When Can the Insurer Stop My Workers Comp?
If you have been collecting workers compensation benefits you were awarded after enduring a work-related injury or illness and have had your benefits suddenly stopped, you may be wondering when the insurer has the right to do this.
While every case is different, there are certain times when the insurance company does have the right to cease your benefits, but there are also times where it is inappropriate to do so. We have gone into greater detail about times when the cessation of benefits makes sense, and when it doesn’t, below.
Reaching Maximum Medical Improvement
Once your treating physician has determined that you have reached maximum medical improvement, or MMI, your case will need to be reviewed by the insurance company. MMI is when your condition is not expected to improve any further than it has up to this point.
As you can imagine, there is a wide variety in how much improvement injury victims see, depending on how severe their injuries were and other factors. If you are able to go back to work and resume your work responsibilities, then it would not be unreasonable to assume that the insurance company would put a stop on your workers comp benefits.
If you are continuing to suffer, despite having reached MMI, you will be able to collect workers compensation benefits until you’ve reached the maximum number of weeks allowable, based on the state of North Carolina’s list of scheduled injuries.
Once this limit has been reached, your benefits will stop, and you will need to apply for social security disability benefits. Doing so prior to the cessation of your work comp benefits would be well-advised if you want to minimize the amount of time you go without financial support.
Invalid Reasons to Stop Workers Compensation Benefits
Dealing with the insurance company to obtain your benefits is something of a burden, especially when the insurance industry is often known for taking advantage of the injured and ill who absolutely need access to the benefits they are entitled to. It is quite common for the insurance company to suddenly stop workers comp benefits, and in some cases, they do not even notify the claimant prior to doing so.
If your benefits have been stopped for an issue with paperwork, having a pre-existing condition, clerical errors within the insurance company, or for any other reason if you have yet to reach MMI, you should speak with your attorney to see what steps can be taken so you can hopefully continue receiving your benefits, including the ones you lost out on.
Get in Touch with a Workers Compensation Lawyer in North Carolina
If you have concerns that your workers comp benefits are about to be stopped, or if they have been wrongfully stopped and you need assistance, reach out to a North Carolina workers compensation lawyer at Ricci Law Firm, P.A.
We provide complimentary claim evaluations to injury victims across North Carolina. If you would like to take advantage of this opportunity, you can do so by calling our firm at 252-752-7785 or filling out the brief contact form we have provided at the bottom of this page.