13 Jul, 2022
Should I Talk To The Insurance Company?Most insurance contracts require that you as the insured must cooperate with your own insurance…
From a legal standpoint, your employer’s role in the Workers’ Compensation claim process is straight-forward and limited. Upon notification that you have been diagnosed with Carpal Tunnel Syndrome, your employer is required to:
However, in practice, many employers will direct the worker to receive treatment under their group health insurance plan. The employer is fully aware that the injured employee should be referred to the Workers’ Compensation insurance company.
Unfortunately, by receiving treatment under the group health insurance plan, “CTS” sufferers are in effect, forfeiting their legal right to receive Workers’ Compensation benefits. Consider the following:
The bottom line… you will be needlessly jeopardizing your financial security and forfeiting your legal right to receive Workers’ Compensation benefits by receiving treatment under the group health insurance plan.
|A worker’s “Quick Guide” to the basic benefits provided by Workers’ Compensation insurance versus group health insurance|
Rights & Benefits
|Worker’s Compensation Insurance||Group Health Insurance|
|MEDICAL EXPENSES 100% of all reasonable & necessary medical expensesNo deductiblesNo co-insurance paymentsNo pre-set limits||YES||NO Requires a deductibleRequires co-paymentPre- determined limits on treatment|
|TREATMENT – CHOICE OF DOCTORSProvides treatment by a minimum of 2 doctors of your own choosing Treatment can be received at any medical facility of your own choosing||YES||NO Must choose doctor on plan’s “list of doctors”Must receive treatment at plan facilitiesRequires approval for referral to specialist|
|LOST WAGE BENEFIT Pays a weekly tax free benefit while you are off work recovering & under active medical treatmentNo specified time limitation||YES||NONOT PROVIDED BY ANY GROUP PLAN|
|LUMP SUM SETTLEMENT OR AWARD Compensation for residual effects of CTS even if you return to your prior professionAll monetary benefits are tax-free||YES||NONOT PROVIDED BY ANY GROUP PLAN|