Having the misfortune of suffering an injury while you are at work can be a stressful situation as you may not know what to expect. Fortunately, most employers are required to carry workers' compensation insurance, which can protect employees in the event that they suffer serious injuries. However, those that have never had to file a workers' compensation claim might need to have the following few questions answered.
What Type Of Benefits Can You Collect From Workers' Compensation?
The costs of receiving treatment for a serious injury can quickly become staggering. However, if your workers' compensation claim is approved, you will not be required to pay for this care. Additionally, it may be possible for you to be granted a portion of your average wages while you are recovering. The exact amount will vary based on the requirements of your state, but this supplemental insurance can prove invaluable to those that are wanting to maintain a relatively comfortable quality of life while they recover from their injuries.
Will You Be Able To Choose The Doctor That Treats You?
After suffering an injury, you may want to be treated by your normal physician. However, the employer will likely be able to choose the attending physician during the early stages of your recovery. In instances where you will require prolonged care, it may be possible to file a petition to change your doctor, but you will likely need to show a legitimate reason for requesting this change.
Can Your Workers' Compensation Claim Be Denied?
Unfortunately, there is a chance that the employer or the insurance company could contest the validity of your claim. For example, it can be argued that you were directly violating instructions and safety protocols at the time of the injury. Additionally, these claims may be denied if you test positive for certain illicit substances.
When your workers' compensation claim is denied, you may need the services of an attorney with experience handling workers' compensation claims. Your attorney will be able to help guide you through the process of filing an appeal for your claim. By gathering evidence that supports the argument that you were acting in good faith to complete your job duties, it may be possible for your appeal to be approved.
Needing to file a workers' compensation claim can be a stressful experience if you have never been through this process. By understanding the types of compensation these claims can receive, the fact that you may not be able to choose your doctor and the need to hire an attorney if your claim is denied, you will be better prepared to ensure your rights as an injured worker are protected.Share