Common Mistakes Made When Filing a Workers Compensation Claim
There are common mistakes made when filing a workers compensation claim which you should avoid. First, you should fill the compensation claim with an open mind knowing nobody will report to the workplace while expecting to be injured.
There are different forms of compensation which you can access after you file for the compensation claim. If you are injured, then you should file for compensation so that you can access funds which you will use to pay for treatment services. If mistakes are made while filing for compensation, then you may face challenges when trying to file for compensation.
Failing to report the injury
You cannot access workers compensation if you decide not report the injury. If you have been faced with an incident, then the first step you should take is to report the injury to your employer. There are two ways you can report the injury. You can either report in writing or report in person. If you fail to report to your employer, there will be no records to your injury which will compromise your process of trying to file for the compensation.
Reporting your injury to the doctor first
If your injury is not a medical emergency, then you should consider reporting to your employer. It is necessary to report your injury to the employer before you proceed to report to your doctor. Even if you feel like you should see your doctor as fast as possible, but you should ensure you report to the employer first.
Seeking coverage through your private health insurance
An employer’s workers compensation will cover your medical bills as well as other disabilities which can arise out of the injury. It is unlike your personal health cover which will only pay for your medical bills. Some private insurance providers can even deny you the claim if they discover you were injured in the workplace.
Failure to report injury because you are not sure of the cover
Even if you don’t have enough information about areas where your cover can help, it is necessary for you to report all cases of injury ion your workplace so that you can access compensation if the employer has any cover.
Failure to provide accurate and complete injury report
The insurance cover will provide to you compensation based on the injury report which you will provide. It is necessary for you to provide details about your injury so that you can access the compensation.
Photo Credit: Shutterstock/Rawpixel.com