Some workplaces in Michigan are inherently dangerous spaces. While others are not usually hazardous, workplace injuries occasionally happen. For both reasons, most employers in the Wolverine State must have workers’ compensation insurance. If you sustain a job-related injury at work, though, there is no guarantee your employer’s insurer will compensate you fairly.
Extent of injury denials are not exactly rare with workers’ compensation insurance. With these denials, the insurance company argues that you are not as injured as you say you are. Of course, receiving an extent of injury denial can be tremendously disheartening, especially if you are unable to support yourself and your family members due to your work-related injury.
With a number of bones, organs and systems, the human body is complex. As such, not every injury has outward signs that are easy to identify. If you have hidden injuries, such as internal ones, a workers’ compensation insurance adjuster may try to downplay them. Alternatively, in denying or limiting the claim, the adjuster may assert that injuries did not occur at work. Nonetheless, because pursuing workers’ compensation is your exclusive remedy, you should be able to receive compensation for any type of workplace injury.
If you are receiving treatment for an on-the-job injury, you may have a good working relationship with your physician. Your employer’s workers’ compensation carrier, though, may want you to undergo an independent medical examination. The purpose of this evaluation is to see if your injuries are as severe as you think they are. Unfortunately, because insurers often have profits in mind, they may rely too heavily on the third-party evaluation. Even worse, this secondary medical examination may not be as independent as the insurer would like you to believe.
You probably do not have to stand idly by while your employer’s workers’ compensation insurer denies your claim. That is, you likely have some options for pursuing fair payment for your job-related injury. Still, you must act quickly to protect yourself and assert your legal rights. Understanding an extent of injury denial, nonetheless, is a good place to start.