Expected settlement from workman’s comp claim

news

I hope this kind of post is ok to make. Im not expecting definite answers, just hoping for some insight.

June 2020 I had an accident at work that resulted in me need to have surgery and a rod put into the affected bone. Everything went incredibly smoothly. This is the first workman’s comp claim my employer (a local bank) has ever had where they didnt just pay out of pocket. They were easy to work with as was the workman’s comp insurance company.

Surgery went well, I did a few weeks of therapy and if I cant tell a difference between pre-accident and post-op with how the limb functions. The surgeon did tell me, though, that after some time some people will start to have pain cause of the rod and after at least a year the rod can be removed if I need to due to pain.

3 months have passed since everything has ended and the workman’s comp company has contacted me about settlement. I’ve not gotten an attorney involved in anything yet because of how smoothly everything has gone. Im not interested in making these people pay through the nose. I’m just hoping for them to give me enough that if I do need to have the rod removed at some point that the settlement will be enough to cover any bills.

I do have regular health insurance with my workplace and so Id like to assume if the rod needs to be removed per recommendation by my general doctor and the surgeon agrees that my insurance would cover stuff regularly and I would only need to pay what I would expect from a normal claim (OoP is 3k), but Im concerned they may deny it based on the fact that the claim would stem from my workman’s comp claim.

If it matters, Im in IL and my insurance is through BCBS.

Am I just being paranoid or is my regular insurance denying this hypothetical future claim something I should be concerned about?

TL;DR

Am I paranoid in thinking my regular health insurance might deny a claim to remove a rod that was put in on a workman’s comp claim?

Editing:

Age: mid-30s

Zipcode: 62959 is where my employer is based out of

Income: Irrelevant to the question

submitted by /u/SheriffHeckTate
[link] [comments]
I hope this kind of post is ok to make. Im not expecting definite answers, just hoping for some insight. June 2020 I had an accident at work that resulted in me need to have surgery and a rod put into the affected bone. Everything went incredibly smoothly. This is the first workman’s comp claim my employer (a local bank) has ever had where they didnt just pay out of pocket. They were easy to work with as was the workman’s comp insurance company. Surgery went well, I did a few weeks of therapy and if I cant tell a difference between pre-accident and post-op with how the limb functions. The surgeon did tell me, though, that after some time some people will start to have pain cause of the rod and after at least a year the rod can be removed if I need to due to pain. 3 months have passed since everything has ended and the workman’s comp company has contacted me about settlement. I’ve not gotten an attorney involved in anything yet because of how smoothly everything has gone. Im not interested in making these people pay through the nose. I’m just hoping for them to give me enough that if I do need to have the rod removed at some point that the settlement will be enough to cover any bills. I do have regular health insurance with my workplace and so Id like to assume if the rod needs to be removed per recommendation by my general doctor and the surgeon agrees that my insurance would cover stuff regularly and I would only need to pay what I would expect from a normal claim (OoP is 3k), but Im concerned they may deny it based on the fact that the claim would stem from my workman’s comp claim. If it matters, Im in IL and my insurance is through BCBS. Am I just being paranoid or is my regular insurance denying this hypothetical future claim something I should be concerned about? TL;DR Am I paranoid in thinking my regular health insurance might deny a claim to remove a rod that was put in on a workman’s comp claim? Editing: Age: mid-30s Zipcode: 62959 is where my employer is based out of Income: Irrelevant to the question
submitted by /u/SheriffHeckTate [link] [comments]Read Morer/HealthInsurance

Leave a Reply

Your email address will not be published. Required fields are marked *