Workers’ compensation insurance is a relatively comprehensive program. It applies to workers in all industries. Whether you work full-time or part-time and whether you have been at your job for 20 years or two hours, you can rely on coverage if you get hurt at work or develop a work-acquired medical condition like carpal tunnel syndrome.
Unfortunately, some workers who need medical coverage or disability benefits while they are off of work will receive a denial notice for their claim rather than approval. What are some common reasons for denied benefits claims?
Your employer doesn’t know about the issue
Workers’ compensation rules require that you report an injury to your employer promptly. The same is true of a diagnosis with the medical condition that you believe started at work.
You need to tell your employer in order to connect with workers’ compensation benefits. If you don’t report the injury or illness in a timely manner, that could be the reason why your employer or their insurance company tries to deny you benefits.
They don’t think it happened at work
Sometimes, when a medical condition or injury isn’t the result of a major workplace incident but rather the ongoing responsibilities you perform at work, your employer may not understand the connection between your condition and your work.
You may need to undergo a specialized evaluation or obtain more medical records to convince your employer or their insurance company that you need coverage for your workplace-related medical condition.
While applying for benefits can be difficult and stressful, appealing a denial can be even more challenging. Understanding the basics of workers’ compensation and your rights after getting hurt on the job can help obtain compensation.