Workers’ compensation insurance is something that most employers are required to take out in the event that any of their workers are injured or become seriously ill while at work. Workers’ compensation also protects the employer from private litigation by an injured employee.
Workers’ compensation claims are sometimes denied for a number of different reasons. If this has happened to you, you may still be able to reverse the decision by appealing. It is advisable to get the help of an experienced workers’ comp. attorney for legal advice if you are contemplating an appeal.
The Travelers Group – Company Profile
Your employer may have taken out workers’ compensation insurance with the Travelers Group. It is a well established group of companies that deals mostly with insurance products.
The headquarters are in New York City, but the group has a long association with both St. Paul, Minnesota and Hartford, Connecticut where the original insurance company, designed for stagecoach travelers, was established.
Like many other similar large corporations, Travelers operates through a network of subsidiaries and individual agents and brokers. It provides insurance products to individuals, government agencies and businesses which include casualty, property insurance.
Tips to Help You if Your WC Claim Has Been Denied
- Tip#1. Find out why your claim has been denied. Your strategy to reverse the decision depends on the reason(s) for denial. There may be a very simple reason why the claim has been denied. A common reason is that you submitted the claim too late.
- Tip#2. If timing is not an issue, check with both your employer and their insurance provider whether they got the information correct. There may be something that has been sent to the board that is incorrect and can be straightened out easily.
- Tip#3. If this doesn’t work, it’s time to talk to a workers’ compensation attorney. The attorney can discuss the chances of success if you opt for an appeal and what you can do to improve your chances of reversing the decision.
- Tip#4. Submit an appeal within the time frame allowed. You will be asked at some point to attend an administrative hearing where your reasons for an appeal will be heard by a judge.
- Tip#5. Depending on the reasons why your claim was denied, you should make sure you obtain further more definitive proof that a) you were injured or became sick while at work and b) that you had to have medical treatment that you had to pay for. Witness statements, time sheets showing you were at work on a particular day, doctor’s reports and hospital records are all potentially useful when you attend the hearing. Your attorney will advise you what you should obtain.
Contact an Attorney if Your Claim Was Denied
Even if you didn’t use an attorney for the original claim, you should do so if your claim is denied. The attorney will have dealt with many cases like yours before and can provide useful advice about how to go about appealing.
*The content of this article serves only to provide information and should not be construed as legal advice. If you file a claim against Travelers Group, or any other company, you may not be entitled to any compensation.