After hurting yourself on the clock recently, you filed a workers’ compensation claim with your Connecticut employer. Unfortunately, the company’s insurance provider denied your claim. What should you do now?
Chron describes employee options for responding to rejected workers’ comp claims. The insurance company does not always have the final say in the matter.
Appealing the claims adjuster’s decision
If the claims adjuster in charge of your case denies your claim, you can appeal the decision according to current state procedure. If your appeal proves successful, the claims adjuster must accept your claim and pay your benefits according to state regulations.
Rejecting a permanent disability offer
Say the claims adjuster makes a settlement offer for your permanent disability, but the amount falls short of the level of care your physician expects you need. A fair settlement offer accounts for future financial loss and health care treatments. You reserve the right to reject the adjustor’s offer and appeal the case or request a renegotiation.
Appealing temporary disability rejection
If your company’s insurance provider denies you temporary disability, you may appeal the rejection. Seek a second medical opinion to support your appeal, but understand that your employer reserves the right to request you complete a medical examination by a company physician.
Losing a denied worker’s comp claim
Despite using your available options, you may lose your battle against your employer’s insurance provider. If so, your company does not bear financial responsibility for covering your benefits.
After a work injury, your focus should be on recovering, not fighting against your employers’ insurance company. Hopefully, you get the medical care and settlement amount you need and deserve.