Contact your officials
When the insurer stonewalls you, there are people whose job is to oversee them. Use them — it's free.
Who oversees your claim
- State workers' comp board or commission — runs the claim and hears disputes.
- Ombudsman / injured-worker advocate — free help understanding and pushing your claim.
- State labor department — enforces the rules employers and insurers must follow.
Every state's offices are on the state help page.