AM Trust Workers Comp: A Guide for Injured Employees

Posted by Presiden 2020 February 13, 2024 Post a Comment

If you've been injured on the job, you may be wondering what your options are for workers' compensation. In this article, we'll provide an overview of AM Trust workers' comp, including how to file a claim, what benefits you may be eligible for, and how to appeal a denied claim.

AM Trust is a workers' compensation insurance carrier that provides coverage to employers in a variety of states. If you're injured while working for an employer that is insured by AM Trust, you may be eligible to file a workers' comp claim. Workers' compensation benefits can cover a variety of expenses, including medical bills, lost wages, and disability benefits.

In the following sections, we'll provide more detailed information about AM Trust workers' comp, including how to file a claim, what benefits you may be eligible for, and how to appeal a denied claim. We'll also provide some tips for dealing with AM Trust and getting the benefits you deserve.

am trust workers comp

AM Trust workers' comp provides benefits to injured employees.

File claim within 30 days of injury
Benefits cover medical bills, lost wages
Disability benefits for temporary, permanent disability
Appeal denied claim within one year
Know your rights, options
Get legal help if needed
Report unsafe working conditions
Cooperate with AM Trust investigation
Keep records of all expenses, communications
Be patient, persistent

By following these tips, you can increase your chances of getting the workers' comp benefits you deserve.

File claim within 30 days of injury

If you're injured on the job, it's important to file a workers' comp claim as soon as possible. In most states, you have 30 days from the date of your injury to file a claim. However, it's best to file your claim even sooner, if possible. The sooner you file your claim, the sooner you'll start receiving benefits.

To file a claim with AM Trust, you can either do it online or by mail. You can find the online claim form on AM Trust's website. If you're filing by mail, you can download the claim form from AM Trust's website or you can request a claim form by calling AM Trust's customer service number. Once you have the claim form, fill it out completely and accurately. Be sure to include all of the following information:

Your name, address, and phone number
Your employer's name, address, and phone number
The date, time, and location of your injury
A description of your injury
The names and contact information of any witnesses
Any medical records or bills related to your injury

Once you've completed the claim form, submit it to AM Trust. You can submit the claim form online, by mail, or in person at an AM Trust office. If you're submitting the claim form by mail, send it to the following address:

AM Trust PO Box 2100 West Des Moines, IA 50265-2100

After you've submitted your claim form, AM Trust will investigate your claim. They will review your medical records, talk to your employer and any witnesses, and may even send an investigator to the scene of your accident. Once AM Trust has completed their investigation, they will make a decision on your claim.

If your claim is approved, you'll start receiving benefits within a few weeks. Benefits can include medical benefits, lost wages, and disability benefits. If your claim is denied, you have the right to appeal the decision. You have one year from the date of the denial to file an appeal.

Benefits cover medical bills, lost wages

If your workers' comp claim is approved, you'll be eligible for a variety of benefits, including medical benefits and lost wages.

Medical benefits:
Medical benefits cover all of the medical expenses related to your work injury. This includes the cost of doctor's visits, hospital stays, surgery, medication, and rehabilitation. Medical benefits also cover the cost of travel to and from medical appointments.
Lost wages:
Lost wages benefits replace a portion of your wages while you're unable to work due to your injury. The amount of lost wages benefits you receive will depend on your average weekly wage and the severity of your injury. In most states, you're eligible for lost wages benefits if you're unable to work for more than seven days.
Permanent disability benefits:
Permanent disability benefits are available to workers who have suffered a permanent disability as a result of their work injury. The amount of permanent disability benefits you receive will depend on the severity of your disability and your earning capacity.
Death benefits:
Death benefits are available to the surviving dependents of workers who have died as a result of their work injury. Death benefits typically include a lump sum payment and ongoing monthly payments.

It's important to note that workers' comp benefits are not taxable. This means that you won't have to pay taxes on the money you receive from your workers' comp claim.

Disability benefits for temporary, permanent disability

If you're injured on the job and unable to work, you may be eligible for disability benefits. Disability benefits can replace a portion of your wages while you're unable to work. There are two types of disability benefits available under workers' comp: temporary disability benefits and permanent disability benefits.

