During the course of your employment, you may sustain an injury while on the clock. Even if your company has workers compensation, there is no ironclad guarantee your claim will be honored. To speed up the process (along with your recovery) and better guarantee you receive the compensation you deserve, it helps to learn what steps to take to build your claim.
Report Injuries ASAP
If you even suspect you have sustained an injury during the course of your job, let a manager or your boss know as soon as possible. By waiting, you risk the injury worsening or healing. While a healed injury may not sound so bad, the injury could have lingering effects, ones that don’t manifest until some time later, when it may be all but impossible to prove beyond a shadow of a doubt that you were injured in the first place. On a related note, be sure to inform your employer of your injury in writing. That way, you can start building an injury file.
Properly Fill Out All Necessary Documentation
When you do file a claim to get your owed financial compensation, double-check to see that all documentation and paperwork is properly and fully filled out and filed. You and your employer have your own individual paperwork to complete, so be sure your boss does everything by the book, as well. If you have any questions, get answers sooner rather than later. Secure all necessary forms as soon as they’re asked of you.
See Your Employer’s Chosen Doctor
Even if you have your own physician, you want to see the medical expert your employer recommends. Doing so is vital to your claim’s approval, as the doctor’s diagnosis goes a long way in proving the overall extent of your injury. If you don’t care much for the doctor your employer uses, you can request another one, checking to see if it would be okay to use your regular doctor.
Keep Your Own Injury Journal
As a legal professional from a firm like Shook & Stone can tell you, keeping your own journal of an account of your version of events helps with workers compensation cases. Doing so allows you to compare your records with your employer’s, better ensuring everything matches up. You have to remember that at the end of the day, insurance companies aren’t own your side. While they may take care of you, insurance companies want to save money, which could mean offering you a smaller settlement than what you are rightfully entitled to.
Your injury or the resulting condition could come with a degree of embarrassment. Always remain open and honest with medical professionals and your employer, no matter how self-conscious you may feel. Your holding back the truth could make the insurance company, your employer, and doctors suspicious of you and your injuries, which is likely to spell trouble for your case. If you are embarrassed about your employer or coworkers finding out certain details and information, just tell your doctor, and ask if she or he can find a way to minimize your embarrassment as much as possible.
Keep these tips in mind if you ever injure yourself at work. One could be just the thing to better ensure your claim is accepted rather than denied.