Understanding subrogation and the impact on workers’ compensation
In this WorkCompCentral article, “The Work Comp Blind Spot: Subrogation and Health Plan Silos” Win Rawson explains that when employers have both self-funded health plans and workers’ compensation coverage, medical expenses from workplace injuries are sometimes incorrectly paid by the health plan instead of the workers’ comp policy. Rawson argues that stronger subrogation practices and better coordination between administrators are necessary to ensure the correct policy pays claims protect health plan assets, and fulfill fiduciary duties under ERISA
Effective subrogation isn’t about finger-pointing between the health plan and workers’ compensation program. It’s about protecting the integrity of the employer’s total benefit ecosystem.
Win Rawson, Chief Legal officer