Filing for workers’ compensation is a stressful experience. There are many steps involved and deadlines you must meet throughout the process. Furthermore, insurance companies may deny your claim for a variety of reasons.
Your workers’ compensation claim could be denied if:
- You fail to file the claim on time. If you do not report your injury immediately to your employer, the insurance company may refuse your claim, saying you were not really injured. In addition, Virginia’s statute of limitations for filing a workers’ comp claim is 2 years. This means you must file the claim within 2 years of the date of your injury in order to receive compensation. If you are injured at work, it is important to tell your employer and file a claim as soon as possible.
- Your medical records show alcohol or drugs in your system. At the time of the incident, if your medical records show you were intoxicated, you will have a difficult time seeking compensation. Insurance companies take every effort to avoid paying your settlement, and if you were impaired by drugs or alcohol at the time of your incident, they will most likely deny your claim.
- Your employer disputes your claim. Your employer may say that your injuries resulted from something other than your job. If he or she argues that an outside factor was responsible for your injuries, the insurance company may start an investigation into the incident. If your employer is disputing your claim, you can file for compensation directly with the insurance company. In this situation, it is important to provide evidence of the incident to support your claim. This may include witness statements, photos, and relevant documents.
- Your accident report does not match your medical records. If your story of how the accident happened does not match what your medical records show, the insurance company will most likely deny your claim. It is important to be honest, thorough, and detailed in your account of the incident, and to talk with your doctor throughout the process to understand your injuries.
- You only report the injury to your doctor. If you are injured and just go straight to the doctor without telling your employer or insurance company, your claim may be denied. It is important to not only seek medical attention, but to also let your employer know right away.
Pursue a Favorable Settlement with the Help of Our Attorneys
At Harbison & Kavanagh, we are dedicated to providing passionate legal assistance for our clients. If you were injured at work, we can walk you through the process and help you file the correct paperwork with the Workers’ Compensation Commission. Our Richmond workers’ compensation lawyers have guided hundreds of clients through the Virginia legal system, and we can tenaciously represent you as you seek the compensation you deserve.
Contact our firm today for a free consultation. We are available 24/7 for your convenience.