When you experience an accident in the workplace, you know how difficult it can be to pick up the pieces and move forward. After all, you are dealing with injuries, medical bills and other needs, plus you may not be able to work. This can be an expensive and frustrating time for you and your North Carolina family. This is why you need to move forward with a workers’ compensation claim.
Workers’ comp benefits exist for the benefit of injured workers or those who became ill as a result of their work. Through a claim filed with your employer’s insurance, you can get the help you need to address some of your needs. Getting financial support is crucial, which is why it can be devastating when you learn that your claim came back denied. You may be frustrated, but there are still options available to you.
Reasons for denial
There are many reasons why an insurance company would deny a workers’ compensation claim. These companies are not concerned with your best interests, but instead, they are focusing on their own bottom lines. They will work diligently to minimize their financial obligation in claims, even if the claim is valid. Some of the most common reasons why these companies deny claims include the following:
- There is not enough evidence to suggest that your injuries or illness are a result of your work.
- Your employer is disputing the claim or challenging your reasons for filing the claim.
- You did not report your injury in enough time or file your claim within the appropriate window of time.
- There is insufficient evidence that you needed medical support for your injuries or illness.
Fortunately, a denied claim is not the end of the road for your efforts to secure workers’ compensation benefits. You can appeal, including additional evidence and documentation that can help support your claim.
Your rights as a worker
As an injured or sick worker, you have the right to seek support and help as you pursue a full and fair recovery. Through a workers’ compensation claim, you can seek specific types of assistance that can help you put the pieces back together and move forward. You can even get help as you return to work.
From the initial stages of completing the claims paperwork to dealing with a denied claim, you do not have to walk through the process alone. Many applicants find it beneficial to work alongside an experienced workers’ compensation attorney from the very beginning.