A work injury affects your ability to perform your job, provide for your family, and even your ability to complete certain everyday tasks. If you have suffered an injury due to the negligence of your employer, you deserve to be fairly compensated.
At Jaklitsch Law Group, we work diligently for our clients and stand up for everyone in Maryland suffering from a workplace injury. Our long track record of success in dealing with a wide variety of workers’ compensation claims, including wrongful termination of temporary or permanent workers’ comp benefits, speaks volumes about our dedication to each and every client we serve.
If you are injured at work, you are lawfully entitled to workers’ compensation benefits until your injuries heal and you are able to return. Like any type of insurance company, however, workers’ compensation insurance companies do not want to pay any more on a claim than they have to. Fortunately, there are some common rules to follow in order to reduce the likelihood of having your benefits wrongfully denied or prematurely terminated.
Promptly Report the Injury and Seek Medical Treatment
Maryland workers’ compensation laws stipulate the prompt reporting of work-related injuries. While failure to immediately report a work-related injury may not disqualify you from receiving compensation, it is best to report an injury as soon as possible. Workers’ compensation insurers will typically deny a claim if an injury is not immediately reported. Therefore, if you are hurt on the job, you should immediately report the injury to a supervisor. Not only does this comply with Maryland’s workers’ compensation laws, but it helps in receiving and retaining your benefits.
If you are injured at work, you should also make a doctor’s appointment as soon as possible. If it is a medical emergency, immediately go to an emergency room or an urgent care clinic. It is imperative that you do not wait as workers’ comp insurers usually assume that someone who doesn’t seek immediate medical attention is not injured.
Explain How or Why You Were Injured
Insurers will deny or attempt to revoke workers’ compensation claims if there are disparages discovered between the initial medical records and how the accident or injury actually occurred. Sometimes, the medical records preparer is at fault, but you should always try to clearly explain how you were injured to your health care provider. Regardless of how you were injured, it is imperative that you tell them you were hurt at the workplace or on the jobsite.
Accurately Complete the Accident Report Forms
Most employers require employees injured on the job to sign and fill out an accident report. This should also be accurately completed. If you are too injured or medicated to accurately fill out the form when requested by your employer, wait to fill it out at a later time.
Consistency is Key in Your Statements
Insurance companies will often deny or terminate workers’ compensation claims if an employee provides inconsistent statements about the nature of the accident. If you disclose to your employer that the accident occurred in a way that contradicts what you disclose to your doctor, it may be a detriment to your case.
Sign a Limited Medical Authorization if Requested
An insurer may request for you to sign an authorization for the release of your medical records. This request is perfectly reasonable as long as it is limited to the bills and medical records associated with your work-related injury. However, you should discuss the authorization with a qualified workers’ compensation attorney prior to signing the form.
Attend Medical Treatments
When receiving workers’ compensation benefits, you must never miss your medical appointments. If a pattern of missed appointments arises, the insurance company will assume you are healed or your injury is less severe than they were led to believe and seek to terminate your benefits.
Talk to an Attorney
If you feel your workers’ compensation benefits have been wrongfully terminated, you should consult with an experienced workers’ compensation attorney. An attorney with experience in workers’ compensation cases will review your claim and help you decide on the best course of action.
From a request for an independent medical examination to negotiating for the reinstatement of your benefits, each case is unique and there are often many avenues to pursue in workers’ compensation cases. At Jaklitsch Law Group, we specialize in workers’ compensation cases and will advocate for your interests. If you’ve been injured on the job, contact us today and put our knowledge to work for you!