Injured at work, should I bill my employer?

Non-investing personal finance issues including insurance, credit, real estate, taxes, employment and legal issues such as trusts and wills
Topic Author
tony5412
Posts: 509
Joined: Wed Aug 27, 2014 12:09 am

Injured at work, should I bill my employer?

Post by tony5412 »

I don't want to get too specific but it required an emergency room visit and stitches. I received a couple of bills (so far) and the total is approximately $250. One bill was actually over $1100 (for emergency eval and services) but I received a large "uninsured discount" of approx $900 even though I do have health insurance. Maybe they did not charge insurance because I told them it happened at work.

Anyway, I have had people tell me I should go to my employer and have them pay for it. I did report the injury to my employer but did not miss any time off of work. Should I push to have them pay for it or just pay it and be done with it? It was just a freak accident and there wasn't any negligence on their end.
daheld
Posts: 991
Joined: Wed Sep 13, 2017 8:14 am
Location: Midwest US

Re: Injured at work, should I bill my employer?

Post by daheld »

tony5412 wrote: Thu Dec 19, 2019 12:01 pm It was just a freak accident and there wasn't any negligence on their end.
Based off this, no.
jpelder
Posts: 816
Joined: Mon Jan 26, 2015 3:56 pm
Location: Concord, NC

Re: Injured at work, should I bill my employer?

Post by jpelder »

Your employer should have some kind of workman's compensation policy. Speak to HR, and document everything
BarbBrooklyn
Posts: 882
Joined: Fri Aug 24, 2018 9:33 am
Location: NYC

Re: Injured at work, should I bill my employer?

Post by BarbBrooklyn »

I think you need to file a worker's comp claim. Hospital should bill employer's worker's comp policy.
BarbBrooklyn | "The enemy of a good plan is the dream of a perfect plan."
Shallowpockets
Posts: 1717
Joined: Fri Nov 20, 2015 10:26 am

Re: Injured at work, should I bill my employer?

Post by Shallowpockets »

If it happened on the job, there must be some sort of reporting form. Am incident report.
When you went to the ER you should have had info from your employer on how to report it to the ER and have it billed that way.
Topic Author
tony5412
Posts: 509
Joined: Wed Aug 27, 2014 12:09 am

Re: Injured at work, should I bill my employer?

Post by tony5412 »

Shallowpockets wrote: Thu Dec 19, 2019 12:08 pm If it happened on the job, there must be some sort of reporting form. Am incident report.
When you went to the ER you should have had info from your employer on how to report it to the ER and have it billed that way.
I did fill out an incident report but they didn't give me any info regarding that.
Topic Author
tony5412
Posts: 509
Joined: Wed Aug 27, 2014 12:09 am

Re: Injured at work, should I bill my employer?

Post by tony5412 »

jpelder wrote: Thu Dec 19, 2019 12:05 pm Your employer should have some kind of workman's compensation policy. Speak to HR, and document everything
You're right, I should speak to HR, just didn't want to come across as if I am trying to take advantage of the company.
User avatar
RickBoglehead
Posts: 5608
Joined: Wed Feb 14, 2018 9:10 am
Location: In a house

Re: Injured at work, should I bill my employer?

Post by RickBoglehead »

This is clearly something that workmen's comp is designed to handle, and they should have been all over it. Go back to them. It has nothing to do with negligence - if you are injured on the job, that's what their workmen's compensation insurance is for.
Avid user of forums on variety of interests-financial, home brewing, F-150, PHEV, home repair, etc. Enjoy learning & passing on knowledge. It's PRINCIPAL, not PRINCIPLE. I ADVISE you to seek ADVICE.
123
Posts: 6535
Joined: Fri Oct 12, 2012 3:55 pm

Re: Injured at work, should I bill my employer?

Post by 123 »

In most states the cost of medical care for work-related injuries is entirely borne by the employer involved. Usually you identify the name of the employer and that it's a work injury and the provider bills the employer directly. The employer, or their insurance, often pays the full "rack rate" for such services so medical providers love workers compensation situations in most states and love to bill the employer directly.

