Compassionate Guidance For Workers’ Compensation and Social Security Disability

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Why did the insurance company deny my workers’ comp claim?

On Behalf of | Nov 8, 2022 | Workers Compensation |

If you sustain an injury or contract an illness that is attributable to your work, you may be entitled to compensation for your medical bills and other damages. While most workers’ comp claims are settled out of court, a few end up before the judge. But what happens when both the insurance company and the court decline your claim?

Well, it is not uncommon for a workers’ compensation claim to be denied. If this happens, you might want to know what went wrong so you can explore your appeal options. Depending on the circumstances of your case, here are some of the missteps that can lead to the denial of your workers’ comp claim:

Insufficient or improperly submitted paperwork

Make no mistake, the process of convincing the insurance company that you deserve compensation following a work-related injury is anything but easy. You need to go through loads of paperwork and provide relevant evidence. A single mistake is all it takes to jeopardize your claim. 

Delay in filing your claim

There are a couple of steps you need to take immediately following an injury at work. First, you need to seek treatment ASAP. Second, you need to let your employer know about the injury. And, third, you need to file your claim within the statute of limitations window. In Arizona, you have one year from the date of your injury or discovery of your illness to file a claim. 

Disputes regarding your injuries

Workers’ compensation claim, as the name suggests, is specifically designed to provide financial restitution for employers who are hurt at work. This means that your injuries or illness must be work-related to be eligible for compensation. If there are doubts regarding the origin of your injury, or if you have underlying conditions that make it difficult for the doctor to conclusively tie your injuries or illness to your work, then your claim may be denied. 

If you are hurt at work, you deserve financial restitution for your damages. You may need to find out how you can pursue a formidable appeal if your Arizona workers’ comp claim is denied