If you sustained an injury while you were at work, you are going to have to deal with your employer's worker's compensation insurance company. When working with your employer's worker's compensation insurance company, you need to keep in mind that they are out to protect their best interests and bottom line, not yours. Here are three things you need to watch out for while working on your claim with them.
They May Push You to See Their Doctors
Be prepared for your employer's worker's compensation insurance company to push you to see their own doctors in relation to the injury you sustained. Just because they are pressuring you to see their doctors does not mean that you have to see them for all of your treatment. You only have to see them for an independent medical examination if your insurance insists upon it.
Many insurance companies push you to see their doctors because they know how they rule on cases and they know that there is a better chance that the case may go there way. The doctor they may recommend may have a conflict of interests.
You are entitled to see your regular doctor for your work related injuries. Let your worker's compensation insurance company know the name of your doctor.
They May Dispute Your Injuries
Do not be shocked if the insurance companies tries to denies the extent or existence of your injuries.
You can protect yourself by completing an injury report as soon as it occurs. You should also seek immediate medical care. If anyone witnessed your injury, ask them to write down what they saw and provide a copy to your employers. This will help support your claim. Document everything you experience and go through in relation to your injury and how it affects your life.
The more evidence you have, the more difficult it will be for the worker's comp insurance company to deny your claim.
They May Be Watching Your Social Media Accounts
Finally, you should be careful about posting anything to your social media accounts while dealing with a worker's compensation claim. Many worker's compensation insurance companies monitor the social media accounts of people who file claims. They are looking for any sign that what you are saying is false or untrue.
If you post something that they see as fraud or abuse of the system, they can deny your claim. Remember, they are always trying to save themselves money. Even innocent comments, like you are feeling great today, can be used to show your claim is false. If you can, go on a social media blackout during your claim process.
Your employer's worker's compensation insurance company is not your friend nor are they on your side; they are looking out for their bottom line. If they can find a way to deny your claim, it saves them money. Be very careful with your interactions with them. If possible, employ an attorney at Law Offices of Terry Katz & Associates to help represent you with the insurance company.