A denied workers’ compensation claim can leave you worried about medical bills, lost income and your ability to support your family. If you were injured while working in Orlando, a denial does not necessarily mean you have no right to benefits. You may have options for challenging the decision.
Why might a claim be denied?
An insurance carrier may deny a workers’ compensation claim for several reasons. For example, the insurer may argue that:
- Your injury did not happen at work.
- You did not report the injury promptly.
- Your medical condition does not qualify as a work-related injury.
- You failed to provide sufficient medical evidence.
- Your claim does not meet Florida’s workers’ compensation requirements.
The reason for the denial matters because it can determine how you should respond.
What should you do after a denial?
Start by reviewing the denial carefully. The insurance carrier should explain why it denied your claim and provide information about your rights.
You should also gather documentation related to your injury, including medical records, accident reports, witness information and communications with your employer or insurance company.
If you have not already done so, continue following your doctor’s treatment recommendations. Your medical records may provide important evidence about the nature and severity of your injury.
Can you challenge the decision?
Florida workers’ compensation disputes may involve a formal petition for benefits. Depending on the circumstances, you may need to resolve disagreements about medical treatment, wage-loss benefits or whether your injury qualifies for coverage.
Deadlines can apply to workers’ compensation disputes, so delaying action may put your potential benefits at risk.
Protect your rights after a denial
A denied claim can make an already difficult recovery even more stressful. You do not have to assume that the insurance company’s decision is final.
If your Florida workers’ compensation claim was denied, an experienced Orlando workers’ compensation attorney can review the reason for the denial, explain your options and help you determine how to pursue the benefits you may be entitled to receive.