Getting hurt on the job is never an easy experience. Dealing with workers’ compensation insurance can make the situation even more stressful. If the injury is serious enough, your doctor may recommend surgery. Once this occurs, you may run into several different issues regarding workers’ compensation coverage for your workplace injury. An experienced Boca Raton workers’ comp attorney can help you sort through the issues to ensure you receive the medical care you need and the benefits you are entitled to receive under Florida’s workers’ compensation laws.
Treatment Plans and Options
Surgery is often not the first course of action for any injury, including one that is work-related. Many times, physical therapy and other non-invasive treatments are part of the plan. Doctors generally try less invasive treatment options to see if these options will correct the injury. If less invasive forms of treatment fail to provide the desired results, surgery may be suggested as the best course of action.
You aren’t automatically scheduled for surgery when your doctor advises you should have surgery. The workers’ comp insurance company must approve the surgery in order for the expense to be covered by workers’ comp. The insurance company may ask for a second opinion from another doctor or a specialist before approving surgery.
What You Can Do?
You can agree to the second opinion and an appointment will be scheduled with another physician. This delays treatment, which can mean more pain and discomfort in addition to additional complications because of a delay in treatment. While you can refuse to go to another doctor, this puts you in a dangerous position. If you don’t agree to the second opinion, workers’ comp benefits may stop and you may be left to pay medical costs on your own.
A second opinion may be requested for several reasons:
- The suggested surgery is expensive;
- The insurance company doesn’t agree with the diagnosis;
- The surgery is not a normal course of action taken by other doctors regarding this specific injury; or,
- There is controversy about the injury and accident.
When You Don’t Agree with the Insurance Company
The case can become quite complicated when you aren’t in agreement with what the workers’ comp insurance company wants to do regarding your medical care. You may want to have the surgery, but the second opinion doesn’t recommend surgery. The second doctor may suggest other treatments instead of surgery. You will be responsible for paying for the surgery out of your own pocket if you proceed without approval from the workers’ comp insurance carrier.
Another scenario is when the workers’ compensation insurance carrier wants you to have surgery, but you refuse. Perhaps the surgery is too risky and you don’t want to take the chance that you could end up paralyzed or permanently disabled. If you refuse to follow any approved treatment plan, your workers’ comp benefits could stop. You would be responsible for any costs associated with a workplace injury.
Hire a Boca Raton Workers’ Comp Attorney
In either of these situations or any other scenario involving a disputed workers’ comp claim, you don’t want to battle the insurance company alone. You are at a distinct disadvantage and the company knows it. You can’t afford the medical care on your own, especially if you are out of work due to your injury at work.
The best option for you is to hire a Boca Raton workers’ comp lawyer who is experienced in dealing with workers’ compensation cases. Your attorney can access your medical records and review your case to determine the best way to proceed. Your attorney can request another independent examination to determine your current status and future prognosis. Don’t try to deal with workers’ comp claim on your own. Let an experienced attorney fight for your right to receive the medical care you need for your workplace injury.
The Boca Raton workers’ comp attorneys of the Broderick Law Firm, P.L. can help you obtain the benefits you deserve. Contact our office today 1-800-333-3903 to speak with an attorney.