Whether your job is inherently dangerous, such as construction, or you have a relatively low-risk occupation, you may find some comfort in knowing your employer carries workers’ compensation insurance. This insurance offers a variety of benefits for those who suffer injuries in the course of their duties at work. If you have an accident on the job or develop a work-related illness, you may receive funds to cover a portion of your lost wages, medical expenses and other things you may need to recover and get back to work.
However, if you recently filed a claim for workers’ compensation, you may have been shocked and disappointed to receive a letter from the insurer saying that they had denied your claim. While medical bills pile up and your income has dwindled, you may feel some concern and frustration. Fortunately, you may have options.
Why did the insurer deny my claim?
Minnesota workers’ compensation laws can be complex. In fact, many employees find it is helpful to work from the very beginning with an attorney who has experience in workers’ compensation claims. Nevertheless, if your claim comes back denied, the letter you receive should explain the reasons why the insurer refused to cover you. The explanation may include any of the following factors or others that commonly lead to claim denials:
- Your boss or your insurer do not believe that your injury occurred at work.
- You cannot prove that your injury or illness is related to your job.
- The condition may have occurred on the job, but it may be one of those that state law excludes from coverage, such as a mental health condition that is not the result of a physical injury.
- You did not follow the rules for reporting your injury or illness to your employer within the allotted time.
- You did not file your claim with the workers’ compensation insurer before the deadline passed.
- You did not receive medical treatment for your injury or illness, or you failed to follow medical advice for treating your condition.
You may have a valid defense for any of these reasons for denial, and you are within your rights to appeal the decision. Keep in mind that the insurer is not eager to pay benefits for your injury and may be looking for a way to save money on your claim. This is why it is smart to begin the appeals process with a visit to a skilled attorney who can help you deal with the insurers and improve your chances of a positive outcome.