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    7 Essential Tips On Filing For Your Workers’ Compensation Benefits

    By sbanderas | March 30 2021
    Categories: Blog,  financial tips
    220

    Workers who are injured on-the-job often find themselves at a loss when it comes to dealing with their injury and the proper steps they should take. And it’s not surprising – navigating the process of obtaining workers’ compensation benefits can be an intimidating process. In addition to your nerves and worries, you now also have the employer against you.

    Here are a few tips to guide you as you prepare to file your claim.

    Immediately Report Your Injury

    The first thing you should do after suffering an on-the-job injury is to notify your employer. You will need to provide your employer with a workers’ compensation claim form for the incident. This form will be used to details of your injuries and start treating you accordingly. 

    However, it’s important to note you are legally bound to report your injuries immediately after the incident. Delay in doing so could lead to no guarantee that you will be compensated for your current or future medical expenses. In some states, it can also put an end to any disability benefits you may receive in the future.

    Get Prompt Medical Treatment

    At the end of your day, you will need medical treatment. This should be one of your first steps. Find out what injuries, if any, you sustained and determine which ones need attention. Your employer is required to have workers’ compensation insurance and cover all of your medical costs as a result of an on-the-job injury, without question. You must get prompt medical treatment because it is someone alive that can file a compensation claim.

    Be Prepared for Your Independent Medical Examinations

    Many injured workers are unaware of how important their Independent Medical Examinations (IME) are in determining whether or not they are awarded workers’ compensation benefits. The truth is a lot of people don’t realize that IME is one of the most important parts of the entire claims process. 

    Although your attending physician and your employer might both be sympathetic to your claim, they aren’t the ones who ultimately decide whether or not you are awarded your benefits. Rather, a workers comp judge makes that decision based on medical records from your attending physicians and information provided by any independent medical examiners who examined you.

    Keep Detailed Records

    Filing a claim for your workers’ compensation benefits is no joke. It should be treated as a serious matter, so you want to make sure that you are protecting yourself and your rights when you file. Anyone can make mistakes during the process, which makes it even more important that you are cautious and thorough especially with everything that has to do with your claim. 

    Keeping track of medical bills, doctor visits, hospital stays and any other expenses that have arisen from your injury will be extremely helpful if an insurance company tries to delay or deny your benefits.

    Make Sure Your Claim is Filed Properly

    Filing for your workers’ compensation benefits can be a daunting task. It involves paperwork, extensive documentation and may require you to report everything you do or experience during your illness or injury. To get the maximum amount of compensation for your injuries, you must have a good understanding of the workers’ compensation rules and regulations in your state.

    Consider Hiring a Workers’ Compensation Lawyer

    The process of filing for your workers’ compensation benefits can be a complicated, overwhelming experience. Workers’ compensation insurance is offered in every state by legislation to ensure that employees receive immediate medical benefits if they are injured while on the job. Understanding every step in the process can be challenging, especially with so many resources available, each of which contains different information. 

    There are no guarantees you will be able to implement whatever you get from these resources, which is why you should consider seeking the counsel of a lawyer to help you get your benefit. According to stewartlawoffices.net/north-carolina-workers-compensation-lawyer/, most employees may lose their claim because of ignorance. This ignorance could be not filing the right document, or not knowing how to deal with insurance companies.

    Attend All Scheduled Legal Proceedings and Appointments

    One of the most important things you should do is attend all of your scheduled hearings and appointments. The first thing is to ensure that your claim is viewed as legitimate. If you miss any hearings or appointments, it can easily be construed as being lazy or simply not caring about your health and/or job. 

    It’s also crucial to remember that your employer has lawyers working for them for free. You, however, are not entitled to free legal representation if you cannot afford it (unless you have a Union). The lawyers they hire will ensure that the insurance company doesn’t payout on a bogus claim.

    When you are injured at work, you may experience stress and frustration. Workers’ compensation is a way for injured employees to get the care they need to heal and come back to work, but there are no assurances that claims will be recognized or that adequate compensation will be provided. To guarantee that the Workers’ Compensation Board offers you the benefits you are entitled to under the law, seek the assistance of an attorney.