Workers’ compensation benefits exist to provide employees with the resources they need to get back on their feet after an injury that occurs during the course of their duties. If your company’s insurer denies your claim, however, it can be difficult to determine what your next steps should be.
There are a few common reasons that your claim might meet with denial, many of which are avoidable by following best practices after your injury. By being aware of these common circumstances, you can take the best action toward securing the compensation you need.
1. Untimely submission of compensation claim
It is good practice to report an injury to your employer as quickly as possible, and you should file a claim with the Maryland Workers’ Compensation Commission within 60 days of the incident to receive the full compensation you deserve. Your claim will be completely invalid if you attempt to file two years or later after the time of injury.
2. Insufficient proof that injury is work-related
Not only do you need to provide proof of injury when filing a claim, but you also must prove that the condition is work-related. Be sure to include any evidence and documentation you have on-hand, including medical records or witness accounts from your colleagues.
3. Errors or contradictions in the claim forms
Double-check your claim forms to ensure that all information is accurate and error-free before submitting. You should also verify that your explanations of your injury and the events surrounding it are factual and do not contradict any other documentation you provide.
While there are valid reasons that an insurer might deny a workers’ compensation claim, there are also times when a denial is unjust. In these cases, you have the right to pursue legal action to secure the compensation you deserve.