GREENVILLE, South Carolina. More and more Americans are getting priced out of health insurance coverage. Many states have an income threshold, after which, individuals no longer qualify for government health insurance subsidies. In most areas, this threshold hovers at around $48,000. For many Americans, these subsidies are an important lifeline to affordable health insurance. Without them, many families run the risk of losing coverage. When Americans lose these subsidies, they can find themselves paying full price for health insurance coverage. In many areas, the cost of this coverage is quite expensive.
According to the New York Times, the average health insurance plan rose by approximately 20 percent, last year alone. According to the Times, as many as one million people may have been priced out of health insurance due to these price increases. Recent actions by the Trump administration are likely to increase costs further. People can now buy short-term plans and some self-employed people are now permitted to purchase “association plans.” These plans can be cheaper, but they also offer less coverage. As more people purchase these plans to save money, they may leave the insurance marketplace, leaving sicker people in the insurance pool. This can cause insurance rates to increase significantly.
For many individuals who find themselves injured or sick, health insurance can be a financial lifesaver. A good policy can pay your medical costs and for your prescription drugs.
So, what can you do if you find that you have fallen ill or have been injured on the job? In some cases, you may be able to use your worker’s compensation insurance to pay for your medical costs, lost wages, and other expenses. Most workers in South Carolina are protected under Worker’s Compensation. However, in order to qualify for this coverage, your illness or injury must be workplace related.
Under the law, most employers must provide or purchase worker’s compensation insurance for their employees. This coverage can be a lifesaver for workers who suffer injuries or illness on the job.
Not sure if you qualify for worker’s compensation coverage? You can check South Carolina’s database here. Some workers encounter challenges when their employers deny them coverage. What can you do if your employer says you are not covered under worker’s compensation? Consider speaking to your company’s human resources. You also have the right to speak to a qualified worker’s compensation lawyer in Greenville, South Carolina, like Carole Hayes. The aftermath of a workplace injury can be stressful and challenging for all involved. Families may find themselves struggling to make ends meet and workers may need time to heal.
If you or a loved one was hurt on the job, you have rights. Visit the Hayes Law Firm Upstate Attorneys, LLC today to learn more. In some cases, if you are not covered under worker’s compensation, you may be entitled to seek compensation through a personal injury lawsuit. However, if you have worker’s compensation, you are not entitled to pursue a lawsuit. Don’t know which course you should pursue? Contact Carole Hayes at Hayes Law Firm Upstate Attorneys LLC today.
 

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