Denied claims
A denial letter isn't the last word
Insurers deny claims for reasons that can often be answered: a late report, a missing record, a doctor's note that says the wrong thing.
Read the letter for two things: the reason, and the deadline to object. Then bring it to us, with any texts, pay stubs and medical papers you have.
We find what the insurer didn't have, ask for the right medical evaluation, and take the claim before a judge if that's what it needs. We do the same when checks stop, or when the insurer won't approve treatment.
Why claims get denied, and what answers it
- 01
Reported late
A text, a call log or a coworker who saw it can show you told someone in time.
- 02
Not caused by work
A doctor who knows your job can explain how the work caused or worsened the injury.
- 03
A condition you already had
An old injury made worse at work can still be covered.
- 04
Missing paperwork
We request the records the insurer says it never got, and send them where they need to go.
After a denial
How long do I have to object?
It depends on your state and the kind of denial, and some deadlines are short. Call as soon as the letter arrives and we'll read the date with you.
My checks stopped without a letter. Is that a denial?
Treat it like one. Write down the date of the last check and call us; stopped benefits can be challenged the same way.
Will I have to go to court?
Many denied claims settle before a hearing. If yours goes to one, we prepare you for every question beforehand, and an interpreter can be there.
Bring us the letter
Photograph it and bring it to the nearest office, or read it to us over the phone.