When an accident happens at work in Pennsylvania, you might assume that workers’ compensation benefits will cover your medical expenses and lost wages. However, not all claims get approved. A denial can leave you facing significant costs.
Being aware of the common reasons for denials and knowing how to properly file a claim can greatly increase your chances of approval. Here are some suggestions to better prevent a workers’ comp claim denial in Pennsylvania.
What causes workers’ comp denials?
Several things can lead to a workers’ comp claim denial.
- Lack of medical evidence
- Not reporting the injury in time
- Employer disputing the claim
- The injury does not qualify
You can take steps to ensure your claim avoids these common issues.
How can you prevent claim denial?
Here are some strategies to follow:
- Your health should be your priority, and seeking immediate treatment provides documentation of your injury. You also need to follow all doctor’s orders and attend any required medical examinations. If you refuse medical treatment or do not follow through with the prescribed care, Workers’ comp could deny your claim.
- Report the injury to your employer as soon as possible. Pennsylvania law gives you 120 days to report the injury, but reporting it promptly reduces the chance for disputes about when or how the injury occurred.
- When reporting the incident to your employer, be as detailed as possible. Include when, where and how the accident happened, as well as any witnesses. Keep a copy of this report.
Following these steps can help validate your claim.
What is the claim filing process?
Once you report your injury, your employer or their insurance company should file a “first report of injury” with the Pennsylvania Bureau of Workers’ Compensation.
Being proactive and well-informed can make a significant difference in navigating the workers’ compensation process and protecting your rights and financial well-being. For a free, no-obligation consultation, contact YOUR Workers’ Compensation Specialist to learn how we can help you. Connect with us online or call us at 610-892-9300.