When you get injured at your workplace, and the incident is not your fault, you are entitled to a worker’s compensation. But while work-related injuries could get you what you need to deal with pain and suffering, it won’t be easy to get what you deserve. Not all insurance providers will honor the claim or give you lower than the amount you should get. The following are steps you can take to ensure that you’re appropriately compensated.
1. Report Your Injuries Immediately
Report your work-related injuries right away after sustaining them. If nobody knows about the accident, you can’t file an injury claim. The longer you wait to inform your employer, the easier it would be for them to contest your case.
Note that a statute of limitations applies to various cases, and the duration will vary from one state to another. Some states require that you report the accident to your superior within 30 days. Then, you have one to three years until the first symptom of the injury appears to file the worker’s compensation claim.
Even if you don’t know the statute of limitations in your location, the sooner you report and file for the claim, the better your case will be. To get more information on work injury, browse through this recommended site.
2. See a Doctor Right Away
After reporting your injuries, you will need to get to the doctor right after. One of the worst mistakes you can make is waiting before seeing one because you assume that your injury is not severe enough.
People who were injured later realized that their condition was worsening because they didn’t seek medical attention sooner. Days or weeks later, they are in worse shape than they realize. It also opens the opportunity for the company to argue that your injuries were sustained beyond your work hours. Once you have been in an accident, see the doctor immediately, and get a professional opinion about your injuries.
Depending on the worker’s compensation of the employer, you will be directed to an affiliated medical professional for your first evaluation. Only right after this step can you see the doctor you prefer.
3. Keep a Detailed Report
It’s essential to record your accident account to prove evidence filing a claim. You can compare it to your employer’s records and look for inconsistencies to protect yourself. A report might also help the employer understand their responsibility when their employee gets hurt at work.
Their report may have some false information that could lead to the refusal of the insurance provider to pay you. It’s essential to create the report immediately because waiting longer might cause your memory to blur. Be honest and don’t include uncertain information. Aside from the work schedule, you must obtain a copy of the visit and their treatment.
You must also record who you spoke to at the compensation insurance company about your condition. Moreover, take note of the meeting schedule, whether it’s a physical conversation or a call. Keep the receipts because they are the records of your expenses, such as travel expenses to doctor’s appointments. If you sent any documentation, note where you sent them and what kinds of papers they were.
4. Beware of Surveillance and Private Investigators
Note that not every insurance company will believe what you say. They might hire a private investigator if they are questioning your credibility. The investigator will follow you in various places and even as you go home. They have one goal: to find proof that contradicts your injury claim.
For example, you informed your doctor that you couldn’t lift anything heavier than five pounds. Private investigators will bring along a recording device to determine if you’re lying and carrying heavy containers into your home.
But the video can easily be misinterpreted because the items you’re carrying might be lighter than they seem. You can also be legitimately injured, but the pain tends to subside and get worse suddenly. Seek a worker’s comp lawyer and ask for advice on how the video’s influence can be minimized and help you get the most out of your worker’s compensation.
If you have been injured at your workplace, make sure to contact a worker’s compensation lawyer who can serve as your legal representative. Experienced lawyers in similar cases will help you determine if you have a valid case and pursue compensation. With the help of a professional, you’ll be sure that you have someone on your side looking out for you.