Who pays your health insurance while on workers’ compensation depends on whether you had prior coverage. If your employer provides health insurance benefits, you will continue to receive these while you get workers’ comp. Your employer will cover their portion of your insurance premiums indefinitely.
If your employer removes you from their health insurance plan without your consent while you are on workers’ comp, get legal help. Contact Raleigh, NC, workers’ compensation lawyers to evaluate your legal options. You could have grounds for seeking damages from your employer to cover your medical bills and other losses you incur.
Who Pays Your Health Insurance While on Workers’ Compensation in North Carolina?
You and your employer may jointly share the cost of your health insurance while you are on workers’ comp. What you pay for insurance premiums depends on your policy. As long as you stay employed, you will continue to receive health insurance benefits.
In one of the worst-case scenarios, you cannot work due to the severity of your injury or illness you suffered on the job. At this point, you qualify for total temporary disability (TTD). You will start receiving workers’ compensation checks, for which you will get two-thirds of your standard paycheck amount.
Before you receive TTD benefits, find out if you should still make contributions to keep your health insurance active. A workers’ comp lawyer can help you out. They can teach you about North Carolina’s workers’ compensation laws and make sure your legal rights are protected.
For a free legal consultation, call (800)785-5000
Who Pays Your Health Insurance if You Miss Work While on Workers’ Compensation?
Typically, you and your employer will continue to share the cost of your health insurance during this time. However, there is no guarantee your employer will automatically tell you that you need to maintain your health insurance. As such, ask your employer about your insurance coverage at this time, or it could lapse altogether.
Any time you discuss your health insurance while on workers’ compensation with your employer, keep track of your communications. Document all discussions about your insurance coverage with your employer. If your employer disputes or denies your coverage, this proof can help you build a case for damages.
Let a lawyer who has workers’ comp case experience serve as your legal advocate and representative. Your attorney can explain the documents needed for workers’ compensation claims and how to prove your employer should continue to contribute to your insurance costs. If necessary, they can file a lawsuit on your behalf.
Who Pays Your Health Insurance if You Get Fired While on Workers’ Compensation?
Your lawyer can explain the process for workers’ comp claims if you get fired. It is legal for an employer to fire a worker even if they are getting workers’ compensation benefits. If you get fired while on workers’ comp, your employer’s health insurance benefits will no longer be available, but you have other options.
Generally, you can request health insurance under the Consolidated Omnibus Budget Reconciliation Act (COBRA). As a covered employee, COBRA lets you continue to receive your current health insurance benefits for up to 18 months after your employment is terminated. You will have to pay up to 102% of the cost of your initial plan for these benefits.
Alternatively, you can shop around for private health insurance. Or, if you find a new job, you may receive insurance coverage through your employer. Consider your insurance options carefully, and you can find a plan that provides you with adequate coverage.
Click to contact our personal injury lawyers today
Should You Pay Your Medical Bills While on Workers’ Compensation?
You should not pay your medical bills if your employer has accepted your workers’ compensation claim. In this scenario, your employer’s workers’ comp insurance company will cover these bills. Unfortunately, if your claim is denied, you may have to take legal action to receive compensation for your medical expenses.
If you suffer an injury or illness at work, your medical bills may be covered by your employer’s workers’ compensation coverage. Yet, your employer can contest your claim for work-related injury or illness. A workers’ comp lawyer can help you deal with this challenging situation.
Your attorney can request a hearing with the North Carolina Industrial Commission to appeal your claim denial. They can gather evidence to help you prove that your claim is valid. If they succeed, you should expect your medical bills and other losses relating to your work injury or illness to be covered under workers’ comp.
Complete a Free Case Evaluation form now
Partner With Workers’ Comp Lawyers Who Understand the Short- and Long-Term Ramifications of Your Work Injury or Illness
Health insurance can be a hassle, particularly for those who recently got hurt or became ill at work. If you are unaware of your legal rights, you may wind up paying your medical bills and other expenses associated with your work injury or illness on your own. Thankfully, workers’ comp attorneys are available to assist you.
The Whitley Law Firm has more than 90 years of combined legal experience on our team. Our lawyers understand how a work injury or illness affects you and your family, and we will help you get the workers’ comp benefits you deserve now and in the future. Schedule a consultation with our attorneys.
Call (800)785-5000 or complete a Free Case Evaluation form