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What to Do if You’re Workers Compensation Claim is Denied

You shouldn’t give up on getting your workers compensation benefits if an insurance company denies your claim. Work comp claims can be denied for a variety of reasons, and you may still be entitled to benefits. At Fields Law Firm, our Minnesota workers compensation lawyers can help build a strong appeal on your behalf, so you have the best possible chance of getting your claim approved.

Let us answer your questions about the workers compensation appeal process. There’s no obligation to become a client, and the advice is free. Pick up the phone and call 1-888-343-5375 or complete a free contact request form for help with your claim. Calls are answered 24 hours a day, seven days a week.

Why was my Workers Compensation Claim Denied?

After you are hurt at work, you may be surprised to learn that the insurance company has denied your worker’s compensation claim. Many people assume that when they are hurt at work, their employer will cover their medical treatment and lost wages due to their work related injury. However, that is not always the case.

In general, Minnesota Workers Compensation law allows an injured worker’s employer and insurer the opportunity to investigate the claimed work injury and the circumstances surrounding the injury.

When an Insurer receives notice of a claim for worker’s compensation benefits, the Insurer conducts an investigation of the claimed work injury. In this investigation, the Insurer may review video of the workplace, gather information from co-workers and supervisors, review medical records and doctor’s notes, and speak to the injured worker.

Based on this investigation, the claim will then be accepted or denied. The Insurer for the Employer will make one of three different types of liability determinations. First, the claim may be accepted and the Insurer will pay for related medical treatment and wage loss benefits.

Second, the claim may be accepted and related medical treatment may be paid, but not wage loss benefits. Finally, the claim may be denied in its entirety; this is called a primary liability denial.

Medical Benefits Only

If you are injured at work, but do not miss any time from work due to your injury, the Insurer may tell you that your claim is accepted but wage loss benefits will not be paid.

In this situation, if your doctor or provider takes you off work due to your work injuries, make sure to provide a copy of the work restrictions to your Employer and Insurer so that the Insurer may review the decision not to provide wage loss benefits. Generally, if you miss more than three days from work due to your work injury, and have a note from your doctor that takes you off work for more than three days, wage loss benefits should be paid.

Primary Liability Denial

When primary liability is denied, that means no medical benefits or wage loss benefits will be provided to the worker by the Employer and Insurer.

In this situation, the Insurer commonly determines that the worker’s injury was not caused by work activities. Other reasons liability is denied by the Insurer include: the worker was not an employee when the injury occurred, the employer is exempted from providing workers compensation benefits by law (for example some family farms, as defined by Minnesota law, do not need to provide workers compensation benefits), there is no proof of the work injury, the injury did not arise out of/or in the course of employment, or the worker had the medical condition before the claimed work injury.

If you disagree with the Insurer’s liability determination, you should contact a Minnesota Workers Compensation attorney to discuss your rights and responsibilities under Minnesota workers compensation law. In certain situations, there may be a legal reason why a worker is not entitled to worker’s compensation benefits.

Commonly, after the Insurer has made a primary liability denial, the injured worker needs to file a formal Claim Petition and request a Workers Comp Hearing to obtain benefits the worker is entitled to receive pursuant to law.

Minnesota Workers Compensation Appeal Lawyers

Just one error or omission on your workers compensation paperwork can cause your claim to be denied. Our workers compensation attorneys will request your Notice of Insurer’s Primary Liability Determination Form, which details the reasons why your insurer denied your claim.

Once we know why your claim was denied, we’ll do everything we can to help you get your benefits. Whether we need to gather additional medical evidence or hire an expert witness to dispute the insurance company’s ruling, we’ll help you through every step of your appeal. Insurance companies have teams of lawyers fighting for them – let us protect your rights to the benefits you need.

Legal Help You Can Trust

If you find your workers compensation claim denied, call Fields Law Firm. We can help you get the Workers Compensation Benefits you deserve. We know insurance companies can make it hard for you to get benefits, but you’re not alone. Our Minnesota law firm has one of the largest team of professionals dedicated to helping injured workers in the state, and we want to help you, too. Contact us anytime if you’ve been denied workers compensation benefits. We’re here to listen.

