Workers’ Compensation is a form of insurance that offers benefits to employees after an injury. The insurance is designed to pay for their medical costs and provide them a portion of their income if they are unable to return to work immediately. However, some workers may face a denial of these benefits for a variety of reasons.
How to File for Workers’ Compensation
Initially, the worker files a claim through their employer’s insurance company. The claim is taken to a medical doctor who examines the worker. The doctor is required to send the documentation to the insurer within a period of ten days. After ten days, the insurance company assigns a claims adjuster. The adjuster determines if it is feasible to pay worker’s compensation benefits based on their injuries.
What to Do After a Denial
If the worker is denied benefits, they have the right to file an appeal through court. This appeal allows them to present evidence from their own medical doctor. They aren’t restricted to the doctor used by the insurer. They may introduce more extensive medical evidence to support their claim. If the worker is denied benefits after their appeal, they have the right to file a lawsuit against their employer to receive compensation for their injuries.
Filing a Formal Lawsuit
The worker must file a lawsuit prior to the second anniversary of their accident. If their accident occurred near surveillance cameras they should inform their attorney in order to secure this evidence. They will need witnesses to testify on their behalf that saw the accident occur.
The doctor must show that the injuries are conducive with the accident. They must also explain how this condition could prevent the worker from returning to their job. If a permanent disability is produced, they should present information about how this injury will affect their lives.
Workers’ compensation is insurance that is required by all employers. This type of insurance covers the immediate medical expenses for the workers after an injury occurs. In some cases, the benefits are needed for long-term treatments for the injury. Workers who were denied this coverage should visit Northfloridaautoaccidentlawyer.com and contact an attorney today.
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