What action is most appropriate if an employee has been underpaid for work-related injury benefits?

• A. Withdraw the claim
• B. Report to HR for review
• C. Contact the insurance carrier for resolution
• D. Wait for employer response

Answer: (C)

The most appropriate action to take when an employee has been underpaid for work-related injury benefits is to contact the insurance carrier for resolution. This step is crucial because the insurance carrier is responsible for managing and disbursing compensation related to work-related injuries. They have the resources and authority to investigate the claim further, rectify any discrepancies, and communicate with both the employer and the employee regarding the resolution process.

Engaging the insurance carrier directly allows for a more streamlined way to address the issue, as they can clarify the benefits that should be covered and ensure that the employee receives the full amount due. Furthermore, the insurance carrier is typically well-equipped to handle claims disputes and can facilitate the process of correcting any underpayment.

On the other hand, withdrawing the claim is not advisable, as it removes the possibility of rectifying the situation. Reporting to HR may be necessary subsequently but does not directly address the immediate concern of the underpayment, and waiting for an employer response could lead to unnecessary delays in receiving the owed benefits. Involving the insurance carrier directly is, therefore, the most effective method for ensuring that the employee receives the compensation they are entitled to without unnecessary delays.