Temporary disability benefits are available to workers who are temporarily unable to work due to their injury. Temporary disability benefits typically last for up to two years. The amount of temporary disability benefits you receive will depend on your average weekly wage and the severity of your injury.

Permanent disability benefits are available to workers who have suffered a permanent disability as a result of their work injury. Permanent disability benefits can be either total or partial. Total disability benefits are available to workers who are completely unable to work. Partial disability benefits are available to workers who are able to work, but at a reduced capacity.

The amount of permanent disability benefits you receive will depend on the severity of your disability and your earning capacity. In some states, permanent disability benefits are paid for the rest of the worker's life. In other states, permanent disability benefits are paid for a specific number of years.

If you're injured on the job and unable to work, you should file a workers' comp claim as soon as possible. The sooner you file your claim, the sooner you'll start receiving benefits. You can file a workers' comp claim online or by mail. You can find the online claim form on AM Trust's website. If you're filing by mail, you can download the claim form from AM Trust's website or you can request a claim form by calling AM Trust's customer service number.

Once you've filed your claim, AM Trust will investigate your claim and make a decision on your eligibility for benefits. If your claim is approved, you'll start receiving benefits within a few weeks. If your claim is denied, you have the right to appeal the decision. You have one year from the date of the denial to file an appeal.

Appeal denied claim within one year

If your workers' comp claim is denied, you have the right to appeal the decision. You have one year from the date of the denial to file an appeal.

File an appeal with the state workers' compensation board:
The state workers' compensation board is an independent agency that handles appeals of workers' comp claims. To file an appeal, you'll need to submit a written request for a hearing. The request for a hearing must be filed within one year from the date of the denial of your claim.
Attend the hearing:
Once you've filed a request for a hearing, you'll receive a notice of the hearing date. At the hearing, you'll have the opportunity to present your evidence and arguments to the workers' compensation judge. The judge will then make a decision on your appeal.
Appeal the decision of the workers' compensation judge:
If you're dissatisfied with the decision of the workers' compensation judge, you can appeal the decision to the state court of appeals. To appeal the decision, you'll need to file a notice of appeal within 30 days of the date of the decision.
Hire an attorney:
If you're appealing a denied workers' comp claim, it's a good idea to hire an attorney. An attorney can help you with the appeals process and represent you at the hearing. If you can't afford to hire an attorney, you may be able to get free legal help from a legal aid organization.

The process of appealing a denied workers' comp claim can be complex and time-consuming. However, if you believe that your claim was denied in error, it's important to appeal the decision. With the help of an attorney, you can increase your chances of getting the benefits you deserve.

Know your rights, options

If you're injured on the job, it's important to know your rights and options under workers' comp. Here are a few things you should know:

You have the right to file a workers' comp claim:
If you're injured on the job, you have the right to file a workers' comp claim regardless of who is at fault for the accident. Workers' comp benefits can cover your medical bills, lost wages, and disability benefits.
You have the right to choose your own doctor:
You have the right to choose your own doctor to treat your work injury. Your employer cannot require you to see a specific doctor.
You have the right to a fair hearing:
If your workers' comp claim is denied, you have the right to a fair hearing. At the hearing, you'll have the opportunity to present your evidence and arguments to a workers' compensation judge.
You have the right to an attorney:
If you're filing a workers' comp claim, it's a good idea to hire an attorney. An attorney can help you with the claims process and represent you at the hearing. If you can't afford to hire an attorney, you may be able to get free legal help from a legal aid organization.

It's also important to know that workers' comp benefits are not taxable. This means that you won't have to pay taxes on the money you receive from your workers' comp claim.

Get legal help if needed

If you're injured on the job and filing a workers' comp claim, it's a good idea to hire an attorney. An attorney can help you with the claims process and represent you at the hearing. Here are a few reasons why you might need to get legal help:

Your claim is denied: If your workers' comp claim is denied, an attorney can help you appeal the decision. The appeals process can be complex and time-consuming, so it's helpful to have an attorney on your side.

You're not getting the benefits you deserve: If you're not getting the benefits you deserve, an attorney can help you fight for your rights. An attorney can negotiate with the insurance company on your behalf and help you get the benefits you're entitled to.

