A strong injury claim is important as approval rates weaken
An injury at work can leave you hurting, but workers’ compensation may be there to start the healing. Unfortunately, there is no guarantee of a helping hand, so you’ll need to make sure you’re ready to present a sturdy case for compensation.
Denial rates have been on the rise in recent years, but there are steps you can take to make sure your claim finds success. Understanding why insurance companies commonly deny claims could be a big step toward getting the help you need after a workplace injury.
No medical evidence
A physician will need to evaluate you after your injury, but not just any will do. You’ll want to use discretion when selecting your doctor, as they’ll likely provide the backbone of your claim for compensation. The best doctor for your case may depend on your type of injury and their specialty, and how well you can work with them in crafting a paper trail that points to a qualifying affliction.
Pre-existing conditions
Injuries that existed before your accident may not completely rule you out for assistance, but it will likely increase the burden of proof. Your incident at work might not have been the original cause, but an accident that greatly exacerbates your condition or reinjures an area could still find coverage under Minnesota law. You’ll need to work closely with your doctor in framing your medical reports to show the new-found complications on an old sore spot.
Failed testing
Failing a drug screen may not be the death knell of your claim. First, the drug that shows up on your test will likely need to be the cause of the accident. If someone else’s negligence causes your injury, a test finding something in your system might not matter. There’s also a slew of requirements for properly administering tests, like acceptable testing timeframes and methods.
Know the usual pitfalls for getting approved, and you could be on your way to a strong claim. Put your best application forward, and your employer may cover the next steps.