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When an Insurance Company Denies your Entire Claim

Posted by Thomas Brown | Oct 28, 2019 | 0 Comments

Of course, this is bad news because you must have an attorney to present your care before a Judge at the State Board of Workers' Compensation. Do not attempt to represent yourself.

If your claim is denied for medical reasons, your lawyer will need to collect many medical records, including a boat-load of prior medical treatment records. This will take 60 days.

You will need to submit to a deposition, sworn testimony taken by an insurance lawyer in my presence in my office.

You will need to answer many questions in writing about your life, work history, arrest record and the insurance company will ask you to attend an examination with one of their doctors, usually a “bought and paid for” doctor who we call “Dr. NO”. The truth is NOT the objective here, but to paint your condition in the most negative light. (there are some exceptions but they are rare indeed).

After numerous delays, probably totaling 4-6 months, we will be ready to present your case to a Judge. Your lawyer must have a convincing set of new medical records to demonstrate your medical condition and ability or disability for work.

If you win your case, you pick your doctor and the insurance company pays for your complete treatment. Usually you will receive workers' compensation weekly benefits during your treatment. Your lawyer will receive 25% of your weekly checks as his/her ongoing fee. If you lose your case, you receive nothing. An appeal of a bad decision is not likely to be overturned.

About the Author

Thomas Brown

Attorney Thomas F. Brown, II has more than four decades of experience representing injured workers and helping them obtain the income benefits and medical treatment they need and deserve. Tom primarily practices in the workers' compensation area, representing injured workers exclusively. He also...


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