Getting injured at work is a tough pill to swallow, especially when your family relies on your income to survive. Being unable to do anything but rest and try to recover from your injuries can be difficult. When your workers compensation claim is denied, it can be worse.
You may not know what to do if workers comp denied your claim, and that’s OK—it’s a common problem but likely not one you’ve been through before. Luckily, our attorneys at Pothitakis Law Firm, PC can guide you through the process and fight for your work comp benefits so you have them when you need them.
Getting a Reason for Your Denial
Iowa law requires insurers to include a reason for your work comp denial. This should explain why your claim was denied and what you can do about it.
Most denials come from a lack of information. The insurance company needs to know that your injury was work-related and serious enough to warrant compensation. This may require other doctor appointments or proof that your injuries should be covered.
Denials are common, but our firm can make sure you have the coverage you need. The following are some common reasons why work comp claims are denied in Iowa:
Lack of Medical Care – Your insurer needs evidence that your injuries are serious enough to warrant work comp benefits, and if your condition wasn’t treated or wasn’t treated immediately, the insurance company may initially deny your claim.
Disputing Your Injury – Your insurer or employer may simply be unsure that your injury happened at work. In these cases, you need to provide more evidence, typically through a medical exam.
Statute of limitations – Time limitations are enforced by law—not the judgment of your insurer. If you wait too long to file your claim, you could be denied.
Appealing Your Work Comp Denial
You have options to appeal a workers comp denial. First, your insurance company’s denial should include a reason for the denial. Once you know what’s supposedly missing from your claim, you can find the requested evidence and get your claim approved.
Unfortunately, you may need to take further steps. If you believe you should receive workers compensation anyway, speaking with a workers compensation compliance administrator should be your next step. These officials can walk you through your issues and investigate your case. Of course, your attorney can handle steps like this on your behalf.
If this doesn’t help your claim, you’ll need to go before the Iowa workers compensation commissioner with your case. Having an attorney on your side at this stage can make or break your case.
Getting the Help You Need
If you’re struggling with your Iowa workers compensation claim, know that you have options. When you’re not sure what to do if workers comp denied your claim, our attorneys can help. We can walk you through the problems and get you the benefits you’re entitled to.