Workers’ compensation benefits make it possible for you to recover from a work injury and pay your bills. However, some workers make mistakes when filing a claim that cost them big time. Do not let this happen to you. If you get hurt at work, it’s critical for you to understand your rights and take the necessary step to get the money you deserve. Here are some tips for getting the most out of your workers’ comp claim:
Be Aware of Available Workers’ Comp Benefits
Each state has their own rules for workers’ comp eligibility and amounts and it is important to educate yourself about the benefits that are available to you. It isn’t a good idea to rely on the insurance adjuster to explain your benefits to you because insurance companies are in the business of making money.
Get Medical Care Right Away
No matter what type of injury you suffered at work, you should see a doctor as soon as possible. He or she will take a look at you and decide on the best treatment. Delaying medical care can put your health at risk and give the insurance company another reason to deny your case. They may think that you aren’t truly hurt if you waited too long to get medical care.
Don’t Be Afraid to Go to a Different Doctor
You may have to meet with a doctor chosen by the insurance company in the beginning. However, this doctor might not have your best interests in mind because he or she may have been paid by the insurance company to minimize your injuries. If you don’t think you’re getting the best possible treatment, don’t hesitate to see a different doctor.
Be Weary of Private Investigators
If the insurance company does not think that you are being completely truthful about your work injury, they may hire a private investigator to follow you. For example, if you told the insurance company that you injured your back and you are seen working out at a gym, that could damage your credibility. It’s important to always be aware of your actions and never do anything that may contradict your claim.
Don’t Hesitate to File an Appeal
Employers deny workers’ comp claims all the time for various reasons. If your claim was denied, that does not mean you should give up. You have the right to file an appeal. To do this, you will have to file a written form with a state agency and then have a hearing in front of a judge.
Hire a Workers’ Compensation Lawyer
While it might not be necessary to hire a workers’ compensation lawyer all the time, it may be in your best interest if your employer denied you benefits or has ignored your claim.