Navigating Travel While on Workers’ Comp

One common question that arises for individuals on workers’ compensation is, "Can I travel while receiving benefits?" It's a valid concern since insurance companies are often wary of any activities that might suggest a claimant's injury isn't as severe as reported. While hitting the road or taking a flight isn't necessarily off-limits, there are important considerations to keep your benefits safe. If you're thinking about traveling, here are some steps to consider before packing your bags.

Medical Appointments Come First

Prioritizing your medical appointments is crucial when you're on workers' comp. Missing scheduled doctor visits or therapy sessions can jeopardize your benefits. It's important to maintain the continuity of your care to support your recovery documentation. If you plan to travel, try to schedule appointments around your trip and communicate with your healthcare providers about alternative arrangements to ensure uninterrupted treatment.

Be Mindful of Surveillance

Insurance companies often keep an eye on claimants through various means, including social media or hiring private investigators. Engaging in activities that could contradict the nature of your reported injuries might lead to conflicts with your claim or, worse, denial of your benefits. Even if your travels are innocent and unrelated to your injury, staying transparent and cautious is the best policy.

Check State-Specific Rules

Workers' comp regulations can differ from state to state. Some places may require you to notify the insurer or even seek approval before you travel. Researching your local laws and your insurance policy's stipulations is vital to avoid any unintended violations that could affect your claim.

Consult a Workers’ Comp Attorney

Before planning any trips, it's wise to consult a workers’ comp attorney. An experienced attorney can provide guidance to ensure you're in compliance with your state's laws and your insurer’s requirements. Legal advice is invaluable to prevent any potential complications with your claim while you're away.

While traveling while on workers’ comp isn't forbidden, it does come with responsibilities and hurdles to ensure your benefits remain protected. Prioritize your medical care, stay informed about state regulations, and seek legal advice when needed. As you consider your travel plans, remember to consult with a workers’ comp attorney to confidently and legally enjoy your time away, knowing your benefits are secure.