They say that knowledge is power, and in our line of work, we want to use our knowledge of the legal system to help get you the compensation you deserve. Because knowledge is power, there are some things your employer’s workers’ compensation insurer hopes that you don’t find out about the system, because it can put you in a better position to win a larger claim award. Today, we shine a light on some of the things insurance companies don’t want you to know because it will serve to hurt their case.
Hidden Truths About Workers’ Compensation
Here are a few things your employer’s workers’ compensation insurer hopes you miss when it comes to your injury case:
There are strict deadlines to meet – All it takes is one missed deadline or forgetting to file one claim form in order to tank your case. The insurance company certainly isn’t going to be sending you reminders about meeting these deadlines, so you need to figure them out for yourself and make sure you meet them. Better yet, hire a lawyer who not only knows the deadlines, but will ensure everything is filed on your behalf well within the time frame.
They can’t stop you from getting an attorney – Your insurance company or your employer may not like that you are looking for an attorney to help with your injury case, but they can’t actively prevent you from seeking counsel. If either party intentionally delays or obstructs your ability to retain legal counsel, they can be hit with additional fines on top of the injury case.
You can get benefits even if you return to work – Some people assume that if they return to work, their work comp benefits must end. However, if you suffered permanent damage or you are earning less than you did prior to your injury, you are eligible for disability or wage loss benefits. Again, your attorney will be happy to review all your compensation options.
You can contest a denial – A large portion of valid injury claims are denied by the insurance company for a variety of reasons. Maybe you left part of a form incomplete, your employer told a different version of events or they think your injuries may have happened outside of work. We’ve helped countless clients fight initial claim denials, and we can do the same for you. Don’t let the insurance company’s decision be final, work with us and we’ll take your claim before a neutral workers’ compensation judge.
You can choose your own doctor and qualified rehab consultant – Finally, your employer and insurance company will gladly direct you to a physician with a history of favorable evaluations, but it’s important to know that you can go to a doctor of your choosing for an independent medical exam. You can also decide whether to keep or switch the QRC assigned to your case. You have more options than you may realize.
For more information, or to talk to a lawyer about your options, reach out to Margolis Law Firm today.