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Alabama Workers Compensation Questions Can I use my own insurance

Alabama Workers Compensation Questions Can I use my own insurance

Generally, NO.

Alabama law dictates that your employer has to report a job injury. This is not open for interpretation; at this point your claim should be turned over to your employers' workers' compensation insurance carrier. In order to use your personal health insurance, you would have to lie about how the accident occurred in order for your health insurance to pay for your treatment, and you would be committing fraud. Your actions would be forcing your insurance carrier to bear a cost they are not legally obligated to pay.

If your insurance provider later finds out that your injury was really the result of a job accident, they will withdraw all the monies they have already paid for your treatment, and you will be personally responsible for paying these medical bills. Most of us simply do not have the money to pay for a surgery out of pocket.

Lastly, despite any promise from your employer to "take care of you," if you fib about how your injury occurred, once you lie to several doctors about how your injury occurred, it is extremely tempting (and easy) for your employer to "forget" that you were hurt at work. At this point, all they have to say is that you never told them that you were hurt at work, and it can be extremely hard (but not impossible) for you to prove otherwise.

If workers compensation has refused to accept liability for your injury, then you are free to see whom you wish and try to have your insurance carrier cover the expenses.

If you or a loved one suffered a workplace injury and you have questions about your right to Alabama Workers' Compensation benefits, don't hesitate to contact and speak with one of the experienced Alabama Workers Compensation Lawyers at Powell and Denny today.

Powell and Denny: We Work When You Can't

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Alabama Workers Compensation Questions Can I use my own insurance

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