Not all job site injuries in Kentucky qualify for workers’ compensation. In fact, a single mistake could disqualify your claim. It’s important to follow the right procedures after you suffer from an injury even if you don’t think it’s necessary.
What might cause the insurance company to deny your claim?
The workers’ compensation insurance company might deny your claim if you didn’t tell your employer about the incident. Your employer has to document the accident to prove that you injured yourself at work. Otherwise, the insurance company has no idea if your claim is legitimate or not. For all they know, you could have injured yourself at home and claimed that it happened at work.
The insurance company might also deny your claim if you didn’t see a doctor right away. Getting medical records on file is another way that you can prove the incident took place on the job. If you didn’t go to the doctor, the insurance company might think that you’re lying about your injuries. Even if you do see a doctor, you’ll have to see an employer-approved medical professional. Otherwise, the insurance company might rule that your claim is invalid.
Finally, the insurance company might deny your claim if a pre-existing condition caused your injuries. You can’t report anything that happened outside of work or before you started working for your current company. However, you might be able to file a claim if your workplace injury worsened a condition. A workers’ compensation attorney may be able to tell you if you qualify or not.
How do you know if you qualify?
Many people lose their chance to file an otherwise valid claim because they don’t follow the right procedure. Others are eligible to file a claim but miss out on their chance because they assume that they aren’t qualified. If you’ve suffered any type of injury at work, contact an attorney.