Getting workers’ compensation is the goal after you suffer an injury on the job. If you are approved, then you will have your medical care covered, receive a portion of your lost wages and receive other benefits. If you lose your benefits, that can have a negative impact on your life.
There are times when workers’ compensation benefits may be cut off unexpectedly. Here is what you should know.
- Evidence of faking
Don’t put it past an insurance company to hire a private investigator. If the insurance company believes that you’re faking your injury, you could lose your workers’ compensation.
- Failing the independent medical exam
An independent medical exam, also known as an IME, is an examination requested by the insurance company. It is performed by a doctor chosen by the insurance company and analyzes your injuries. The doctor may not agree with your past providers, and this could result in the loss of your workers’ compensation coverage. You could also lose your benefits if you don’t go to the exam.
- Failing the functional capacity evaluation
The functional capacity evaluation is an exam that measures your functional abilities. You need to be cooperative during the exam. If you refuse or are accused of faking to seem more injured than you are, then you could lose your benefits.
- Missing treatments or checkups
It’s possible to lose your workers’ compensation benefits if you don’t follow your treatment plan. If a doctor reports that you’re not showing up for your appointments, then the insurance company may stop paying.
- Refusing lighter duty tasks
If you are cleared for work but cannot return to the same level of work as you did before, you may be placed on light duty tasks. If you refuse to return to work despite being cleared to return, you may lose your benefits.
These are a few ways that you could lose your workers’ compensation benefits. Make sure you follow your treatment plan and understand your rights when it comes to the IME or FCE examinations. If you lose your benefits, you may be able to appeal that decision.