If you find yourself unable to work for an extended period of time after
an on the job injury, one of the best ways to support yourself and your
family is to file a workers’ compensation claim. However, if you’ve
never filed a claim before, you may be unaware of the potential obstacles
you may face and the different way your insurer will seek to limit your
payout or deny your claim.
Fortunately, by following a few simple steps, you can make sure that your
claim goes through and you receive your benefits. Learn the steps you
need to take to make sure you’re paid your California workers’
compensation and get advice for fighting a denial with legal help.
The Importance of Medical Treatment
The first thing on your mind after suffering a workplace injury is often
what medical treatment you’ll need to recover from your injury.
What you might not realize, however, is that seeking medical treatment
is also one of the most important things that you can do to ensure that
you receive your workers’ compensation benefits.
Undergoing a medical examination will both show that you're dedicated
to your recovery and will provide value evidence if the workers’
comp insurance company decides to challenge the severity of your injuries.
Be aware, however, that you need to follow your doctor’s treatment
recommendations to the letter. Anytime treatment is discontinued, it can
be a sign to the insurer that your injury was not severe enough to deserve
California workers’ compensation.
If your workers’ compensation drags their feet on your benefits or
outright tries to deny your claim, you will need a large amount of evidence
to prove your case, which means you need to document absolutely everything
related to your workplace injury.
First, you must be certain that you’ve notified your employer of
your injury as soon as it has occurred, as well as your intention to file
a workers’ compensation claim. Waiting even a day to report your
injury can cause your claim to be denied.
Second, you should record every piece of information about your accident
possible. Picture evidence, statements from eyewitnesses and a detailed
report of how and when you were injured can all be invaluable if you have
to fight your insurer for your benefits.
Hiring an Attorney to Deal with the Insurance Company
While attempting to receive workers’ compensation benefits, it’s
likely that you’re going to have to interact with your insurer,
which proves stressful for many people. If you’re worried about
dealing with your workers’ compensation insurance company, it’s
a good idea to consult with a workers’ comp attorney.
For example, a good attorney will understand the importance of giving
consistent statements to your insurer, as well as the necessity of giving
limited access to your medical records. Also, having an attorney present
is vital if your insurance company has requested a recorded statement.