If you've been injured in a work-related accident, don't take chances with your worker's compensation benefits. Many people make mistakes early on in the process that end up costing them their benefits. Worker's compensation is designed to provide you with medical care and financial compensation while you're recovering from work-related injuries. If you've been injured at work, here are four steps you need to take to make sure you receive the compensation you're entitled to.
Report the Accident
If you haven't reported the accident yet, you need to do that as soon as possible. The claims process doesn't begin until your employer is notified of the incident. Even if you've told your doctor about the accident, you still need to file an accident report with your employer. Once your employer has been notified, they'll submit paperwork to the insurance company, who will open a claim for you.
Give Your Doctor All the Details
When you talk to your doctor about the accident, it's important that you provide as many details as possible, including where you were, what you were doing when injured, and what parts of your body were involved in the accident. This information is crucial for your doctor to provide the medical care you'll need. Even if you think the accident was minor, you should still visit the doctor and provide details. You never know when a minor injury could turn into a major disability later. If you haven't visited the doctor or if you didn't provide complete details, you could lose out on benefits.
Don't Use Your Own Medical Insurance
If your employer asks you to use your own medical insurance, refuse. First, it's not your responsibility to provide for your own medical care. Second, your medical coverage may require you to pay deductibles and co-payments. Finally, your medical coverage might not cover all the services that your injuries will require. If you've been injured on the job, worker's compensation is required to pay for all your necessary medical care, without co-pays or deductibles.
Seek Legal Advice
If you've been injured in a work-related accident, you need to seek legal advice as soon as possible. Insurance companies are in business to save money. If you don't have legal representation, you may not receive everything you're entitled to.
Don't take chances with your worker's compensation claim. If you've suffered on-the-job injuries, make sure you receive the compensation you're entitled to. Use the information provided here to avoid costly mistakes. If you have questions or concerns regarding your worker's compensation claim, be sure to speak to an attorney at a law firm such as Zavodnick, Perlmutter & Boccia LLC.