Open enrollment for Affordable Care Act

Time to sign up for health insurance and why this is a critical step in a workers’ compensation case.

It is that time of year again when people start thinking about health insurance. This is especially true for individuals who are not working because of a workplace accident.

Michigan law does not require an employer to continue paying for health insurance if an employee is off on workers’ compensation. Many people must look for other health insurance options for their families.

The open enrollment period for the Affordable Care Act runs from November 1, 2017 to December 15, 2017. Individuals will be able to purchase health insurance through the marketplace.

Michigan Workers’ Compensation

Workers’ compensation requires coverage of reasonable, necessary, and related medical conditions. It does not cover general health concerns or treatment for other items.

Some medical claims are disputed under workers’ compensation. This usually occurs after a person is sent to an independent medical examination (IME). These doctors usually find nothing wrong or say a medical condition is not work related.

Medical evidence is critical to winning a workers’ compensation case at trial. Testimony from a doctor will be used to prove causation and disability. Individuals without current medical treatment have a much greater risk of losing at trial.

Health insurance will pay disputed medical bills. This allows a person to see their doctor and continue treatment. Reimbursement is usually required out of the proceeds of any workers’ compensation settlement or award. A skilled lawyer can minimize the amount paid back.

Michigan Workers Comp Lawyers never charges a fee to evaluate a potential case. Our law firm has represented injured and disabled workers exclusively for more than 35 years. Call (844) 201-9497 for a free consultation today.

Related information:

How insurance companies use IME doctors to abuse the workers’ comp system

Photo courtesy of Creative Commons, by aronbaker2.

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