Two Quick Tips for Dealing with your Workers Compensation Case
Remember, workers comp insurance companies are looking for ways to deny or limit your workers comp benefits - both money and medical treatment (and future benefits, too). They have a team of insurance adjusters, nurses, lawyers, doctors, case managers and investigators working against you from the moment you get hurt at work.
Here are some fundamental, easy to do things to keep your workers comp case on track.
1. Do NOT miss a medical appointment.
Be sure to keep all medical appointments, if you have to miss one reschedule it as soon as possible. Ongoing medical treatment is important for your recovery, but also for keeping your workers comp case on track. The doctor should send a medical report to the insurance company to verify your ongoing disability, authorize and pay for medical treatment, and issue a check for benefits.
Missing medical appointments will cause them to question everything about your case. Are you really injured? Are you working on the side? Did the accident happen like you said it did? Don't give them an opportunity to assume that every hard working American is faking or complaining.
We just talked to someone whose benefits were cut off by Hartford because he missed one physical therapy appointment. Missed one appointment and Hartford stopped his weekly benefits check!
2. Get a disability slip (or out-of-work slip or doctor's note) every time you go to the doctor.
When you see your doctor, he or she should tell you whether you need more medical treatment or therapy, whether you can't work because of your injuries, or whether you can work light duty, with restrictions. Your doctor's opinion on your work status is important - he or she needs to give that to you in writing so the workers comp insurance company has an updated status on your condition.
But Do NOT rely on the receptionist or nurse to fax this to us and the insurance company. Often they will get busy and forget to do it! Most insurance companies will stop paying benefits if they do not receive an up to date disability slip. Make sure you get it yourself!