Common Workers’ Comp Delay Tactics & What to Do

An insurance company’s primary goal is to maximize profits, and one way they can do so is by minimizing the amount they pay out in claims. Some workers’ compensation insurance companies use delay tactics to slow down the claims process, hoping claimants will eventually give up or accept lowball settlement offers.

The legal team at Jodie Anne Phillips Polich, P.C., wants to empower workers by calling out these underhanded delay tactics and providing helpful tips to overcome the challenges such tactics pose.

Lack of Communication

When communication falls by the wayside, it compromises your claim. Some adjusters resort to techniques like refusing to answer emails or phone calls promptly to slow down the claim process. The best way to respond to this type of behavior is to keep detailed records of all communication between you, your employer, and the insurance company. Note the dates and times of your requests for information, and keep all written correspondence as proof of lack of communication.

Slowing Down Communication

Slowing down communication is akin to a lack of communication. By not answering your questions promptly, an insurance adjuster jeopardizes your claim and slows down the process. As with a lack of communication, the best way to fight back against insurance adjusters slow-walking your claim is to document everything and bring your concerns to a knowledgeable lawyer.

Disputing Injuries or Not Authorizing Treatment

Sometimes an adjuster might delay your claim by disputing your injuries or requiring multiple medical examinations by doctors the insurance company selects. If the denial appears to be unjustified, provide the insurer with any additional evidence or documentation you have that supports your claim. If the insurer continues to deny or delay the claim, you should seek the advice of an experienced attorney who can help you navigate the claims process and file a lawsuit if necessary.

Asking for a Recorded Statement

It is rarely in your best interest to provide an insurer with a recorded statement without legal representation. An insurer can use your words against you to limit your benefits or deny your workers’ compensation claim. Consult an attorney immediately if an insurance company asks you for a recorded statement.

Offering a Light-Duty Job

Your employer might tempt you to return to work by offering you a light-duty job. However, accepting this type of offer could be used as evidence against you in your workers’ compensation claim. For instance, an adjuster might argue that since you can return to work in a light-duty capacity, you can’t be too seriously hurt, and your workers’ compensation benefits should be reduced or denied.

Delaying Payment or Failing to Pay Medical Bills

Medical providers expect payment for their services. However, some adjusters might delay payment to providers or claim they are waiting on authorization to avoid covering your medical expenses. Some adjusters could even argue that specific medical treatments are unnecessary, meaning workers’ compensation benefits won’t cover them.

How an Attorney Can Help with Workers’ Compensation Delay Tactics

At Jodie Anne Phillips Polich, P.C., we are committed to helping you understand your legal rights and fighting against these common delay strategies. If you are experiencing unnecessary insurance delays after a work-related accident, now is the time to get legal help. Contact Jodie Anne Phillips Polich, P.C., for a free consultation today.