SC Workers’ Compensation Benefits Denied?
SC workers’ compensation laws have two reasons for existing:
- They are a safety net to ensure that employees’ medical needs are taken care of if the employee is hurt while making money for their employer; and
- They protect employers from lawsuits for on-the-job injuries.
But, what happens when your benefits are denied or terminated, you can’t file suit, and now you are left paying the medical bills? If this happened to you, you may feel used and abandoned by your employer…
What are your options?
How a Myrtle Beach Workers’ Comp Lawyer Can Help
It makes sense to get your SC workers’ comp attorney involved from day one. Your attorney can help you to:
- Submit your claim with the proper documentation;
- Gather your medical records and the evidence that you need to prove your claim;
- Negotiate a settlement that fully and fairly compensates you;
- Fight for your benefits in workers’ compensation commission hearings; and
- Appeal any adverse or unfair rulings.
Remember that, although SC workers’ comp laws are supposed to protect you, the insurance company will do everything possible to avoid paying benefits. They are in the business of making as much money as possible, not helping injured workers.
This means that they are looking for any loophole, mistake that you made in your paperwork, statement that you made… anything that will allow them to avoid paying benefits and put your medical costs in their own pockets.
What if My SC Workers’ Compensation Benefits were Terminated?
Even after your workers’ comp claim is approved, the insurance company will continue to look for reasons to terminate your benefits.
Often, benefits are appropriately terminated when they are no longer needed. But, if they are wrongly terminated, your SC workers’ comp lawyer can help you to appeal the decision and present evidence that shows why your benefits should continue.
Benefits can be terminated for many different reasons, but the most common include:
- You return to work for at least 15 days;
- You sign paperwork that says you can return to work;
- Your doctor declares that you can return to work; and
- Investigations by your employer or the insurance company makes them believe that you can work.
Believe it or not, workers’ comp insurance companies in SC routinely employ investigators to put injured workers under surveillance. The investigators will sometimes return to their bosses triumphantly displaying photographs or videotape of you raking the leaves, mowing the grass, or playing in the yard with your children.
Whether the insurance company is terminating your claim based on surveillance or based on a report from their doctor, their information is often taken out of context. When they are wrong, you may need your own expert testimony to counter their allegations and prove to the commission that your injury prevents or limits your employment.
SC Workers’ Compensation Lawyers in Myrtle Beach
At the Lovely Law Firm, we help injured workers get the benefits that they desperately need, and we fight insurance companies who would deny your benefits in the interest of profits.
If you need help filing your workers’ compensation claim, negotiating your claim, or appealing an unfair termination of your benefits, call us at (843) 839-4111 or fill out our online form to schedule a free case evaluation.