If you have experienced an injury while doing your job, your employer’s workers’ compensation insurance policy may provide you with important benefits.
From payment for medical bills to compensation for wages lost during your recovery, these benefits may be crucial for helping you and your family. Unfortunately, the insurance company may deny your claim if you do not follow certain basic guidelines.
1. Report your injury promptly
Whether your injury is severe or seems minor at first, it is important to report any work-related accident to a supervisor as soon as you are able. In Georgia, your injury may not be eligible for workers’ compensation unless you notify your employer of the incident within 30 days.
2. Find an approved doctor
If your injury requires emergency treatment, you may visit any ER to receive the care you need. However, for non-emergency treatment, you will need to find a doctor who is on your employer’s approved panel of physicians if you want to remain eligible for workers’ comp coverage.
3. Build a strong medical record
The success or failure of your WC case may depend on the strength of your medical records. Make sure to keep your appointments and explain to each medical provider you visit that your injury was work-related. It is also important to keep track of documentation for medications, tests, procedures or other treatments you may receive during your recovery.
Even if the law entitles you to compensation, an insurance company may try to undervalue or deny your claim. Know that receiving an initial rejection does not mean you are ineligible for WC. By presenting a stronger case the second time around, you may be able to successfully appeal the denial and receive the payment you need.