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  1. #1
    Join Date
    Dec 2010
    Posts
    21

    Angry Medical Insurance Being Used Instead of Workers Comp Insurance

    My question involves labor and employment law for the state of: Illinois
    Background. -State Illinois, non-union employer, mechanical environment, approx 100 workers.
    Medical insurance being used for work related injuries. Is this “legal”?
    Insurance company will not / cannot address this apparently due to privacy laws. Each year medical premiums increase by at least 50% due to higher risk. How can this matter be addressed? Employees are not united.

  2. #2
    Join Date
    Jun 2006
    Location
    Massachusetts
    Posts
    24,521

    Default Re: Medical Insurance Being Used Instead of Workers Comp Insurance

    Why is this happening? Does the employer not have workers comp insurance? Is the employer not submitting claims to the carrier? Are the employees not reporting claims? Are claims being denied by workers comp and then submitted to the medical insurance? More information is needed.

  3. #3
    Join Date
    Dec 2010
    Posts
    21

    Default Re: Medical Insurance Being Used Instead of Workers Comp Insurance

    They do have work comp insurance. The incidents are being reported as work related, yet the they choose to deal with it under medical insurance because it keeps their work comp premiums down....They made comment that the last "claim" filed in 2001 , that person did not last "very long"...

  4. #4
    Join Date
    Dec 2007
    Posts
    2,357

    Default Re: Medical Insurance Being Used Instead of Workers Comp Insurance

    So, they are making the employees use their OWN insurance for job-related injuries?

  5. #5
    Join Date
    Jun 2006
    Location
    Massachusetts
    Posts
    24,521

    Default Re: Medical Insurance Being Used Instead of Workers Comp Insurance

    Just for clarification of what Patty is asking; is the medical insurance that the claims are being put through, sponsored by the employer? Or are the employees required to buy their own insurance completely separate from the employment?

  6. #6
    Join Date
    Dec 2010
    Posts
    21

    Default Re: Medical Insurance Being Used Instead of Workers Comp Insurance

    There contribution is approx 50 % of the premiums

  7. #7
    Join Date
    Dec 2007
    Posts
    2,357

    Default Re: Medical Insurance Being Used Instead of Workers Comp Insurance

    Not what was asked, but I am assuming your answer means that the medical insurance that is being used is group medical insurance that is offered by the employer?

    What happens if there is an injury to an employee who was waived the insurance?

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