The steps you take after suffering a work-related injury should be simple – seek the necessary treatment immediately and file a workers’ compensation claim to get the financial support you need from your company. Unfortunately, there are circumstances under which your employer and their insurance provider might deny your claim.
A compensation denial that your employer makes solely to keep their insurance premiums low is an example of bad faith. However, you should be aware of valid reasons that your claim might meet denial so that you can ensure your claim goes through successfully.
1. Submitting your claim after the deadline
It is good practice to notify your employer of an injury promptly and file a claim as soon as possible. However, the New Hampshire Department of Labor outlines the timeframe for filing a claim and allows claimants to pursue compensation as long as they notify the employer within 2 years of receiving an injury.
2. Incorrect information on claim forms
Before finalizing the submission of your workers’ compensation claim, review all relevant information for accuracy. Your employer may have the right to deny a claim on the grounds of blatant discrepancies.
3. Insufficient proof of injury
The burden of proof is on you to show that your injury is the result of work-related tasks or conditions. You should include any evidence, such as medical records and witness testimony, when filing your claim.
After suffering a grievous injury, your workers’ compensation benefits might be your only option for affording treatment. While an initial denial does not necessarily mean you cannot receive compensation, it will set the process back.