Maximizing Workers' Comp Claims
Every injured worker is entitled to workers' compensation benefits if their injury occurred on the job. However, there is no exact amount of benefits that every worker must get; it depends on different factors all determined by the circumstances of your injury. This means it's up to you to see that you receive the maximum benefits for your case. Here are a few ways to ensure this is the case:
Be Thorough When Taking With the Medical Provider
The nature and extent of your injuries are the primary determinants of your benefits. The workers' compensation insurance carrier will use your medical records to evaluate your injuries. Do your part and help your medical provider generate a good report by being as thorough as possible during your consultation. Don't leave anything out; don't leave out even seemingly minor injuries if you wish to maximize your claims. For example, don't ignore that "minor" back pain at the expense of your severed finger.
Create and Preserve a Detailed Paper Trail
Your workers' compensation amount is determined by what you can prove. Apart from witnesses' testimonies, most of your proofs will come in the form of documents. This includes injury reports, prescribed treatments, test results, appointment logs, and communications with everybody connected with your claim. That way you can always have something to prove your claim when called upon to do so.
Follow Your Doctor's Advice
It's not enough to seek prompt medical advice; you also need to follow that advice. Otherwise, the insurance carrier might argue that you contributed to your injuries and reduce your damages. For example, if your doctor advises you to avoid alcohol while taking a certain medication; heed the advice. If the insurer gets proof that you continued taking alcohol despite your doctor's advice, they can use the information to minimize your damages.
Negotiate the Settlement Offer
After presenting your case to the insurance company, they will make you an offer that may or may not be reasonable to you. The rule of thumb here is to negotiate whatever offer you are given; even the insurer and employer expects it. Even if the offer seems reasonable to you, there is no harm in negotiating; you might just find yourself improving it further.
Hopefully, you won't have a problem with your worker's compensation claim and you will get what you deserve. In addition to the above claim, it's also a good idea to consult a workers' compensation lawyer experienced enough to have handled similar cases in the past.
