While the construction industry is the first to come to mind when thinking of job related injuries there are any number of injuries sustained by employees in every field. Worker’s Compensation is available to assist people financially when they are not able to work. The insurance provides coverage for an employee who has suffered an injury or illness resulting from job-related duties. Coverage includes medical and rehabilitation costs and lost wages for employees injured on the job. If you have been injured, and have been unable to earn full wages for five or more full or partial calendar days, your employer must report your injury to their insurance company and to the Department of Industrial Accidents (DIA). Employers are required to give the employee a copy of this report, which contains the name and address of the insurer
The good news is that half of all injured worker claims are not disputed by an insurer or employer, the bad news is that the other half are. If you fall into the latter category and your claim is disputed, the DIA strongly advises that you seek legal counsel to protect your rights and interests, due to the complexity of the workers’ compensation law. The law requires that the insurer pay the attorney’s fee if you win your case
If the insurer decides to deny your claim, they must send you by certified mail an Insurer’s Notification of Denial – Form 104 that includes the reasons for the denial and must inform you of your right to appeal the denial. If you have questions about a denial or lack of payment on these forms, contact the insurer’s claim representative. Their phone number is located in box number 6 on the form and the name of your claim representative is located in box number 5. If you have hired an attorney, have the attorney call the claim representative about your denial. The claim representative cannot speak with you about your claim once you retain an attorney.