If injured at work, you should be able to claim against your employer’s workers’ compensation insurance. Kentucky requires all firms that employ one or more people to hold this cover, except for a few exceptions such as some agricultural employers or religious groups.
However, an insurer may still try to deny your claim or limit the amount they offer. There are several reasons they may give.
Issues with reporting or filing can lead an insurer to deny your workers’ compensation claim
Sometimes you do not realize the full effects an injury or illness may have on you. If you wish to claim workers’ compensation, you must report the incident within a certain time. So it is better to report everything straight away, however minor it may seem.
Completing the claim forms in the correct manner is also crucial. Any mistakes could see the insurer deny your claim, meaning you have to resubmit it, which will delay you from receiving the compensation you need.
Insurers may try to deny claims based on your actions at work
Workers’ compensation insurance is a no-fault insurance, so you can claim even if the accident was partly your fault. Yet, insurers may still try to reject your claim due to your behavior. For instance, they may say you were drunk or had taken drugs. Or they may argue you ignored safety warnings or refused to wear the safety equipment your employer-provided.
Insurers might also argue that your injury or illness is not work-related. They may attribute it to your previous job, your lifestyle or events outside of work.
Getting the compensation you are entitled to is crucial to helping you recover and helping you survive while you cannot work. However, doing so will require knowledge of the process and persistence.