An injury sustained at work can be upsetting, frustrating, and expensive. By paying for medical bills and lost income, workers’ compensation aims to support injured workers’ recovery while maintaining their means of survival. However, submitting a workers’ compensation claim can be a challenging process. Simple mistakes can delay benefits, reduce compensation, or even result in a denial. If your claim has been denied or delayed, turning to an experienced firm like Fendon Law can help you navigate the process and secure the benefits you deserve. Knowing what pitfalls to avoid ensures that your claim has the best chance of success.
Failing To Report The Injury Promptly
One of the most common mistakes employees make is waiting too long to report their injury. Many workers hope the injury will heal on its own, or they worry about upsetting their employer. However, most states have strict deadlines for reporting workplace injuries, sometimes as short as a few days. Failing to notify your employer in time may cause your claim to be rejected.
Tip: Always report any workplace injury, no matter how minor, as soon as possible. Early reporting also strengthens your case by creating an official record of the incident.
Not Seeking Immediate Medical Attention
Delaying medical treatment is another costly error. Some employees try to “tough it out” and only see a doctor if the injury worsens. Unfortunately, this gap can give insurance companies grounds to argue that the injury wasn’t serious or wasn’t related to work.
Tip: Seek medical attention immediately after the injury. Follow the doctor’s treatment plan closely, attend all appointments, and keep records of your visits. These documents are essential supporting documentation for your assertion.
Providing Incomplete Or Inaccurate Information
Workers’ compensation claims require detailed and accurate information about how the injury occurred. Leaving out details, giving vague descriptions, or making mistakes in the paperwork can raise red flags. Insurance adjusters may use these inconsistencies to question your credibility and deny your claim.
Tip: Be honest and thorough when describing the injury, the circumstances, and its impact on your ability to work. Keep copies of all forms you submit.
Ignoring Employer’s Procedures
Most employers have specific processes for handling workplace injuries, including designated doctors or required forms. Ignoring these procedures—such as visiting a non-approved medical provider—can complicate your claim and delay benefits.
Tip: Familiarize yourself with your employer’s policies for workplace injuries and follow them carefully. If you’re unsure, ask your HR department or supervisor for guidance.
Continuing To Work Against Medical Advice
Some employees return to work too soon, either because they feel pressured or because they need income. Unfortunately, working against medical advice can worsen injuries and undermine your claim. Your benefits may be reduced if insurance companies contend that your injuries are not as severe as you allege.
Tip: Follow your doctor’s recommendations strictly. If you are cleared for light duty, stick to the restrictions. Document any work assignments that violate your medical limitations.
Not Keeping Proper Documentation
Workers’ compensation cases often hinge on documentation. Without the proper paperwork, it becomes difficult to prove the severity of your injuries or the expenses you have incurred. Missing medical bills, pay stubs, or communication records with your employer can weaken your case.
Tip: Keep an organized file that includes medical records, wage statements, correspondence with your employer, and notes about your injury and recovery.
Handling The Claim Alone
Many injured workers believe they can manage the claim process on their own. While this may be true for straightforward cases, more complex claims often involve disputes with insurers or denials that require appeals. Without legal knowledge, employees may miss out on benefits they are entitled to.
Tip: If your claim is denied, delayed, or complicated by preexisting conditions, consulting a workers’ compensation lawyer can make a significant difference. They understand the system and can advocate on your behalf.
Conclusion
It’s not always easy to file a workers’ compensation claim. Mistakes like delaying medical care, failing to report injuries on time, or providing incomplete information can jeopardize your benefits. By avoiding these errors, keeping thorough documentation, and seeking professional guidance when necessary, you can protect your rights and ensure you receive the support you need during recovery. Remember, workers’ compensation exists to help injured employees—taking the right steps ensures you get the full benefits you deserve.
