Imagine working in a retail store as a stocker. You are in the back bay pulling product when a tower of improperly stacked boxes falls on top of you. After getting to the emergency room, you find out you have a concussion and some cracked ribs. Now, you are facing a high emergency room bill, multiple other medical expenses and you will have to miss work for more than a week.
It seems like it should be relatively easy to file a claim and receive workers' compensation benefits. You were injured while on the clock and on the store premises. Why would the insurance provider deny your claim? Unfortunately, even in cases that seem very simple, an insurer can deny a workers' compensation claim. However, a claim denial does not have to be a final ruling.