Reasons you could lose workers’ comp benefits

On Behalf of | Jan 23, 2025 | Workers' Compensation

When injured at work, you are likely relying on workers’ compensation to cover your medical bills and lost wages. But what if those benefits disappear? This nightmare scenario is a reality for many workers who find themselves unexpectedly cut off from workers’ comp.

Why your worker’s comp benefits may be stopped

Here are some common reasons why workers’ comp benefits might be terminated:

  • Failure to report the injury promptly: You need to report your injury to your employer as soon as possible. In New Jersey, you should notify your employer within 90 days. Delaying this could lead to a denial of your claim.
  • Not seeking appropriate medical treatment: Follow your doctor’s orders and attend all medical appointments. If you ignore medical advice or miss appointments, insurers might question the seriousness of your injury.
  • Returning to work too soon: Going back to work before fully recovering can risk your health and your benefits. Always wait for your doctor’s approval before returning to work duties.
  • Engaging in activities against medical advice: Participating in activities that contradict your medical restrictions can jeopardize your claim. Insurers may conduct surveillance to ensure your activities align with your reported injuries.
  • Misrepresentation or fraud: Providing false information or exaggerating your injury can lead to a loss of benefits. Honesty is crucial in all communications with your employer and the insurance company.
  • Refusing suitable work: If your employer offers a modified duty position that suits your medical restrictions, you must accept it. Refusing such work can lead to a suspension of benefits.
  • Missing deadlines for legal procedures: Workers’ compensation claims involve strict deadlines. Missing these can result in a denial of benefits. In New Jersey, you have two years to file a formal claim petition.

It is important to note that insurance companies often look for reasons to deny or terminate benefits. They may hire investigators to monitor your activities or scrutinize your social media posts for evidence that contradicts your injury claims.

Do not risk losing the benefits you deserve

If you are considering filing a claim or encountering difficulties with your current benefits, obtaining legal counsel is essential. An attorney specializing in workers’ compensation law can assess your situation, explain your rights and advocate for your best interests.