Six Mistakes That Can Cost You Your Vermont Workers’ Compensation Benefits
If you’ve been injured on the job in Vermont, workers’ compensation can help cover medical bills and lost wages while you recover. However, getting the compensation you deserve isn’t as simple as filing a claim. Workers’ comp insurance companies and employers often try to find ways to reduce or deny your claim, and even minor mistakes can put your benefits at risk. To help you avoid issues in your workers’ compensation claim, here are six common mistakes that could cost you your benefits and how to steer clear of them.
- Failing To Report Your Injury on Time
According to Vermont law, employees must report a work-related injury as soon as possible but no later than 72 hours after it occurs. If you delay reporting the injury, you risk getting a denial, as the insurance company may argue that your injury wasn’t work-related. Even if you think your injury is minor, report it immediately to ensure it’s documented.
- Not Documenting the Accident Properly
While workers’ compensation doesn’t require proving negligence, you must back up your claim with solid documentation. As soon as the injury occurs, take detailed notes of what happened, including the time, location, and any factors that could have led to the injury; if possible, take photos of the accident scene and your injuries. If there were witnesses, request them to provide statements. Additionally, keep a detailed record of medical visits, treatments, and work restrictions to strengthen your claim if the insurance attempts to challenge it.
- Ignoring Your Doctor’s Recommendations
Following your doctor’s instructions is crucial for your recovery and your workers’ compensation case. This means attending all medical appointments, following prescribed treatments, and taking medications as directed. If you skip appointments or ignore your doctor’s advice, the insurance company may argue that your injuries aren’t as serious as you claim or that any worsening condition is because of your negligence and not the original injury. This can lead to a lower settlement or even a claim denial.
- Engaging in Activities That Violate Your Medical Restrictions
Insurance companies sometimes monitor injured workers to verify if their claims are legitimate. They may review your social media, ask co-workers about your activities, or even hire a private investigator to follow you around. If you’re caught engaging in activities that contradict your reported injuries, the evidence could be used against you.
- Misrepresenting or Downplaying Your Injuries
Some workers exaggerate their injuries or symptoms to secure more benefits. However, this is considered workers’ comp fraud and could have serious legal consequences. On the other hand, some downplay their pain or fail to disclose all symptoms, leading to inadequate treatment. To avoid issues, be honest with your doctor about your symptoms and keep a detailed record of your pain and limitations to ensure you get proper medical treatment.
- Refusing Light Duty Work or Returning To Work Too Soon
Workers’ compensation is designed to support injured employees until they’re medically able to work. If you refuse work that fits your medical restrictions, it could lead to a termination of benefits. On the other hand, if you return to work too soon against your doctor’s advice, you risk worsening your condition. If you have concerns about your ability to perform a job, consult a workers’ comp attorney before returning to work.
Contact a Vermont Workers’ Comp Lawyer
If you’ve been injured at work, contact our experienced Vermont workers’ comp lawyer at Sluka Law PLC at 802-457-1000 to ensure you receive the compensation you deserve.
Source:
aoa.vermont.gov/wcp/injury#:~:text=When%20should%20an,following%20the%20injury.
