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What happens if the insurance company denies my claim?

A workers’ compensation denial does not end the case. You can challenge it at the WCAB, and California generally requires accept-or-deny within 90 days.

What happens if the insurance company denies my claim?: A denial does not necessarily end the case. An injured worker can challenge the denial before the Workers’ Compensation Appeals Board, and medical disputes may require evaluation by a QME or AME. California also generally requires the claims administrator to accept or deny the claim within 90 days after receiving the completed claim form; particular rules and exceptions can affect that analysis.

Meanwhile, other benefits may still be in play

If wage-loss benefits are delayed or denied, workers often look at California SDI. A denial can also be a moment to talk with a workers’ compensation attorney.

Disclaimer

This page is general education about California workers’ compensation—not legal advice. Your facts, dates, and medical reports control. Workplace Rights Advocacy focuses on civil employment claims. Benefit and medical disputes inside the workers’ compensation system are often best handled by a workers’ compensation attorney. If an employer is forcing you out, denying accommodations, or retaliating around a work injury, that may be an employment case we can evaluate.

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Common questions

Answers we give on every page before you call. More detail is on our full FAQ page.

Do I have a case?

If you faced discrimination, harassment, retaliation, unpaid wages, wrongful termination, leave denial, or a refused disability accommodation, you may have claims. Whether your facts support a case depends on the evidence, deadlines, and applicable law—we evaluate that in consultation.

How much does it cost?

Initial consultations are typically free. If we take the matter, fees are usually explained in a written agreement before you hire us. Many employment cases are handled on contingency (see below).

Do you work on contingency?

In many employment matters, yes—attorney fees may be collected only if there is a recovery, subject to a signed fee agreement. Costs and fee arrangements can vary by case type; we confirm the terms up front.

How long will my case take?

Some matters resolve in months; contested lawsuits can take a year or longer through discovery, mediation, arbitration, or trial. Timing depends on the claims, court or arbitrator calendars, and whether the other side fights. See how long employment lawsuits take.

What should I bring?

Bring or upload what you have: a short timeline, pay stubs or time records, emails and texts, write-ups or reviews, medical or leave paperwork, and the names of witnesses or managers. See our documentation guide.

Free consultation?

Yes—initial consultations are typically free and confidential. Contacting us does not create an attorney–client relationship until there is a signed written agreement.

What happens after I contact you?

Our intake team reviews what you send, follows up if we need more detail, and screens deadlines and claim types. If the matter may be a fit, we schedule a consultation to discuss options, risks, and next steps—or we let you know promptly if we cannot help.