If you are injured at your workplace as a result of an accident that prevents you from returning, then you are entitled to workers’ compensation. The system is implemented to cover medical costs and protect employees who can no longer earn an income due to injuries they sustain while working. Like most government systems, there is a high rejection rate, partly to save money and also due to the large number of people who file false claims. Although the system is difficult, there are some things you can do to give yourself the best possible chance of receiving the benefits you deserve.
Be sure to report all injuries sustained
Anytime you are injured at work or become ill due to work, you need to report it to the proper channels. It is not enough to tell your boss and walk away; you must have it in writing, which means completing a detailed incident report. If you are not given a report to complete, your employer will have no record of the injury and may deny that you ever complained. If there is no paperwork or an insurance adjuster does not call you to discuss it, then something is wrong. Follow up with your boss or climb the ladder until you get results.
Keep detailed medical records
You should inform anyone who is caring for you that your injury occurred at your workplace so they can send your medical bill to workers’ compensation and not to you. If you choose to visit a doctor that is not suggested by your employer, then you need to make sure they are certified for workers’ compensation claims; otherwise you will get stuck with the invoice and have to ask for the refund, which may take a long time. Be sure to keep archived copies in your records of every hospital or doctor visit you have made, as these records will come in handy if you aggravate a previous work injury and need to prove it.
Beware of Employers Who Deny Your Coverage
In certain cases, it is the employer who is responsible for the employee not receiving workers’ compensation, often convincing employees not to make a claim by lying and saying they would not be approved. Workers’ compensation is no-fault insurance, which means that even if you caused the accident (within reason), you will still be covered. Some employers convince employees that the accident was their fault and that they will not be covered. This is a way for companies to keep their safety records up to date by keeping accidents off the books and saving the money they would have to pay in compensation.
There are ways to ensure you get the best possible benefits on your workers’ compensation claim, and they just require hard work, dedication, patience, and possibly a personal injury attorney. The most important thing to know is that lying or cheating is not only illegal, it rarely works. Always be honest. If your claim is valid, hopefully you will have no problem receiving full workers’ compensation for your injuries.