When you have reached maximum medical improvement and received an impairment rating following treatment for your Colorado workers compensation claim, your insurance will issue a Final Admission of Liability or a General Admission of Liability. In short, this is a list of the benefits that the insurance company believes you should receive for your injury.
This documentation is one of the single most important pieces of paper you will receive during your Colorado workers compensation claim, and unfortunately it doesn’t include all of the facts. When you receive the Final Admission of Liability, this is the paperwork that the insurance company is required to have to close your case. Typically, they don’t include any documentation regarding deadlines, or any of the other information you need to protect your rights. Enlisting the help of an experience Colorado workers compensation attorney, if you haven’t already done so during your claim process, is a must at this stage. If you have any permanent impairments resulting from your workplace injury, you simply cannot afford not to have an attorney to help you get the maximum benefits.
Facts Your Insurance Provider Will Not Tell You
- You must file an Objection to the Final Admission within 30 days from the date postmarked on the envelope or the date on the letter, whichever is earlier.
- Missing the deadline means you may be stuck with whatever the Final Admission of Liability States
- You must request a hearing or a Division Independent Medical Examination (DIME) within that 30 day period
- The insurance company will not, nor is it required to, provide the Objection to Final Admission or the Notice and Proposal to Select a DIME. You will have to secure these forms on your own, and have them submitted within the 30 day period, typically without exception
- If you choose to exercise your right to a DIME, your insurance company knows which doctors on the list will favor their case. You need an attorney with the same insider information to defend you during the selection process.
If you have received a Final Admission of Liability, or expect to reach your maximum medical improvement, and have not hired an attorney to represent you, now is the time.
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