Suffering a work-related injury or illness can cause a lot of stress. In addition to the pain and medical uncertainty accompanying some health conditions, many injured Georgians worry about making ends meet if they cannot return to work immediately. How will they afford their medical bills, mortgage or rent payments, and other expenses while they are out of work? Workers’ compensation benefits can relieve these worries. However, your claim may be delayed or denied if you fail to take the proper steps. Here are five mistakes to avoid when filing a workers’ compensation claim in Georgia.
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Failing to Report the Incident Promptly
Georgia law requires employees to notify their employers of a work-related accident, injury, or illness within 30 days. However, you should report the incident as soon as possible to protect your claim and avoid delays. The sooner you report the incident and seek medical attention, the stronger your claim will be. Delaying reduces credibility and may make linking the injury to your job harder.
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Not Getting a Full Report of the Accident or Injury
Maximizing your workers’ compensation claim requires providing as much evidence as possible about your injury and its origins. Be specific in describing how the injury occurred, noting any safety violations or hazardous conditions, as well as documenting every body part you injured. Get statements from witnesses and request a copy of the accident report. The more documentation you have, the less likely the insurance company will dispute your claim.
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Ignoring State-Specific Submission Requirements
Like all states, Georgia requires employees to adhere to specific requirements when submitting a workers’ comp claim. These prerequisites include using the proper claim forms and submitting them to the correct parties. Providing the required documentation from the authorized treating physician will be necessary for a claim for income benefits from time off work due to the injury. Failure to follow the rules could lead to a claim denial for procedural reasons. Research the rules or consult a workers’ compensation lawyer for help submitting your claim.
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Thinking the Insurance Adjuster is Your Friend
Although workers’ compensation is a state-mandated program, insurance companies are for-profit entities. While insurance adjusters may seem helpful, their goal is to minimize payouts and disputes. Be wary of quick settlement offers, and do not provide any recorded statements before consulting an attorney. Remember, the adjuster represents the insurer, not you.
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Not Consulting a Workers’ Compensation Attorney
Filing a workers’ compensation claim tends to involve a lot of red tape, which can be challenging to manage without an experienced workers’ compensation lawyer. An attorney knows the ins and outs of the system, the timeline, the documentation needed, and your rights. They can handle communications and demand that the insurer investigate your claim thoroughly and pay all benefits you’re entitled to. A lawyer’s knowledge and skills can maximize your payout.
Get Help From an Experienced GA Workers’ Compensation Lawyer
Suffering a workplace injury and navigating the workers’ compensation system can be daunting. Protect your rights by working with a knowledgeable Georgia workers’ comp attorney from the Law Offices of William F. Underwood, III, P.C. With the proper preparation and legal representation, you can gain the relief you need to recover to the fullest extent possible. Call our office or contact us online today for a free consultation.
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