 833-722-9675 or visit our website anytime at PacificWorkers.com.
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These steps may seem intuitive, but neglecting even one of these steps can have a host of ramifications. Having a claim denied can take a toll on anyone. If you’ve had a claim denied or experienced any missteps in a work injury case, call us anytime at 833-722-9675 or visit us at PacificWorkers.com.
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