Do health insurance policies cover work related injuries?
If you have been injured at work, your first concern may be whether you will be able to get necessary medical treatment covered. Individual health insurance companies generally do not cover any injuries related to work. This does not mean you are left to pay out of pocket for any injuries or illnesses you sustain as a result of your job, however. In fact, most states require employers to obtain worker’s compensation insurance, which is designed to cover the costs of medical care and even lost income due to work-related injuries and accidents.
California is one of the states that requires worker’s compensation insurance. Although your employer may initially choose the physician who will examine and treat you, you may have the freedom to choose your own physician after a specific period. Employees may also have the right to be treated by their own personal physicians or primary care providers. If the injury includes disability claims, compensation may be considered retroactive.
Health insurance companies may also offer additional coverage for work-related accidents and injuries to their subscribers. This additional coverage will require higher premiums, and some occupations, such as road workers or firefighters, may not be eligible to participate at all due to the nature of their work. Construction workers, roofers, electricians, and others who are at a higher risk of injury than the general population may be able to take advantage of this additional level of coverage.
If you opt for additional work-related injury coverage, you will need to determine whether you want health coverage or disability coverage. The former will pay health care bills related to your workplace injury, while the latter will provide a portion of your lost wages if you have been injured at work.
Work-related injuries can take an enormous financial toll on an individual and his or her family. Because employees cannot claim double coverage, it is crucial that you understand your insurance benefits, rights, and responsibilities before you are facing a workplace-related accident or injury. Contact one of our experienced insurance agents today to learn more.
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