5 Things To Do When Your Company Refuses To Cover Work-related Injury Bills

An injury at work can be one of life's most stressful events. Not only are you dealing with the pain and recovery process, but when your company refuses to cover the medical bills, the situation becomes all the more challenging.

If you're faced with this predicament—where your employer won't pay for statutorily required workers' compensation claims—you need a clear plan and a strong understanding of your rights. This article includes five crucial actions to guide you through this tough situation. We'll address understanding your rights, seeking legal counsel, gathering evidence, exploring alternative coverage, and safeguarding your job security.

Know Your Rights

The first step in asserting your claim is understanding your rights. Workers' compensation laws vary by state, and it's crucial to educate yourself on the statutes that pertain to your case. In many instances, injuries sustained on the job entitle you to medical treatment paid for by your employer’s insurance once your claim is approved.

Start by reviewing your company's workers' compensation policy to understand the framework under which you're covered. Be aware of any limitations or clauses that might affect your eligibility. It's also wise to stay informed about state laws and regulations that protect employees in your situation.

Remember to document everything from the moment the incident occurred, including what happened, who was present, and any statements made by your employer. This information will serve as critical evidence as you pursue your claim.

Seek Legal Assistance

When you're up against a company that is denying your claim, it's not the time to go it alone. Seek out a skilled workers’ compensation lawyer or attorney. An attorney can advise you on your rights and represent you when dealing with your employer or insurance company.

The legal process for workers' compensation claims can be complex, and an experienced lawyer can guide you through each stage. From filing the initial paperwork to representing you in hearings or appeals, legal assistance is invaluable.

Find a lawyer who specializes in workers' compensation, and don't be afraid to ask about their track record. Many attorneys offer free consultations, which can be an important first step in evaluating your case.

Gather and Preserve Evidence

Solid evidence can make or break your workers' compensation case, particularly when your employer disputes the injury's cause or its severity. Get copies of all relevant medical records, which should clearly state the nature of your injury, the treatment provided, and any work restrictions recommended by your healthcare provider.

Additionally, gather witness statements and, if possible, security camera footage. Tangible evidence like safety reports, equipment maintenance logs, or any photos of hazardous conditions can also support your case.

Keep a record of all communications with your employer and the insurance company. Note the date and time of each conversation, the individuals involved, and a brief summary of the discussion. This log will be crucial in proving your claim and protecting your rights.

Explore Alternative Health Coverage

If your employer's insurance company still refuses to pay, it's time to explore alternative health coverage options. You may have health insurance through a spouse or a private plan that could cover your medical expenses.

It's not ideal or fair, but immediate treatment is more critical than waiting for a protracted legal battle. Seek medical attention as soon as possible to avoid exacerbating your condition. Your attorney can help you understand the interaction between your workers' compensation and health insurance coverage.

In some states, you can also receive workers' compensation insurance reimbursement once your claim is approved. Keep meticulous records of all expenses for potential later repayment.

Protect Your Job and Position Yourself for Return to Work

While you're navigating your injury claim, it's essential to protect your job. If your employer retaliates against you for pursuing your workers' compensation benefits, they could violate labor laws and be subject to additional penalties.

Understand your rights to medical leave and any accommodations necessary for your return to work. Your attorney can help you communicate with your employer to safeguard your role while you recover.

By taking these actionable steps, you're proactively ensuring that your rights are protected and that you have the best chance of obtaining the compensation you deserve. Remember, you're not alone in this fight—resources and professionals are available to help you. Don't hesitate to reach out and take the necessary steps toward a resolution. Your well-being and financial security are worth the effort.