The Truth About Oregon Workers' Compensation Claims
Oregon Workers' Compensation should provide injured workers benefits for medical care, lost income, and help moving on from an on the job injury. But unlike other states, Oregon's workers' compensation system is private. This means that the same insurance company responsible for paying claims gets to decide whether to cover the claim at all. And, even when a claim is accepted, the insurance company still controls your claim from start to finish.
Some claim denials are based only on the opinion of the insurance company's doctors. Other claims are accepted, but only for some of your injuries.
The good news is that an injured worker can appeal a claim denial, dispute any denied benefit, or demand that the insurer take full responsibility for all your injuries.
Even though you can appeal your denial, you face a complex system that often makes little sense!
More Good News: You can hire a workers' compensation lawyer in Oregon at no cost to you. The Oregon Workers' Compensation law says that your lawyer is paid only if successful getting benefits you deserve. The insurance company pays the attorney fees, or the fee comes out of increased benefits your lawyer recovered for you. The State of Oregon reviews and approves all fees to protect you.
Important Questions When Your Claim Is Denied
1. Should I appeal a claim denial?
Learn about appealing your claim denial here.
2. How do I pay for a workers compensation lawyer?
An attorney is only paid if you win the claim. Read about attorney fees here.
3. How do I prove my claim?
This article discusses how claims are proven.
4. What happens at a Workers' Compensation hearing?
Check out this article to find out what happens at a Workers' Comp. hearing.
5. Can I resolve my claim with a settlement?
This article discusses settlements of disputed workers' compensation claims.
Even If Your Claim Is Accepted, You Should Know:
Even if your claim is accepted, the insurance company may not have taken full responsibility for your claim.
Read this article to learn about your Notice of Acceptance and how you can make sure the insurer is taking full responsibility for your claim.
My insurance company enrolled me in a Managed Care Organization. What is this?
Managed Care Organizations, or MCO's, place another layer of bureaucracy between you and your medical care. Learn the truth about the MCO's here.
My doctor asked for approval for medical care, but it was denied. What can I do?
When any benefit for an accepted claim is denied, you can appeal. Learn more about appealing denied medical care here.
The Workers' Compensation carrier wants to resolve my case. Should I?
When you settle an accepted claim, you are giving up all of your rights except for the right to request future medical care. Learn about settlement of accepted claims here.
My claim was closed recently. What are my options?
Whether your claim is accepted or denied, you may have questions. Contact us. We work with injured workers every day, and can help you knowing where to stand.