Any worker can suffer an unexpected workplace accident that affects his or her life. Sometimes, this incident can cause permanent injuries or damages. Additionally, individuals who work with hazardous materials may develop diseases.
In both scenarios, suddenly, a worker might have to pay expensive medical bills while coping with physical pain. If the injury is severe, they may be unable to work again. An accident can permanently alter the present and future of a worker and their family.
Most U.S. workers are entitled to workers’ compensation, which covers their economic and health needs after an accident. Companies or employers are required to purchase insurance to cover these cases. However, workers must navigate a legal process to receive this compensation.
Also, an employer or the insurance can reject a worker’s claim under certain circumstances. When a claim is denied, the employee faces their illness without economic support. What are the legal options for the employee? Is it the end of the road?
Why can a workers’ compensation claim be denied?
First, it is necesary to review the denial letter, which outlines the reasons for the denied application. After reviewing it, applicants can understand why the insurance rejected the claim. There are many reasons for denial. Here are the most common:
- Late reporting
- Employer contests the claim
- Injury not related to work
- Incomplete documentation
- Injury is non-compensable
- Medical reports and claims filled out incorrectly
Receiving a denied application can be stressful. Victims of work accidents often see it as the end of the road. However, there are other legal options to consider.
What to do?
If the victim receives a denial letter, they still have the right to appeal and obtain compensation. They can fight back to obtain workers’ compensation. The employee or their attorney must initiate an appeal before the labor courts.
Adequate legal representation is advisable for the employee. Consider hiring an experienced workers’ compensation attorney. This professional can help meet deadlines, prepare documents, and gather information for your appeal.
