Workers Compensation - The Insurance Side
Workers Compensation - The Insurance Side
Workers compensation is an insurance that your employer provides as a benefit to you as their employee. In the event that you need to file a claim, there are many things you need to know about what's happening on the insurance side of it. Here's a basic rundown of what's happening and what you can expect.
If you've decided to not seek the help of an attorney right away, the first person you'll be dealing with is an insurance adjuster. An insurance adjuster is a person that takes charge of the claim and all aspects of it- including your recovery. They follow your case closely and will keep in close contact with you throughout the process. Unfortunately, due to the fact that these people are employed by the insurance company, they have no need to keep you informed on your rights and what's best for you. It's going to be your job to know your rights and sometimes enforce them when necessary. This said, the adjuster is the person that decides whether or not you are entitled the benefits of an approved claim. Working with an adjuster is a team effort between you and them- and while it's their job to make sure they treat you with respect, it's your job to do the same for them.
It is important to stress that an adjuster has to motivation to make decisions based on your best interests. This needs to be handled by you. While they won't treat you poorly, they'll do their jobs. It's up to you to make sure you're getting the best end of the deal. If you feel like this may not be something you could handle, hiring legal help may be of great benefit for you. A lawyer or attorney will make decisions on your behalf that are best for you- and since they know the legal system and what your rights are, you'll be able to take full advantage of your rights through them. Of course, if you're comfortable handling this on your own, legal help may not be what you need.
When you file a workers compensation claim, you'll first hear from an insurance adjuster by letter. The letter will let you know what the immediate status of your claim is- whether or not it's been initially denied, accepted, or under further review. Adjusters typically do their best to contact the claimant right away to obtain facts from the incident and other pertinent information that they feel are associated with your claim. The most important thing to do when an insurance adjuster is taking a statement is to tell the absolute truth. This avoids conflicting statements and prevents the insurance company from considering denying your claim based on potentially erroneous facts. Due to the high amount of fraud committed with workers compensation insurance claims, insurance agencies are very diligent about making sure your claim is substantiated and that you are telling the truth.
Workers Compensation - The Insurance Side
Post a Comment for "Workers Compensation - The Insurance Side"