Health Insurance Cover and Workers Compensation: A Brief Guide
Health insurance are not the same as workers compensation insurance. Even with health insurance, you are not covered for work-related injuries, and the simple reason is that as per the laws of most states, it is required for employers to have workers’ compensation insurance. Workers’ compensation insurance is borne by the employer and happens to be very different from health insurance even when they cover similar injuries. While you get to decide the extent of coverage of your own health insurance, in workers’ comp insurance, the coverage and the premium are based on the risk of your job. For example, according to OSHA - construction accounted for approximately 20% (1,061) of worker fatalities in the private sector in the calendar year 2019, accounting for one in every ...
