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While off work and on workers comp. can employer cancel your family medical ins?

Lawrenceburg, TN |

I have been off work with workers comp. since Dec. 2012. I am receiving my TTD check. I have been paying for my family medical ins. Now my employer says they have dropped my medical ins. and I need to pay for Cobra Ins. for my family. Can they do this?

Attorney Answers 4


  1. See the chart on the attached link. "The following is a list of qualifying events and the maximum number of months that coverage may be extended."


  2. Unfortunately, yes. At present, there is no state in the country that protects your group health insurance.

    If this information has been helpful, please indicate by providing feedback that the answer was either "helpful" or "best answer" as appropriate. Legal Disclaimer: Mr. Candiano is licensed to practice law in Illinois and Indiana. The response herein is not legal advice and does not create an attorney/client relationship. The response is in the form of legal education and is intended to provide general information about the matter within the question.


  3. I suspect the answer is, yes. I am an attorney in Pennsylvania, not in Tennessee. But in most states, there is no obligation for an employer to continue your medical insurance when you are no longer working. The employer must continue to be responsible for any work-related medical bills (i.e. for the medical bills for treatment of the injury you sustained on the job). But they can terminate your regular medical coverage and you would have to pick up the payments through COBRA.

    Legal disclaimer: The comments above by Dale Larrimore, Esq. are provided as general information and not as a legal opinion or legal advice, because all facts are not available. The person requesting information and all others reading the answer should retain an attorney in your state who can examine the complete facts and provide a legal opinion on your case. All information provided in the above answer and other information provided by Dale Larrimore, Esq., of Larrimore & Farnish, LLP, does not create an attorney/client relationship within any state or under Federal law.