Workers’ Compensation Tips: Remember to Explain How It Happened

Posted on : June 26, 2017

You might assume that your supervisor witnessed the accident, that you already filed a report, or that the other evidence like your medical records and your photos support your claim. 

 

However, you have to be very specific when explaining what happened on the job when you sustained an injury. Insurance companies will deny your workers’ compensation claims if your immediate medical records after the accident did not appropriately describe the injury and the accident. This may be a problem if it was your doctor or other healthcare providers who prepared these materials and not you.

 

This is why it is crucial that even at the outset of your case, before you are even sure whether or not you will be filing a workers’ compensation claim, that you do your best to explain to your healthcare providers how the accident happened. Documenting this in your medical records can ultimately have a serious impact on the outcome of your case so providing as much detail as possible is strongly recommended.

 

Not only will this help the insurance company determine what happened in the on the job injury and accident but it is also advised to give your doctors all of the information they need to make a decision about your treatment and any further testing to determine your diagnosis. Telling them the basics and explaining that the accident happened at work is a must.

 

Make sure that your healthcare provider writes it down correctly. The insurance company and the workers’ compensation system put a great deal of weight on the first report of injury which is why it is essential that you draw a connection between the injury and your job if you think that there was any link between the two.

 

For injuries that have built up over a long period of time such as a repetitive stress injury, you may not realize this the first time that you visit the doctor for the problem but you may wish to suggest this to your physician if you believe that it could have in anyway played a role in the injuries you have sustained.