Does Workers’ Compensation Cover Ongoing Treatment: How to Maximize Your Benefits

Suffering a work-related injury can be overwhelming. You need medical care, time to heal, and financial support. Workers’ compensation benefits help cover these costs. But getting the full benefits you deserve takes effort. Here’s how to maximize your workers’ compensation benefits for ongoing treatment.

Report Your Injury Immediately

Don’t wait to report your injury. Tell your employer as soon as possible. Each state has deadlines for reporting workplace injuries. If you miss the deadline, you may lose your right to benefits. Make sure to document when and how you reported the injury.

Seek Medical Attention Right Away

Getting medical care immediately strengthens your claim. A doctor’s evaluation provides proof of your injury. Follow all medical recommendations and attend every appointment. Insurance companies look for gaps in treatment to deny claims.

Choose the Right Doctor

Some states allow you to pick your doctor. Others require you to see an approved provider. If you can choose, find a doctor familiar with workers’ compensation cases. They understand the process and can provide the documentation you need.

Keep Detailed Records

Maintain copies of all medical records, bills, and correspondence with your employer and insurer. Track missed workdays, symptoms, and treatment progress. Detailed records help support your claim and prevent delays in benefits.

Follow Your Treatment Plan

Stick to your doctor’s orders and follow your treatment plan. Attend therapy sessions, take prescribed medications, and avoid activities that could worsen your condition. If you don’t follow your treatment plan, the insurance company may argue that you’re not truly injured.

Understand Your Benefits

Workers’ compensation covers medical expenses, lost wages, and rehabilitation costs. Some injuries require ongoing care. Know what benefits you’re entitled to and advocate for the treatment you need.

Watch for Denied or Delayed Claims for Ongoing Care

Insurance companies sometimes deny or delay claims. If your benefits are reduced or denied, don’t accept it without a fight. A workers’ compensation attorney can help you challenge the decision and protect your rights.

Be Cautious When Speaking to Insurance Adjusters

Insurance adjusters may seem friendly, but their job is to save the company money. Be careful about what you say. Never admit fault, downplay your injury, or accept a quick settlement without legal advice.

Consider Legal Representation

A workers’ compensation attorney can make a big difference. They understand the system and can fight for the benefits you deserve. If you struggle to get the care you need, an attorney can help you navigate the process.

Don’t Settle Too Soon

Insurance companies may offer a quick settlement. Don’t rush into an agreement without considering long-term medical needs. Once you settle, you may be unable to seek additional compensation for ongoing treatment.

Get Help from Shugarman & Mehring

Workers’ compensation claims can be complex. If you’re struggling to get benefits for ongoing treatment, Shugarman & Mehring can help. Contact us today to protect your rights and get the care you need.