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What Should You Do If Your Workers’ Comp Insurance Company Isn’t Paying You?

Workers-Comp-Insurance-Company | SP

You may be entitled to workers’ compensation benefits if you’ve been injured on the job. These benefits can include medical expenses, income replacement, and death benefits. Most cases, your employer’s workers’ compensation insurance company will provide these benefits.

However, there are times when the insurance company may wrongfully deny or delay your benefits. If this happens, you have the right to file a claim with the state workers’ compensation board or take legal action against the insurance company.

This article will explain what you should do if your workers’ compensation insurance company isn’t paying you.

The First Step: Understand the Claim Process

The first step you should take if you think your workers’ comp insurance company isn’t paying you is to understand the claim process. In most states, the workers’ compensation process starts with the injured worker filing a claim with the state workers’ compensation board.

The claim will be assigned to an insurance adjuster, who will investigate the claim and decide whether to approve benefits. If the insurance adjuster denies your claim, you have the right to file an appeal. The appeal will be heard by a workers’ compensation judge, who will decide on whether or not to approve benefits.

Why Might the Insurance Company Delay Making Payments?

There are several reasons why the insurance company might delay making payments.

In some cases, the insurance company may not have received all the necessary documentation from the injured worker or the employer.

In other cases, the insurance company may question the extent of the injuries or whether the injuries were caused by a workplace accident. If the insurance company has questions about the claim, they may request an “independent medical examination” or IME.

A doctor not associated with the injured worker or the workers’ compensation insurance company conducts an IME. The IME doctor will examine the injured worker and write a report detailing their opinion on the extent of the injuries and whether or not they were caused by the workplace accident.

What Can You Do If the Insurance Company Is Delaying Payments?

If the insurance company is delaying payments, you should try to find out why the delay is. You can do this by contacting the insurance adjuster handling your claim. You can contact the state workers’ compensation board if the insurance adjuster is unresponsive or doesn’t provide a satisfactory explanation. The state workers’ compensation board can help ensure that the insurance company is processing your claim promptly.

Sometimes, the state workers’ compensation board may even order the insurance company to make payments. If you’ve been injured on the job, you have the right to workers’ compensation benefits. These benefits can include medical expenses, income replacement, and death benefits. Most cases, your employer’s workers’ compensation insurance company will provide these benefits.

However, there are times when the insurance company may wrongfully deny or delay your benefits. If this happens, you have the right to file a claim with the state workers’ compensation board or take legal action against the insurance company.

When to Hire an Attorney?

You may consider hiring an attorney if the insurance company has denied your claim or delayed payments. An attorney can help you navigate the workers’ compensation system and ensure you get the benefits you are entitled to.

An attorney can help you in several ways, including:

  • Filing a claim with the state workers’ compensation board
  • Obtaining medical records
  • Identifying witnesses
  • Submitting evidence to the workers’ compensation judge
  • Negotiating a settlement with the insurance company
  • Filing an appeal if your claim is denied
  • Taking legal action against the insurance company
Conclusion

If you are injured at work, and your workers’ compensation insurance company is not paying you, there are a few things you can do. It would help if you started by contacting an experienced workers’ compensation attorney. They can help you understand your rights and options. It would help if you also visited us at Pistiolas Law (844-414-1768) to learn more about what we can do to help you.

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