Workers' compensation is a valuable type of insurance coverage that ensures employees receive benefits in the event of work-related injuries or illnesses. While the process of claiming these benefits should be straightforward, complications can arise, and it may become necessary to consult with a workers' compensation attorney.
1. Denied Claims
When employees' claims are denied, seeking assistance from a workers' compensation attorney is a common response. Denials can occur for various reasons, including disputes over whether the injury was job-related, missed deadlines, or insufficient medical evidence. Seeking the expertise of an attorney can provide you with valuable insights into the reasons behind the denial of your claim and offer guidance throughout the appeals process. Their extensive knowledge and experience will help you navigate through this complex legal journey with clarity and confidence.
2. Disputed Permanent Disability Rating
The amount of benefits you receive for a work-related injury often depends on your permanent disability rating. If the insurance company disagrees with the rating given by your doctor, they may ask you to see one of their own physicians. This is done to resolve any discrepancies in the assessment. This could potentially lead to a lower rating being assigned.
3. Pre-existing Conditions
Establishing a link between your current medical issues and your work can be a daunting task, especially if you have a pre-existing condition that has been exacerbated by your job. Proving the work-related nature of your current health problems can pose a significant challenge. A workers' compensation attorney can help gather the necessary medical evidence and argue your case effectively.
4. Difficulty Receiving Treatment
At times, employees encounter setbacks or rejections when seeking necessary medical care, as insurance companies might challenge the essentiality of specific procedures or treatments. A skilled attorney has the ability to apply pressure on the insurance company, effectively expediting the approval of necessary treatments.
5. Retaliation from Employer
Regrettably, certain employers resort to retaliatory actions against employees who seek workers' compensation. They may terminate employment, reduce work hours, decrease wages, or engage in other discriminatory practices.
6. Settlement Negotiations
If you're offered a settlement by the insurance company, it's wise to have an attorney review it before you accept. An attorney can evaluate if the settlement sufficiently covers present and future medical expenses and lost wages. Their expertise can help ensure all aspects are adequately addressed.
Reach out to an attorney for more information about workers' compensation attorney consultations.