One of the biggest challenges that workers face with a workers’ compensation claim is the presence of a pre-existing condition. The insurance carrier might deny the claim with an assertion that the pre-existing condition caused the situation.
Before you file your workers’ compensation claim, there are a few things that you should know about your pre-existing condition.
Be honest
Being upfront about your pre-existing conditions is important. Failing to disclose relevant medical history may jeopardize your claim. It can also lead to legal consequences.
Insurance providers and employers rely on accurate information to assess the validity of a claim. By providing a comprehensive medical history, you demonstrate transparency and build a foundation of trust in your case.
Understand aggravation vs. causation
It is important to differentiate between aggravation and causation when dealing with pre-existing conditions. While work activities could aggravate pre-existing conditions, establishing a direct causal link between your work and your symptoms is crucial for a successful claim. When filing a claim, focus on demonstrating how your work activities directly contributed to the development or exacerbation of your condition.
Seek timely medical care
Prompt medical attention is pivotal in workers’ compensation cases involving pre-existing conditions. Delayed treatment not only jeopardizes your health but can also weaken your claim. The sooner you seek care, the sooner you establish a medical record that connects your work activities and your condition.
Research shows almost 54 million Americans have pre-existing conditions, which is why this is so important. Make sure you understand how to navigate your pre-existing condition with your workers’ compensation claim.