The role of workers’ compensation is to help you recover through financial assistance. This includes paying for your medical bills, lost wages and, in some cases, job retraining. But while it’s your right to file for it, many things could disqualify you.
It’s equally important not to do certain things as it is to seek its help promptly. You should keep this in mind to make sure you receive the benefits you deserve.
Beware of these pitfalls
When it comes to workers’ compensation, some pitfalls could potentially jeopardize your claim. Here are five things to avoid:
- Ignoring medical advice: If you don’t follow your doctor’s orders, insurance companies may question the extent of your injury. It’s crucial that you follow all medical orders for your well-being and your claim.
- Missing reporting deadlines: In Florida, you must report your injury to your employer within 30 days. Failing to do so could mean losing your right to workers’ compensation benefits. Always report your injury promptly and keep a record.
- Seeing the wrong doctor: In Florida, your employer’s insurance company usually chooses the doctor for workers’ compensation cases. Exceptions exist for emergency treatment or if the insurance company doesn’t provide a doctor within a reasonable timeframe. If you see your own doctor outside of these exceptions, you might not receive coverage for your medical expenses.
- Exaggerating injuries: Being dishonest or exaggerating about your injuries can lead to the insurance company denying your claim. Always be truthful about your injuries and how they affect your life.
- Returning to work too early: You could risk further injury if you return to work before you’re medically ready. Plus, it might be seen as a sign that your injuries aren’t as severe as claimed. Always follow your doctor’s advice about when to return to work.
Making these mistakes could impact the outcome of your claim, potentially leading to a denial of your benefits.
Appeal the denial
In the event of the denial of your claim, you can apply for an appeal. In Florida, this involves multiple stages, starting with a petition to the Florida Division of Administrative Hearings. An administrative law judge will then hold a hearing to review your case. But you must do so within two years of the denial.
In such cases, it may be time to seek legal help. An attorney can review your claim and help you with the appeals process.