How Can an Employee File a Claim About Bad Workers’ Compensation Insurance?

How Can an Employee File a Claim About Bad Workers’ Compensation Insurance?
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You can alert state and federal authorities or organizations of issues with injuries, but who can you tell about shady workers’ comp insurance? Most of the time, issues with workers’ comp don’t come to light until many employees have filed complaints. You can be the first, or possibly the last, to report your employer’s insurance, or possibly your employer for misrepresentation.

Get involved with your claim, contact a nearby workers’ compensation attorney, and then move on by reporting their workers’ compensation insurance provider.

Is There a Regulatory Body That Oversees Workers’ Comp Insurance?

Yes, there is, the North Carolina Department of Insurance oversees employer insurance for things such as workers’ compensation. While they work on a variety of other insurance issues as well, this is definitely the place to file your grievance or complaint. If your employer’s insurance will not permit you to handle your claim or has denied it without cause, then you can begin with this action now.

Go to the North Carolina Department of Insurance website and file a complaint. You can also request an external review, but before you go any further, you should consider whether you’re going to hire a North Carolina workers’ compensation attorney. These attorneys will request the review for you and go through the system of contesting the workers’ compensation claim’s decisions or findings.

Now it is critical to know that the North Carolina Department of Insurance does not handle the workers’ compensation claims themselves. This step is simply here to alert the right people of fraudulent insurance companies. But, you can take your grievance to the state department that handles the North Carolina Workers’ Compensation Act.

What Can You Do About It?

You can definitely report the lack of workers’ compensation insurance or the mishandling of your claim to the North Carolina Department of Insurance. However, you can also file a grievance with other parties and become an advocate. Many people are hurt on the job each year, and not many realize the extent of the damage.

The Safety and Health Advocacy is one place to start, but if you’re really looking to get involved, then you should explore a number of advocacy options. What you don’t want to do is go and rant on Facebook or Twitter. When you have an open claim or are trying to get compensation through workers’ compensation, then you need to keep the details of your claim private.

Filing a Claim and Making a Grievance

Filing a claim is pretty straightforward, but it might delay the overall claims process, which is probably already derailed. For the people who are hoping to get through the workers’ comp claims process quickly, you’ll likely have to go through the state system after you receive the initial denial from your employer’s workers’ comp provider.

You’ll file the rebuttal to the denial and send your claim and issues to the North Carolina Industrial Commission. The North Carolina Industrial Commission, or NCIC, covers the extent of workers’ insurance compliance and how to file complaints of fraud for both the employers and the employees.

You must first prove that you’ve filed the appropriate forms, usually only Form 19, to get started. But after you realize that your employer’s insurance provider isn’t up to snuff, then you will need to move on to form 40 for filing a grievance.

Will Outing the Insurance Company Compromise Your Claim?

No. When a workers’ compensation injury claim received a denial, then the employee can appeal that decisions, which is when the claim goes to the North Carolina Industrial Commission. It’s a two-step process to help protect employees from employers being uninsured or underinsured. But it’s also helped to expose fraudulent insurance companies.

Over the years, the extent of fraud seen is rather remarkable. Although usually, the claimant is the one investigated for fraud, many companies have undergone a fair amount of scrutiny as well. Insurance companies working in tandem with medical teams that exaggerate claims is one example. But employers have also been found misclassifying employees and under-reporting hours on the payroll for workers’ comp claims.

How Should You Approach a Lawyer About Bad Workers’ Comp Insurance?

At Workers’ Compensation Lawyers, you can get the guidance necessary for your North Carolina claim. We aim to provide the help that the injured workers of Charlotte need, which means legal support through a system that largely leaves employees in the dark.

Get in touch with Workers’ Compensation Lawyers for your North Carolina workers’ comp claim.

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