Why Would an Employer Dispute a Workers’ Comp Claim?
If you have been injured while you are working, you have certain rights in many states that are provided by workers’ compensation insurance. The injury may be directly related to the work or may be a cumulative trauma such as carpel tunnel syndrome or a disease caused by the occupation such as asbestosis. However, in many cases workers’ comp claims are denied. If you have filed for a workers compensation claim and it is denied you will get a letter that states the reasons that your claim was denied.
There are several common reasons that an employer will dispute or deny a claim for workers compensation. Time is one of the more common reasons that a claim is denied. Many people do not realize that the claim has to be filed immediately, typically within a matter of a few days. The employer must report this claim to their workers’ compensation insurance immediately as well.
Employers will sometimes dispute a claim. One of the reasons that an employer may dispute the claim is that they deny that the accident happened at work. The employer may also dispute that the injury or illness was not caused by the accident. If your employer denies your claim you will need to gather evidence in order to support the claim. This may be in the form of witness accounts, doctor’s statements, or other documentation of how the accident/injury occurred.
Employers will typically look for reasons to deny a claim because of money. Each time a workers’ compensation claim is made, the employer will see a rise in their insurance premiums. Denying claims is a way that they can help decrease the amount that they have to pay for insurance and liability.