No matter how hard you try, a workplace injury could sneak up on you at some point. If this happens, you should immediately turn your attention to your health. This typically means receiving medical care to better understand your injury, treatment schedule and long-term prognosis.
As you consult with your medical team, you’ll garner a better understanding of what the future will bring. For example, you may realize that your injuries will keep you away from work for the time being, thus making it difficult to earn enough money to support yourself (and maybe even a family).
If you find yourself in this position, filing a workers’ compensation claim is something you should consider. While the process of doing so is simple enough, there’s no guarantee of an approval. In fact, you shouldn’t expect to receive benefits until the first payment arrives.
Will you receive a denial letter?
You hope this doesn’t happen, but don’t be surprised if you receive a workers’ compensation denial letter. Some of the more common reasons for this include:
- Injury was not reported to your employer in time
- You did not receive medical treatment for your injury
- You did not file a workers’ compensation claim in time
- Your employer disputes the claim that you were injured at work
- You are suffering from a non-compensable injury
All of these things can get in the way of your receiving workers’ compensation benefits in a timely manner.
What comes after a denial?
There are only two options if you receive a denial letter: File an appeal or let it go and consider other ways to stay afloat financially.
You don’t want to give up until you exhaust all your options, so take the time to learn more about the appeal process. This will help you understand your legal rights and the steps you can take. In some cases, supplying more information, such as medical records, is all you need in order to have the original decision overturned.
Even though you hope to receive a workers’ compensation claim approval in a timely manner, don’t expect this to happen. If you receive bad news, read your denial letter from start to finish and decide what to do from there. This will go a long way in putting you on the path to protecting your rights.