Workers’ compensation is a critical safeguard for those injured on the job. But when a claim gets denied, it can add an additional layer of stress and uncertainty to an already difficult situation.
In Georgia, as in other states, there are steps you can take if your workers’ compensation claim gets denied.
Learn the reasons for claim denial
Workers’ compensation claims can get denied for several reasons. One common reason is that the injury or illness is not deemed work-related. If an employer or the workers’ compensation insurer disputes that the condition arose outside of employment, the claim may get denied.
Another reason could be the failure to report the injury in time. In Georgia, injured workers must report their injury to their employer within 30 days.
Sometimes, the insurer denies claims due to simple mistakes or misunderstandings that communication can resolve.
Prepare for an appeal
After receiving a denial, an injured worker should review the decision carefully to understand the reasons for the denial. Gathering additional evidence, such as medical records or witness statements, can be helpful in preparing for the appeal.
Appeal a denied claim
If a workers’ compensation claim gets denied, an injured worker has the right to appeal the decision. In Georgia, people submit appeals to the State Board of Workers’ Compensation. The appeal process involves a hearing before an administrative law judge, who will review the evidence and make a decision on the claim.
Receiving a denial for a workers’ compensation claim can be discouraging. But by following these steps, injured workers in Georgia can increase their chances of securing the benefits they deserve.