Workers’ compensation can help cover lost income or medical expenses associated with an injury you sustained at work.
However, not every claim is successful. Here are a few common reasons Connecticut insurers deny workers’ compensation claims.
Your injury is not work-related
To qualify for workers’ compensation, your injury must happen at work or as a result of work. Doubt can arise if you never reported your injury. To protect yourself, report even the smallest injuries to your supervisor as soon as they happen so that you establish a record of the incident. Make sure you seek medical treatment, too.
You missed the deadline
You have one year from the date of your injury to file a claim. If you developed a disease or illness from work, you have three years from when you first noticed symptoms.
You were under the influence
Connecticut is a no-fault state. This means you can get workers’ compensation even if the injury is your fault. However, you become ineligible if you injure yourself while under the influence on the job.
You are a contractor
Depending on the size and type of business, employers must pay for workers’ compensation insurance. Unfortunately, independent contractors do not get the same benefits as employees.
Your application is incomplete
Insurers commonly deny or delay the approval of applications that are incomplete or contain incorrect information. When you apply, make sure you include all the appropriate information and supporting documentation so that you make the best case for yourself.
Knowing the eligibility and application requirements can lower the likelihood of insurers denying your workers’ compensation claim.