Filing a workers’ compensation claim can be a complicated process, and many workers make avoidable mistakes that can delay or even deny their claims. Understanding the most common mistakes can help workers navigate the system more effectively and ensure they receive the benefits they deserve.
Not reporting the injury promptly
One of the most common mistakes workers make is failing to report an injury as soon as it happens. Workers’ compensation laws require workers to notify their employer of the injury within a specific time frame, often 30 days. Delaying this report can result in the claim being denied. Immediate reporting ensures that the employer and insurance company are aware of the injury and can begin the claims process.
Failing to seek medical attention
Another mistake is not seeking medical care right away. Even if the injury seems minor at first, not getting evaluated by a doctor can harm your case. Medical documentation is crucial for workers’ compensation claims because it supports the severity of the injury and the treatment required. Workers who delay medical attention may weaken their claim or cause unnecessary complications.
Not following the prescribed treatment plan
Once medical treatment begins, it is important to follow the doctor’s instructions carefully. Failing to attend scheduled appointments, missing prescribed therapies, or not adhering to the treatment plan can hurt the worker’s case. Insurance companies may argue that the worker isn’t truly injured if they don’t follow through with their prescribed care.
Not keeping thorough records
Keeping detailed records throughout the workers’ compensation process is essential. Workers often fail to document their injuries, medical visits, or communication with their employer. Maintaining records of all interactions, medical expenses, and time off work ensures a stronger case and can prevent confusion down the road.
Accepting a quick settlement
Finally, workers sometimes accept an early settlement offer without fully understanding the long-term impact on their health and benefits. Workers should carefully consider the implications of any settlement before agreeing to it. Seeking legal advice can help avoid making a decision that might leave them with insufficient compensation.
