You also may not be able to introduce opinions from doctors outside your chain to help your case when an issue arises.ħ. This line of referral is known in workers’ compensation cases as the “chain of physicians.” If you go seek treatment on your own outside of that chain of physicians, you are responsible for those bills – not the workers’ compensation insurance carrier. Maybe that specialist refers you to a surgeon. That specialist refers you for an MRI and then physical therapy. Your choice of physician for your work injury refers you to a specialist. Treating outside your chain of physicians: It is also equally as important that you have a candid conversation with your doctor about your fears or concerns regarding any invasive treatment and what options you have.Ħ. It is also important to thoughtfully consider any recommended treatment by a doctor before declining it. This, in turn, can complicate and delay the progress of your treatment. Failure to attend appointments could result in you being discharged from that doctor’s care before you are medically ready. It is important to attend medical appointments as scheduled unless it is unavoidable. Missing appointments and/or turning down medical treatment: Just like waiting to report your injury to your employer, the farther away from your injury that you wait to get treatment, the easier it will be for the insurance carrier to deny your treatment.ĥ. The best practice is to seek medical treatment immediately after you are injured and to consistently treat after that. Waiting too long to seek medical treatment: Don’t be fooled by going to a doctor with financial incentive from an employer sending them cases in volume. The employers are often quite sophisticated, and they know the magic doctors who will get you in and get you out at a low cost to the employer and their insurance company and at a big sacrifice for your health and welfare. You do not have to go to any doctor that your employer chooses, nor do you have to sign a form agreeing to your employer’s choice of doctor. You have the right under the law to choose who provides your care. Many employers will try to steer you towards a doctor of their choosing. Mississippi law gives an injured worker the right to select the physician that they want to treat with for their injuries. Employers who try to skirt the law to save a little bit of insurance premium are not employers worth working for, let alone waiving rights to make a claim for. A good employer who actually cares about you will want you to have a claim open in case your injury is or gets serious so that you have a mechanism to get the treatment you need and get better. Don’t let your employer pressure you into not filing a workers’ compensation claim. When a worker is injured in the course and scope of their employment, that injury should be covered under the workers’ compensation insurance policy. Letting your employer pressure you into not filing a claim:īusinesses in Mississippi with 5 or more employees are required to have workers’ compensation insurance coverage. The farther away from your injury that you report it, the easier it will be for the insurance carrier to deny your claim.Ģ. Make a mental note of the witnesses who saw you get hurt. It is crucial to put your employer on notice of your injury as soon after it happens as possible. Failing to report your injury to your employer: However, there are common mistakes that many injured workers make that can be avoided.ġ. Your best move when you get hurt on the job is to consult a lawyer that knows the ins and outs of workers’ compensation law. You don’t have to waive your rights or see the doctor they want you to. Your employer might try to have you sign forms releasing your rights or send you to a company doctor. For employers and insurance companies, the name of the game is risk reduction/avoidance. Your employer is going to have your back and take care of you, right? The answer to that question is –not likely. SIJS -Special Immigrant Juvenile StatusĮvery year, thousands of people in Mississippi are injured on the job.DACA – DREAMer – Deferred Action for Childhood Arrivals.
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