Did you suffer an injury at work? Are you unsure how to navigate a workers’ comp claim? You aren’t alone.
The term “workers’ comp” can sound a little cold and impersonal. But it’s a very real part of life when you work. In fact, both the federal government and state agencies strongly encourage workers to report injuries when they occur.
But for those in unfamiliar territory, reporting an injury can feel overwhelming. That’s why we created this list of things to avoid when you report your workers’ comp claim. Keep reading to learn everything you need to know.
Table Of Contents
What Is a Workers’ Comp Claim?
A workers’ compensation claim is a type of insurance claim. It is specifically for those who get injured, contract an illness, or experience a medical condition as a result of their work. Workers who suffer a workplace injury or illness can pursue compensation for medical expenses and other damages.
This form of insurance provides financial protection to both the employer and employee in the case of a workplace injury. Coverage typically depends on the specifics of the policy.
The workers’ comp claim process involves submitting an application and providing the required documentation. As with any insurance claim, there are requirements and potential roadblocks in the process. So it’s important to understand the process before filing a claim.
3 Common Mistakes to Avoid When Filing
When filing a workers comp claim, there are multiple common mistakes to beware of. Below are three of these mistakes and how to avoid them:
1. Not Documenting the Injury
Accurately documenting the date, time, and circumstances of the injury as soon as possible after it occurs is crucial. Records should include detailed information regarding the injury. You should also have notes from any doctors’ visits and medication or treatments prescribed.
Salvaging documentation after an injury has occurred can be very difficult, so it is important to act right away. Diligently recording important elements of the process will strengthen your case.
2. Not Knowing the Deadline
Many states have a strict statute of limitations, meaning the court can bar any claim not made within the allotted timeframe. This time limit varies by state, so it is important to know when the time begins and must be aware of when it ends.
In some states, workers must report their injury and file a claim within 30 days, while other states require filing to be within one year. Remember that even if you could prove you got injured on the job if your claim does not comply with the time limit, a court will deny it.
3. Not Having Legal Representation
During filing, claimants are facing an insurance company with a team of knowledgeable attorneys. These attorneys have a deep understanding of the laws surrounding this type of claim.
Therefore, you should never file your claim without the help of workers’ compensation lawyers. They will guide you throughout the process with your best interest in mind.
Get the Compensation You Deserve
Filing a workers’ comp claim should be taken seriously. So document everything. Don’t forget the deadline. Always seek legal advice from an experienced attorney.
Don’t take your rights for granted. Take action now and contact a professional if you have questions.
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