If you decline to return to the job, the insurance company is likely to attempt to reduce your worker’s comp benefits. They can argue that you can perform available work and it is your choice not to perform this work so the loss of earnings is unrelated to the work injury—so it is appropriate to reduce, suspend or terminate your indemnity or wage-loss benefits. Many times, the workers’ compensation carrier makes this move after an “independent” medical examination; therefore, they have paid a physician for a medical opinion—frequently, contrary to your own doctor’s opinion—and then try to change your benefit status based upon this “bought” opinion. At The Belt Law Firm, P.C., we know when such a move is coming, know how to best prepare for such a move and know best how to respond to such a move to protect your medical and wage loss benefits.