You have a complex injury: If you have a complex injury, an attorney can help you get the medical care you need. An attorney can also help you get vocational rehabilitation benefits if you're unable to return to work.

You're being harassed or discriminated against: If you're being harassed or discriminated against because of your work injury, an attorney can help you file a lawsuit against your employer.

If you're thinking about hiring an attorney, it's important to do your research. Talk to friends, family, and other injured workers to get recommendations for good attorneys. You should also interview several attorneys before you make a decision. Make sure you choose an attorney who is experienced in workers' comp law and who you feel comfortable working with.

Report unsafe working conditions

If you see unsafe working conditions at your job, it's important to report them to your supervisor or manager. You can also report unsafe working conditions to the Occupational Safety and Health Administration (OSHA). OSHA is a federal agency that is responsible for enforcing workplace safety and health standards.

There are several ways to report unsafe working conditions to OSHA. You can file a complaint online, by phone, or by mail. You can also file a complaint anonymously. When you file a complaint, OSHA will investigate the complaint and take appropriate action.

It's important to report unsafe working conditions because it can help to prevent accidents and injuries. If you see something that you think is unsafe, don't hesitate to report it. You could be saving someone's life.

Here are some examples of unsafe working conditions that you should report:

Exposed electrical wires
Unguarded machinery
Slippery floors
Inadequate ventilation
Lack of safety equipment
Unsafe work practices

If you're not sure whether something is an unsafe working condition, it's always better to report it. OSHA will investigate the complaint and determine if there is a hazard.

Cooperate with AM Trust investigation

When you file a workers' comp claim with AM Trust, they will investigate your claim to determine if it is valid. It's important to cooperate with AM Trust's investigation so that they can make a decision on your claim as quickly as possible.

Provide AM Trust with all of the information they request:
AM Trust will need information from you about your injury, your employer, and your medical history. Be sure to provide AM Trust with all of the information they request, even if you think it is not relevant to your claim. The more information AM Trust has, the better they will be able to evaluate your claim.
Allow AM Trust to inspect your workplace:
AM Trust may want to inspect your workplace to see if there were any unsafe conditions that contributed to your injury. If AM Trust asks to inspect your workplace, be sure to allow them to do so.
Attend any hearings or meetings that AM Trust schedules:
AM Trust may schedule hearings or meetings to gather more information about your claim. Be sure to attend any hearings or meetings that AM Trust schedules. If you do not attend, AM Trust may deny your claim.
Be honest with AM Trust:
It's important to be honest with AM Trust about your injury and your claim. If AM Trust finds out that you have been dishonest, they may deny your claim.

By cooperating with AM Trust's investigation, you can help to ensure that your claim is processed quickly and fairly.

Keep records of all expenses, communications

When you're filing a workers' comp claim, it's important to keep records of all expenses and communications related to your claim. This includes medical bills, lost wages, travel expenses, and any other expenses you incur as a result of your injury.

Medical bills:
Keep copies of all of your medical bills, including doctor's visits, hospital stays, surgery, medication, and rehabilitation. You should also keep copies of your receipts for any medical supplies you purchase, such as crutches or bandages.
Lost wages:
Keep track of all of the wages you lose as a result of your injury. This includes wages you lose while you're unable to work, as well as wages you lose because you have to take a lower-paying job.
Travel expenses:
If you have to travel for medical treatment, keep track of your travel expenses, including gas mileage, airfare, and hotel costs.
Other expenses:
Keep track of any other expenses you incur as a result of your injury, such as child care costs or the cost of hiring someone to help you with household chores.
Communications:
Keep copies of all communications you have with AM Trust, your employer, and your doctor. This includes letters, emails, and phone calls.

By keeping records of all expenses and communications, you'll be able to provide AM Trust with the information they need to process your claim quickly and fairly.

Be patient, persistent

Filing a workers' comp claim can be a long and frustrating process. It's important to be patient and persistent throughout the process. Here are a few tips:

Be organized: Keep all of your medical bills, receipts, and other documents related to your claim in a safe place. This will make it easier to provide AM Trust with the information they need to process your claim.

