How Using Your Personal Doctor for a Work Injury Can Impact Your Compensation
Many individuals are aware that if they sustain an injury at work, worker’s compensation will cover their medical expenses. However, it is essential to understand that in such cases, you are required to consult the doctor designated by your company’s worker’s compensation policy rather than your own physician. If you choose to visit your personal doctor for a work-related injury, your claim may be rejected by the insurance company.
What to Anticipate When Filing a Worker’s Compensation Claim
Upon experiencing a work-related injury, you should report the incident to your company’s HR specialist within 30 days.
According to attorney Nathaniel F. Hansford, the HR representative is responsible for informing you of your rights. They should give you a worker’s compensation claim form, and it is crucial to provide detailed information when completing this form.
Subsequently, you will visit an approved doctor for diagnosis and treatment. Your employer should have a list of at least six physicians displayed in the workplace. Additionally, you can access a roster of doctors on the State Board of Workers’ Compensation Physician Database.
Based on the severity of your injury, the treatment required may vary. It could range from a simple doctor’s visit to needing time off work for recovery. In cases of severe injuries, you might be incapable of returning to work. In such instances, you can apply for worker’s compensation benefits.
If you necessitate benefits, you will need to complete a WC-14 form, which is a request for a hearing. Gather all medical bills from the approved doctor and bring them along. It is advisable to request a medical report from the doctor.
Keep the receipts for any medical expenditures, including prescribed medications or over-the-counter drugs. Subsequently, submit the claim to the State Board of Workers’ Compensation. Upon approval, you are obligated to adhere to the treatments recommended by the doctor and return to work per their instructions.
What If I Prefer my Own Doctor’s Advice?
You are within your rights to seek your own doctor’s opinion. However, the Worker’s Compensation Board may not consider their input while determining your benefits.
In the event of claim denial, it is advisable to appeal the decision. Engage a personal injury attorney to support you if you need to challenge a denial. They possess extensive experience in handling workers’ compensation claims and are familiar with the type of evidence that can sway decision-makers in your favor. During an appeal, your personal doctor’s opinions may be taken into account.
Whether positive or negative, following a work injury, it is necessary to consult a worker’s compensation doctor. If you believe you have not received appropriate treatment, an attorney can offer assistance.
