The misclassification of employees by companies is a serious problem, and it often leads to issues regarding workers’ compensation, payroll, and the rights and protections they receive from legislation pertaining to these classifications. Companies most frequently misclassify employees in low-wage-earning jobs, particularly ones with many immigrant workers, by deeming them “independent contractors” instead of full-time employees who are eligible for the protection that labor and wage laws provide.

According to the National Employment Law Project, the typical result of this misclassification is a decrease in the payroll expenses on the part of employers to the tune of 15-30%. Underreported wages have been estimated by the US Government Accountability Office, to total (at least) $436 million. Whether accidental or intentional, the misclassification of vulnerable employees is unjust, and states have recently been passing legislation to stop this harmful practice.

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When you or a loved one is in the hospital, the last thing you want to think of is how you’re going to pay your medical bills. Having your health insurance claim rejected is almost the ultimate insult to injury. The good news is that no matter the reason, your insurance provider is required to inform you of their denial, and you have the right to appeal it within six months of the notice they provide.

Ascertain the Cause of Denial

The first thing you need to do is look at the EOB (explanation of benefits) from your insurance company explaining the reason for the denial of coverage.

The exact reason for the denial may be found in the form of codes that may require you to reference a key, usually provided on the same document. If, after going through the forms you’re still unable to figure out what the exact issue was, speak to an agent. They are obligated to tell you why your application was denied.

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