When you get hurt at work, workers’ compensation benefits are supposed to help you recover and not make things harder. But if your employer or their insurance company denies your claim, you might feel stuck. No coverage, no pay, no clear path forward.
The good news is that you still have options. If you file for workers’ comp and are denied treatment, it doesn’t mean you’re out of luck.
It just means it’s time to take the next step — and protect your rights under Minnesota law.
Here’s how.
Why Your Claim May Have Been Denied
Not every denial is permanent, but you can’t move forward without knowing what went wrong.
Your employer’s insurers are required to send a written explanation when your claim is denied. Read this letter carefully because it tells you what you need to do to fight back.
Common Reasons for Denials
There are numerous reasons why your employer’s insurers may have denied your workers comp claim and the treatment that follows. Some of these reasons are:
- Late reporting: You didn’t notify your employer within the required timeframe.
- Disputed cause: The employer claims your injury didn’t happen at work.
- Insufficient documentation: Medical records don’t clearly show your injury is job-related.
- Pre-existing conditions: Your employer argues your injury was caused by something outside of work.
What Else to Look for in the Denial Letter
The letter should explain why your benefits were denied and what evidence was considered. It may reference missing medical records, conflicting statements, or opinions from doctors chosen by the insurer. This letter sets the stage for your appeal.
What To Do Next
Timing matters. Minnesota law sets deadlines for appealing denied workers’ comp claims, and waiting too long can limit your ability to act.
Start Gathering Documentation
You’ll need to collect everything related to your injury:
- The initial injury report
- Doctor’s notes and test results
- Bills and treatment plans
- Communication from your employer or the insurance company
Claims involving workers’ comp and denied treatments are decided in part by how much evidence the injured party has. The more documentation you have, the more successful your claim will likely be.
Consider a Second Medical Opinion
If the insurer says your treatment isn’t necessary, another doctor may disagree. A second opinion could provide the medical support your appeal needs, especially if your original provider was chosen by your employer.
Know Your Legal Rights in Minnesota
Just because your claim was denied doesn’t mean you’re out of options. Minnesota law gives injured workers the right to challenge decisions and seek the benefits they’re owed.
You Can File an Appeal
You can formally dispute the denial by filing a Claim Petition with the Minnesota Department of Labor and Industry. This process gives you a chance to present your case, add evidence, and explain what really happened.
You Can Choose Your Own Doctor
Many injured workers don’t realize they have the right to pick their healthcare provider. If you’ve been denied treatment, switching doctors might help you get the care you need — and the documentation to back it up.
Why You Should Work with a Lawyer
Filing an appeal takes more than just paperwork. The process can be stressful, especially when you’re still in pain or dealing with lost wages.
When the stakes are high, having a work injury lawyer near Minnesota in your corner can make all the difference.
What a Work Injury Lawyer Near Minnesota Can Do for You
Legal representation can tip the scales in your favor if you’re dealing with a denied workers’ compensation claim. Here’s how a lawyer can help:
- Review your denial and explain your legal options
- Help you gather medical records and expert opinions
- File your Claim Petition correctly and on time
- Represent you in settlement conferences or at a hearing
- Push back against insurers who delay or deny treatment
Having a work injury lawyer near Minnesota means having someone who understands how the local system works and how to use it to fight for your benefits.
No Upfront Costs
Most workers’ comp attorneys don’t charge anything unless you win, which means you can get the help you need without taking on additional financial stress.
Choose a Firm That Knows How to Win Denied Claims
At Osterbauer Law Firm, we’ve helped injured workers across the state stand up to claim denials and get the benefits they deserve. As a respected workers’ compensation law firm in Minneapolis, we know how to handle complex appeals, medical disputes, and delays in payment or care.
We take the time to understand your situation, explain your options, and guide you through every step of the process so you’re not facing it alone.
Don’t Let a Denial Be the End of Your Claim
Being told “no” isn’t the same as being out of options. Whether your employer is disputing your injury or the insurer is blocking your treatment, you have a right to challenge the decision — and get help doing it.
We’re here to help you take the next steps after you’ve been denied treatment and benefits.
Contact our law firm today to schedule a consultation and start your comeback journey.