If you are relying on workers’ compensation benefits, you know how crucial these payments are for your financial stability and recovery. Still, some circumstances can stop or interrupt your payments, leaving you uncertain and vulnerable.
Common reasons workers’ comp benefits can be stopped
Many injured workers do not realize their benefits can be cut off under specific conditions. Here are some reasons your workers’ comp payments might stop:
- Reaching maximum medical improvement (MMI)
- Failing to attend medical appointments
- Returning to work or refusing suitable job offers
- Engaging in activities inconsistent with your injury
- Expiration of the benefit period
- Failing to follow prescribed medical treatments
In Rhode Island, the law sets specific guidelines for workers’ compensation. For example, the state allows for a maximum of 312 weeks of partial disability benefits. After this period, your payments may stop unless you qualify for an extension or permanent disability benefits.
The law also requires insurers to provide written notice before stopping or reducing benefits. This notice must explain the reason for the change and inform you of your right to appeal. If you receive such a notice, acting quickly to protect your rights is crucial.
It is important to note that insurance companies often look for reasons to reduce or stop payments. They may conduct surveillance or request additional medical examinations to challenge your claim. This practice can feel invasive and stressful for injured workers.
Some actions can lead to immediate benefit termination. For instance, if caught working another job while receiving benefits, you could face fraud charges and lose your payments.
Do not let obstacles stand in the way of your rightful compensation
If you are facing a disruption in your workers’ compensation benefits, it is imperative to seek the help of a skilled attorney. An attorney can help secure the benefits you deserve and effectively address disputes with your employer or insurer.