Getting an Unpleasant Surprise from a Workers' Comp Insurance Company

Greg Boles
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Partner at The Boles Firm | Experience Matters

If the workers' compensation insurance company is paying benefits to you pursuant to a Notice of Temporary Compensation Payable (TNCP or NTCP), you may be in for an unpleasant surprise.  Benefits paid pursuant to such a document can be stopped by the insurance company at any time within 90 days of the date your disability began.  By coincidence, the period of time during which you may be required to treat with a company doctor is 90 days.

Why does this make a difference?  If the insurance company issues a Notice of Compensation Payable (NCP), or if they pay you benefits pursuant to a TNCP for more than 90 days, the company is legally responsible for your claim, which means that they have to keep paying you benefits until you agree to let them stop, you return to work at no loss of wage, or they obtain a court order, which is not easy.  

Insurance companies are well aware of these deadlines, and deal with them by entering into cozy relationships with company doctors.  The doctor who is so nice to you for the first 60 days may suddenly turn on you just in time for the insurance company to issue a notice denying your workers' compensation claim and stopping your benefits.     

Insurance companies pressure these doctors to release work injury patients before 90 days has expired.  This is ordinarily accomplished by having the doctor say that you have recovered or that your problems are related to some pre-existing condition.

If you are receiving benefits pursuant to a Notice of Temporary Compensation Payable, you really should talk to our firm.  My advice is completely free, and there is no obligation to hire us to do anything.  

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