Getting injured on the job can be painful, inconvenient and stressful. No matter how severe your injury is, you are likely facing time off for your recovery, potential lost wages and the accumulation of medical bills. Luckily, your employer’s workers’ comp insurance should cover your treatment and a portion of your lost wages. Getting benefits is often not as easy as you might hope, though.
Many insurance companies deny workers’ comp claims and leave injured workers to fend for themselves. They do so through the use of dishonest and manipulative tactics that many workers do not know how to combat. Consulting with a legal representative can help you fight the following forms of manipulation commonly used by workers’ comp insurers.
Choose your doctor
According to Claims Journal, many insurance companies complete medical assessments in relation to claims by referring patients to an independent medical expert. This process is often presented to claimants as though they are getting the medical care they need, when in fact, providers associated with an insurance company might be motivated to support the denial of your claim. By choosing the doctor you see, insurance companies control the care you receive and documentation of your injury.
Pressure you to talk
Some insurance companies might also manipulate claimants by pressuring them to talk. When you initially file your claim, it is not uncommon for an insurer to call and interview you about your injury. You should be careful about responding, though, because an insurer might try to use the information you provide against you. If the insurer tells you that you have to complete an interview or threatens to deny your claim if you do not, be wary.
Force you to wait
One of the worst parts of dealing with insurance companies is navigating all the red tape that surrounds the process of filing a claim. Insurers are understandably swamped, but they might further complicate your claim by needlessly delaying the process. Forcing claimants to wait for updates and communication is frustrating enough that many give up, and seeking this result is a form of manipulation.