Work accidents happen every day across Missouri. Most of them only require first aid or possibly a day off of work. However, some people suffer serious injuries on the job. Others develop work-acquired medical conditions that result in a protracted leave of absence or necessitate a change in profession.
If you will need outside medical care or an extended leave of absence to recover, you will probably need to file a claim for worker’s compensation benefits. Most people receive the benefits they need, but some people get denied instead of approved. What are some common reasons for claim denials?
Not reporting the incident to an employer
Under Missouri’s workers’ compensation insurance program, injured workers have an obligation to report their incident to their employer within 30 days. If you don’t make a report to your employer, either they or their insurance company may deny you benefits.
Making mistakes in claim paperwork
Submitting paperwork to your employer, the state government and the insurance company can take a lot of time. Some people rush through the process. Others simply have trouble understanding how to properly fill out the paperwork. If you omit crucial information or make other paperwork mistakes, you may face a denial until you can correct those records.
Refusing medical care but expecting disability benefits
Workers’ compensation covers your care and a portion of your unearned wages. However, to continue receiving benefits, you have to comply with medical instructions.
If you refuse medical care, that might mean that you have personal responsibility for the progression of your condition or your ongoing symptoms. Asking for a second opinion and pursuing treatment will protect your rights more than just refusing treatment you find questionable.
The better you understand workers’ compensation, the easier it will be to get your benefits or to appeal a denied claim.