Work-related injuries happen every day. If you are one of the many Oklahoma residents who have suffered injuries in a work accident, you need to get help and report as soon as possible. If you do not, you run the risk of having workers' compensation claims denied and having to cover your losses out of pocket. That is something most people simply cannot afford.
Reporting an injury, particularly when it was serious, may be the last thing on your mind. Your focus is and should be on getting treatment and working through the recovery process. When you are able to, though, filing a report with your employer and filling out a workers' compensation claim is a must if you want to have your expenses covered.
How do I file a claim?
To file a workers' compensation claim, you will need to get the appropriate forms from your employer. The insurance provider is going to want to know all the details about your injury and how it occurred. So, with your claim, you will likely have to submit documentation about:
- The injury type and severity
- When and where you were hurt
- Names of other employees involved in the incident
- Names of witnesses
- Specifics about how the injury occurred
- Information about medical care received
If you fail to provide all the necessary details of the incident, or if your workers' comp insurance provider has doubts about the information provided by you, they may deny coverage.
Claim denied or not fully covered
This is something that, unfortunately, numerous injured employees in Oklahoma and elsewhere have had happen to them. What can you do if insurance stops paying or just outright denies coverage? You may appeal the decision. If going through the appropriate channels to appeal a provider's decision to cut off or refuse benefits fails to produce desirable results, you may take legal action.
Need help getting compensation for your losses?
Oklahoma, like all other states, has a statute of limitations set on workers' compensation claims. If you file after the window has closed, you will likely miss out on all of the benefits available to you. After you get help and report your injury to your employer, an experienced workers' compensation attorney can assist you in filing your claim and fighting for full and fair coverage.