Filing a workers’ compensation claim can feel stressful, especially if you receive a denial. A denied claim does not mean you are out of options. You can challenge the decision and still get the benefits you deserve.
Common reasons for claim denial
Many claims face denial due to missed deadlines. Florida law requires injured workers to report their injury within 30 days. Waiting too long can lead to automatic denial.
Incomplete or inaccurate paperwork is another problem. When medical records fail to clearly link the injury to the job, the insurance company often rejects the claim. Employers or insurers may deny claims by disputing whether the injury happened at work. Employers or insurers might argue the injury occurred outside work or was a preexisting condition.
Steps to take after denial
If your workers’ compensation claim is denied, do not panic. First, review the denial letter carefully. The letter explains the reason for rejection. Understanding the reason helps you decide your next steps.
Gather supporting evidence to strengthen your case. Medical records, witness statements, and incident reports can help prove your injury is work-related. Ensure all paperwork is complete and correct before moving forward.
You can request a hearing before a judge. Florida allows workers to file a Petition for Benefits with the Office of the Judges of Compensation Claims. This starts the appeals process and gives you a chance to present evidence supporting your claim.
How to improve your chances on appeal
Thorough documentation makes a strong case. Keep detailed records of medical visits, treatments, and workplace incidents. A doctor’s statement linking the injury to your job can strengthen your case.
Follow all deadlines. You must file appeals within two years of the injury. Missing this deadline can make it harder to overturn the denial.
Keep pushing for your benefits
You still have options to pursue your claim. Stay proactive and persistent in advocating for your benefits. Understanding your rights and following the appeals process can lead to a successful outcome. Persistence and proper documentation are essential for getting the benefits you need.