In Tennessee, all employers are required to maintain worker’s compensation coverage. This insurance provides medical treatment payments any time a worker is injured. It also provides monetary benefits to cover any wages lost during recovery. A Personal Injury Attorney Murfreesboro TN is available to help workers who are denied access to these benefits.
Tracing the Steps of the Initial Claim
The initial claim requires the employer to send the worker to a medical facility to acquire treatment. The human resources department must provide forms for the doctor to complete. The forms must be delivered to the insurance provider within ten days. Next, the claims adjuster reviews the case to determine if the worker has an eligible injury. The claims adjuster denies or approves the claim.
Reviewing the Terms of the Worker’s Compensation Policy
The terms of the worker’s compensation policy define what injuries and circumstances are covered. For example, the worker must have been performing job duties when they were injured. They must also wear work attire as specified by their employer. This may include specific footwear needed to prevent an accident. If the worker wasn’t wearing the gear or wasn’t performing their duties, the insurance provider can deny the claim.
Identifying the Reason for the Denial
The reason for the denial of benefits must be present in the insurance policy. If the worker had qualifying injuries, the insurance cannot deny them access to benefits. The employer remains liable. The attorney must research the reason for the denial and determine what laws apply.
Filing a Lawsuit Against the Employer
The employer may file a formal lawsuit instead of an appeal. This requires them to submit all medical evidence as well as documentation from the insurance provider. This information is submitted to the court, and a judge renders a decision.
In Tennessee, all employers must take measures to protect their employees. These measures include acquiring worker’s compensation insurance. The worker has a right to file a lawsuit if they are denied these benefits after a work-related injury. Workers who were injured should contact a Personal Injury Attorney Murfreesboro TN through the Law Office of Gritton & Gritton PLLC or Browse Site for more information.
