What happens if your workers’ comp claim comes back denied?

When you suffer an injury in a North Carolina workplace, you understand how difficult it can be to pick up the pieces and move forward. You may be struggling with injuries after a work-related accident, and your family could be experiencing negative financial effects because of lost wages, medical bills and other complications. It can be devastating when a workers’ compensation claim comes back denied.

A denied claim is a frustrating setback, but it’s not the end of the road for you. Once you understand why your claim came back denied, you can begin to move forward with the next steps. It may be possible for you to rectify mistakes and appeal, eventually securing the workers’ compensation benefits you deserve. When it comes to your recovery after a work accident, you don’t want to leave any money on the table.

Why do insurance companies deny claims?

Insurance companies do not have your best interests in mind. They may look for ways to protect their own bottom lines, which means you may have to fight for the benefits you deserve. Some of the most common reasons why your claim may be denied includes the following:

• You did not provide enough documentation to prove your injury relates to your work.
• There is not enough evidence that your injury required medical treatment.
• Your employer is disputing the claim or denying your version of events.
• You did not report your injury on time, or you did not file your claim within the required window of time.
• Your injury may not be compensable.

The letter from the insurance company informing you of your denied claim should include a reason for the denial. You can provide additional evidence, such as more medical records or letters from your doctors that will validate your claim. You have the right to appeal and continue your fight for financial support.

Where should you start?

If your workers’ compensation claim came back denied from the insurance company, you don’t have to give up hope. It is still possible to secure the benefits you need, but you may find it helpful to learn more about what you need to further validate your claim. You have the right to pursue what you need for a full and fair recovery in hopes of getting your life back on track.