Workers’ compensation provides benefits for employees injured on the job. However, sometimes claims get denied. In Maryland, a denial can be frustrating, but workers can take steps to challenge the decision and protect their rights.
Review the denial letter
When a workers’ compensation claim gets denied, the first step is to carefully review the denial letter. The letter explains why the claim was rejected. Common reasons for denial include missing paperwork, insufficient medical evidence, or the claim not meeting the definition of a work-related injury. Understanding the reason for denial helps determine the best course of action.
Appeal the decision
In Maryland, workers have the right to appeal a workers’ compensation denial. To start the appeal process, file a formal request for a hearing with the Maryland Workers’ Compensation Commission. Workers must do this within 30 days of receiving the denial letter. The hearing allows both the injured worker and the insurance company to present evidence, and the Commission will make a decision.
Gather more evidence
If the claim got denied due to a lack of evidence, workers must gather additional documentation. This can include medical records, witness statements, or employer reports that support the claim. Strengthening the evidence helps prove that the injury is work-related and increases the chances of a successful appeal.
Stay informed about deadlines
Workers must meet strict deadlines in the workers’ compensation process, including time limits for filing appeals and submitting evidence. Missing a deadline can hurt the chances of overturning a denial. Workers should track all deadlines and submit all required documents on time.
Facing a workers’ compensation denial can be stressful, but workers can challenge the decision and secure the benefits they need. By reviewing the denial and following the right steps, workers can improve their chances of a successful appeal.