Workers’ insurance companies are always on a lookout to find reasons to minimize the amounts of claims paid by them. In the event of you injuring yourself at your workplace, you are entitled to get workers’ compensation benefits till the time you can resume work. To prevent occurrence of wrongful denial of benefits or premature termination of benefits, here are some general rules you need to follow:
1. Report the Injury as Soon as Possible:
In order to get workers’ compensation, it is imperative that you report the injuries as soon as practically possible. Although a delay in reporting will not disqualify you from getting a workers’ compensation, it is recommended not to wait. If you anticipate the slightest chance of the injury making you miss out on work, report it to the supervisor.
2. Get Names of Witnesses:
In case of construction site accidents, you will never be alone and there will certainly be a number of witnesses when the injury is caused. Make sure you make a note of the names of all those who have been witnesses to the accident. This will enable you to prove that you actually got hurt at the construction site and not anywhere else.
3. Get Medical Treatment If You Need It:
On getting hurt, make a visit to the nearest doctor. In case of an emergency, ask your colleagues to take you to the emergency room as soon as possible. If you do not visit the doctor, insurance companies assume that you were not hurt since you did not seek immediate medical attention.
4. Make Sure to Explain How You Got Hurt:
Most workers’ insurance companies deny a claim if the initial medical reports do not describe the injury or the accident in adequate details. Do your best to describe the accident in as much detail as possible and do not forget to mention the location of the accident. There may be an instance when you got hurt without the occurrence of a traumatic event that caused symptoms.
In such cases
, there is a possibility that overuse or repetitive stress caused the symptoms. Make sure you report the reason for the injury to be repetitive motion or long hours if you think they were the reason behind the accident. Insurers and workers’ compensation system relies hugely on the first injury report and hence it is important to describe the injury in as much detail as possible.
5. Fill Out Accident Report Forms Accurately:
A number of employers mandate employees to fill out and sign accident report forms. Take due care to fill out those forms accurately and completely. It is wise to avoid filling such a form if you find yourself medicated or too ill to fill it sensibly. You can fill it later when you find yourself in a better state of health and able to concentrate.
6. Be Consistent in Your Statements:
Make sure you give similar statements in front of different authorities. If you tell your supervisor a story different from what you tell your doctor, you will hurt your case.
7. Sign a Limited Medical Authorization to the Insurer:
An insurer is allowed to see the copies of medical records and bills that relate to your injury. However, access to any medical records beyond those is denied. Do not sign any documents that authorize the insurer to get any records and bills not related to the injury.
8. Do Not Give a Tape Recorded Statement to the Insurer:
The insurers often ask the workers to give them a recorded statement describing the accident. It is wise not to give such statements unless you have consulted your lawyer on what to speak.
9. Attend Your Medical Treatment:
It shall be a blunder to miss out on medical appointments. When you miss medical appointments, the insurer presumes that the injury was not serious enough to warrant medical attention. This gives them a reason to start terminating the benefits.
10. Consider Talking to a Lawyer:
Consultation with a workers’ compensation attorney is a welcome step in case you come across some trouble in getting workers’ compensation. An experienced person can clear up things as well as guide you to give a clear idea on whether you can benefit from representation by a professional or not.
These 10 tips will go a long way to secure your workers’ compensation claim if you get injured at your workplace.