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Private Health Insurance When Workers’ Compensation Claim Denied?

Exploring Your Health Insurance Options

When accidents or injuries occur in the workplace, Minnesota law requires employers to provide workers’ compensation insurance for their employees. This insurance is designed to provide financial support for medical expenses, lost wages, and other benefits in the event of work-related injuries or illnesses. However, there are instances where workers’ compensation claims are denied, leaving employees in a vulnerable position. In such cases, it’s crucial to understand your options, particularly when it comes to using your health insurance provided by your company.

At Harvey & Carpenter, Attorneys at Law, we believe in fighting for the rights of employees who face denied workers’ compensation claims. In this blog post, we will explore why turning to private health insurance may not be the ideal solution and highlight the advantages of pursuing alternative avenues.

  • Coverage of Work-Related Injuries: One of the most significant challenges in relying solely on private health insurance for work-related injuries is that many policies explicitly exclude coverage for such incidents. These policies are typically designed to cover non-occupational injuries or illnesses, which can create a gap in coverage for employees injured on the job. Without workers’ compensation, individuals may find themselves burdened with substantial medical bills and related expenses.
  • Lost Wages: Workplace injuries can often lead to a temporary or permanent inability to work, resulting in lost wages. Unlike workers’ compensation, which provides specific benefits for lost income, private health insurance policies generally do not offer coverage for income replacement. This can place additional financial strain on individuals and their families, making it difficult to meet day-to-day living expenses during recovery.
  • Funeral Costs: In tragic cases where a work-related accident results in the loss of life, workers’ compensation insurance also covers funeral expenses. Unfortunately, private health insurance typically does not extend coverage for such costs. By relying on workers’ compensation, families can alleviate the financial burden associated with end-of-life arrangements, allowing them to focus on healing and grieving.
  • Rehabilitation Benefits: Workers’ compensation goes beyond medical coverage and lost wages by offering rehabilitation benefits. These benefits are designed to assist individuals in recovering and regaining their functionality through physical therapy, vocational training, job placement assistance, and more. Health insurance policies often do not provide the same level of comprehensive rehabilitation support, leaving individuals without the necessary resources for a successful recovery and return to work.

How Can Harvey & Carpenter Help?

If your workers’ compensation claim has been denied, seeking legal assistance can make a significant difference in securing the benefits you rightfully deserve. At Harvey & Carpenter, Attorneys at Law, we practice extensively in workers’ compensation cases and have a deep understanding of the laws and regulations that govern these claims in Minnesota.

Our dedicated team will work tirelessly to fight for your rights and ensure that your case is thoroughly evaluated. We can assist you in gathering evidence, navigating the appeals process, and advocating on your behalf to maximize your chances of a successful outcome. With our expertise and guidance, you can be confident that your interests are being protected.

While private health insurance may seem like a fallback option when workers’ compensation claims are denied, it often fails to provide the necessary coverage and benefits for work-related injuries. Turning to experienced workers’ compensation attorneys, such as those at Harvey & Carpenter, can help you explore alternative avenues and fight for the benefits you deserve. Remember, workers’ compensation covers medical expenses, lost wages, funeral costs, and rehabilitation benefits, ensuring comprehensive support during challenging times. Contact our team today to discuss your case and let us help you secure the compensation you need to recover and move forward. Call today for a free consultation at (507) 779-7529.