Travelers Insurance and Florida Workers’ Compensation Claims

Does your employer have workers’ compensation coverage through Travelers? It is important to learn more about all of the requirements for obtaining workers’ compensation coverage and to ensure that you take all necessary steps so that Travelers will approve your claim. According to the Travelers website, this particular insurance company is the “number one writer of workers’ compensation insurance in the United States,” and there is a good possibility that your employer has required workers’ compensation coverage through Travelers.

While Travelers workers’ compensation policies do routinely pay out claims to injured workers — including medical benefits for your recovery, a percentage of your lost wages, and disability benefits in some cases — Travelers can also deny claims for a variety of reasons. When a claim is denied, it is important that the injured worker avoids panicking. With help from an attorney, you can often appeal a denial of benefits and can receive the payments you need. Our Fort Lauderdale workers’ compensation lawyers can tell you more.

Dealing with Travelers Insurance for a Workers Compensation Claim 

Insurance companies like Travelers want to do everything they can to avoid paying out a claim. There are many ways that insurance companies can try to avoid paying claims within the bounds of the law, and there are also ways in which insurance companies might violate the law or act in bad faith in refusing to pay a claim. Whenever you have been injured at work, it is critical to recognize that the insurance company providing workers’ compensation benefits is not on your side. You will want to begin working with a lawyer as soon as possible to make sure you have an advocate on your side to help you through this process.

Common Reasons Travelers Will Deny Workers’ Compensation Claims 

What are some of the common — but fixable — reasons that an insurance company like Travelers will deny a workers’ compensation claim? Consider the following frequent reasons that claims can be denied:

• Injury did not occur in the course of employment;
• Employer is not covered;
• Employee waited more than 30 days to report the injury as required by Florida law and no exception applies;
• Employee had a pre-existing condition; or
• Employee has not been seeing an approved health care provider, as required by Florida law.

You can avoid common mistakes by working with a lawyer from the start on a workers’ compensation claim through Travelers. And if your claim has already been denied, you can work with a lawyer to appeal.

Contact Our Fort Lauderdale Workers’ Compensation Attorneys Today 

Whether you are seeking workers’ compensation benefits through a Travelers policy or from another insurance company, you should know that an experienced Fort Lauderdale workers’ compensation attorney at the Law Offices of David M. Benenfeld, P.A. is here to help you with your claim. Insurance companies often attempt to deny coverage for a wide range of reasons, and our firm can ensure that the insurance company has all of the required documentation it needs and that you have taken all required steps to be eligible for medical coverage and wage-replacement benefits. Do not hesitate to get in touch with us to find out more about how we can assist you.

Sources:

travelers.com/business-insurance/workers-compensation

leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0400-0499/0440/0440ContentsIndex.html