Workers Comp and private insurance

[racergaldar]

Originally Posted by sahuaro

You are very fortunate to have insurance that covers discograms and ADRs!

I don't have any knowledge of the issues around WC vs private insurance but I do have a bit of info which may or may not be relevant: there is something called subrogation in which a private insurance company can recoup payments from a third party. If this is relevant, you might want to consult with a lawyer before making any decisions.

Recently I attended a WC Seminar and after the seminar spoke with one of the presenters. When I first had my injury, I was embarrassed to file as WC because I'm in HR. I talked to a couple of other HR Professionals and asked them what they did and one told me she used her private insurance. I thought about that, then thought about the question on the patient info form "Is the injury work-related?". I didn't want to lie and I was afraid that if I did, the insurance would come back to me and ask me for full payment. However, when I spoke with the lecturer (specialist in WC), he told me that if later private insurance found out, they would go over after the insurance carrier. I verified this with an attorney during a consultation.