02 Apr Why Getting Your Workers’ Comp Check is So Hard
Your employer pays your workers’ comp insurance because it’s supposed to be a win-win for everyone. However, at Bloom Law Office, we know that isn’t always true. The point of workers’ comp is that you and your employer are covered should you sustain a work-related injury. You file a workers’ comp claim that your employer has paid into so that you can get a check to cover losses related to that injury. Simultaneously, your employer has the reassurance that you can’t sue them directly. It sounds pretty easy, so why is getting that check so difficult?
Like any legal agreement—especially insurance policies—the legalese and red tape can be daunting. Ultimately, it’s not in the insurance company’s best interest that you get a payout. It doesn’t matter to the insurance auditor how clear the case may be. A lot of paperwork is required, and most of it has a looming deadline. It’s probably the last thing you want to deal with while you’re recovering from an injury.
It’s also not necessarily in your employer’s best interest to have a slew of processed workers’ comp claims on their records. While some jobs are naturally riskier than others (such as construction), insurance companies keep a close eye on employers with a lot of claims. If their workers are going to keep getting hurt, that’s a costly habit and there’s a chance they might not be following safety regulations.
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You can see how it can get messy quickly. Insurance companies have workers whose sole job is to dig into claims to find red flags. One missed signature or poorly worded narrative can mess up an entire claim and keep your check from you. These checks are vital for many workers’ comp claimants who might be suffering from an inability to work, mounting medical bills, and pending personal bills that they can’t pay without their regular income. If you’ve been injured related to work, call Bloom Law Office at 855-208-3650 and get a workers’ comp attorney on your side.