There are many concerns a worker has after sustaining an injury on the job. These range from handling medical bills, navigating through insurance issues and dealing with a loss of productivity in the short and long term.
The last thing a worker needs is a denied claim when seeking the support they need. Nearly 7% of workers’ compensation claims see initial denials. Knowing the potential reasons for a denied claim may help guide a workplace injury victim through the confusion.
Employee files claim after leaving the job
Insurance companies often deny claims if an employee no longer works at the indicated business. This may be the result of quitting or an employer laying off or terminating a worker.
Employer disputes work-related aspects
Some employers may contest that an injury is the result of work or an accident. Evidence of misconduct on the job or evidence of activity outside of work may risk a denial.
Injury conditions do not qualify
While there are many commonalities between workers’ compensation policies, certain injuries and conditions do not meet workers’ compensation guidelines.
Worker misses filing deadlines
Insurance companies may do very little with a claim that comes in too late. Workers must file their claims within a certain period. For Tennessee, this window is frequently one year from the date of the injury or the date temporary disability benefits stopped.
Knowing the ins and outs of workers’ compensation is hard, especially through recovery. There is information and resources available that may reduce the risk of a denied workers’ compensation claim.