If you have been injured at work, under workers compensation regulations, your employer is obligated to provide free medical care plus weekly wage loss benefits until you can return to your job. However, once your doctor states that you are at “maximum medical improvement” (MMI), your employer and insurance carrier will most likely attempt to significantly slash, reduce or terminate your benefits, whether you are able to work or not, and whether you are really at MMI or not.
Insurance carriers and employers attempt to manipulate your treating physician to declare you at a state of MMI and then notify you that your benefits have ceased in whole or in part. Rarely does an insurance carrier or employer tell you that you may not be at overall MMI. Nor do they often tell you that you have the right to challenge the MMI with another opinion by selecting a change in physicians or having an independent medical examination (IME) with a physician of your own choosing.
GET HELP WHEN YOU TAKE ON INSURERS
Delays in authorizing an IME, a second opinion or billing a one-time charge of the treating physician are part of the games insurance carriers and insurance claims adjusters play to purposefully frustrate and harm injured workers. You need an attorney to protect and enforce your rights and, where needed, to file a Petition for Benefits on your behalf. The insurance carrier and employer need to be held accountable if they do not act timely, quickly and per the requirements of the law.
DO YOU HAVE QUESTIONS?
If you suspect you may have been treated unlawfully, get a free assessment from one of our skilled workers’ compensation attorneys to find out if you have a case.