7 Things You Probably Didn’t Know About Workers’ Compensation
Bryan Greenberg
Workers’ Compensation
Workers' compensation is necessary insurance coverage that business owners provide to employees that cover lost wages or medical expenses associated with injuries in the workplace. Many people think that workers' compensation is simple until their claims are denied and have no choice but to seek the help of a workers' compensation attorney. In this post, we will talk about the things you probably didn’t know about workers compensation you must be aware of.
Workers' compensation is necessary insurance coverage that business owners provide to employees that cover lost wages or medical expenses associated with injuries in the workplace. Many people think that workers' compensation is simple until their claims are denied and have no choice but to seek the help of a workers' compensation attorney.
In this post, we will talk about the things you probably didn’t know about workers compensation you must be aware of.
Volunteers May Not Be Covered
Unwarranted employees are not covered by workers comp. It is up to the employer to purchase coverage for volunteers. With that said, if you plan to volunteer and the job is risky, make sure the company has enough coverage for you should something unfortunate happen.
You Can Reverse Denials
As mentioned, workers compensation claims are not always approved. Should your get denied, know that there are some situations when you can reverse this. You can flip a denial by filing an appeal and seek the help of a lawyer. Workers comp denials occur due to a variety of reasons such as, the injury did not happen at work, it was a pre-existing injury, or there’s a dispute whether the injury is real or not.
Some Pre-Existing Conditions May Be Covered
A lot of employees think that they will not be covered when they have a pre-existing condition; but that’s not always the case. Certain conditions are still eligible for workers comp, such as when the tasks worsen the condition.
It Can Be Your Fault But Still Be Covered
Keep in mind that workers’ compensation is a no-fault program. Therefore, even if your actions caused the injury, you will still be covered in most cases. However, there are several exceptions here, such as intentional acts and injuries.
You Don’t Need A Pre-Authorization To Get Treatment
There is no need for an insurance adjuster to pre-authorize treatment. The only reason you may be asked to get one is when a doctor asks for a prospective Utilization Review for a specific treatment plan. However, this rarely happens.
You Might Need To Go Back To Work
If you were released by your doctor and go back to work with some adjustments and your employer is willing to meet them, you should get back to work. As soon as you go back to work, you need to work closely with your physician to monitor your progress. However, when you are released to work, it’s important to talk to a lawyer to ensure you are protected fully.
Your Benefits Won’t Stop Without Notice
When you begin receiving your benefits, an insurance company can’t just stop paying unless you get a Notice of Suspension or you signed a Supplemental Agreement. Your benefits will continue until a judge determines you are no longer entitled.
Knowing these things about workers’ compensation is important. These things will help you understand better how it works. Additionally, workers’ compensation attorney will be extremely helpful in this case.
< h2>Volunteers May Not Be Covered
Unwarranted employees are not covered by workers comp. It is up to the employer to purchase coverage for volunteers. With that said, if you plan to volunteer and the job is risky, make sure the company has enough coverage for you should something unfortunate happen.
You Can Reverse Denials
As mentioned, workers compensation claims are not always approved. Should your get denied, know that there are some situations when you can reverse this. You can flip a denial by filing an appeal and seek the help of a lawyer. Workers comp denials occur due to a variety of reasons such as, the injury did not happen at work, it was a pre-existing injury, or there’s a dispute whether the injury is real or not.
Some Pre-Existing Conditions May Be Covered
A lot of employees think that they will not be covered when they have a pre-existing condition; but that’s not always the case. Certain conditions are still eligible for workers comp, such as when the tasks worsen the condition.
It Can Be Your Fault But Still Be Covered
Keep in mind that workers’ compensation is a no-fault program. Therefore, even if your actions caused the injury, you will still be covered in most cases. However, there are several exceptions here, such as intentional acts and injuries.
You Don’t Need A Pre-Authorization To Get Treatment
There is no need for an insurance adjuster to pre-authorize treatment. The only reason you may be asked to get one is when a doctor asks for a prospective Utilization Review for a specific treatment plan. However, this rarely happens.
You Might Need To Go Back To Work
If you were released by your doctor and go back to work with some adjustments and your employer is willing to meet them, you should get back to work. As soon as you go back to work, you need to work closely with your physician to monitor your progress. However, when you are released to work, it’s important to talk to a lawyer to ensure you are protected fully.
Your Benefits Won’t Stop Without Notice
When you begin receiving your benefits, an insurance company can’t just stop paying unless you get a Notice of Suspension or you signed a Supplemental Agreement. Your benefits will continue until a judge determines you are no longer entitled.
Knowing these things about workers’ compensation is important. These things will help you understand better how it works. Additionally, workers’ compensation attorney will be extremely helpful in this case.