Is anyone else aware that the benefits of a health plan can be different for the enrolled employee versus the dependent? How is this even legal in any state? And disclosure is not required either. This was a work-related injury.
Fuming and Hurt
Dear Fuming and Hurt,
With the right wording, the insurer could refuse to pay the claim even if the dependent did not have workers compensation coverage from the employer. Thus, a self-employed person who does not have to have workers compensation coverage could be left to pay for his/her own injury.