A workplace injury can leave you dealing with pain, medical bills, and time away from your job. Workers’ compensation benefits help injured employees cover medical expenses and replace some of their lost wages.
But not every claim is approved. Understanding some of the reasons why insurance companies may deny a claim can help you protect your rights after an on-the-job injury.
1. Waiting too long to report your injury
A common mistake injured workers make is waiting too long to tell their employer about an injury.
In Minnesota, employees typically must notify their employer of a workplace injury within 14 days of the incident. However, the law does allow additional time in some circumstances. For example, an employee may have up to 180 days to give notice if the employer has actual knowledge of the injury or the employee has a reasonable excuse for the delay.
It’s best to report an injury during the same shift, or as soon as possible. Waiting can give the insurance company a reason to question whether the injury actually occurred at work.
2. Failing to explain how the injury happened
Simply telling your employer you’re injured doesn’t provide enough information. Your report should include as much detail as possible, including where you were, when it happened, what you were doing and what symptoms you experienced. Include names of witnesses, if possible.
If your injury developed over time due to repetitive motions, such as carpal tunnel syndrome, explain the work activities that you believe caused your condition.
3. Not getting medical treatment
Another common mistake is waiting too long to see a doctor.
You may think an injury is minor and will improve on its own. But some workplace injuries become worse over time. Delaying treatment also makes it harder to show that your condition is related to your work.
The steps you take after an injury can impact your workers’ comp claim. Report your injury promptly, seek medical treatment and follow your doctor’s instructions. And if your claim is denied, you still have options. Speak with a legal professional who can review your case and help you understand your rights and options for moving forward.
