Out-of-pocket costs (or advanced expenses) are the money we spend to properly put your claim together. Common examples of out-of-pocket expenses include things like the fees associated with obtaining police reports, medical records, expert witness fees, and court costs. For workers’ compensation cases, the largest out-of-pocket cost we generally have is the fee we pay our doctor to review your medical records, examine you and write a report with their findings. Out-of-pocket costs on a work comp claim generally are around $1,000.
Not all records and documents required for your case will become out-of-pocket costs. Any documents you can provide beforehand will reduce those costs. In workers compensation claims, we try to get as many records as we can from the insurance company. However, sometimes they don’t have all the documents we want to fully prepare your claim and then we typically obtain medical records from your treatment providers to ensure it is the full documentation. Remember, we only get this money paid back to us IF we get a settlement for you. If we don’t get you any money, you don’t owe us anything for these expenses we paid up front.