If you experience an injury at work, your employer’s workers’ compensation policy must pay for medical bills and other expenses. However, you must file the appropriate paperwork and meet the requirements for this type of claim.
Understand your rights and responsibilities when pursuing Connecticut workers’ compensation after an accident.
Reviewing the provisions of workers’ compensation
In Connecticut, injured employees can receive workers’ compensation regardless of fault in the accident. However, employees may not sue the company after a workplace injury. Compensation covers lost wages, medical expenses, partial or total disability, mileage to doctor visits and other costs associated with the accident.
Medical providers may not bill you for services covered by workers’ compensation. These bills must go directly to the insurance provider.
Choosing a doctor
Your employer can require you to see a specific doctor for the first medical visit after the accident. If you do not comply, you may be ineligible for workers’ compensation.
If your employer has established a pre-existing approved medical care plan, you must see a doctor listed within that plan for follow-up care and treatment. Otherwise, you may select your own health care provider for subsequent medical needs stemming from the injury. However, you must see a doctor who has a Connecticut practice license. Seeing a doctor who does not meet these requirements can result in nonpayment of your claim for those services.
Receiving additional evaluations
Your employer, the workers’ compensation commissioner or the insurance agent may require an examination to evaluate the injury. If you refuse to attend, you may jeopardize your benefit eligibility. When the examining doctor’s opinion differs from the opinion of your physician, the commissioner can require an additional exam by a doctor who has no bias in your case or relationship with any of the parties.
When you receive a denial after submitting a workers’ comp claim, you have the right to appeal your case. You also have the right to attorney representation throughout the process.