If you’re hurt on the job in South Carolina, workers’ compensation should help you pay for your medical bills and lost wages. But too many people make simple mistakes that cost them their benefits or delay the help they need. Knowing what not to do can make a big difference in how smoothly your claim goes.
Below, we’ll walk through the most common missteps workers make—and how to avoid them.
Waiting Too Long to Report the Injury
South Carolina law gives you 90 days to report a work injury to your employer. But waiting even a few days can hurt your claim. Employers and insurance companies may question how serious the injury really is or argue that it didn’t happen at work.
- Tell your boss or supervisor as soon as possible.
- Even if the injury seems minor, do it in writing if you can.
Not Getting Medical Treatment Right Away
Some workers try to tough it out or hope their pain goes away. But failing to see a doctor right after your injury may raise doubts about your claim. Insurance companies often look for gaps in medical treatment as a reason to deny benefits.
- Go to the doctor immediately after your injury.
- Follow all instructions and attend every appointment.
Seeing the Wrong Doctor
In South Carolina, your employer or their insurance company usually chooses the doctor who treats your work injury. If you go to a doctor on your own without permission, the treatment might not be covered.
- Ask your employer or their insurance adjuster for an approved doctor.
- If you’re unhappy with the care you’re receiving, you may request a second opinion—but make sure to follow the proper steps.
Not Telling the Doctor the Full Story
When you see the doctor, it’s important to explain exactly how you got hurt and which parts of your body are affected. If your medical records don’t match your report to your employer, it can raise red flags.
- Be honest and detailed.
- Don’t downplay your pain or leave out any body parts that feel injured, even if the pain is mild at first.
Posting on Social Media
Many people don’t realize that what they post online can be used against them. Insurance companies may check your Facebook, Instagram, or other accounts looking for proof you’re not as injured as you claim.
Stay off social media while your case is active. Even a simple post of you smiling at a family barbecue could be twisted to question your injury.
Not Following Doctor’s Orders
If you skip physical therapy, return to work too soon, or ignore restrictions, you might risk your health—and your claim. Insurance companies may argue that you made your injury worse or that you don’t need more care.
Follow all treatment plans and work restrictions. Keep records of everything.
Trying to Handle the Claim Alone
Workers’ comp claims can be confusing, especially if your employer or their insurance company doesn’t play fair. Many people settle too early or accept less than they deserve because they didn’t get legal help.
If your claim is denied, your benefits are delayed, or you’re offered a quick settlement, consider talking to a professional. A South Carolina workers’ compensation lawyer can help protect your rights and fight for the full benefits you’re owed.
Missing Deadlines
In addition to the 90-day rule to report your injury, South Carolina gives you two years to file a formal claim with the Workers’ Compensation Commission. Miss that deadline, and you could lose your right to benefits entirely.
Keep track of dates and paperwork. When in doubt, don’t wait to take action.
Take Action to Protect Your Rights
Getting hurt at work is stressful enough. The last thing you want is to lose the benefits you’re entitled to because of avoidable mistakes. Whether it’s telling your boss right away, getting medical care, or being careful about what you say and do, each step matters.
If you’re unsure about the process or feel like you’re being treated unfairly, don’t wait. Talk to someone who understands how these claims work in South Carolina. The right help can make all the difference in getting the care and support you deserve. Visit https://www.joyelawfirm.com/workers-compensation-lawyer/ to be guided and make sure your rights are protected every step of the way.