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When the Insurance Company Denies Workers Compensation Benefits

Why do workers’ compensation insurance companies deny you the weekly benefits and medical treatment you need?

There are many answers to that question, but one likely answer is that they believe it is in their financial best interests to do so.  Paying you benefits costs the insurance company money.  If the insurance company pays less benefits to you and to other people, they make more money.

How does the insurance company deny benefits?

In Georgia, the workers’ compensation insurance company should follow certain rules when they deny benefits.  These rules are designed to give you information about what benefit the insurance company is denying and why they are denying benefits.

These rules require the insurance company to file certain forms with the Georgia State Board of Workers’ Compensation.  The insurance company must send a copy of these forms to you.  Sometimes, these forms must include medical reports from your doctors.

The insurance company should file a Form WC-1, Form WC-2 or a Form WC-3 if they are denying you benefits.  If your whole claim is denied, you should receive a Form WC-1 or Form WC-3.  The Form WC-2 is used when they are changing your weekly benefits.  The Form WC-3 is also used when denying medical treatment.

Many times the insurance company does not follow the rules.  They may simply stop paying you weekly benefits.  They may just not give the doctor’s office approval to perform an MRI, physical therapy or some other treatment that you need.  You may not even know that they should be paying you a certain type of benefit like temporary partial disability or permanent partial disability.

Their denial of benefits can harm you in many ways.  You are harmed financially when you are not receiving weekly benefits.  You suffer physically when your medical treatment is denied.  If you wait too long, you can even lose your right to ever get benefits.

How can you get the workers’ compensation benefits you need?

Many people do not know what to do when their benefits are denied.  Some of them simply do nothing and wait.

Don’t do this. You could lose your right to benefits.  If you have already waited some time after your benefits are denied, don’t wait any longer.  There may still be time to get you benefits.

You should do something to make sure you get the benefits to which you are entitled.  If the insurance company refuses to provide the benefits they should, you can enforce your rights in court.

The right to have your day in court and present your case is one of your most important rights.  Just like there are forms to deny benefits, there is a form to request a hearing. It is called a Form WC-14.  This form allows you to ask for a hearing about the benefits that are being denied.

Is there anything I should do before requesting a hearing

There is one thing you definitely need to do before requesting a hearing.  Talk to an attorney who specializes in workers’ compensation.

Going to court is tricky.  There are many special rules that must be followed.  If the rules are not followed, the judge will not consider all your evidence.  If this happens, you will probably lose your case. An attorney can make sure your side of the case is heard.

Some people do not talk to an attorney because they think it is going to cost them a lot of money.  You can talk to one of our attorneys who specializes in workers’ compensation case for free.  This can help you make the best decision about what you should do in your case.  If you decide to hire us, you only pay us if we succeed in getting you benefits.

Don’t let the insurance company get away with treating you wrong.

What if I have other questions about workers compensation?

Georgia’s workers compensation system can be very confusing.  You have to worry about getting the treatment you need and paying your bills while also worrying about not missing any deadlines that could cause you to lose your right to receive workers compensation benefits.

If you have questions, I would recommend that you try to get answers.  To find out more about how to schedule a time to talk to me about your workers compensation questions, just read this short article.

Jason Perkins is an attorney who specializes in representing injured workers.  He regularly publishes videos and write blog articles about Georgia’s workers compensation system and issues that are important to injured workers and their families.

To be notified of Jason’s new workers compensation videos, subscribe to his Georgia Workers Compensation Video Series channel on YouTube by clicking the subscribe button below.

Brittney-lee orourkeBrittney-lee orourke
05:23 18 Feb 22
Amazing! Jason and his team were very helpful and had the best communication by far. Walked me though every step with great detail and had answers for any question I had. They handled my case better then I could imagine, it was a weird case and they stayed on top of it and kept me updated every step of the way! Highly recommend this Team! Thanks so much to Jason and his Awesome team!-Brittney
China JonesChina Jones
18:58 08 Feb 22
I absolutely love this group of attorneys, when I was at my lowest they did everything they could to help me get justice for my injury. I believe if I were to have never picked my phone up and called the amazing group that helped me I definitely would not have received my idea of rights. If you have an issue and are just not sure please understand that they will help you, stay in contact, answer any question you have, and for sure get you the justice you deserve I thank them from the bottom of my heart and I will definitely refer them to anyone who has been hurt because they most definitely care about their work and clients.
Luv LocsLuv Locs
16:08 15 Jan 22
The entire law office was attentive and responsive to all of my concerns dealing with my workers compensation case.
21:14 02 Jan 22
If you must get a lawyer involved, you’d do well to work with Jason Perkins and his team at Perkins Studdard Law.They were thorough in gathering information and in sharing all the steps in the workers comp process specific to my case. Jason and the team were responsive to my bevy of questions and concerns.I appreciated the informative videos and consultations provided by Jason over video meetings and multiple phone calls.I hope I’m never injured on the job again. However, if I am and if my employer responds as my previous employer did, I’ll contact Perkins Studdard Law immediately to handle the case.
Dana BessDana Bess
23:57 10 Dec 21
Everyone at Perkins Studdard was kind and professional. They were always extremely responsive and answered all questions that I had and followed up to make sure I had an understanding of what was going on along with emailing videos to explain every step of my case so I would know what to expect and be prepared. Jason is a very genuine person and I trusted him with my case. He answered so many questions for me even before I retained him as my WC lawyer. I highly recommend him and his associates at Perkins Studdard.

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Jason Perkins

Workers' Compensation Attorney

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