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December 12, 2017
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Workers Compensation Claims: Battling the Employers' Insurance Company
by danroserealestate
 Gold & Fox Queens Workers Compensation Firm
Dec 12, 2017 | 664 views | 0 0 comments | 20 20 recommendations | email to a friend | print | permalink
The only reason why an employer disputes over a workers' compensation claim is money. Employers pay premiums to insurance companies for worker's compensation benefits which is mandatory in most states. When injured workers start filing for benefits, the insurance premiums are greatly affected.

Premium fees


The more employees file workers' compensation, the higher the premium costs for the employer to pay. Worker's compensation insurance premiums rise due to the following reasons: more workers actually file claims than the estimated number and; when an expensive claim is being filed which was not expected. An example of this is a back surgery, this is a particularly expensive claim.


Employers and their insurance companies always hire the services of investigative agencies to watch the daily activities of their employees who have filed these workers' comp claims. They want to make sure that the employee is really suffering the illness they claim to rule out fraud and determine if he or she deserves the claim.


Insurance agencies' employer bias


Many employers think that some injuries being filed are not valid or serious. They assume that employees are not really honest and truthful and are just "malingering". Some employers hold the belief that employees who suffer from carpal tunnel syndrome or a lumbar back injury are just feigning sickness for the purpose of financial gain.


Insurance companies have employer bias in cases when an employee suffers injuries or pain that can't be verified by medical examinations or laboratory tests. Some medical conditions are not easy to objectively verify and this doesn't mean that the employee is malingering.


Reasons to deny a claim


Sometimes, your employer or the insurance company denies your claim or a part of it. A written notice should be given to you. The most common reasons are: not suffering a serious injury; injury wasn't within the scope of employment; no need for a medical treatment for the injury suffered; and no need to take a sick leave or be absent from work due to the injury.


Battling against the insurance company


1. When you receive a notice of the denial of benefits or claims, phone or send a letter to your company's workers' compensation insurance carrier.


2. If it doesn't solve the problem, hire a worker's compensation lawyer as he knows the workers compensation law and can help you in requesting for a hearing with the workers' comp board.


The main point is, employees who have been sick or injured resulting from doing their job should file for workers' compensation benefits to protect themselves. If the insurance company denies it, they should fight by seeking one who is knowledgeable of workers' compensation law -- a workers' compensation lawyer.


It is one of the rights of workers that he be given time off from work and his medical treatment be compensated for. The worker should not worry about the employer who might hold him in contempt because he is filing a claim. He should not have to worry about battling the insurance company for his workers' comp benefits as he is entitled of them.
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Gold & Fox Queens Workers Compensation Firm by danroserealestate
Your Local Source For Finding The Best Lawyer For Workers Compensation Claims
Dec 12, 2017 | 69 views | 0 0 comments | 0 0 recommendations | email to a friend | print | permalink

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Workers Compensation Claims: Battling the Employers' Insurance Company
by
Dec 12, 2017 | 664 views | 0 0 comments | 25 25 recommendations | email to a friend | print | permalink
The only reason why an employer disputes over a workers' compensation claim is money. Employers pay premiums to insurance companies for worker's compensation benefits which is mandatory in most states. When injured workers start filing for benefits, the insurance premiums are greatly affected.

Premium fees



The more employees file workers' compensation, the higher the premium costs for the employer to pay. Worker's compensation insurance premiums rise due to the following reasons: more workers actually file claims than the estimated number and; when an expensive claim is being filed which was not expected. An example of this is a back surgery, this is a particularly expensive claim.



Employers and their insurance companies always hire the services of investigative agencies to watch the daily activities of their employees who have filed these workers' comp claims. They want to make sure that the employee is really suffering the illness they claim to rule out fraud and determine if he or she deserves the claim.



Insurance agencies' employer bias



Many employers think that some injuries being filed are not valid or serious. They assume that employees are not really honest and truthful and are just "malingering". Some employers hold the belief that employees who suffer from carpal tunnel syndrome or a lumbar back injury are just feigning sickness for the purpose of financial gain.



Insurance companies have employer bias in cases when an employee suffers injuries or pain that can't be verified by medical examinations or laboratory tests. Some medical conditions are not easy to objectively verify and this doesn't mean that the employee is malingering.



Reasons to deny a claim



Sometimes, your employer or the insurance company denies your claim or a part of it. A written notice should be given to you. The most common reasons are: not suffering a serious injury; injury wasn't within the scope of employment; no need for a medical treatment for the injury suffered; and no need to take a sick leave or be absent from work due to the injury.



Battling against the insurance company



1. When you receive a notice of the denial of benefits or claims, phone or send a letter to your company's workers' compensation insurance carrier.



2. If it doesn't solve the problem, hire a worker's compensation lawyer as he knows the workers compensation law and can help you in requesting for a hearing with the workers' comp board.



The main point is, employees who have been sick or injured resulting from doing their job should file for workers' compensation benefits to protect themselves. If the insurance company denies it, they should fight by seeking one who is knowledgeable of workers' compensation law -- a workers' compensation lawyer.



It is one of the rights of workers that he be given time off from work and his medical treatment be compensated for. The worker should not worry about the employer who might hold him in contempt because he is filing a claim. He should not have to worry about battling the insurance company for his workers' comp benefits as he is entitled of them.
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Real Personal Injury Law Cases in NY: $73k Payout
by queensledgerNYC
 Top 3 NY Personal Injury Lawyers: Guide & Directory
Dec 12, 2017 | 564 views | 0 0 comments | 21 21 recommendations | email to a friend | print | permalink
A story told by car accident victim in the NY Area:

When I was 11 years old, I was in a car with my father, having some bonding moments while driving to fill up gas in the New York area. We were having a great time, and my father turned the car right, to turn onto a street. Then I saw it. My surroundings went silent. All I saw was a car coming full speed ahead right into us. I blacked out before it actually hit. Next thing I know, I wake up to my father shaking me, smoke and fire all over the place, a jammed door, yelling and a lot of brown paper shopping bags flying around both cars. My father pulled me out of the car from his side. His nose was bleeding. The other drivers nose was bleeding too. Mine wasn’t, and i didn’t have any shopping bags on my side of the car. Later I discovered the shopping bags weren’t the other drivers groceries, they were the air bags. Mine didn’t come out, and thank God, my seat-belt saved my life. My only injury was a mark from the seat-belt. It was clear that this was not your common everyday car accident injury.

The back story:

Who was the other driver? He was a 17 year old boy who had just gotten his license and a new Volvo from his well-to-do parents. He was partying with 3 friends and they had all been drinking. In the high spirits, he decided to cut a street corner, not realizing that what came around that corner would sober him up very quickly.

The damage:

Both cars were totaled. Finished. My father had surgery three times from different parts of his leg which got dislodged or dislocated. He needed physical therapy, and couldn’t carry things for a while. The whole story was very traumatic for me and my whole family.

A solution:

A personal injury law suit. In the world we live in today, we constantly hear about big companies suing each other. Or big companies suing small companies. Either way, it sounds like a great way to get reimbursed on an emotional/mental level. Meaning, not just monetary payment for monetary damage, but payment for the pain, hassle and trauma. The car my father was driving was only worth a few thousand dollars, but for the pain and intense hassle involved in the whole accident, plus the fact that the other driver was in the wrong, they cut him a check for $73,000.00. Not to mention the grueling injury litigation process. The reality though is that most personal injury court cases involve a party who wins a lot of money, but lost a lot more than money can ever buy.
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