Most employees in Oklahoma are covered by the workers’ compensation system, which means they are entitled to benefits after a work-related injury. But sadly, many injured workers find it difficult to obtain the benefits they are entitled to by law. Here are eight of the most common reasons why workers’ compensation claims are denied:
- You failed to report your injury on time. Employees must report on-the-job injuries to their employer within 30 days. If you miss this deadline, the insurance company could reject your workers’ compensation claim.
- Your injury was not work-related. The workers’ compensation system only covers injuries that arise out of the course and scope of employment, so an insurance company will deny claims for non-work-related injuries. Even injuries that occur during meal breaks or in a parking lot outside of the employer’s building are typically not covered.
- Your injury occurred when you weren’t working. Your employer’s insurance company does not cover injuries that were sustained before you started working or after you are terminated.
- Your injury was the result of negligent behavior. The insurance company will want to know how the injury was sustained prior to approving your claim. Your claim may be rejected if your injury occurred during horseplay or if you were physically fighting with another employee. If you were under the influence of drugs or alcohol when the injury occurred, your claim may be denied.
- You did not receive medical treatment. Without supporting documentation that shows you were treated for an injury, you will not have the medical records you need to support your claim for benefits.
- You were not treated by an approved medical provider. Your employer has the right to choose a medical provider to treat your work-related injuries. If you go to your own doctor instead, you will not be entitled to workers’ compensation.
- Your injury or illness is from a pre-existing condition. If you had an illness or injury prior to starting your job, you will not be able to claim workers’ comp benefits unless your job makes your pre-existing condition worse.
- There were no witnesses. If there were no witnesses or video footage of your injury at the time it occurred, your employer’s insurance company may question your workers’ comp claim and it could be denied.
Do not give up if your workers’ compensation claim has been denied. In Oklahoma, you have the right to file an appeal and continue fighting for benefits.
Has your workers’ compensation claim been denied? If so, contact Armstrong & Vaught, P.L.C. at once. Let our experienced attorneys assist with your appeal to secure the benefits you deserve. Call us now at 918-582-2500, toll free at (800) 722-8880, or contact us online for a free consultation with a skilled attorney.