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Workers in the state of California enjoy certain benefits that are not necessarily available to workers in other parts of the country. California’s Labor Code is very favorable to members of the workforce.
For example, in California, virtually all employers are required to purchase workers’ compensation insurance. This insurance provides injured workers with a means of seeking financial compensation for their medical bills and related losses when they are harmed on the job.
You do not need to prove your accident was the result of someone else’s negligence to file a workers’ compensation claim. As long as you can demonstrate that you were injured while operating as an employee, you are eligible for workers’ compensation benefits.
This does not mean that your employer’s workers’ compensation insurance provider will immediately pay you what you deserve when you file a claim. Insurance companies are businesses. Thus, when injured workers file claims, it is not uncommon for insurance providers to seek reasons to justify denying these claims entirely
Sometimes, they have genuine reasons to do so. Sometimes, they do not.
Don’t make the mistake of assuming that you will be unable to recover the compensation for which you may be eligible if an insurance company rejects your workers’ compensation claim. Review your case with a San Francisco workers’ compensation denied claim attorney at Allegiance Law to discuss your options. A lawyer can help you show that an insurance company that denied your claim lacked the proper justification to do so.
Again, the primary reason an insurance company may deny a workers’ compensation claim is simple: to save money. No profit-centric business will allow itself to lose money when doing so can be avoided.
The justifications an insurer will provide to explain why they denied a claim can vary depending on the circumstances. Often, an insurer will attempt to argue that an employee was not genuinely working or on the clock when they were injured.
For example, perhaps someone’s job involves driving to work sites. They are clearly eligible to recover workers’ compensation benefits if they are injured in an accident they did not cause while driving for work. However, they may not be eligible for compensation if they are injured in an accident while driving on their lunch break.
This is an example of a fairly clear-cut case. Many cases are not this transparent. Insurance companies will therefore take advantage of a case’s inherent complexities in an attempt to convince a claimant that they do not deserve to recover workers compensation benefits.
That’s not to say insurance companies are always accurately representing the nature of a claimant’s accident or injuries when denying a claim. Insurers may engage in deceptive or unethical tactics to avoid paying claimants what they are. If you believe this has happened to you, a San Francisco workers’ compensation denied claim attorney can help you fight back.
You do not need to simply accept the initial decision of the insurance company if they choose to deny your workers’ compensation claim. There are instances when insurers deny claims that should have been honored.
Do you believe your workers’ compensation claim was unfairly denied? If so, review your case with a San Francisco workers’ compensation denied claim attorney at Allegiance Law to learn more about your legal options in these circumstances. Get started today by contacting us online or calling us at 415-404-6395 to schedule a consultation.