[pattiince]

ok, in doing some research it looks like if the accident is a result of "goofing around" and/or during lunch it is not covered under workers comp. In that case, if medical expenses are incurred it should in theory be covered under medical insurance, wouldn't you agree?

[pattiince]

And indeed this is exactly what happened. My son was racing around on some motorized equipment and went flying off hitting his head. His friend was doing it also at different times but did not get hurt

[California_Help]

I have been sent those type of forms a few times, for non work related injuries.

This topic was discussed on a professional forum and they stated you do not have to file a work comp claim if you do not want to. Some did not agree.

I personally would not want my child in this system. Many times you receive sub-standard medical treatment.

You may be giving up future medical treatment paid by workers compensation, as well as wage replacement if he needs time off of work due to his injury as well as any PD payments if he has any type of permanent brain damage due to that injury....so think about this.

[pattiince]

I thank you for your input. My husband and I are certain that we are not going to file a workers comp claim against my son's employer. I'm hoping that if the insurance views it as non-work related injury than the medical bills will be paid by the medical insurance and that will be the end of it. Please let me know if you think of any other info. that may help us in this situation.

[Timothy Belt]

I would simply add that you do not want to complete these forms in a dishonest manner just to obtain payment of bills through your private health insurer. Providing false or misleading information to obtain coverage could be considered insurance fraud which could have consequences beyond not having a medical bill paid.