Gruccio, Pepper, De Santo & Ruth P.A.
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Did the insurer deny your workers' compensation claim?

A work injury can occur in a variety of ways. Perhaps you didn't even realize you had hurt yourself until you woke up the next day -- or weeks later -- in pain. On the other hand, maybe you drove straight from work to an urgent care facility for stitches. In a worse scenario, emergency responders carried you from the workplace in an ambulance, or even a helicopter.

In the midst of your recovery, there is the process for claiming workers' compensation insurance. This benefit pays for your medical expenses and lost wages in exchange for your right to file a lawsuit against your New Jersey employer to recoup those losses. However, it is not always easy to get the benefits you need, and a denial of your claim could result in serious hardships for your family.

Why did the insurer deny my claim?

If you slammed a hammer onto your own thumb, stepped in front of a moving forklift or reached for a sharp object without thinking, you may believe you do not qualify for workers' compensation because the accident was your own fault. However, this is not always the case, and your claim may still be valid even if your own carelessness resulted in your injury. However, there are some factors that may make you ineligible for benefits, including these:

  • A careless moment is one thing, but your employer may accuse you of horseplay on the job or a pattern of noncompliance with safety protocol.
  • If you miss the timeline for reporting your injury to your employer or filing your paperwork for benefits, the insurer may deny your coverage.
  • You may find it more difficult to prove that certain injuries or medical conditions are related to your employment, such as some mental disorders.
  • An injury that occurs on the job during your impairment from drugs or alcohol does not qualify for workers' compensation benefits.
  • If you fail to receive medical care or to follow through with your doctor's orders, you may lose your coverage.
  • The insurer may also deny your benefits if you refuse to submit to additional tests or exams.

If your employer's workers' compensation insurer denies your claim for benefits, you have a limited time to file an appeal. Seeking legal assistance for preparing a solid case may help you meet your goals for obtaining the coverage you need for your workplace injury.

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The Law Offices of Gruccio, Pepper, DeSanto & Ruth, P.A.
817 East Landis Avenue
Vineland, New Jersey 08360

Toll Free: 877-760-1031
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Gruccio, Pepper, DeSanto & Ruth, PA