When you get injured on the job, workers’ compensation insurance should be there as your financial safety net to fall back on as you recover. However, filing a claim can be complex and overwhelming, and a denied claim can lead to frustration, financial burden and even further physical harm.
As an employee, understanding the common pitfalls when filing for compensation empowers you to strengthen your claim and secure the support you need to recover.
Reason #1: Delaying your claim
In Florida, workers have up to 30 days to notify their employers of a work-related injury or illnesses. Delaying this critical step can result in the denial of your claim, leaving you without the benefits you need. If you sustain an injury at work, report it to your supervisor as soon as possible, even if it seems minor. Your prompt action creates a clear link between the accident and your injury, protecting your rights to file a claim if the injury worsens over time.
Reason #2: Lack of medical evidence
Another frequent reason for claim denials is insufficient medical evidence. Your claim needs thorough medical documentation to back it up. If you sustain an injury on the job, seek medical attention right away. Be sure to follow your doctor’s orders, attend all scheduled appointments and keep detailed records of your medical treatment.
Reason #3: Failing to disclose medical evidence
Insurance companies may reject your claim by arguing that your injury is a pre-existing condition, rather than a direct result of your job. To avoid this, it is essential to disclose any pre-existing conditions when filing your claim. Your doctor can also help you document the difference between your condition and the work-related aggravation.
Stay one step ahead of insurers
As you navigate the Florida workers’ compensation system, always keep in mind that insurers are not on your side. Their goal is to find a weakness in your claim and scrutinize every detail and every medical record to find a reason to say no. By understanding the common reasons for claim denials, you equip yourself with valuable knowledge to bulletproof your rights and claim to proper compensation.