Follow up: Don't be afraid to follow up with AM Trust on the status of your claim. You can call AM Trust's customer service number or email them. You can also check the status of your claim online.

Be persistent: If AM Trust denies your claim, don't give up. You have the right to appeal the decision. You can also file a lawsuit against AM Trust if you believe that they have denied your claim unfairly.

Don't be afraid to ask for help: If you're having trouble filing your claim or appealing a denied claim, don't be afraid to ask for help. You can contact your state's workers' compensation board or a legal aid organization.

By being patient, persistent, and organized, you can increase your chances of getting the workers' comp benefits you deserve.

FAQ

Here are some frequently asked questions about workers' compensation insurance:

Question 1: What is workers' compensation insurance?
Answer 1: Workers' compensation insurance is a type of insurance that provides benefits to employees who are injured or become ill on the job. Benefits can include medical expenses, lost wages, and disability benefits.

Question 2: Who is required to have workers' compensation insurance?
Answer 2: In most states, employers are required to have workers' compensation insurance. The specific requirements vary from state to state. However, most states require employers with at least one employee to have workers' compensation insurance.

Question 3: What benefits are available under workers' compensation insurance?
Answer 3: Workers' compensation benefits can include medical expenses, lost wages, disability benefits, and death benefits. The specific benefits available vary from state to state.

Question 4: How do I file a workers' compensation claim?
Answer 4: To file a workers' compensation claim, you should contact your employer's workers' compensation insurance carrier. You can usually find the contact information for the insurance carrier on your pay stub or your employer's website.

Question 5: What should I do if my workers' compensation claim is denied?
Answer 5: If your workers' compensation claim is denied, you can appeal the decision. The specific process for appealing a denied claim varies from state to state. However, in most states, you will need to file an appeal with the state's workers' compensation board.

Question 6: Can I get help with my workers' compensation claim?
Answer 6: Yes, you can get help with your workers' compensation claim from a number of sources. You can contact your state's workers' compensation board, a legal aid organization, or an attorney.

Closing Paragraph for FAQ: If you have any other questions about workers' compensation insurance, you can contact your state's workers' compensation board or an attorney.

Now that you know more about workers' compensation insurance, here are a few tips for getting the most out of your policy:

Tips

Here are a few tips for getting the most out of your workers' compensation insurance policy:

Tip 1: Know your rights and responsibilities.
It's important to know your rights and responsibilities under your workers' compensation insurance policy. This includes knowing what benefits you're entitled to, how to file a claim, and what to do if your claim is denied.

Tip 2: Report your injury immediately.
If you're injured on the job, it's important to report your injury to your employer immediately. The sooner you report your injury, the sooner you can start receiving benefits.

Tip 3: Keep detailed records.
Keep detailed records of all expenses and communications related to your workers' compensation claim. This includes medical bills, lost wages, travel expenses, and any other expenses you incur as a result of your injury. You should also keep copies of all communications you have with your employer, the insurance company, and your doctor.

Tip 4: Get help from an attorney if needed.
If you're having trouble filing your claim or appealing a denied claim, don't hesitate to get help from an attorney. An attorney can help you with the paperwork, represent you at hearings, and negotiate with the insurance company on your behalf.

Closing Paragraph for Tips: By following these tips, you can increase your chances of getting the workers' compensation benefits you deserve.

Now that you know more about workers' compensation insurance and how to get the most out of your policy, you can rest assured that you're protected if you're injured on the job.

Conclusion

Summary of Main Points: Workers' compensation insurance is a type of insurance that provides benefits to employees who are injured or become ill on the job. Benefits can include medical expenses, lost wages, and disability benefits. Employers are required to have workers' compensation insurance in most states. If you're injured on the job, it's important to report your injury to your employer immediately and file a workers' compensation claim. You should also keep detailed records of all expenses and communications related to your claim. If you're having trouble filing your claim or appealing a denied claim, don't hesitate to get help from an attorney.

Closing Message: Workers' compensation insurance is an important safety net for workers who are injured or become ill on the job. By knowing your rights and responsibilities under your workers' compensation insurance policy, you can increase your chances of getting the benefits you deserve.