Top Reasons Why New Jersey Workers’ Compensation Claim Are Denied
The last thing anyone wants to happen at work is to be involved in an accident that causes injuries. The aftermath of a workplace accident can be stressful, and it is not uncommon to feel uncertain when navigating all of the challenges that can come about in the aftermath of such an unexpected event. Workers’ compensation insurance that employers provide gives injured workers a lifeline to help take on the financial costs of dealing with a workplace injury, such as lost wages and the high cost of medical treatment.
However, filing a claim does not guarantee that it will be successful and that an injured worker will receive the much-needed workers’ compensation benefits. A claim can always be denied. When this happens, it can put an already overwhelmed and upset worker at an even more significant disadvantage, now facing the reality of taking on a legal battle.
Knowing your rights regarding workers’ compensation in New Jersey is essential. Meeting with an attorney and having your case reviewed can help you better understand what your legal options are as well as give you an understanding of why your workers’ compensation claim might have been denied. The South Jersey workers’ compensation attorney at Monaco Law PC welcomes you to reach out and schedule a complimentary consultation if you need assistance with a workers’ compensation claim.
Understanding Why a Claim is Denied
The New Jersey workers’ compensation system is no-fault. That means that when an injury accident happens at work, there is no need to prove who was at fault for the accident to get benefits. The laws are designed to allow injured workers access to coverage if they are hurt while on the job. As such, an injured worker should be able to collect benefits for medical treatment, compensation for serious impairments, and temporary or permanent disability payments.
Still, simply because a claim is submitted does not automatically mean that it will be approved, and there are numerous reasons that a claim can be denied. It is essential to understand that the goal of an insurance company is to reduce its costs and not pay large settlements, so finding issues with a claim to deny it is a top priority. Injured workers, though, who are denied their benefits can challenge the decision.
Some of the reasons why a claim can be denied include:
- Insufficient documentation and evidence that proves the injuries are work-related.
- Failing to meet deadlines for filing a claim.
- The insurance company believes that the injury resulted from a pre-existing condition and is not work-related.
- Delaying in seeking medical treatment, seeing a doctor, or not being seen by a medical provider at all.
- Employment status as an independent contractor instead of an employee.
Speak to a New Jersey Workers’ Compensation Attorney Today
If you were harmed in a work-related accident, call our experienced South Jersey personal injury lawyer at Monaco Law PC at (609) 277-3166 for our New Jersey office and (215) 546-3166 for our office in Pennsylvania to discuss your car accident case today.
We are a New Jersey and Pennsylvania personal injury law firm serving Atlantic County, Burlington County, Cape May County, Camden County, Cumberland County, Gloucester County, Mercer County, Middlesex County, Ocean County, Salem County, and all of South Jersey.
Source:
nj.gov/labor/workerscompensation/assets/PDFs/Forms/wc_law.pdf
