How Can You Maximize Your Workers’ Comp Settlement

Winning your workers’ compensation claim becomes much easier when you are fully prepared. Before you file your claim, make sure that you have fully prepared your case. There are several things you can do to ensure that your case has a successful outcome. You will also be able to maximize your settlement to ensure you have everything you need.

Make Sure You Have a Solid Case

In order to win a workers’ compensation case, you need to have a legitimate claim. Your case must be carefully documented. Seeking medical treatment as soon as you are injured is the best way to start the documentation process. Once you file your claim, there are chances that you may be denied. If that occurs, it is up to you to file an appeal on time.

Maximize Your Settlement

Once you have decided to file your claim, you might have to dispute your rights. This includes getting a settlement that will take care of your needs. The following strategies will help you guarantee that you get the best settlement possible.

  • Make sure your employer knows about your injury when you file your claim. Reporting it immediately will make your claim more credible.
  • Seek medical treatment as soon as you are injured.
  • Learn as much as you can about your workers’ compensation disability rating and what it means to your case. If you have questions, ask your doctor for explanations.
  • Take advantage of the disability benefits you are entitled to. Don’t turn down any benefits even if you aren’t sure if you would need them.
  • Document everything so that you have an accurate record of the events that took place during your injury. Take photographs of the scene if you can and keep an accurate record of everyone who was there at that time.
  • Be prepared to be examined by a third-party or independent medical examiner who will give you a thorough physical exam to validate your doctor’s findings.
  • Be cautious when speaking to the medical examiner and always be as truthful as possible. In most cases, it’s best to just answer any questions that they may have. Offering too much additional information may confuse the situation and harm your claim.
  • Also, be honest with the insurance company. It’s important to be as truthful as possible about what happened before, during, and after your accident.

It’s important to always tell the truth about your work-related injuries. With proper documentation, your records will speak for you. Be as accurate as possible when keeping records, and make sure to update them regularly. Take the time to collect as much information as possible and keep a copy of your medical records in hand. If you are injured while at work, it is up to you to ensure that your rights are protected and get the best possible settlement.

At RMS Insurance, we are dedicated to protecting the operations of businesses and their employees. Our comprehensive coverage provides protection against a broad scope of exposures your clients’ businesses and employees face to promote their success and longevity. For more information, contact us today at (516) 742-8585.