Workers’ compensation compensates workers for medical expenses and lost wages that result from their work-related injuries. While employers are required to carry workers’ comp insurance, a lot of claims are denied. If you have sustained injuries on the job and want to file a workers’ comp claim, you should consider the benefits of hiring an Ashburn workers comp attorney. Your attorney will explain how the claims process works and inform you of your legal options. Here’s what you should do when filing a claim:
Report Your Work-Related Injury
You must notify your employer about the injury you sustained while performing your job duties. If you fail to report the injury on time, your claim’s value can be reduced or the insurance company may deny your claim. When reporting your injuries to your employer, ensure you give as much information as possible including when and where the accident took place, how the accident happened, and your symptoms.
Once you notify your employer, they may request you to fill out an accident report. You can use the report when your claim is disputed. Your employer has ten days to file your report with the Virginia Workers’ Comp Commission.
Seek Medical Attention
You must a doctor to get a diagnosis of your condition. Your employer may require that you visit their chosen doctor. But you are only required to do this once. If you prefer to visit the same doctor again, they will serve as your treating doctor. When you consult with your doctor, they will diagnose your condition and give you appropriate prescriptions. Ensure you advise your physician that your injury is work-related. Your treating doctor must file a report after your initial examination and upon request.
Wait for the Insurer’s Decision
After the Commission gets your forms, the insurance company of your employer will be notified of your claim. Also, you will get a letter that contains details on the insurer. When the insurance provider gets your claim, it will decide whether to approve or deny it up to twenty days from the notification date. The provider will review your medical records, analyze your work experience, order a medical exam, and evaluate your ability to carry out your work duties.
Throughout the investigation process, your attorney will ensure accuracy and honesty. Investigators will look for inconsistencies in your medical reports and statements. Giving inaccurate information can lead to a denial of your claim. If the insurer approves your claim, you will get benefits immediately.