If you have been injured on your job and can’t work temporarily or even permanently,getting the most from a work comp claim is essential to get the money you need to pay medical bills and everyday living expenses. Even though your company carries workers compensation insurance,many insurance companies will try to deny your claim or lower it so as not to pay you. Here are some tips for making sure that you have the best chance of getting paid,including hiring a file for workers compensation .
1. Seek Medical Care
Immediatelyby going to the hospital,a clinic or a doctor immediately,you’ll demonstrate that your injuries are serious enough to prevent you from working. Any delay in seeking medical help signals the insurance company that possibly your injury isn’t as bad as it seems.
2. Notify Your Employer
Some injuries are obvious and require immediate hospitalizations,but if yours is not so obvious,don’t put off tell your employer. Do it as quickly as you can. The bottom line,however,is that you MUST report a workplace injury to your employer. It’s illegal not to do so.
3. File Your Claim As Soon As Possible
Don’t forget that you also have to file a claim to be eligible for compensation. Make sure that you know your state’s deadline for filing a workers compensation claim. Every state is different,but missing it completely will prevent you from gaining any compensation whatsoever. File your claim as early as you possibly can. Contact your state for filing forms and deadlines.
4. Be Specific With the Insurance Company
Be detailed when describing what happened and always tell it in the same manner (or just let your Des Moines handle this). You should also be aware that the insurance company will always look for pre-existing conditions as a reason to disallow your claim. Make sure you note that any pre-existing problems you may have did not cause the injury.