Don't worry about "taking advantage" of the company. The workers compensation laws limit what employers have to pay and often prevent the employee from litigation beyond the remedies provided in the state workers compensation law. There is often little protection for workers who do their jobs diligently yet get injured because the employer was trying to save money by understaffing or failing to establish and enfore safety protocols. Someone who was a contractor for the same company may have a lot more legal options.
The closest helping hand is at the end of your own arm.
chevca
Posts: 3473
Joined: Wed Jul 26, 2017 11:22 am

Re: Injured at work, should I bill my employer?

Post by chevca »

tony5412 wrote: Thu Dec 19, 2019 12:12 pm
jpelder wrote: Thu Dec 19, 2019 12:05 pm Your employer should have some kind of workman's compensation policy. Speak to HR, and document everything
You're right, I should speak to HR, just didn't want to come across as if I am trying to take advantage of the company.
I admire your morals and ethics here. But, you're not taking advantage nor pushing anything at work. The accident happened at work. Work covers that sort of thing. As others have said workers comp, L&I, and all came about just for this sort of thing. This sort of thing is what its all there for. Go through your employer.
anonenigma
Posts: 814
Joined: Thu Apr 21, 2011 11:58 pm

Re: Injured at work, should I bill my employer?

Post by anonenigma »

Perhaps more to the point, your insurance will not cover accidents/injuries incurred at work. You have no choice but to file workers comp unless you want to pay everything yourself.
michaeljc70
Posts: 7271
Joined: Thu Oct 15, 2015 3:53 pm

Re: Injured at work, should I bill my employer?

Post by michaeljc70 »

For $250, I wouldn't. Unless there is a chance that this injury could lead to something more serious. It is just not worth the effort and potential stigma it could bring.
Katietsu
Posts: 4099
Joined: Sun Sep 22, 2013 1:48 am

Re: Injured at work, should I bill my employer?

Post by Katietsu »

The way the workmen comp rules and health insurance rules work, you should have the company pay. And no reasonable employer would hold this against you. If you started to claim questionable additional expenses, that might raise an eyebrow. Or if you have had other workmen comp claims, that could be a red flag.
fru-gal
Posts: 1590
Joined: Wed Jan 02, 2019 9:48 pm
Location: New England

Re: Injured at work, should I bill my employer?

Post by fru-gal »

michaeljc70 wrote: Thu Dec 19, 2019 12:33 pm For $250, I wouldn't. Unless there is a chance that this injury could lead to something more serious. It is just not worth the effort and potential stigma it could bring.
What stigma. This is what worker's comp is for.

Trot over to hr, say you heard workers comp would pay the bills, and go from there.
DesertDiva
Posts: 973
Joined: Thu Mar 01, 2018 12:49 pm
Location: In the desert

Re: Injured at work, should I bill my employer?

Post by DesertDiva »

anonenigma wrote: Thu Dec 19, 2019 12:30 pm Perhaps more to the point, your insurance will not cover accidents/injuries incurred at work. You have no choice but to file workers comp unless you want to pay everything yourself.
+1
surveyor
Posts: 304
Joined: Thu Dec 18, 2008 8:05 am

Re: Injured at work, should I bill my employer?

Post by surveyor »

As an employer, I want you to do this through workman's comp. The exact injury and remedy is documented.
HomeStretch
Posts: 5194
Joined: Thu Dec 27, 2018 3:06 pm

Re: Injured at work, should I bill my employer?

Post by HomeStretch »

Agree with other posts that you should follow-up on your work place incident report with your HR group to make HR aware of the medical claims and how you should be reimbursed for any out-of-pocket costs.

Your employer should have already reported this incident report to their insurer and should cover your medical expenses under their worker’s compensation coverage. For any medical payments you have already made, you likely will receive a letter from your health insurer asking whether the injury was received in a workplace (or vehicle) incident. If so, the health insurer will pursue reimbursement from your company’s worker’s compensation insurer.
User avatar
RickBoglehead
Posts: 5608
Joined: Wed Feb 14, 2018 9:10 am
Location: In a house

Re: Injured at work, should I bill my employer?

