In this video, I am going to reveal 5 secrets the insurance company doesn’t want you to know about your worker’s compensation claim.
Hi, I’m attorney Gary Martin Hays.
You have 30 days in which to report your on the job injury.
Sometimes an employee gets hurt at work, but they assume it is just a minor injury and will get better. But after a couple of days, the pain worsens, so they report the incident to their supervisor.
Some employers will tell you – too late, so sorry! You didn’t report the injury the day it happened so we are not going to provide worker’s compensation benefits for you.
This is not the law.
You have 30 days in which to report your injury.
The better practice is to notify your supervisor immediately.
Your employer is required to post a list of doctors from which YOU get to choose the doctor that you would like to provide treatment to you.
The panel must have 6 doctors listed on it.
One of the six has to be an orthopedic surgeon.
No more than 2 of the 6 can be an industrial clinic.
If your employer DID NOT post a panel, or the panel was invalid, you should be able to choose the doctor that you want to treat you and the insurance company has to pay for it!
If you are receiving workers’ compensation checks because you have been disabled from working, then you may be entitled to see a doctor of your choice for an independent medical exam and the insurance company has to pay for this appointment!
You have 120 days from the last receipt of workers’ comp wage benefits to request this exam so please – don’t delay in discussing this option with an attorney!
Did you know that you are entitled to be reimbursed for your mileage to and from your medical appointments?
This includes not just the mileage to your doctors’ appointments, but also mileage to therapy, to pick up your prescriptions, and parking fees.
Do you really know how much the employer and the insurance company are supposed to pay you in weekly wage checks?
Most people don’t.
By law, you are entitled to 2/3 of your average weekly wage. But the most the insurance company is obligated to pay you right now is $525.00 per week. It doesn’t matter if you were making $1,500.00 per week. The most the insurance company has to pay you is $525.00 per week.
Do insurance companies always pay the correct amount?
NO, they don’t. And if they are paying you less than the maximum amount of $525.00 per week, they are required by law to file a form that lets you know how they calculated the amount of your weekly check.
There are so many other secrets the insurance company doesn’t want you to know about your worker’s compensation claim.
The best advice I can give you is to call us right now to learn about all of your rights, as well as the insurance company’s responsibilities!