SETTLEMENTS AND RECOVERIES IN ALL CASES DEPEND ON SPECIFIC FACTUAL AND LEGAL CIRCUMSTANCES WHICH ARE UNIQUE TO EACH CLIENT’S CASE. PAST CASE RESULTS ARE NOT A GUARANTEE OR PREDICTION OF SIMILAR RESULTS IN FUTURE CASES WHICH THE FIELDS LAW FIRM AND ITS LAWYERS MAY UNDERTAKE.

READ OUR CLIENT REVIEWS

John Kelley
John Kelley
21:38 16 Oct 18
I was having issues with an insurance company and I hired fields law firm. The people there are amazing and always quick to answer questions even a couple times on the weekend. I worked with Blake amazing person and very informative on my case. I would highly recommend this firm to any of my friends.read more
Michael Frazier
Michael Frazier
23:58 10 Oct 18
I had the pleasure to work with Michael and Annie on my LTD case. When my claim was denied by the insurance carrier, Michael didn't hesitate to take them on with an appeal. He worked diligently on the appeal and ultimately won this for me. Mind you, this wasn't a huge case but he treated me like it was and as if I was the only case he was representing. He kept me abreast of vital information, it was clear that he knew his stuff and wasn't afraid to take on the big insurance company. Michael was much more than I ever expected given that our relationship was entirely remote, handled by telephone and email only. Not only is he a strong lawyer, he treated me with compassion and respect. I am beyond pleased with him and the Fields Law team. Michael cares about his clients and he gets the job done for them because he knows how impactful an injury can be to both a person's well-being and their financial security. I highly recommend Michael and Fields Law whether you are local to their Minnesota offices or out of state like myself.read more
Melanie Eason
Melanie Eason
20:12 29 Aug 18
Fields Law Firm is great. Patrick Kramer, my lawyer, is fantastic. He and his legal assistant Samantha K. have handled my case for several years. They have kept me informed every step of the way. They are both easy to contact. I have both of their phone numbers and email addresses and they respond promptly to any messages I leave. Without their help I would not have been able to get the disability company to fulfill their promises. It is a relief to leave all the dealings with the disability insurance company in their hands.read more
Jeannie Kerr
Jeannie Kerr
23:37 15 Sep 18
My experience with Merrick Williams of Fields Law Firm has been truly above and beyond satisfactory. His knowledge and professionalism have guided me through a very difficult time. He and his assistant Angela were readily available to answer any questions and address my concerns. I highly recommend him as an attorney and will use his services again if necessary in the future.read more
ebon jordan
ebon jordan
19:51 27 Sep 18
Field Law Firm was great my lawyer Zach Schmoll was more than I could ask for. He always kept me in the loop and explain everything perfectly, got back to me whenever I called less than 24 hrs and was a extremely nice guy. This guy is young and knows what he is doing so please don’t let the age fool you. I had a wonderful experience with Field Law and will refer anyone with legal matters to them.read more
Edward Johnson
Edward Johnson
23:11 31 Oct 18
I highly recommend Fields law Firm if you need some no nonsense attorneys to represent you. I was treated courteously and efficiently each and every time by Mike and his associates. They settled my Long Term Disability case in a timely fashion. and was pleased with the results. Thanks again Mike and Fields Law Firm. You are the best!read more
Jeffrey
Jeffrey
19:19 09 Nov 18
Fields Law Firm is simply the very best when it comes to representing you & fighting for your rights! They are a "10 Star" Law Firm hands down! Michael Kemmmitt & Sarah Christensen were simply outstanding to work with. They took over my long term disability case after I was being denied my benefits & gave me the moral support & law experience that I needed to win my case. They were supportive throughout my case & they will fight tooth & nail to assure your rights are not being denied. It is so rare to find a law firm that treats you like YOU are the most important person to them. I HIGHLY recommend Fields Law Firm. They are truly advocates for justice.read more
Ben Chadwick
Ben Chadwick
23:20 12 Nov 18
Michael and Samantha were always giving me updates in a very timely manner. They were very good at getting back with me if I had questions, and they didn't have the answer at the time of our discussion. They were very thorough in their handling of my case, and we received a positvie ruling due to their efficiency and expertise. Thank you very much Michael and Samantha, I appreciate all that you did to help me with my case. I would definitely refer people to you, as well as use you in the future. Benjamin Chadwick.read more
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