Workplace injuries happen all the time – and they’re costly to both the injured workers and their employers alike. It’s estimated that workplace injuries cost companies in this country around $163.9 billion in losses every year.
As you can imagine, businesses and their insurers are eager to limit their losses, and that means that many valid workers’ compensation claims can be denied for frivolous reasons. While the system is supposed to be designed to help injured workers, sometimes the process doesn’t go as smoothly as it should. Here’s when it may be time to call in a professional:
1. Your claim was denied
It’s a gut punch when you file a workers’ comp claim, thinking you’ll get the help you need, only to have it rejected. Employers or insurance companies sometimes deny claims for reasons like late paperwork, disputes about how the injury happened or claims that your injury isn’t work-related. A lawyer can figure out what went wrong and help you appeal the decision.
2. Your benefits aren’t adding up
If your checks don’t seem to match what you’re owed or if you’re not getting all the benefits you expected (like covering all your medical bills), it’s worth a second look. A lawyer can ensure you’re getting every dollar you’re entitled to receive.
3. You’re getting pressured to settle up
Insurance companies love a quick settlement, but that’s seldom in your best interest. If you’re feeling pressured to sign your rights away on the dotted line before you’re ready – or before you even know the full extent of your injuries – stop and get legal advice first.
4. Your employer seems to be playing games
Maybe your boss is downplaying your injury, blaming you for the accident or refusing to file your claim. Red flags like these often mean you need someone on your side to stand up for your rights and fight the battle. Some workers face retaliation for filing a workers’ comp claim – things like reduced hours, demotion or even termination – which is illegal.
5. Your injury is serious or has long-term consequences
If your injury is life-altering or might require permanent changes to your work or daily life, your case will be more complicated. A lawyer can help calculate the long-term costs, like lost wages and future medical care, to make sure you’re covered.
Ultimately, the workers’ comp process can be confusing. Deadlines, paperwork and not knowing what compensation you’re really owed can get overwhelming fast. If you’re feeling lost and unsure what to do next, it’s time to bring in the appropriate legal guidance.