There are lots of reasons that insurance companies deny workers' compensation claims, but usually it is about money. For example, most stress claims are denied as a matter of course. They are difficult claims for the worker to prove and insurance companies save money by denying most stress claims. The idea is that only a certain number of the claim denials will be appealed and only a certain number of the appealed denials will be overturned by the Workers' Compensation Board.
However, sometimes claims are denied for other reasons. Maybe there were no witnesses to the injury, or the employer has some reason to believe the injury occurred outside of work. Often, a workers' compensation claim will be denied if the insurance company suspects you have a preexisting condition that is the major cause of your new injury or occupational disease.
The most important thing to remember is that it is always worth it to retain a workers' compensation attorney and appeal your denial. This is true even if you are not sure about your chances of having the workers' compensation claim denial overturned. A workers' compensation attorney can help you gather evidence to support your case or negotiate a financial settlement if you do not want to have a hearing before the Workers' Compensation Board.
If you have a denied workers' compensation claim and have questions, or want to appeal it, you can post a question to this blog or call my law firm at 503-975-5535. Consultations by phone or in the office are always free.
Additional information about denied workers' compensation claims can be found at www.oregonworkinjury.com