A work-related injury may mean you are eligible for workers’ compensation benefits. You need these critical benefits to help pay for medical expenses and loss of wages. They are available, and you must seek them as soon as possible.
But, sometimes, workers may hesitate in doing so. They may know little about the program in which employers pay for workers’ compensation insurance, specifically for this purpose. They may think that it is too difficult to apply for the benefits, or that their injury is not severe enough and does not qualify them.
Failing to apply or report the injury
Among the mistakes that may prevent you from getting those much-needed workers’ compensation benefits include:
- Neglecting to report your injury: This represents a major oversight because applying is the first step toward getting these benefits. A delay in doing so could arouse suspicions from your employer and doctor who may argue that the injury was not work-related.
- Failing to get immediate medical attention: Not doing so not only could lead to long-term health problems for you, but your employer’s insurance company also may claim your injury was not work-related.
- Having too much trust in your employer’s insurer: You will have to provide some information to this company, but just the basics. Please do not share excessive details because the insurer is advocating for your employer and may twist anything you say to make your claim disappear.
- Avoiding filing for benefits: Do not continue to work while injured or take paid time off in hopes of getting better because you believe the injury does not qualify you for benefits. Hesitation can harm you. Fill out the forms now.
Your first step is to understand that workers’ compensation benefits are available for people like you who sustain work-related injuries.
A way to overcome financial challenges
Workers’ compensation benefits represent a way for you and your family to overcome certain financial challenges. Know that these benefits exist, are available and promptly apply for them if injured on the job.