Certain types of work injuries are likely to result in lasting consequences. Amputations and brain injuries can forever change the course of an individual’s life. A fracture or broken bone, on the other hand, typically responds well to medical care.
Professionals can generally expect to make a full recovery after a fracture if they receive appropriate medical care. Many professionals have medical insurance and even paid leave benefits from their employers. They may try to use those resources instead of filing a workers’ compensation claim when they have injuries that are likely to heal, such as fractures.
Why might employees with fractures prefer to use workers’ compensation benefits rather than paid leave and health insurance?
The length of their recovery
Fractures do not heal overnight. Typically, they require at least two months, if not longer, for the broken bone to knit. Many employees do not have enough paid leave for a lengthy recovery. Even if they do, burning through all of that at once might leave them without support if they have other issues that arise.
Patient responsibility costs
Another reason that professionals use workers’ compensation coverage instead of health insurance and paid leave is the expense of using health insurance. Coinsurance, copays and deductibles can impose a substantial financial burden on an injured person. Workers’ compensation does not impose any patient responsibility costs, allowing professionals to receive the care they require without paying out of pocket.
Pursuing a workers’ compensation claim after breaking a bone can help people minimize their financial setbacks. Those pursuing benefits may require support as they apply and seek to optimize their benefits, and that’s okay.
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