A common question I have received as a worker’s compensation attorney is:
If I have my own health insurance do I have to even bother with providing notice to my employer that I was injured on the job?
Answer: You do have to notify your employer if you want your expenses paid by the worker’s compensation insurance carrier. Many times, you are entitled to benefits other than medical expenses and if you do not report the injury you would not be entitled to those additional benefits. Those benefits can be temporary partial or temporary total disability benefits as well as permanent partial and sometimes even permanent total disability benefits. These benefits can be tens if not into the hundreds of thousands of dollars. Without notifying your employer of your injury you could be losing the right to those additional benefits above and beyond your medical expenses even if you have your own health insurance.