Why Workers’ Comp Insurance Companies Push Back on Claims
Common Questions from Injured Workers
Many workers are surprised to learn that filing a workers’ comp claim isn’t always smooth. Even when you’re clearly hurt, insurance companies often push back.
A question we hear all the time is:
“Why is the insurance company giving me such a hard time?”
Here’s why it happens—and how to protect yourself.
1. Insurance Companies Save Money by Paying Less
Workers’ comp insurance companies are businesses. Their goal is to:
Pay as little as possible on each claim
Close cases quickly
Avoid long-term or expensive benefits
This means their interests do not align with yours. Their job is to protect their bottom line, not your recovery.
2. Common Tactics They Use
You might notice the insurer:
Delays approving medical treatment
Sends you to their doctor who downplays your injury
Questions whether your injury is “work-related”
Suggests you can go back to work sooner than you feel ready
Offers a low settlement to get you off the books
These tactics are meant to frustrate and intimidate injured workers into giving up or accepting less than they deserve.
3. How to Protect Your Rights
The best defense is being prepared and proactive:
Document everything—injuries, doctor visits, and communications with your employer or insurer.
Follow your doctor’s orders and attend all appointments.
Call a workers’ comp lawyer if the insurer starts delaying, denying, or pushing you to settle.
At Martin & Martin, P.A., we only represent injured workers—never the insurance company.
Free consultations are available to review your case.
We can handle the insurer directly and make sure your rights are protected.
Bottom Line
Workers’ comp insurance companies aren’t your friends—they’re protecting their profits.
If they’re pushing back or delaying, you don’t have to face it alone.
A free consultation with Martin & Martin can make the difference between a denied claim and the benefits you need to recover.