Workers’ compensation insurance is designed to protect employees who sustain injuries on the job. Although the benefits can be a blessing for those who must miss work to recover, securing compensation can be challenging. Fortunately, if your claim was denied, a personal injury attorney can help. After determining why the insurance company rejected the claim, a seasoned lawyer will devise an effective strategy for filing an appeal.
3 Reasons a Claim May Be Denied
1. No One Else Was Present When the Incident Occurred
Fault does not typically play a role in workers’ compensation cases. However, an employee may be ineligible for benefits if the accident was a direct result of an impairment or recklessness. If no one witnessed the scenario that resulted in your injuries, the insurance adjuster might try to argue that the incident was your fault or that it did not occur while you were on the clock. Fortunately, a strategic attorney can find other ways to prove a case that lacks witness testimony.
2. Your Employer Disputed the Claim
It is not uncommon for employers to dispute a work injury claim, even if the employee is technically eligible for benefits. They might be wary of higher insurance premiums, an investigation by the Occupational Safety and Health Administration, or the paperwork and accompanying proceedings that follow a complicated claim. If the case comes down to your word against your boss’, an attorney can step in and protect your best interests.
3. Your Injury Was the Result of a Preexisting Condition
Workers’ compensation insurance does not cover injuries that arise as the result of a condition the employee had before starting at the company. However, it does cover certain occupational injuries and illnesses that may have developed gradually while working there. When it comes to seeking benefits for a long-term injury or illness, act fast or else risk a dispute over when you should have first known about the condition.
If you were hurt on the job and want to apply for workers’ compensation, turn to Goddard & Hammontree LLC. Based in Dalton, their legal team helps accident victims throughout Murray County secure the funds they deserve. Despite having the resources of a large firm, they provide the personalized attention of a small practice. Visit them online to learn more about their experience resolving workers’ compensation claims in Georgia, or call (706) 278-0464 to schedule an initial consultation today.