Ten Things your Insurance Company doesn’t want you knowing about your Workers Compensation Claim

  1. The Insurance Company is in the business of making money by denying claims and limiting the amount of money they pay. In other words, if they can legally stop paying your checks, they will.
  2. You were sent to a certain doctor for a reason – usually because the doctor will cooperate with the insurance company, take the employer’s side in most disputes, and return you to work as quickly as possible.
  3. Like it or not, the Rehabilitation Nurse assigned to your case works for the insurance company.
  4. Your employer or the insurance company may tell you that you don’t have a claim because you didn’t report the incident immediately in writing – this is not true.  You have 30 days from the date of the accident to give your employer written notice.
  5. Pre-existing conditions are mostly irrelevant to the payment of Workers Compensation benefits.  If you could previously work, and the accident aggravated a pre-existing condition causing you to not be able to work, then you are entitled to benefits.
  6. There are only two ways that your benefits can be cut off once you start receiving them – if you go back to work or if the Industrial Commission gives the insurance company permission to stop paying you.
  7. The Average Weekly Wage is one of the most important numbers in your case – as it provides the basis for all of your future benefits.  Overtime, per diem, tips, and bonuses should be included in this calculation, but are frequently left out by your employer when they report your average weekly wage to the insurance adjuster.
  8. The insurance company will frequently deny your claim – even though your claim is legally valid.  If your claim is denied, you should contact an attorney immdiately.
  9. If your family has to take care of you while you are injured, they may be entitled to benefits as well.
  10. It is possible to lose your job while you are on Workers Compensation.