Being injured at work can have serious physical, mental and financial consequences, especially when your employer’s insurance company denies your workers compensation claim. Fortunately, if your claim has been denied, there are steps you can take.
1. Read the Letter
Before taking action, read the denial letter thoroughly. It contains important information about why your claim was denied and instructions for filing an appeal. Keep this letter for your records, along with any other written communication you have related to your claim.
2. Confirm the Denial
If you believe there has been an error, contact the insurance company immediately. Such mistakes are rare, but if the denial was the result of a clerical error, you might save time and money by addressing it with the insurance company before you take further action.
3. Get a Lawyer
You don’t need a lawyer to appeal a denied claim, but having one can drastically improve your chances of winning your appeal. Your lawyer can help you understand the reason your claim was denied and increase your chances of receiving coverage for your medical care under workers compensation Oregon.
4. Get Organized
If you are not already keeping a file of documents related to your claim, start now. Keep copies of relevant documents and communication, such as:
- Witness statements
- Medical reports
You should share these documents with your lawyer as well.
5. Be Respectful and Professional
You stand the best chance of winning your appeal if you present your case respectfully. When attending hearings, show up on time, dress appropriately and speak professionally.
While anger is normal, resist the urge to vent your feelings on social media. In fact, you should discuss your case as little as possible, as your comments may get back to your employer and be used to discredit your claim.
Having a workers compensation claim denied adds stress to an already upsetting situation. It’s important to remain calm and take the appropriate steps to improve your chances of a successful appeal.