What to Do When Denied a WC Claim From CNA*

For most employees across the U.S. an injury at work or a work related illness can mean financial hardship in addition to the pain and suffering caused by the injury or illness themselves unless compensation is paid.

In many cases, genuine cases of workplace injuries and sickness will be covered by an employer’s workers’ compensation insurance.

Companies like CNA provide this sort of insurance to cover unexpected medical costs as well as reimbursement of part of any wages that have not been paid while an employee was absent from work. Not all claims are successful.

If your claim is denied, a workers’ comp. attorney can help you appeal the decision.

CNA – Company Profile

CNA is a U.S. and international insurance company that focuses on business risks including workers’ compensation. Its corporate headquarters are in Chicago, Illinois.

It also has a number of regional offices across the U.S. as well as several overseas offices providing insurance services in Europe and Canada. CNA has been operating as a successful insurance provider for more than a century.

Tips to Help Devise a Strategy to Reverse a Workers’ Comp. Claim Denial

    Denied by an employer's insurance company
  • Tip#1. Many claims are denied because of simple errors in paperwork. Sometimes, it is you, the claimant, who has not submitted the right documents, or has been too late submitting them. At other times, it is someone at work in an office who has got dates or times wrong and this has led to your claim being denied because it appears that you were not at work when an injury was supposed to have happened. Usually, these simple errors can be sorted out which may allow the decision to be reversed.
  • Tip#2. If this is not an option, then the best advice at this stage is to decide whether it is worth appealing. Talk to a knowledgeable attorney, especially one who already has experience with claim appeals.
  • Tip#3. If you get the go-ahead for an appeal from the attorney, make sure it is submitted in time. There will be a specified time allowed for appeals to be submitted after having your claim denied.
  • Tip#4. With help from the attorney make a list of evidence that can be obtained which supports the original claim for compensation. This might prove that you were at work on a given day and time of day. It might be medical records. It might be confirmation of expenses after your accident or sickness. Whatever the evidence you need to obtain, it should address the reason(s) given by the state workers’ comp. board for denial.
  • Tip#5. There will be an administrative hearing at some point after an appeal is received. A judge is likely to be appointed to listen to the arguments for an appeal at this hearing. This is when you should have convincing evidence of the work related nature of the injury or illness and the sort of treatment you received and how much it all cost.

Consult with a Workers' Compensation Attorney

Appealing a workers’ compensation claim denial can be quite a lot more difficult than filing the claim in the first place. It is advisable to get professional legal help when considering an appeal.

An experienced workers’ compensation attorney will have dealt with these sorts of unsuccessful claims before and will save a lot of time working out what to do to maximize the chance of a successful appeal.

*The content of this article serves only to provide information and should not be construed as legal advice. If you file a claim against CNA or any other company, you may not be entitled to any compensation.