Sustaining a workplace injury can lead to financial uncertainty, especially when it comes to health insurance coverage. In Illinois, workers’ compensation provides medical benefits and wage replacement, but it does not directly cover an employee’s existing health insurance premiums. Whether your employer continues to pay for your health insurance depends on several factors, including company policies, union agreements, and the terms of your employment.
Under the Illinois Workers’ Compensation Act, employers must cover all reasonable and necessary medical expenses related to a workplace injury. However, this does not extend to standard health insurance coverage, which may be affected if you are unable to work. Employees who are part of a union or have a contractual agreement may still receive employer-sponsored health insurance while receiving workers’ compensation benefits. In other cases, employees may need to explore alternative options to maintain their coverage.
Employer-Sponsored Health Insurance and Workers’ Compensation
Many employees receive health insurance as part of their benefits package, with employers covering part or all of the premiums. If you are receiving workers’ compensation benefits, your employer may or may not continue paying for your health insurance. Some key considerations include:
- Company Policy: Some employers continue to pay insurance premiums while an employee is out on workers’ compensation, while others require employees to pay their share of the premium.
- Family and Medical Leave Act (FMLA): If your injury qualifies under FMLA, your employer must maintain your health insurance benefits for up to 12 weeks, provided you continue making premium payments.
- Union or Employment Contracts: Employees covered under union agreements may have additional protections ensuring continued health insurance coverage.
If your employer stops contributing to your health insurance, you may need to pay the premiums yourself or seek coverage through options like COBRA or the Affordable Care Act marketplace.
Alternatives if Your Employer Stops Paying Your Health Insurance
If your employer discontinues health insurance coverage while you are receiving workers’ compensation benefits, several options can help maintain coverage:
- COBRA: The Consolidated Omnibus Budget Reconciliation Act (COBRA) allows employees to continue their employer-sponsored health insurance for a limited period, but they must pay the full premium.
- Marketplace Insurance Plans: The Affordable Care Act (ACA) provides health insurance options with potential subsidies based on income.
- Medicaid: If your income is significantly reduced due to your injury, you may qualify for Medicaid coverage in Illinois.
- Spouse or Family Coverage: If a spouse has employer-sponsored insurance, you may be eligible to join their plan.
Losing health insurance can add stress to an already challenging situation. Seeking legal guidance can help you understand your rights and explore potential solutions. Learn more about how Roger D. Rudich, Ltd. assists injured workers by visiting the practice areas page.
What If Your Employer Retaliates for Seeking Benefits?
If your employer retaliates against you for filing a workers’ compensation claim, you may have legal options to fight back. Illinois law strictly prohibits employers from punishing workers for seeking benefits after a workplace injury. Retaliation can take many forms, including sudden termination, demotion, reduction in work hours, or denial of earned benefits such as health insurance.
If your employer discontinues your health insurance as a way to pressure you into dropping your claim or returning to work prematurely, this could be considered illegal retaliation. Workers who experience these tactics should document every interaction and seek legal guidance immediately. An accident attorney in North Center Chicago can help you challenge employer retaliation and protect your rights under Illinois law.
Taking legal action may allow you to recover lost wages, benefits, or even reinstatement of your employment if necessary. If you suspect retaliation, it is crucial to act quickly to avoid further financial hardship. Seeking professional legal assistance can help you understand your options and ensure that your employer is held accountable for any unlawful actions.
The Benefits of Legal Assistance
Managing workers’ compensation claims while dealing with health insurance concerns can be overwhelming. An experienced attorney can assist with:
- Ensuring you receive full medical benefits under Illinois workers’ compensation laws
- Addressing employer disputes regarding health insurance continuation
- Identifying alternative health insurance options if coverage is discontinued
- Protecting against employer retaliation for filing a claim
Your Rights Matter – We’re Here to Defend Them
When facing a workplace injury, maintaining health insurance coverage is a critical concern. While some employers continue paying premiums, others may not, leaving employees searching for alternative solutions. Whether you need guidance on workers’ compensation claims or employer-related disputes, Roger D. Rudich, Ltd. is committed to helping injured workers in Chicago secure their legal rights. If you need assistance, reach out to our firm today.
