The company picks up all of the out of pocket expenses after the group insunce has paid there portion. "They", is the company. If someone is injured that is not in the group the company pays for the treatment and claims loss of wages under their short term disability policy. The point being, this causes prmiums to go up each year at least 50 % for our portion, and if this policy is not followed then there is victimisation etc and of course the most obvious, lack of "work comp" benifits and protection , litigation etc and has led to additional medical problems for the same work related issue down the road that they then "fight". I thought that a person was supposed to be protected by the work comp laws ?