Post by RickBoglehead »

michaeljc70 wrote: Thu Dec 19, 2019 12:33 pm For $250, I wouldn't. Unless there is a chance that this injury could lead to something more serious. It is just not worth the effort and potential stigma it could bring.
This is really bad advice. Workmen's compensation protects the company and the worker. There is no "stigma", and comments like this are inappropriate.
Avid user of forums on variety of interests-financial, home brewing, F-150, PHEV, home repair, etc. Enjoy learning & passing on knowledge. It's PRINCIPAL, not PRINCIPLE. I ADVISE you to seek ADVICE.
TropikThunder
Posts: 2604
Joined: Sun Apr 03, 2016 5:41 pm

Re: Injured at work, should I bill my employer?

Post by TropikThunder »

surveyor wrote: Thu Dec 19, 2019 12:43 pm As an employer, I want you to do this through workman's comp. The exact injury and remedy is documented.
And it (appropriately) limits future liability in cases where the injured worker is somewhat less noble than the OP.
michaeljc70
Posts: 7271
Joined: Thu Oct 15, 2015 3:53 pm

Re: Injured at work, should I bill my employer?

Post by michaeljc70 »

RickBoglehead wrote: Thu Dec 19, 2019 12:58 pm
michaeljc70 wrote: Thu Dec 19, 2019 12:33 pm For $250, I wouldn't. Unless there is a chance that this injury could lead to something more serious. It is just not worth the effort and potential stigma it could bring.
This is really bad advice. Workmen's compensation protects the company and the worker. There is no "stigma", and comments like this are inappropriate.
I think you are being naive and ignoring small employers and human nature. There are lawsuits for retaliation all the time. Of course it is illegal to retaliate in most states.
Last edited by michaeljc70 on Thu Dec 19, 2019 1:06 pm, edited 1 time in total.
BlueCable
Posts: 340
Joined: Fri Jun 17, 2016 9:20 am

Re: Injured at work, should I bill my employer?

Post by BlueCable »

This absolutely needs to be filled for Workman's Comp.
Gnirk
Posts: 1343
Joined: Sun Sep 09, 2012 3:11 am
Location: Western Washington

Re: Injured at work, should I bill my employer?

Post by Gnirk »

This is definitely a Workman's Comp claim, and those bills should all be covered as long as you reported it to your employer. I'm surprised the hospital didn't ask you to complete forms claiming Workman's Comp. Although things may have changed regarding the forms since I was in the workforce .
Topic Author
tony5412
Posts: 509
Joined: Wed Aug 27, 2014 12:09 am

Re: Injured at work, should I bill my employer?

Post by tony5412 »

michaeljc70 wrote: Thu Dec 19, 2019 1:05 pm
RickBoglehead wrote: Thu Dec 19, 2019 12:58 pm
michaeljc70 wrote: Thu Dec 19, 2019 12:33 pm For $250, I wouldn't. Unless there is a chance that this injury could lead to something more serious. It is just not worth the effort and potential stigma it could bring.
This is really bad advice. Workmen's compensation protects the company and the worker. There is no "stigma", and comments like this are inappropriate.
I think you are being naive and ignoring small employers and human nature. There are lawsuits for retaliation all the time. Of course it is illegal to retaliate in most states.
I was thinking along the same lines. For the record, it's a large corporation and not a small company.
Topic Author
tony5412
Posts: 509
Joined: Wed Aug 27, 2014 12:09 am

Re: Injured at work, should I bill my employer?

Post by tony5412 »

Gnirk wrote: Thu Dec 19, 2019 1:24 pm This is definitely a Workman's Comp claim, and those bills should all be covered as long as you reported it to your employer. I'm surprised the hospital didn't ask you to complete forms claiming Workman's Comp. Although things may have changed regarding the forms since I was in the workforce .
One thing I noticed is that the original number on the bill was like $1100, and there was a $900 "non-insurance discount" applied, even though I did give the ER my insurance information.
Topic Author
tony5412
Posts: 509
Joined: Wed Aug 27, 2014 12:09 am

Re: Injured at work, should I bill my employer?

Post by tony5412 »

Thanks for the replies. I don't feel so bad now. This was my first work-related injury so I wasn't sure how to handle.
Big Jim24
Posts: 33
Joined: Sun Oct 13, 2019 2:12 pm

Re: Injured at work, should I bill my employer?

Post by Big Jim24 »

Workers' Comp insurance coverage varies by state. In most states (of not all), it's no-fault. File a claim, and you should get reimbursed. The process is pretty simple for what you have.

