When making a worker's compensation claim, it is important to know your rights under the workman's comp laws to ensure that you are treated fairly and get the compensation you deserve. Following these friendly tips will ensure that you are prepared when making your worker's compensation claim.
The first tip, and probably the most important, is to report your accident or injury immediately to your supervisor or employer. You should make a report even if you do not require medical attention at that time. There are instances where an injury or accident can have long term affects that may not be recognizable at the time of injury and failure to report it at the time of injury can keep you from making a claim. Not being able to make a legitimate claim when you need to can have devastating result to your finances.
In addition, it is important to be aware that there is a time limit that you can make your worker's comp claim and it varies by state. Be familiar with what those time limits are so that you do not miss your chance to make a claim. Also, keep in mind that some states have a timeframe to report the accident or injury initially and a separate timeframe for the actual claim. This is in response to what was mentioned earlier that sometimes an injury will not have immediate affects but may in the future.
Do not stop seeking medical attention; if your injury is severe enough that you need to seek medical attention then do so. Do not let your financial situation keep you from getting medical attention because some injuries can often worsen if proper medical care is not taken. The obvious repercussions is you can become permanently injured and suffer even further losses. Be sure to let your doctor or medical professional know that you suffered this injury due to a work related accident.
Do not give up hope even if you have been denied a claim. The insurance companies that handle the claims are actually under the employ of your employer and will have only your employer and their own best interest in mind. If you have been denied a claim you may want to seek the advice of an attorney who specializes in workman's compensation cases. An attorney will work for you and arbitrate between you and the insurance company to get you the compensation you deserve.
Workman's compensation claims can be intimidating and often leave you feeling despair especially after a denial of claim. Workmen's compensation laws are there to protect you but you have to know what your rights are under those laws to ensure you are treated fairly and get the compensation you deserve. If you are unsure of those rights seek legal counsel.
Casey Trillbar is the editor for YourOnlineInsuranceAgent.com, a website which offers information, resources and online home, auto and health insurance quotes, as well as for 101waystomakemoney.com, a website aimed at supplying information and resources about how to make money online and off. For more information, visit: http://youronlineinsuranceagent.com and 101waystomakemoney.com.© 2012 Casey Trillbar
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