Some workers’ compensation cases are fairly straightforward and can be pursued without any legal assistance. However, there are times when it makes sense to hire an attorney. Consider hiring an attorney if one of these three reasons applies to your case.
1. Your Claim Has Been Denied
Insurance companies may deny workers’ compensation claims for several reasons. One of the most common is that the insurance company determined that your injury was not work-related. Claims may also sometimes be denied due to procedural errors or missed deadlines. When a claim has been denied, claimants are usually entitled to appeal the decision. An Iowa workers compensation attorney can assist you with the appeals process and help you win your case.
2. Dispute Over Your Permanent Disability Rating
Compensation for medical bills and other expenses related to workers’ compensation claims is usually pretty straightforward; however, disputes often arise between the insurance company and the claimant over the amount of the settlement owed due to permanent disability. Settlements are based upon the permanent disability rating determined by the treating physician. If the insurance company objects to the rating assigned by your physician, they may require you to submit to an independent medical examination. IME doctors usually assign substantially lower ratings. An attorney can help negotiate with the insurance company or argue your case in court.
3. Treatment Has Been Denied
Insurance companies may cause treatment delays or deny coverage for necessary medical procedures. An attorney may be able to convince the insurance company to provide timely approval for necessary medical care to avoid the potential for large out-of-pocket medical expenses or denial of care.
If you have been injured on the job, the last thing you probably want to do is fight with the insurance company over your compensation and medical care. An attorney can help you negotiate with the insurance company or pursue your case in court.