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Q: I'm out of work and collecting workers' compensation. My company says I have to pay to maintain the health insurance I have through my work. Doesn't workers' comp have to pay them?

A:

Unfortunately, no.  Workers' compensation does not have to pay the premiums required by your employer to maintain your health insurance.  You may be either stuck paying your employer monthly to maintain your insurance or when you return to work you might be hit hard by premiums that you accrued while you were out of work.  It is important to remember that while the workers' compensation insurance will cover the reasonable and necessary treatment that is related to your work injury, you may have plenty of health costs that are unrelated.  For this reason, and because the Affordable Care Act, or "Obamacare", requires people to maintain health insurance, you should maintain the health insurance you had prior to your work injury.  

If you need advice relating to your work injury, reach out to the experienced team at Schmidt Kramer today.