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What Are Some Tactics Adjusters Use to Reduce Your Workers’ Compensation Claim?

Dealing with an injury is never easy, but when you were hurt at work, the situation becomes more involved. When you file a workers’ compensation claim you will need to talk to the insurance adjuster throughout your case. It is important to understand that the insurance adjuster, or your employer, may try to utilize some common tactics during the claims process that could impact your claim. Call an experienced workers’ compensation attorney in Rome to help you avoid some of the pitfalls of the procedure.

Refusing to Approve a Referral Physician

The authorized treating physician (ATP) is your primary doctor when you first get treatment for a work injury. Once your doctor evaluates your condition, he may find that you need to see a specialist or another doctor. In some instances, the insurance company might not approve the referral. This could delay your treatment and make the situation more difficult. The insurance company should not do anything that may negatively affect your medical care.

Waiting Too Long to Approve Your Claim

Workers in Georgia are entitled to workers’ compensation benefits if they are out of work for longer than a week with a work injury. Unfortunately, the insurance adjuster may take a long time to approve your claim in the hopes that you will simply recover and go back to work and they won’t need to make a payment. Consult with your attorney if your claim is delayed.

Employer Offering Light Duty

Sometimes an employer may informally tell you that if you return to work they will provide you with a light duty job. If you don’t take the offer, the insurance company may try to say that you were unreasonable and that you did not want to go back to work. Unless the employer goes through the correct process and gets the light-duty job approved first, you are not required to accept this offer.

Taking Recorded Statements

The insurance adjuster will speak to you to discuss the details of your accident and injury. Be aware that the statements they take will be recorded. Recordings allow them to use your own words against you later in the workers’ compensation case. For example, if you leave out some important details, the adjuster may say that your statement is inconsistent with your injuries. Therefore, do not speak to an adjuster before you talk to your workers’ compensation attorney.

Not Allowing You to Change Doctors

The Georgia Workers’ Compensation laws allow you to make one change to your primary physician or panel of physicians. You are within your rights to request a change; however, sometimes an employer may not allow you to do so. This is something you should immediately bring to the attention of your workers’ compensation attorney.

The workers’ compensation process is often difficult and complicated. You can make sure that the situation goes smoothly and you obtain the benefits you deserve with help from a Rome workers’ compensation attorney. Contact the Bader Law Firm, LLC for a free initial consultation.

Seth Bader is an Auto accident, Workers Compensation and Personal Injury Attorney who practices in Atlanta, Rome, Savannah, Norcross, Carrollton, Georgia. He graduated from Florida State University College of Law, and has been practicing law for 14 years. Seth Bader believes in fighting for the injured. Learn more about his experience by clicking here.

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