Employees in the Collinsville, IL may face physical, emotional, and financial hardships as a result of workplace injuries. Fortunately, workers’ compensation exists to provide support and compensation for those who suffer injuries on the job. However, some insurance companies and employers may employ delay tactics to avoid paying out rightful claims promptly. In this blog post, we will discuss common workers’ comp delay tactics and offer practical advice on what to do if you find yourself facing such obstacles.
Common Delay Tactics
Incomplete or Incorrect Documentation: One of the most common delay tactics is the submission of incomplete or incorrect documentation. Insurance companies may request extensive paperwork, and if any piece is missing or inaccurate, they will use it as a reason to delay processing your claim.
Excessive Requests for Additional Information: Some insurers may repeatedly ask for additional information, medical records, or documentation that they already possess. This can cause unnecessary delays in the claims process.
Medical Examinations: Insurers often request that claimants undergo an independent medical examination (IME) by a doctor of their choosing. In some cases, these exams can be biased in favor of the insurance company, leading to delays and disputes.
Denial of Liability: Some employers and insurance companies may initially deny liability, forcing the injured worker to go through a lengthy appeal process. Its will more than likely only result in more unneeded stress and delays.
Litigation Threats: Threats of litigation or denial of benefits may be used to intimidate claimants into accepting less compensation than they deserve or to delay the process further.
What to Do
Seek Immediate Medical Attention: If you’re injured at work, prioritize your health and safety. Seek medical attention promptly and ensure your injuries are properly documented. This will provide you with a strong foundation for your workers’ compensation claim.
Notify Your Employer: Report the injury to your employer as soon as possible. This step is crucial because it ensures that your employer and their insurance company are aware of the incident from the beginning.
Document Everything: Keep thorough records of your injury, medical treatments, doctor’s visits, and any correspondence related to your workers’ comp claim. This documentation can be invaluable if you encounter delays or disputes.
Consult with an Attorney: Consider consulting with a workers’ compensation attorney who specializes in these cases. An attorney can help you navigate the complex legal process, negotiate with the insurance company on your behalf, and protect your rights.
Follow All Instructions: Cooperate with the insurance company’s requests, but do so cautiously. Consult with an attorney in the Collinsville, IL area before undergoing an independent medical examination or providing additional information. This will help ensure that you don’t inadvertently give the insurer ammunition to further delay or deny your claim.
Appeal If Necessary: If your claim is denied or delayed unfairly, don’t give up. Consult with your attorney about filing an appeal. The appeals process can be time-consuming, but it’s often the only way to secure the compensation you deserve.
If you have any questions about these worker’s compensation delay tactics, contact Brunton Law Office today!