Expect that the Workers’ Compensation Insurer Will Try to Deny Your Claim

Two people playing tug of war

When you’ve been injured on the job and it’s obvious that the injury was caused by some careless or negligent act by your employer or a co-employee, it can come as a shock to have the workers’ compensation insurance provider initially reject your claim—but it shouldn’t. Insurance companies make their money by minimizing the amount they have to pay out to satisfy claims against their policyholders. They also understand that, if they deny your claim, you’ll have to incur the time and expense of hiring an attorney to get the benefits to which you are entitled. Often, they are gambling that you won’t do that.

The most common strategy used by employers and workers’ compensation insurance companies is to contend that your injury really didn’t happen at work, even if there were a number of witnesses who saw the accident. If there’s any evidence of any similar pre-existing condition, they’ll attempt to attribute any limitations on your ability to work to that pre-existing injury. In fact, don’t be surprised if the workers’ compensation insurer asks for a copy of your medical history and seeks to attribute the injury to some incident that happened years ago. Maybe you were in a car accident when you were young or hurt your back playing sports. It’s not uncommon for a workers’ compensation insurance company to try to blame any pain or discomfort have on a condition that has long-since healed.

Contact Our Office

To arrange a private meeting, contact us by e-mail or call our office at 908-200-2297. Evening and weekend meetings are available upon request. We take all major credit cards.

We handle all workers’ compensation cases on a contingency basis. There will be no attorney fees unless we get compensation for your losses.

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