Workers’ compensation insurance is intended to offer financial help to employees who are injured or become ill due to their work. Insurance companies can defer payment of compensation to claimants in various ways. It’s a simple system in theory:
- The employee files a claim.
- The insurance company processes it.
- The employee is paid.
Insurance companies and Delayed Claims
There are several reasons why an insurance company may delay a workers’ compensation claim. One reason may be that the insurance company is trying to determine whether or not the injury is work-related. If the insurance company determines that the damage is not work-related, they may refuse to pay for the claim.
Another reason an insurance company may delay a workers’ compensation claim is if they believe that the injured person is not damaged. The insurance company may request medical records or ask the injured person to see a doctor verify the injury.
In practice, though, things are frequently far more convoluted. Insurance companies routinely try to delay or deny claims, often using legal but infuriating techniques for workers who rely on the money to get by.
Insurance firms employ various strategies to delay or deny payment of claims, putting wounded workers and their families through excessive hardship. Here is five of the most typical method used by insurers to refuse or postpone payment of workers’ compensation claims:
The first technique is to ask the claimant for unneeded information.
One method is to ask the claimant for unneeded information. This strategy is frequently employed to purchase time and wear down the claimant. The insurance company can hope that by delaying payment, the claimant will finally give up and go.
The second option is to choose an adjuster unfamiliar with the state’s regulations.
When an insurance company hires a claims adjuster unfamiliar with the state’s regulations, they might utilize this to delay or deny workers’ compensation benefits. The adjuster will claim that they cannot handle the claim because they do not comprehend the state’s laws. It can aggravate the wounded worker, who is already struggling with a workplace injury.
You should contact a workers’ compensation lawyer if you have been injured at work and the insurance company is utilizing an adjuster who is unfamiliar with the state’s regulations. They will be able to assist you in obtaining the benefits that you deserve.
The third method is to stall the process by having the insurance company declare that the accident occurred outside of the workplace.
The workers’ compensation insurance company may try to postpone the procedure by alleging that the injury did not occur at work. Insurance companies frequently employ this approach to conserve money, which may be highly frustrating for wounded workers.
If the insurance company tries to postpone your claim, you have a few options.
- First, speak with a lawyer who specializes in workers’ compensation law.
- Second, you can collect proof from backing up your argument.
- Finally, you may keep track of all correspondence with the insurance company.
The fourth option is for the insurance company to claim that the employee was not hurt.
You have a few options if your workers’ compensation insurance company denies your injury claim, claiming that you were not injured on the job. You have three options: appeal the decision, register a complaint with the state regulatory agency, or employ a lawyer.
Refusing to pay for medical treatment is the fifth and final approach.
If you were injured on the job and your workers’ compensation insurance company refuses to pay for the medical treatment recommended by your doctor, you should seek legal advice. An attorney can assist you in understanding your rights and may assist you in obtaining the medical care you require.
You may be encountering delays if you were injured at work and are waiting for workers’ compensation benefits. It is frequently due to the insurance company’s inaction. If this occurs to you, you must retain the services of an experienced attorney. Visit Pistiolas Law Firm to learn more, or contact us at (844) 414-1768 to schedule your free initial consultation.