Instead of trying to fight alone, make sure you have an experienced workers comp attorney in your corner to protect your legal right to compensation.
When you are an employee in the state of Missouri, it is mandatory that they cover you by workers’ compensation. Business owners are required to carry a workers’ compensation insurance policy if they employ more than five people for all industries or are a construction company.
What is Workers’ Compensation?
Workers’ compensation is a type of policy that makes sure workers who are hurt on the job have their economic damages covered. Economic damages are those things that a worker losses monetarily due to their injury.
To receive workers’ compensation, you do not have to prove that anyone was negligent. Unlike personal injury, you can be solely responsible for getting hurt, and you are still eligible.
There are other conditions; however, that will affect whether you are eligible for workers’ compensation benefits. The first is that you have to be engaged in an activity that is a part of your duties as an employee of the company.
Not only do you have to be doing something that is work-related, but it also has to be under the scope and the authority of your employment. If you were doing anything that wasn’t work-related, then it is possible for you not to be covered if you were at work or not when you were injured.
Another reason that an insurance company can deny your claim is if they don’t believe that the extent of your injuries is what you claim, or if they don’t think you were hurt at all. The third most common reason for a claim to be denied is if an employer believes that you weren’t an employee, which would exclude you from eligibility.
What to Do If Your Benefits Have Been Revoked
Even if your claim was initially approved, there are times when eligibility will be revoked without warning. If the insurance company can find proof that your claim is fraudulent, or even question its validity, it is possible for workers’ compensation benefits to cease if you don’t fight against the insurance company.
If the insurance company is questioning you, then that is a sign that they are seeking to either deny or revoke your benefits. It is imperative that you speak with an experienced workers comp attorney before you speak to the insurance company.
Every conversation that you have with the insurance company has the potential to leave them with something to use against you. Therefore, if you have had your workers’ compensation benefits revoked, it is best to let an attorney review your claim and help you recover what you are legally entitled to.
Instead of trying to fight alone, make sure you have someone in your corner to protect you.