In Washington, workers’ compensation is a type of insurance required by all employers who hire more than one worker. It provides monetary assistance for workers who are injured on the job. When an on-the-job accident happens, it must be reported to the insurer, and a claim is processed. A workers’ compensation lawyer in Tumwater, WA helps workers who were denied coverage.
Reviewing the Original Claim
When reviewing the original claim, the attorney determines if all deadlines were met appropriately. The worker has a period of no longer than one month to report their injuries to a supervisor. Their supervisor must send the worker to a doctor immediately for a medical assessment. The doctor has no longer than ten days to return the medical report to the insurer.
Recovery and Monetary Benefits
Workers’ comp provides immediate payment for all medical requirement associated with the injury. However, if the worker will be out of work for a substantial amount of time, the insurance provides monetary benefits. The benefits equate up to eighty percent of the worker’s wages. The worker must have strict orders from their doctor indicating that they are unable to return to work until after they recover. Monetary benefits aren’t paid to workers who can perform light duty work.
How Are Claims Processed?
The documentation is sent to the insurer who assigns the case to a claim’s adjuster. The adjuster reviews the terms of the employer’s policy and how the worker sustained their injuries. If the worker sustained a work-related injury that wasn’t their fault, they are approved for coverage and monetary benefits if eligible.
What Can Workers Do After a Denial?
The worker has the option to file an appeal or a lawsuit. An appeal requires the insurer to take another look at the documents and determine again if the worker is eligible for benefits. A lawsuit is filed against the employer and the insurer to collect the compensation owed to the worker.
In Washington, workers’ compensation is an insurance product that covers injured workers and provides compensation for lost wages. The coverage is available for all immediate and ongoing care required by the patient. Workers who were denied benefits contact a workers’ compensation lawyer in Tumwater, WA or visit us right now.