Our video topic for today is What happens to my health insurance benefits if I am injured on the job and cannot return back to work?
Well, unfortunately that’s going to depend a lot on your employer. Some employers will help and continue to maintain your health insurance and others will require that you pay your health insurance privately either through the workers’ compensation benefits or through your savings that you have. Some will just stop your insurance benefits immediately and will not pay for any of your benefits so it depends on your employer. A good place to start is if you know anyone who’s been injured on the job long term and what they did to their employment benefits. When I say employment benefits I’m primarily talking about health insurance. Health insurance is something where you have to pay premiums every month and if you are terminated or if you can no longer do that job certainly you’re going to lose the ability to pay for the health insurance because you’re not working. They may offer you COBRA however COBRA is a program that is a lot more expensive than the health insurance originally and if you’re on workers’ compensation that’s going to be rather tough to make those payments, so it may be something where you’re looking at a spouse or looking for some other form of health insurance to protect you as in workers’ comp they’re not required to carry and continue your benefits especially if they’re taking them out of your salary and you’re not working. We hope that you found this information helpful. We always recommend that you speak with a Georgia workers’ compensation attorney specifically about your questions. If you have any questions you’d like to speak with us about please feel free to give us a call at the number below. Thank you.
Ty Wilson is a workers’ compensation attorney in Georgia and is dedicated to helping injured people and their families. Call his office today at 866-937-5454 to order his free report, Common Myths Associated with Georgia Workers’ Compensation Claims. This report is intended to give you and/or your loved one a basic understanding of what you are entitled to under workers’ compensation and more importantly what you are not entitled to in your Georgia workers’ compensation claim.