Corporate Greed — Tricks the Insurance Company Uses to Deny Work Comp Claims

We all know the insurance company has tried every play in the book to reduce the amount they’ll have to pay out on your claim, and workers compensation cases are no different. 

Workers comp is especially important as these benefits often enable people to continue providing for their families despite dealing with a serious injury. Of course, any time you have to go through an insurance company to settle your claim, there are sure to be a few hiccups along the way. 

Before you go up against the insurance company, take a look at some of the most common ways the insurance company could take advantage of you and learn more about how you can prevent it from happening. 

Workman’s Compensation Laws May Vary by State, But Insurers Remain the Same

Since workers compensation isn’t federally regulated, and in some states, isn’t even a requirement for employers to carry, many insurance companies who are nationwide either don’t pay attention to how the state laws work, or attempt to get around them. 

One workers comp attorney in Iowa said, “The insurance company is losing money by settling a claim, so it makes sense that they would use bad faith tactics to deny deserving claimants.”. 

Essentially, this means that insurers will do things like refuse to settle your claim in a timely manner, deny you for having a pre-existing condition that had nothing to do with your work injury, or even go so far as to tell you that you don’t qualify for work comp benefits when in reality, you have every right to pursue and collect benefits.

3 Ways to Make Sure You Aren’t Taken Advantage Of

Unfortunately, without more information about the details of your policy and how workers compensation works in your state, ensuring you aren’t taken advantage of by the insurer can be a challenge. But, if you follow these three guidelines, you can decrease your chances of losing out on the benefits you are entitled to: 

  1. Ask for a copy of your company’s workers compensation policy. This can give you the opportunity to review the pertinent details and do your research about when you will actually qualify for benefits.
  2. Make sure to file your own workers comp claim with the Commissioner in your area. Typically your employer is supposed to file this for you, but to cover all of your bases, it’s best to take matters into your own hands as well.
  3. Don’t be afraid to threaten legal action. Look, the insurance company isn’t going to think twice about denying your claim if they think they can get away with it. If you threaten bringing an attorney in to settle, or actually direct them to handle all communication with your lawyer, chances are they’ll take you more seriously.

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