If you are denied workers’ compensation following a work injury, it is not the end of the road. It may just be a matter of submitting missing documentation or answering questions to get you application back on track.
However, sometimes benefits are denied for other reasons. Despite your efforts to prove eligibility, the insurer may wrongfully deny your claim. Fortunately, you have the right to file an appeal, a process that may be better handled by an experienced workers’ compensation lawyer.
Your attorney can gather evidence that the claim was wrongfully denied and send a demand letter to the insurer, accusing them of acting in bad faith and requesting the payment of benefits. If the insurer refuses to negotiate, you attorney can file a contested case proceeding before the Iowa Workers’ Compensation Commissioner who will hear arguments from both parties to determine if benefits should be paid.
A good rule of thumb is to contact an attorney if you are injured on the job to maximize the compensation you will receive. All too often insurance companies masquerade as allies of injured workers, but in realty go out of their way to pay as little as possible or even deny claims to protect their bottom line. Working with an experienced attorney to file an initial claim or an appeal if benefits are denied can make all the difference as employers and insurers know that you have experience and knowledge on your side often yielding better results. If you have questions, contact our Workers’ Compensation lawyers at McDonald & Woodward for immediate assistance at 561-355-6478.