Common Mistakes That Get Workers’ Comp Claims Denied in Columbus — and How to Avoid Them
When you’re injured on the job, the last thing you want is to see your claim denied — especially when you genuinely need medical care and wage replacement. In Columbus (and throughout Ohio), many workers’ compensation claims are denied or under-paid not because the injury isn’t real, but because of avoidable mistakes. Below are the most common missteps and how to steer clear of them so you don’t jeopardize your right to benefits.
1. Waiting Too Long — Miss the Filing Deadline and You Lose Your Claim
Under Ohio law, you only have one year from the date of injury (or the date your disability began) to file a claim. For occupational diseases, the clock may run from diagnosis or onset of symptoms.
If you delay past that deadline, your claim can be denied automatically — with virtually no right to appeal.
How to avoid it: Report the injury (or occupational illness) and file the appropriate paperwork immediately — ideally within days. Don’t wait to see if you “feel better.”
2. Not Reporting the Injury Properly to Employer / BWC
Reporting to your employer or BWC and ensuring that the claim is filed properly (e.g., via the required paperwork) is a critical early step. Failure to report — or relying solely on your employer without following up — often leads to denial.
How to avoid it: Immediately notify your supervisor or HR about the accident or illness and keep a copy of any written injury report. Confirm with BWC (or your employer if self-insured) that your claim has been filed.
3. Skipping Immediate Medical Treatment or Not Notifying the Doctor the Injury Was Work-Related
Even if the injury seems minor, you should get medical attention quickly. Medical documentation is often the linchpin of a successful claim. Also, make sure to tell your doctor the injury is work-related so records reflect that.
How to avoid it: See a doctor as soon as possible, describe exactly how and when the injury happened, and keep all records (reports, prescriptions, referrals, follow-ups).
4. Underestimating “Minor” Injuries — Not Realizing They’re Compensable
Many people believe that unless they miss significant work, they’re not eligible for workers’ comp. That’s not true. In Ohio, even if you don’t miss much work (or any), you may still be entitled to coverage for medical bills.
How to avoid it: If an injury happened at work — even a “small” one — report it and get it documented. Don’t wait to see if it gets worse before you act.
5. Accepting a Quick Settlement Without Understanding Long-Term Needs
Sometimes, employers push for a quick settlement or attempt to settle before you understand the full impact of the injury (future medical needs, rehabilitation, permanent impairment, wage loss, etc.). Once you settle, you may lose the right to ask for more later.
How to avoid it: Before accepting any settlement, make sure you have a clear picture of future medical needs, possible permanent disability, and wage loss. Consult with a workers’ compensation attorney.
6. Employer or BWC Disputing Your Employment Status (Contractor vs. Employee)
Some claims are denied because the employer argues the injured person was a contractor or not eligible for workers’ comp. If that’s the case, proving your status as an employee becomes essential.
How to avoid it: Keep documentation — pay stubs, W-2, company emails, job descriptions, etc. — that clearly demonstrate you’re an employee, not an independent contractor.
7. Poor or Incomplete Medical Documentation
If your doctor fails to properly document the injury (or the form/report is incomplete or unsigned), that’s a frequent reason for denial.
How to avoid it: Make sure medical records are detailed: include diagnosis, cause (work-related), date of injury, all injuries/conditions, recommended treatment, and work limitations. Follow through with referrals, therapy, or further testing.
Final Thoughts:
Navigating a workers’ compensation claim in Columbus, Ohio — especially under the system managed by Ohio Bureau of Workers’ Compensation (BWC) — can be confusing and overwhelming.
The good news: you can significantly increase your chances of success simply by being timely, thorough, and organized. And if you do things right — report quickly, get documented medical care, carefully track everything — you give yourself the best chance of getting the benefits you need.
However, many claims fail because of preventable errors. That’s why having a skilled attorney on your side can make a major difference. Not just to guide you through the legal process, but to make sure you don’t overlook important details that could cost you your benefits.
If you’ve been hurt at work — even if it seems minor — don’t wait.
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