Effects of Pre-existing Health Conditions On Workers Compensation Benefits

Effects of Pre-existing Health Conditions On Workers Compensation Benefits

You may be eligible to apply for worker’s compensation if you have previously suffered an injury. Your insurance company may prove you are fraudulent if they deny you workers’ compensation benefits due to this pre-existing injury.

If this describes your case, you should speak with an experienced workers’ compensation lawyer. But, before that, you can take a look over this post to briefly understand the effects of pre-existing health conditions on workers’ compensation claims. You can also check this website to get in touch with a lawyer.

What Are The Effects Of Pre-existing Health Conditions On My Workers’ Compensation Claim?

A pre-existing injury can disqualify you from getting a worker’s compensation claim. However, it does not always happen if the insurance company does not get proof against you to prove your injury is related to your pre-existing illness.

Still, you can land in the following situations due to a pre-existing injury.

  • Your insurance will get lessened so the insurance company will only compensate for the injury you had during work.
  • You will be asked to undergo a medical checkup to prove your injury is not related to pre-existing health conditions.
  • Your insurance will be put on a waiting period, and you have to wait till your injury is covered by insurance if it is pre-existing.
  • Your insurance policy will get denied, and you will not be able to purchase insurance.

What Are The Pre-existing Health Conditions?

A pre-existing health condition is the illness you had before you were injured on the job. These injuries are taken into subject during your compensation claim approval, and they can include your mental illness, an injury you had in your childhood, any illness you had since birth, etc. The physical pre-existing health conditions will include the following.

  • Fracture
  • Neck injury
  • Head injury
  • Respiratory disease
  • Cancer
  • Genetic disorder
  • Cardiac disease
  • Arthritis

Why Should You Hire a Lawyer If You Have a Pre-existing Health Condition?

The insurance company will try its best to cancel your compensation benefit if you have a pre-existing injury, and they will ask you to sign a medical release form or undergo a medical treatment to collect evidence against you. In this case, a lawyer will protect your rights and guide you to get your worker’s compensation.

Lawyers know how insurance companies operate, so they will protect you from the wrong claims of insurance companies. Plus, they will gather evidence and fight for compensation on your behalf, increasing your chances of getting the claim.