6 Common Reasons Why Workers’ Compensation Claims Are Denied

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Workers’ compensation is a business insurance policy purchased by employers to cover medical costs, lost wages, and other expenses for employees who are injured or become ill on the job.

Read on to learn about common reasons that a claim might be denied— and why.

Injuries Outside Of  The Workplace

Accidents can be considered unrelated to occupational hazards if an employee is injured during a break or commute to or from work.

State laws set time limits for filing workers’ comp claims, so when beginning the process, you should note what you need to include in your claim—and by when.

Missed Deadline

Under The Influence Or Participated In Horseplay

Accidents that occur at work as a result of roughhousing or pranks may not be covered.

Didn’t Seek Medical Treatment

Even injuries that seem minor can require a trip to the doctor, and a medical evaluation is necessary to document the severity of damage and the necessary treatment.

Illnesses or injuries suffered before starting a job are typically not covered, especially if the work did not exacerbate the problem.

Pre-Existing Condition

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