If you are hurt at work, you may need to file a workers’ compensation claim.
However, not all workers’ comp claims end with compensation. If your claim has been denied, it is important that you understand why this happened so you can come up with an appropriate course of action.
Here are common reasons why workplace injury claims are denied in New Jersey.
1. You contributed to the accident that caused your injury
Operating a motor vehicle or other dangerous machinery while intoxicated can expose you to injury risk. If you cause an accident due to intoxication, and sustain an injury as a result, your claim for workers’ comp can be invalidated. This is especially true if your workplace policy explicitly prohibits the use of controlled substances while at work.
2. You failed to follow through with the treatment plan
Depending on the severity of your workplace injury, chances are you may require hospital admission as well as several doctor appointments. Of course, those doctor appointments can be annoying. However, it is important that you follow through with your prescribed treatment plan. Besides ensuring smooth recovery, this will also ensure that the insurance company does not terminate your payments.
3. You missed important deadlines
New Jersey statutory law requires that you report any work-related injury to your employer within 14 days from the day of the injury. Additionally, the NJ statute of limitations requires injured workers to file their claims within two years from the date of their injury. It is important that you observe these timelines.
Workers’ compensation is designed to provide injured workers with the financial restitution they need to take care of their treatment as well as other damages. Find out how you can give yourself the best chance to get workers’ compensation.