Will My Insurance Cover An Injury That Happened At Work?
After suffering an injury at work, you may be tempted to avoid the hassle of filing a workers’ compensation claim and instead decide it would be better to file a claim through your own personal insurance policy. Although tempting, there are several reasons why you shouldn’t file a work injury claim with your own insurance policy. In this blog we’ll explore some of these reasons and help you understand why workers’ compensation is the best avenue for filing on-the-job injury claims.
Looking for assistance with filing a workers’ compensation claim? Has your workers’ compensation claim been denied? Reach out to the team at McHargue & Jones by dialing (312) 487-2461 today! We are here to provide help.
What Is the Difference Between Workers’ Comp and Private Insurance?
Private health insurance does not provide these types of benefits to compensate workers; however, it may cover expenses such as medication and medical bills that result from job-related injuries. One of the biggest differences between private health insurance and workers’ compensation is the types of compensation that can be obtained for your injuries. Workers’ compensation can also provide disability benefits for employees who are permanently or temporarily disabled.
Does Health Insurance Cover Work-Related Injuries?
The workers’ compensation system offers protection for injuries sustained at work, so private health insurance companies are not obligated to cover such injuries as most businesses are legally obligated to provide this for their employees. The specific terms of your policy will depend on whether certain insurance companies still provide this coverage. Subsequently, some insurance companies may seek reimbursement from your employer or the workers’ compensation system for medical expenses resulting from a work injury. Seeking coverage for a work-related injury from your private health insurance provider is a more indirect method of obtaining the same compensation that you might have been able to receive through the workers’ compensation system in certain aspects.
Get Help Filing a Claim Today!
You may be able to try and appeal the decision to compensate workers for benefits again! If you are considering going through your own health insurance and have already tried filing for workers’ compensation, call our firm. The workers’ compensation attorneys at Jones & McHargue provide nearly two decades of combined experience in navigating the fair compensation system for their clients. You may feel overwhelmed and the process may be daunting, but you don’t have to go through it alone. Often, it’s in your best interest at the end of the day.
Call (312) 487-2461 immediately to discuss your needs for workers’ compensation. We are available 24/7 and offer free consultations for prospective clients.