What state are you in?
Mr. Rumples
Posts: 1077
Joined: Sun Aug 25, 2019 7:16 am

Re: Injured at work, should I bill my employer?

Post by Mr. Rumples »

State laws are very specific about what to do and can vary and might change from year to year. You have an obligation as does your employer. You can find your state's worker's compensation agency/commission by googling it. Here is what the Va. Workers Compensation Commission (Commission) requires:

http://www.vwc.state.va.us/sites/defaul ... -Guide.pdf

Note that in Va., not sure about other states, the employer and employee must by law notify the Commission. If the employee doesn't, the employee looses benefits. The employer who is notified of an injury but doesn't notify the Commission faces a penalty of $250 per day it goes unreported with a maximum fine of $50,000. Most injuries are covered, even "freak" accidents caused by negligence or strange events, though some might not be. (I can clearly recall an employee slashing his wrists in the restroom, that was not covered, albeit it was reported; it was paid for by his health insurance.)

For an employer, this is par for the course and part of owning and operating a business. These laws have been on the books for a century now.

They should have advised you of what to do and really its not up to you or them to determine their liability, that's what the Commission is for - at least in Va.
Last edited by Mr. Rumples on Sat Dec 21, 2019 11:51 am, edited 6 times in total.
adamthesmythe
Posts: 3851
Joined: Mon Sep 22, 2014 4:47 pm

Re: Injured at work, should I bill my employer?

Post by adamthesmythe »

BarbBrooklyn wrote: Thu Dec 19, 2019 12:05 pm I think you need to file a worker's comp claim. Hospital should bill employer's worker's comp policy.
Workmen's comp, and working through the system at your employer, is the way you "ask" for compensation.
User avatar
Watty
Posts: 20947
Joined: Wed Oct 10, 2007 3:55 pm

Re: Injured at work, should I bill my employer?

Post by Watty »

You did the right thing by reporting it and documenting it with your employer. One potential problem is that what seems like a minor injury that might only need a few stitches could have complications like an infection or nerve damage. Trying to report that a few months after the accident could be difficult since the employer(and their lawyers and insurance company) could claim the the injury happened off the job and frankly there are people that would try to do that to make a bogus workmans comp claim.

When you went to the ER one of the forms likely asked if it was work related which you should have answered as "yes".

A likely result will be that your normal insurance will not pay their part and tell you to file a workman's comp claim. I have heard of this happening even when there was a significant injury.

In the case that I know about it became a mess because the workman comp was a different insurance company that wanted the person to use their doctors once he was out of the hospital. They were were not only sub par but the person could not even get an appointment with one for several weeks which would have made the injury even worse if it was left untreated that long.

I never heard how that was resolved but I suspect that the person had to get a lawyer involved just to get good care once he was out of the ER
MarkerFM
Posts: 465
Joined: Fri Nov 30, 2018 4:18 pm

Re: Injured at work, should I bill my employer?

Post by MarkerFM »

If you had worked for one of my companies (smaller) when I owned them, reporting an accident would result in us paying for your medical bills and giving you time off if needed for minor injuries, but we would avoid doing it through worker's comp. The rates we paid were just ridiculous and any claim would raise them further. Thankfully, we had almost no injuries during the 15 years I owned the companies.
Trader Joe
Posts: 2039
Joined: Fri Apr 25, 2014 6:38 pm

Re: Injured at work, should I bill my employer?

Post by Trader Joe »

tony5412 wrote: Thu Dec 19, 2019 12:01 pm I don't want to get too specific but it required an emergency room visit and stitches. I received a couple of bills (so far) and the total is approximately $250. One bill was actually over $1100 (for emergency eval and services) but I received a large "uninsured discount" of approx $900 even though I do have health insurance. Maybe they did not charge insurance because I told them it happened at work.

Anyway, I have had people tell me I should go to my employer and have them pay for it. I did report the injury to my employer but did not miss any time off of work. Should I push to have them pay for it or just pay it and be done with it? It was just a freak accident and there wasn't any negligence on their end.
Yes, you should continuously communicate with and update your Human Resources department.
toofache32
Posts: 2170
Joined: Sun Mar 04, 2012 6:30 pm

Re: Injured at work, should I bill my employer?

