Over 40 Years Of Experience In Workers’ Compensation

Common reasons why insurers deny workers’ compensation claims

On Behalf of | Jul 1, 2024 | Workers' Compensation

A work injury can impact your health and finances. An accident at the workplace may jeopardize your employment and lead to a loss of wages.

If you sustain an injury at work, you may be eligible to seek workers’ compensation benefits. Through this process, you may earn lost wages and get financial support to pay for medical bills.

Unfortunately, some workers’ compensation claims may get rejected. This short blog identifies the most common reasons an insurance company may deny your claim.

Reasons to deny a workers’ compensation claim

One reason to deny a workers’ compensation claim is the damage or injury did not occur at work. Insurers may deny your claim if there are no witnesses to the event that led to the injury or if it happened while you are doing a recreational activity instead of a work-related task.

If it is also a result of a preexisting condition or happened during your break, you may get reduced benefits or not receive compensation.

Missing the deadline to file your application for benefits or report your injury may also result in the denial of your claim. While missing deadlines or late filing of relevant paperwork may seem insignificant, these are common reasons for claim rejection.

It is also essential to seek medical help immediately after getting a work-related injury to lower the risk of denial. If you skipped visiting a healthcare provider in the hopes that your injury would heal on its own, but it got worse over time, you may have damaged your chances of a successful claim.

If you decide to get the help of a medical professional, make sure to consult a doctor who is part of your insurer’s network of medical care providers. Otherwise, they may reject your claim for benefits.

Reducing the risk of denied claims

Consulting a legal professional may help you avoid committing these mistakes. With the help of an experienced attorney, you may file paperwork on time and establish your need for compensation due to your injury.