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Seven Tips for Receiving Compensation for Your Work Injuries
If you have been injured at work, you are likely to suffer from complications that extend beyond your physical injury. It is important to know that you are entitled to compensation and benefits for your work injuries that last until you are able to return to work. To reduce the chance of a wrongful denial of benefits or an early termination of benefits, follow these seven tips. With this guidance, you can ensure that your legal claim is successful, and you can receive fair compensation for your work injuries.
1. Report your work injuries immediately
If you are injured while on the job and you know you will miss work because of the incident, you must report what happened immediately. That way, you’ll comply with all state workers’ compensation regulations, and improve your chances of receiving benefits as soon as possible.
2. Collect names of all witnesses
If there were witnesses at the scene of your accident, be sure to get their full names and contact information. If there is a dispute about the facts of your case, you may need these witnesses to back up your claim and prove that you were actually hurt while at work as opposed to another location.
3. Get immediate medical treatment
If you are injured at work, you must see a doctor immediately. If youraccident caused an emergency situation, tell your supervisor or the people at the scene that you need to be taken to an urgent care clinic or your local emergency room. It is critical that you seek treatment immediately because if you do not, insurers may assume that you are not seriously injured or not at all.
4. Explain the details of how you were injured
When you talk to your employer about being hurt, describe all the details accurately. If you areinjured, but not suffering from a specific trauma, it is possible that repetitive overuse or stress caused your medical symptoms, and you should report the details of this. The workers’ compensation system and insurers place a great deal of weight on what you say when you first report an injury, so you need to be sure to describe all the details as accurately and consistently as possible in your initial report.
5. Sign the insurer’s limited medical authorization form
The insurance company may ask you to sign an authorization form to access your medical records. As long as the request only references the medical records that relate to your specific work injury, then this is a reasonable request. The insurer has the right to review these records, although you should seriously consider speaking with a workers’ compensation attorney first.
6. Do not give a tape recorded statement to your insurer
The insurer will probably ask you for a recorded statement describing your accident. In general, you should not give this statement unless you have spoken to a lawyer first.
7. Attend your medical appointments regularly
It is important not to miss your medical appointments and also to keep a record of all your treatment. Otherwise, the insurer may assume that your injury is not serious or has resolved, and may cancel your benefits.
Being injured at work doesn’t have to involve the stress of wondering when your compensation will arrive or worrying that your benefits will be canceled. Following these tips will ensure that your claim is valid and goes through the legal system without a problem.
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