Post by toofache32 »

tony5412 wrote: Thu Dec 19, 2019 1:30 pm
Gnirk wrote: Thu Dec 19, 2019 1:24 pm This is definitely a Workman's Comp claim, and those bills should all be covered as long as you reported it to your employer. I'm surprised the hospital didn't ask you to complete forms claiming Workman's Comp. Although things may have changed regarding the forms since I was in the workforce .
One thing I noticed is that the original number on the bill was like $1100, and there was a $900 "non-insurance discount" applied, even though I did give the ER my insurance information.
Was the facility in-network with your insurance?
fru-gal
Posts: 1590
Joined: Wed Jan 02, 2019 9:48 pm
Location: New England

Re: Injured at work, should I bill my employer?

Post by fru-gal »

michaeljc70 wrote: Thu Dec 19, 2019 1:05 pm
RickBoglehead wrote: Thu Dec 19, 2019 12:58 pm
michaeljc70 wrote: Thu Dec 19, 2019 12:33 pm For $250, I wouldn't. Unless there is a chance that this injury could lead to something more serious. It is just not worth the effort and potential stigma it could bring.
This is really bad advice. Workmen's compensation protects the company and the worker. There is no "stigma", and comments like this are inappropriate.
I think you are being naive and ignoring small employers and human nature. There are lawsuits for retaliation all the time. Of course it is illegal to retaliate in most states.
Do give us an example. I look forward with interest to seeing an article about a employer suing an employee for filing for worker's comp.
smitcat
Posts: 6659
Joined: Mon Nov 07, 2016 10:51 am

Re: Injured at work, should I bill my employer?

Post by smitcat »

michaeljc70 wrote: Thu Dec 19, 2019 1:05 pm
RickBoglehead wrote: Thu Dec 19, 2019 12:58 pm
michaeljc70 wrote: Thu Dec 19, 2019 12:33 pm For $250, I wouldn't. Unless there is a chance that this injury could lead to something more serious. It is just not worth the effort and potential stigma it could bring.
This is really bad advice. Workmen's compensation protects the company and the worker. There is no "stigma", and comments like this are inappropriate.
I think you are being naive and ignoring small employers and human nature. There are lawsuits for retaliation all the time. Of course it is illegal to retaliate in most states.
Agreed - workers comp is exactly for this and the amount of claim in dollars (if any) has nothing to do with it. It is important to follow through with the accident claim previously filed with any medical bills so they can be handled properly.
There is no 'retaliation' with these claims.
michaeljc70
Posts: 7271
Joined: Thu Oct 15, 2015 3:53 pm

Re: Injured at work, should I bill my employer?

Post by michaeljc70 »

fru-gal wrote: Sat Dec 21, 2019 7:05 am
michaeljc70 wrote: Thu Dec 19, 2019 1:05 pm
RickBoglehead wrote: Thu Dec 19, 2019 12:58 pm
michaeljc70 wrote: Thu Dec 19, 2019 12:33 pm For $250, I wouldn't. Unless there is a chance that this injury could lead to something more serious. It is just not worth the effort and potential stigma it could bring.
This is really bad advice. Workmen's compensation protects the company and the worker. There is no "stigma", and comments like this are inappropriate.
I think you are being naive and ignoring small employers and human nature. There are lawsuits for retaliation all the time. Of course it is illegal to retaliate in most states.
Do give us an example. I look forward with interest to seeing an article about a employer suing an employee for filing for worker's comp.
That's the opposite of what I said. The employer discriminates against the employee that filed by firing them, not promoting them, smaller raises, different duties, not following doctors orders after the incident to adjust duties, etc. If you Google "lawsuit workers compensation retaliation" you will get over a million hits.

Given additional information from the OP that this is a large employer and the nature of the claim I wouldn't be worried about filing. Worker's comp costs can kill a Mom and Pop business and often the employer would rather pay a small claim (like the $250 in this case) rather than file a claim. I am surprised that people cannot put themselves in that situation. If I have a small thing with my house or car I don't run and file a claim even though "that is what the insurance is there for".
Mr. Rumples
Posts: 1077
Joined: Sun Aug 25, 2019 7:16 am

Re: Injured at work, should I bill my employer?

