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Analysis

The connection between high deductibles and workers' comp claims

Workers who have a high-deductible health plan are more likely to file under workers’ compensation when they're injured.

Worke with back injury Workers who have sustained soft-tissue injuries are even more likely to turn to workers’ comp rather than their own health coverage when deductibles are high. (Photo: Shutterstock)

Workers who are injured on the job may or may not file for workers’ compensation, but among the factors that influence that decision—and tip it toward filing a comp claim—is the level of the deductible in their employer-provided health plan.

That finding comes from a new report from the Workers Compensation Research Institute, which finds that as deductibles rise, employees are more likely to turn to comp claims rather than their own coverage.

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Marlene Satter

Marlene Satter

Marlene Y. Satter has worked in and written about the financial industry for decades.

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