Anyone familiar in dealing with workmans comp?
I work for a large city. The city pays all of the medical bills itself and does not have it's own workman's comp insurance. It does however have a company that handles all of the claims. I got hurt at work (ruptured L5-S1)and have seen 4 doctors(1 being the "company" doctor) so far that say I have a ruptured disc and . All 3 specialists that Iv seen say I need surgery and 2 out of 3 say to get an artificial disc. I have come to the point where I have decided to get an artificial disc instead of a fusion. Iv been told by a lot of co-workers that the claims company will deny everything no matter what. So now I don't know what's going to happen. I was told that if they denied it I would have to appeal it until I got approval. Can anyone explain the process to me?