Post by Mr. Rumples »

In Virginia (Code Section 65.2 - 101 et. seq.) all worker's comp. claims must be reported to the Commission. The penalty for not doing so is $250 day day after the employer is notified with a maximum penalty of $50,000. In Virginia, not sure about other states, once the claim is filed, the employer is immune from civil suits resulting from the incident; the employer doesn't have to worry about the employee coming back later saying they are disabled. The benefit to employees is various, but one is that the benefit is immune from creditors except for child support.

An employer needs to be very careful. Not filing might be considered fraud which raises the risk of audits from various federal and state agencies. Over 30 states have fraud units investigating worker's comp. Employer fraud can range from having health insurance pick up a claim instead of workman's comp. to laying off the injured employee, not submitting the claim and so forth. Of course, employee fraud is an issue too, we had a manager who had an approved claim, think it was her back, but was seen by an investigator working at a convenience store on the night shift. She was fired and I assume, but not sure the benefits were reclaimed by the Commonwealth.
littlebird
Posts: 1663
Joined: Sat Apr 10, 2010 6:05 pm
Location: Valley of the Sun, AZ

Re: Injured at work, should I bill my employer?

Post by littlebird »

Mr. Rumples wrote: Sat Dec 21, 2019 12:00 pm

In Virginia, not sure about other states, once the claim is filed, the employer is immune from civil suits resulting from the incident.
Yes. This - in addition to compensating employees for injury - is one of the purposes of Worker’s Compensation laws. Not following them leaves the employer vulnerable to potential catastrophic liability.
smitcat
Posts: 6659
Joined: Mon Nov 07, 2016 10:51 am

Re: Injured at work, should I bill my employer?

Post by smitcat »

michaeljc70 wrote: Sat Dec 21, 2019 11:39 am
fru-gal wrote: Sat Dec 21, 2019 7:05 am
michaeljc70 wrote: Thu Dec 19, 2019 1:05 pm
RickBoglehead wrote: Thu Dec 19, 2019 12:58 pm
michaeljc70 wrote: Thu Dec 19, 2019 12:33 pm For $250, I wouldn't. Unless there is a chance that this injury could lead to something more serious. It is just not worth the effort and potential stigma it could bring.
This is really bad advice. Workmen's compensation protects the company and the worker. There is no "stigma", and comments like this are inappropriate.
I think you are being naive and ignoring small employers and human nature. There are lawsuits for retaliation all the time. Of course it is illegal to retaliate in most states.
Do give us an example. I look forward with interest to seeing an article about a employer suing an employee for filing for worker's comp.
That's the opposite of what I said. The employer discriminates against the employee that filed by firing them, not promoting them, smaller raises, different duties, not following doctors orders after the incident to adjust duties, etc. If you Google "lawsuit workers compensation retaliation" you will get over a million hits.

Given additional information from the OP that this is a large employer and the nature of the claim I wouldn't be worried about filing. Worker's comp costs can kill a Mom and Pop business and often the employer would rather pay a small claim (like the $250 in this case) rather than file a claim. I am surprised that people cannot put themselves in that situation. If I have a small thing with my house or car I don't run and file a claim even though "that is what the insurance is there for".
"Worker's comp costs can kill a Mom and Pop business and often the employer would rather pay a small claim (like the $250 in this case) rather than file a claim. I am surprised that people cannot put themselves in that situation."
We are a small business and that is the last thing we would do - I am surprised that anyone would think any other way.
TBillT
Posts: 855
Joined: Sat Sep 17, 2011 1:43 pm

Re: Injured at work, should I bill my employer?

Post by TBillT »

A couple issues here.

I worked for big company under OSHA scrutinty and all accidents no matter how minor (paper cuts) basically had to be reported. No wiggle room.

Also though ( I fell once on my community jog path) and I submiited Xrays to my insurance comany, They asked me if this happened on somene elses property, and I had to say by gosh yes it did. So the HOA paid the bills in the end, and the cause was probably some lack of maintenance of the jog path.
Topic Author
tony5412
Posts: 509
Joined: Wed Aug 27, 2014 12:09 am

Re: Injured at work, should I bill my employer?

