It’s easy to assume that you’ll immediately receive workers’ compensation after being involved in a workplace incident. After all, if the event happened at work, surely your employer’s insurance will provide coverage so you can recover from your injuries or illness at home without financial repercussions.
Workers’ compensation is designed to offer financial protection, but not every employee making a claim will have it approved. Sometimes, claims are denied for some of the following reasons.
You Didn’t Report the Injury Fast Enough
Workers compensation lawyers will tell you they’ve met many people who failed to inform their employer of their injuries or illness in the required timeframe. This timeframe differs from one state to the next.
For example, you have 30 days to report your injury in Victoria after becoming aware of it and just 24 hours if you live in South Australia – or as soon as possible. It’s essential to be mindful of your state’s reporting deadlines to avoid having your claim denied. To be safe, report your injury or illness to your employer immediately after the event happens.
You Didn’t File Your Claim Fast Enough
There are reporting deadlines to abide by to potentially improve your chances of having your workers’ compensation claim accepted, but there are also deadlines for filing. Once you inform your employer of your injury or illness, they must then meet the filing deadlines. These can differ from reporting deadlines.
For example, the filing deadline for employers in New South Wales is within 48 hours of becoming aware that an employee has experienced a workplace injury. In South Australia and Western Australia, employers have five days.
You Didn’t Receive the Injury At Work
Workers’ compensation insurance providers might deny a claim on the basis that an employee didn’t injure themselves at work. Instead, they might have injured themselves on the way to work, on their way home at the end of the working day, or during their unpaid lunch break away from work.
Your Employer Disputes Your Claim
Not every illness or injury is straightforward. Sometimes, employers and insurers dispute the cause of your injury or illness. They might say it didn’t happen at work or isn’t related to the workplace. If you don’t believe your claim should have been denied for these reasons, consult a lawyer for advice. They can fight for your right to adequate compensation where appropriate.
Not Enough Evidence
Some workers’ compensation claims are straightforward, and there’s enough evidence to suggest your workplace played a part in your injury or illness. However, that’s not always the case. Sometimes, a lack of evidence can see a claim denied.
Working with a law firm specialising in workers’ compensation claims can be important in this situation. They can help you gather the necessary evidence to potentially have your claim accepted, such as a medical certificate from a medical practitioner outlining that a workplace substantially contributed to a medical condition or injury.
As frustrating as it can be, not all workers’ compensation claims are immediately approved. If your claim has been denied for these reasons above or others, now might be the right time to explore your legal options.
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