In most cases, getting a Workers’ Compensation Settlement takes much longer than in the past. Sometimes, it takes over a year to get a settlement.
There are various reasons for this, including the system being overloaded with claims, a shortage of adjusters to process claims, injured workers living longer, and thus, settlements taking longer to reach, and insurance companies increasingly denying allegations.
If you have been injured at work and are waiting for your Workers’ Compensation Settlement, you are probably wondering why it is taking so long to get your money. This article will explain the delays’ reasons so you can better understand the process.
The workers’ compensation system
The workers’ compensation system in the United States is a state-mandated insurance program that provides benefits to employees who are injured or become ill due to their job. The program is designed to provide medical benefits and income replacement to injured workers to continue supporting themselves and their families while they recover.
The workers’ compensation system is funded by employers who purchase insurance policies to cover their employees. In most states, workers’ compensation is mandatory, meaning employers must provide their employees coverage or face penalties.
Why is it taking so long to get my workers’ compensation settlement?
There are several reasons why it may take longer to get your workers’ compensation settlement than in the past.
- The system is overloaded with claims
One of the reasons for the delays in settlements is that the workers’ compensation system is overloaded with claims. In recent years, there has been an increase in workplace injuries and illnesses, as well as in the number of workers filing for benefits.
This increase in claims has resulted in a backlog of cases, which in turn, has caused delays in settlements. In some states, it takes over a year to get a settlement.
- There is a shortage of adjusters to process claims
Another reason for the delays is a shortage of adjusters to process claims. A workers’ compensation adjuster is a professional responsible for investigating and settling claims.
Due to the increase in claims, there is a shortage of adjusters, which means that claims are taking longer to be processed, and settlements are taking longer to be paid out.
- Injured workers are living longer, and thus, settlements are taking longer to reach
Another reason for the delays in settlements is that injured workers are living longer; thus, settlements are taking longer to reach. In the past, many injured workers died before they were able to receive their settlements.
However, advances in medical care have resulted in injured workers living longer, and thus, settlements are taking longer to reach.
- Insurance companies increasingly deny claims
One final reason for settlement delays is that insurance companies increasingly deny claims. In the past, insurance companies would pay out settlements without much investigation.
However, in recent years, insurance companies have become much more aggressive in their claims investigation and are more likely to deny claims. This denial of claims can cause delays in settlements.
If you are experiencing delays in your workers’ compensation settlement, it is essential to understand why. You can be better prepared to deal with the delays by understanding the reasons for the delays.
Ways to speed up the Workers’ Compensation Settlement claims process.
If you are experiencing delays in your workers’ compensation settlement, you can do a few things to speed up the process.
- Hire a workers’ compensation lawyer
One of the best things you can do to speed up the process is to hire a workers’ compensation lawyer. A workers’ compensation lawyer will be able to navigate the workers’ compensation system and get your claim through the system faster.
- File a complaint
If you are experiencing delays, you can file a complaint with your state’s workers’ compensation board. The board will investigate your complaint and take action to speed up the process.
- Request an expedited hearing
If you have been denied benefits, you can request an expedited hearing before an administrative law judge. An expedited hearing will get your case in front of a judge faster and may result in a faster decision.
- Work with your employer
If you have difficulty getting your employer to cooperate with your workers’ compensation claim, you may want to consider working with your employer to resolve your claim.
Employers are often willing to work with their employees to settle a claim but are unaware of the process. Working with your employer may help tremendously.
- Stay organized
One of the best things you can do to speed up the process is to stay organized. Keep all your records and documents in one place so you can easily access them when needed.
By staying organized, you will be able to provide the necessary information to your lawyer or the insurance company quickly and efficiently.
It takes a long time to get your workers’ compensation settlement because of the backlog of cases, the waiting period for benefits, the split between old and new cases, and the time it takes to investigate your claim. You can help speed up the process by contacting and visiting us at Gaylord and Nantais Workers’ Compensation Attorneys ((562) 561-2669). We can help you navigate the workers’ compensation system and get your deserved settlement.