Post by tony5412 »

Mr. Rumples wrote: Thu Dec 19, 2019 1:58 pm They should have advised you of what to do and really its not up to you or them to determine their liability, that's what the Commission is for - at least in Va.
They did not. I was asked to complete and accident report but was not told where to go from there. I will need to reach out to HR.
Topic Author
tony5412
Posts: 509
Joined: Wed Aug 27, 2014 12:09 am

Re: Injured at work, should I bill my employer?

Post by tony5412 »

I received a statement the other day form the health insurance company. They received the hospital bill and fully paid it.

The bill I received previously were from the doctor who was there at the time. They did not turn it into my insurance company. They did discount it heavily but I am still on the hook for 250 or so. So not only would worker's comp need to pay this but I guess they would also need to reimburse my health insurance company.
User avatar
jhfenton
Posts: 4670
Joined: Sat Feb 07, 2015 11:17 am
Location: Ohio

Re: Injured at work, should I bill my employer?

Post by jhfenton »

tony5412 wrote: Thu Dec 19, 2019 1:29 pm I was thinking along the same lines. For the record, it's a large corporation and not a small company.
I work for a mini-megacorp (S&P 600 company). We are self-insured for WC, and we are self-insured for health insurance. (There are backstops for catastrophic expenses.) Other than the exact paperwork involved, and the exact routing of payments, there is going to be no significant difference in cost to the company if you file a WC claim.

But it should definitely go through as a WC claim. I'm surprised it wasn't automatically steered in that direction after you reported the incident.
User avatar
Geneyus
Posts: 322
Joined: Fri Jan 01, 2016 11:49 pm

Re: Injured at work, should I bill my employer?

Post by Geneyus »

tony5412 wrote: Thu Dec 19, 2019 12:10 pm
Shallowpockets wrote: Thu Dec 19, 2019 12:08 pm If it happened on the job, there must be some sort of reporting form. Am incident report.
When you went to the ER you should have had info from your employer on how to report it to the ER and have it billed that way.
I did fill out an incident report but they didn't give me any info regarding that.
If it was a work-related injury that required treatment at a third party facility, it is an OSHA recordable injury. The employer is required to provide you a copy of the injury report upon request. I just completed my OSHA 30 training.

It's great that you aren't the kind of person who wants to sue, but you should politely mention your medical bills and have them pay them.
HomeStretch
Posts: 5194
Joined: Thu Dec 27, 2018 3:06 pm

Re: Injured at work, should I bill my employer?

Post by HomeStretch »

tony5412 wrote: Sun Dec 22, 2019 12:38 pm I received a statement the other day form the health insurance company. They received the hospital bill and fully paid it.

The bill I received previously were from the doctor who was there at the time. They did not turn it into my insurance company. They did discount it heavily but I am still on the hook for 250 or so. So not only would worker's comp need to pay this but I guess they would also need to reimburse my health insurance company.
No need to guess. Don’t pay anything. Take the bills to your HR group.
anonenigma
Posts: 814
Joined: Thu Apr 21, 2011 11:58 pm

Re: Injured at work, should I bill my employer?

Post by anonenigma »

tony5412 wrote: Sun Dec 22, 2019 12:38 pm I received a statement the other day form the health insurance company. They received the hospital bill and fully paid it.

The bill I received previously were from the doctor who was there at the time. They did not turn it into my insurance company. They did discount it heavily but I am still on the hook for 250 or so. So not only would worker's comp need to pay this but I guess they would also need to reimburse my health insurance company.
Don't put yourself in the position of lying to your insurance company - they do send out queries about whether the injury happened at work.

Workers Comp needs to reimburse both you and the insurance company. Reimbursement of the insurance company is called subrogation.

Just went through this with my wife, who had a slip and fall at airport returning from a work trip.
Mr. Rumples
Posts: 1077
Joined: Sun Aug 25, 2019 7:16 am

Re: Injured at work, should I bill my employer?

Post by Mr. Rumples »

tony5412 wrote: Sun Dec 22, 2019 12:35 pm
Mr. Rumples wrote: Thu Dec 19, 2019 1:58 pm They should have advised you of what to do and really its not up to you or them to determine their liability, that's what the Commission is for - at least in Va.
They did not. I was asked to complete and accident report but was not told where to go from there. I will need to reach out to HR.
Every state is different. In Va. they are required to post this information. I see from the poster that the process has changed in the 10 years I was an administrator:

http://www.vec.virginia.gov/employers/R ... -Employers

http://www.workcomp.virginia.gov/sites/ ... rm-1_0.pdf
fuddbogle
Posts: 58
Joined: Fri Jun 21, 2019 8:35 am

Re: Injured at work, should I bill my employer?

