Every day, people who work in the public safety and construction industries commit their skills and time to make sure our lives run efficiently. Suppose you’re a firefighter, police officer, or construction worker, or employ these types of workers. In that case, you know that the chances of having a severe accident at work are higher than average.
You face possible hazards that many other professionals don’t have to think about during the day, such as watching for cars while you’re directing traffic on a busy street, saving someone from a fire while trying to remain uninjured, or trying to keep a potentially dangerous situation from escalating.
While some of the effects of an accident can put you out of work for a few weeks, some accidents can alter your entire life permanently.
If you’re hurt at work, you deserve to receive all the benefits you are entitled to. However, you have to make sure you fill your workers’ compensation claim correctly.
If you’re an employer, there are some mistakes in workers’ compensation claims that could delay compensation for your workers. Here are four mistakes to look out for, whether you’re an injured worker or an employer.
1. An Improper Accident Report
The most crucial step to take when filing a workers’ compensation claim is making sure all forms are filled out correctly.
Immediately after the injury occurs, you should do your research as an employer. Get in touch with human resources to find out when and where the accident occurred and what the worker was doing at the time of the accident.
The sooner the claim is filed, the more valid the claim likely is. If you are the one who is injured, make sure you contact the proper department so you can fill out an accident report.
2. Inconsistent History
If you’re running a company, the medical provider that offers insurance to your employees requires detailed reports of your workers’ current physical condition and health information.
If these reports are unclear or missing information, this could affect the benefits employees receive. If an employee sues you concerning workers’ compensation, you need to have medical documentation to prove why your employee deserves a settlement.
3. Not Reporting an Injury
In some states, you should file a workers’ compensation claim as soon as possible. If you wait too long, your claim could be forfeited. The time limit for filing is different for each case. Make it clear to your workers that a claim should be filed within 24 hours of the injury.
However, the statute of limitation is different for the appeals board. It means that a claim for an injury may be barred after a certain point.
4. Taking Less Than What Is Deserved
In some cases, insurance companies will give impairment benefits to an employee and won’t offer any more funds. Most employees don’t know they can request more funds depending on their injury.
Workers who now have a permanent disability from the accident could be entitled to more money. Some states will take several factors into account when determining a settlement amount.
A fair compensation can support workers in recovering at home and getting ready to return to work. That’s why your claim must be as accurate as possible. You should also file your claim in a timely manner.
If you don’t think you’re being fairly compensated for your work injury or your employer is not addressing your claim, it’s imperative to contact a lawyer as soon as possible.
An attorney who is experienced with these types of cases can communicate with the proper parties to make sure your settlement is as fair and expedient it can be.