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There's nothing in the workers compensation law that protects your employment status. If you come back to work, you are not guaranteed a specific job or rate of pay. You will be entitled to differential wage loss benefits if your work injury prevents you from earning full, pre-injury wages.
Workers' compensation claims do not need to be adversarial. If attitudes are negative from the beginning, then the claim is destined to have a bad outcome. Employers can protect themselves by performing a personality test during hiring and by having a sound claim management process.
In most states, the employer or insurance company must decide whether you're eligible for workers' comp benefits promptly or within a reasonable time period. Some states also have strict deadlines for approving or denying a claimoften between 14 and 30 days.
Most states allow an employer to dispute or contest a workers' compensation claim, but each state has its own procedures for doing so. Contact your carrier or state to get the detailed information and step-by-step process to dispute a workers' comp claim.
What is workers' compensation? Workers' compensation is a state-mandated insurance program that provides benefits to employees who suffer job-related injuries and illnesses.
When a claim is denied, it means the claims administrator believes your injury is not covered by workers' compensation. If the claims administrator sends you a letter denying your claim, you have a right to challenge the decision. Don't delay, because there are deadlines for filing the necessary papers.
How Do Workers Comp Claims Affect the Employer? A workers comp claim will cause sizable direct costs, but most of the expenses you'll face will be indirect and will affect your business over a longer period of time.
Some of the main reasons why workers' compensation insurers deny claims are the following: your injury was unwitnessed.you filed a workers' compensation claim after you were fired or laid off. you refused to give the insurance company a recorded statement or refused to sign medical authorizations.
It's important to know that a workers' compensation settlement is completely voluntary. No matter what your employer may tell you, if the insurance company offers you a large, one-time payment to replace your on-going, routine compensation payments, you don't have to accept it.