Post by fuddbogle »

tony5412 wrote: Thu Dec 19, 2019 12:01 pm I don't want to get too specific but it required an emergency room visit and stitches. I received a couple of bills (so far) and the total is approximately $250. One bill was actually over $1100 (for emergency eval and services) but I received a large "uninsured discount" of approx $900 even though I do have health insurance. Maybe they did not charge insurance because I told them it happened at work.

Anyway, I have had people tell me I should go to my employer and have them pay for it. I did report the injury to my employer but did not miss any time off of work. Should I push to have them pay for it or just pay it and be done with it? It was just a freak accident and there wasn't any negligence on their end.
I wish I would have seen this earlier, I've been in Safety/WC at the employer level for 25-years in a few different states.

Given you went to the ER, it's not uncommon for them to botch the billing. I get 5-10 a year where it's for a person I have no idea who it is or for a temp that is working at one of our locations. ER's do emergency treatment and for whatever reason, billing is tough for them to do correctly.

Simply visit your HR or Safety dept and find out if a work comp claim has been filed. It likely has, although you said you are in a large corp, they may be self-insured. Either way they should give you the proper information and then take the billing from you, work with the WC carrier (or their internal system) to get this taken care of. This happens. As a matter of fact, reading this, I remembered I owed a WC claim number to a medical provider I forget to send last week, so I got that sent off this morning, thanks :oops:

If you have any other issues, keep them coming. Your claim is quite simple and not all that uncommon for billing to get botched.
User avatar
dm200
Posts: 23148
Joined: Mon Feb 26, 2007 2:21 pm
Location: Washington DC area

Re: Injured at work, should I bill my employer?

Post by dm200 »

tony5412 wrote: Thu Dec 19, 2019 12:01 pm I don't want to get too specific but it required an emergency room visit and stitches. I received a couple of bills (so far) and the total is approximately $250. One bill was actually over $1100 (for emergency eval and services) but I received a large "uninsured discount" of approx $900 even though I do have health insurance. Maybe they did not charge insurance because I told them it happened at work.
Anyway, I have had people tell me I should go to my employer and have them pay for it. I did report the injury to my employer but did not miss any time off of work. Should I push to have them pay for it or just pay it and be done with it? It was just a freak accident and there wasn't any negligence on their end.
Seems to me this is workers compensation. I never had such an injury, but several coworkers over the years - none serious injuries.

Years ago, in the days of punch cards and BIG computer printouts, a programmer I worked with twisted his wrist opening a big printout listing at his desk. The Megacorp employer insisted that this be handled as a workers compensation claim.
User avatar
dm200
Posts: 23148
Joined: Mon Feb 26, 2007 2:21 pm
Location: Washington DC area

Re: Injured at work, should I bill my employer?

Post by dm200 »

tony5412 wrote: Thu Dec 19, 2019 12:01 pm I don't want to get too specific but it required an emergency room visit and stitches. I received a couple of bills (so far) and the total is approximately $250. One bill was actually over $1100 (for emergency eval and services) but I received a large "uninsured discount" of approx $900 even though I do have health insurance. Maybe they did not charge insurance because I told them it happened at work.

Anyway, I have had people tell me I should go to my employer and have them pay for it. I did report the injury to my employer but did not miss any time off of work. Should I push to have them pay for it or just pay it and be done with it? It was just a freak accident and there wasn't any negligence on their end.
Why would you pay as "uninsured" when you have insurance??

I suspect that the $1,100 bill would be much less if insurance was used.
User avatar
SmileyFace
Posts: 6058
Joined: Wed Feb 19, 2014 10:11 am

Re: Injured at work, should I bill my employer?

Post by SmileyFace »

I am confused as to why you didn't go through your health insurance.
I would have simply gone through my health insurance and then ask my employer to pay all deductibles/co-pays/etc. If you want to tell your health insurance that this happened at work they can then work it out with your employer's workman's comp insurer on who should ultimately pay - but that's between them - not you.
Post Reply