If a workers’ comp insurer denied your claim, you may be wondering what mistake you made and whether you can reverse the decision. Insurance providers have a lot of reasons to deny even valid claims. Thankfully, there are some things you can do to minimize your chances of denial. You must equip yourself with knowledge and contact a reliable Ashburn workers comp lawyer to help you understand your options. Insurers may dispute your claim due to the following reasons:
In the state of Virginia, you should give notice to your employer of your accident within thirty days. Also, to get the workers’ comp benefits you deserve, you should comply with some filing conditions. You must bring the claim within a couple of years from the date your injury occurred.
Disputes on the Cause of the Injury
Insurance providers may deny claims based on disputes that concern the cause of your injury. They may not agree to your version of events or claim your medical records don’t support your workers’ comp claim. they may also blame discrepancies between your accident report and medical records.
A Lack of Witnesses
On-the-job accidents can take place with just a victim present. Without a witness, an insurer will use this fact for denying your claim. You can avoid this problem by notifying your employers and other coworkers who were with you during the accident.
A Pre-Existing Injury or Condition
If you have a pre-existing condition or injury, you may find it hard to prove you have a valid claim. Insurers usually check your previous medical records. If they can find evidence that your injury may have developed at an earlier time than your accident at work, they may dispute your claim.
Off-Site Accident Injuries
If you sustained an injury in an off-site accident, you can still seek workers’ comp benefits. This is possible if you were injured while doing a job-related task like going to a meeting or transporting company goods.
Workers’ compensation does not only cover the most severe workplace injuries. In fact, it also covers any work-related injuries of varying severity that leave you incurring medical costs and lost wages. It is important to visit a doctor as soon as possible to check the seriousness of your injury. Getting an early medical exam helps you get an extension of your benefits with fewer hassles. Your benefits will stop once your injury has fully healed.