Nobody expects to get injuries while working, but workplace accidents happen all the time and knowing how to fill out a workers compensation claim is very important. Some accidents can lead to serious injuries, lasting disabilities or even death – and that is where workers compensation can come in and make a lasting improvement in your life.
Workers compensation claims can cover death benefits, disability benefits, and medical costs. However, filing a claim can be overwhelming and confusing at times. Moreover, if you make mistakes when filing it, the claim may not hold.
Below are the mistakes most people make when filing an employee compensation claim:
Failure to report injury
One cannot start collecting the employees’ compensation benefits without first reporting the workplace accident. An injured employee must inform their employer, either in writing or in person, at that moment if possible.
Reporting injury to your medic before informing your employer
It is your duty to report any injury to your employer and not of your doctor although you have to see him or her in order to get treatment recommendations. Make sure to report the matter first to the employer before visiting a doctor.
Using your private health insurance to seek coverage for injury
The employer’s workers compensation plan usually covers all your medical costs associated with the injury as well as any disability benefits in case you cannot work. On the other hand, private health insurance covers your medical bills only after paying a co-payment and/or a deductible and does not cover work injuries.
Failure to report an injury because you think that you have no claim
Never conclude that you are not entitled to employee compensation benefits because your injury is not very serious or physically obvious. For instance, in case one is suffering from carpal tunnel syndrome, he or she might enjoy the worker’s compensation benefits although no single incident can be linked to the condition.
Failure to provide an accurate and complete injury report
It is prudent to be thorough when filling an injury report. Make sure you include a comprehensive injury clarification, time of the accident, date, and location.
Assuming you are not entitled to a claim because you did not take time off from work
Do not be one of those employees’ who doesn’t miss work to seek medical attention or to recuperate because you are dedicated and do not want to get a punishment for skipping work. Even if you go to work daily, you are still eligible to injury benefits.
Assuming your pre-existing condition nullifies your eligibility for benefits
So long as the workplace accident is the main reason why you need treatment, your pre-existing conditions, made worse by the injury, do not hamper your eligibility to enjoy benefits.
Failure to file a claim as no any particular event causes the injury
You might be eligible for benefits even if your injury results from cumulative trauma such as carpal tunnel syndrome or a series of event like repetitive lifting.