Reading through the various postings on Spine-Health I have many times read the words that workmans comp has denied coverage due to "pre-existing conditions". I just read the words and went on about my business.
Suddenly I am struck with the thought that I am probably 1 accident away from having those same words written by me or about me on a medical chart!
Kind of gives me a case of the creeps. with an open medical management file that Human Resources here at work has never processed fully or even called me back about. I wonder exactly where I am standing?
I pay extra for short term disability, but since I have already had the accident and now have those dreadful "pre-existing conditions" Is that coverage worth a darn? Am I playing with fire every day I do work?
I don't really see an option.
Even with firm medical restrictions in place will the answer be the same if I get hurt? Am I wasting $30 a month on insurance that won't pay me when or if I need it?
Am I in danger of having my insurance fighting with workers comp and neither footing the bill? ARG.
I wish I had not thought of these questions, but sure would like an educated opinion...