What Are the Biggest Mistakes to Avoid When Filing for Workers Comp?

When you’re injured at work in Virginia, filing for workers’ compensation can feel overwhelming. Unfortunately, many people lose out on benefits simply because they make a few critical mistakes. At Geoff McDonald & Associates, we’ve seen these situations firsthand—and we want you to avoid them.

Failing to Report Your Accident Immediately

Virginia law requires you to report your workplace injury to your employer within 30 days. But here’s the reality: if you wait even one day, your claim is more likely to be denied. Insurance companies often apply the so-called “Monday Morning Rule.” If you get hurt on a Friday but don’t report it until Monday, they may argue you were injured over the weekend doing something unrelated. Protect yourself by reporting your accident right away—no excuses.

Telling your employer is not enough. You must also file a claim with the Virginia Workers’ Compensation Commission within two years. Many workers mistakenly assume their employer will handle this, but that responsibility falls on you. If you miss the deadline, you lose your right to benefits—period.

Giving a Recorded Statement to the Insurance Company

Insurance adjusters may seem friendly, but their job is to find reasons to deny your claim. If they ask for a recorded statement, don’t agree without legal advice. Too often, injured workers accidentally say something that can be twisted against them. In one case, a worker lost her claim simply because she was tricked into agreeing with a misleading question while she was still in the hospital.

Protect Your Rights Today

The workers’ comp system in Virginia is complex, and mistakes can cost you dearly. If you’ve been hurt on the job, don’t risk going through it alone. Call Geoff McDonald & Associates today at 800-488-8888 for a free consultation.