What a workers' compensation insurance provider says to you matters and is something that should be relayed to your workers' compensation attorney. In some cases, the insurance provider might not take your case seriously. However, this doesn't mean that you should give up on fighting for your right to compensation.
Ways That an Adjuster Might Diminish Your Claim
You may believe that you need to seek a second opinion from another doctor, but the insurance adjuster might downplay the importance of this step. While the insurance adjuster may recommend that you see a physician of their choice, you are also allowed to see your own physician.
Another tactic is to instruct you not to hire an attorney. If you are considering taking legal action against the workers' compensation insurance provider, you might be told that you will be accused of engaging in vexatious litigation. You should ignore these statements other than to make note of how they are using bad faith tactics.
Denigration of Medical Care
When you receive medical treatment that is considered unconventional, such as alternative medicine, the insurance adjuster might try to argue that the care is unnecessary. However, if you are able to prove that you somehow benefited from the treatment, you may still be compensated if the treatment is related to an injury that occurred at work.
Many insurance providers will try to deny a claim with the hope that you won't attempt to appeal the denial. However, there are many denied claims that are later approved. If the denial is supported by the facts, the insurance provider has the right to deny your claim. However, the insurance provider should not deny a claim as a default.
How to Reach a Settlement
Your employer should inform you about the workers' compensation process, but you cannot always rely on your employer. For this reason, it's important to work closely with a workers' compensation attorney who will advocate on your behalf. They will make sure that your rights are protected. Workers' compensation benefits are a right protected by state law.
As opposed to receiving regular payments, a settlement can give you peace of mind in knowing that your case is over. You will receive access to funds that you will then be able to use to get yourself back on your feet. The lump sum will be tax-free and more convenient. Contact a workers' compensation attorney for more information.