Harvard study finds medical bills as reason for 62.1% of bankruptcies

Michigan workers compensation lawyer explains your right to medical care and how to make sure that your medical bills are paid.

I frequently write about how access to medical care is one of the most important benefits under workers compensation.  So many of the people who contact my office do so because they can’t get workers compensation to pay their medical bills.  It is not uncommon to see an individual with tens of thousands of dollars in medical expenses.

Doctors and hospitals will turn over unpaid medical bills to debt collectors. You might find yourself getting harassing telephone calls or even being sued.  Bankruptcy becomes the only option and your financial situation becomes even more severe.

What the workers compensation law says

You are entitled to reasonable and necessary medical treatment for your work injury.  This includes surgical and hospital services, nursing care, physical therapy, and any prescription medications. 

You can also get dental care, artificial limbs, eyeglasses, hearing aids, wheelchairs and other appliances necessary to cure or relieve the effects of your work injury.

Medical treatment can include the cost of attendant care to help with activities of daily living.  Some examples are assistance with walking, bathing, using the bathroom, eating, dressing, and taking medications.  Your family members can receive payment up to 56 hours per week to help you around the house.

Medical treatment under workers compensation is unlimited and can be paid for life.  There are no deductibles or co-pays.

Frequent disputes under workers compensation

Insurance companies will disagree with what is reasonable and necessary medical treatment.  You will most likely be sent to an independent medical examination (IME) where an insurance company doctor will determine that you have fully recovered from your injury or that your medical condition is just part of the aging process.

Insurance companies will also tell you that your medical treatment is not work-related.  They will deny that you even had an injury and ignore the facts surrounding your claim.

Protect yourself

An experienced workers compensation lawyer can help get your medical bills paid. We can file a workers compensation case and force the insurance company to do the right thing. You don’t have to fight alone!

To speak with an experienced workers compensation lawyer, call (855) 221-2667 for a free consultation.

Alex Berman is the founder of the law firm. He’s been representing injured and disabled workers exclusively for more than 35 years.  Alex has helped countless people obtain medical treatment for their work-related injuries.

Related Information:

Video: Injured at work? Advice from a Michigan workers comp lawyer

Have your workers compensation benefits been denied or terminated?

Medical Bankruptcy in the United States, 2007: Results of a National Study

Photo courtesy of Creative Commons, by Michael Coghlan.

06/01/2011
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