Workers’ Insurance in the United States
Due to the complicated political situation that currently exists in the United States, which caused a social and cultural clash among members of the population, the ICE raids have increased with the aim of arresting millions of people who live and work in the nation without papers, to deport them to their countries of origin.
This radical measure is damaging companies that insure employees of companies against work accidents, personal injuries, and traffic accidents due to the possibility that their expenses increase, having to pay more money in final workers’ compensation checks to millions of insured persons who had to leave without having the opportunity to rehabilitate them.
Here we share the reasons why insurers would have to increase workers’ compensation:
1. The workers would not be able to take rehabilitation courses necessary to learn other trades that will help them to rejoin the labor market. This would force the companies to continue paying the total compensation check for disability, and without being able to reduce the percentage of the complementary disability if the employees worked elsewhere.
2. The workers would not be able to continue their medical treatment with doctors in the country specialized in rehabilitation, which would make insurance companies pay more for employees to cover their medical expenses abroad.
3. Due to the fact that the workers would need to get medical treatment abroad, there is a possibility that doctors report situations that are not true, and insurance companies would not have the possibility to corroborate the medical report, which would make them pay employees longer than they should by law.
For these reasons, it is better for workers to stay in the country and not be afraid to report their case in the event of an accident at work, personal injury or car accident that they may have suffered.
These cases are legally taken in state courts and not in the federal courts, and they do not share information about the immigration status of people between them.
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