Most workers in MN are covered by Workers’ Compensation. These workers incorrectly assume that they are automatically covered for injuries or workplace-related illnesses to the maximum amount allowable.
Unfortunately, this is not always the case, particularly with more serious injuries and illnesses. In fact, a majority of Workers’ Comp claims in the state, as well as across the country, are denied in the first application.
There are several reasons Workers’ Comp claims are denied. There is an appeals process if you receive a denial letter, but also a strict time window to get the appeal submitted. Working with an attorney to review the initial claim application and to work with you for the appeal is a simple way to eliminate many of these issues.
Each state provides limits on how long from the time of the accident or illness that the claim can be filed. In MN, employees must report the injury to the designated individual in the company within 14 days. The paperwork needs to be filed on the claim within 30 days, but there are some exceptions to this time and talking with an attorney is always recommended
Inaccuracies, Mistakes and Omissions
When filing the claim, any missing data, errors or omissions result in a denial of the claim. These are typically oversights, but they do slow down the process. An attorney can review the claim and ensure all information is filed correctly and completely.
Lack of Supporting Data
The claim must be accompanied by specific information from your doctor. In addition, the accident report filed with the employer must also be included in the claim application.
Failure to Complete Required Doctor Visits and Tests
Your employer, or the insurance carrier, can request an IEM or independent medical examination by a doctor of their choosing. It is important to attend this exam, which is paid for by the insurer, to avoid a denial of the Workers’ Comp claim.
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