Many individuals are aware that in the event of a workplace injury, their medical expenses will be covered by worker’s compensation. What may not be common knowledge is that it is necessary to consult the physician specified under your employer’s worker’s compensation policy as opposed to opting for your own doctor. Failure to adhere to this requirement might lead to the dismissal of your insurance claim.
Anticipated Steps in Filing a Worker’s Compensation Claim
Upon sustaining a workplace injury, it is crucial to inform the HR representative of your company within a span of 30 days post the incident.
Attorney Nathaniel F. Hansford asserts that the HR personnel ought to furnish you with detailed information concerning your entitlements. They must supply you with a worker’s compensation claim form, and it is essential to provide meticulous responses while completing this form.
Subsequently, you will be directed to an endorsed medical practitioner for the purposes of diagnosis and treatment. The employer should display a list of a minimum of six doctors on the premises. Alternatively, you can access a compilation of doctors on the State Board of Workers’ Compensation Physician Database.
In certain scenarios, treatment may be straightforward necessitating just a quick visit to the doctor. Conversely, in severe cases, you might need to take time off to recuperate. In instances of grave injuries, there is a possibility that you may be incapacitated to resume work. In such predicaments, you are eligible to apply for worker’s compensation remittances.
Should you necessitate benefits, you must fill out a WC-14 form which is a petition for a hearing. Collate all medical invoices from the approved physician and carry them along. Request the doctor to furnish you with a medical report.
Retain receipts of any medical expenditures such as prescribed or over-the-counter medicines. Thereafter, initiate the claim with the State Board of Workers’ Compensation. Upon approval of your claim, adherence to the doctor’s recommended treatments is mandatory and an expeditious return to work is required as per their directives.
Considering an Alternate Medical Opinion from Your Personal Physician
You are at liberty to seek an opinion from your personal doctor. Nevertheless, the Worker’s Compensation Board might not factor in their assessment during the determination of your entitlements.
In the event of a denial of your claim, it is imperative to challenge the decision through an appeal. Enlist the services of a personal injury attorney to represent you in case you need to contest a denial. They possess extensive experience in dealing with workers’ compensation claims and are well-versed in the evidence that could sway the decision-makers towards granting you the needed benefits. The viewpoints of your personal doctor might be considered during the appeal process.
Irrespective of your preferences, consultation with a worker’s compensation physician is a prerequisite when confronted with a workplace injury. Should you feel dissatisfied with their treatment, legal counsel can provide the necessary assistance.
