🩺Workers' Compensation for Foreign Workers

Policy Overview

H-1B, L-1, and other work visa holders have full workers' compensation rights identical to US citizens — here's what to do if you're injured on the job.

Plan Details & Expat Advice

Workers' compensation is a mandatory, employer-funded insurance program in all 50 US states. If you are injured at work or develop an occupational illness (repetitive strain, chemical exposure), you are entitled to: all necessary medical treatment, temporary disability payments while unable to work, permanent disability payments if you sustain lasting impairment, and vocational rehabilitation if you cannot return to your original job. Critical steps after a work injury: (1) Report the injury to your supervisor or HR immediately — most states have strict reporting deadlines (often 30 days). (2) Seek medical care from the employer's designated workers' comp physician first (your employer may direct your care initially). (3) File a workers' comp claim with your employer's HR — they must file with their insurance carrier. Your visa status (H-1B, L-1, TN) does NOT affect your right to claim workers' comp — this is a federally protected right confirmed by courts in all 50 states.

🏥 Navigating the U.S. Healthcare System

For newly arrived expats and international visitors, the United States medical system operates via private insurers, employer-sponsored plans, and independent network provider groups. Understanding terms like deductibles, copayments, coinsurance, and out-of-pocket maximums under ACA rules (45 CFR 156.130) is essential.

❓ Frequently Asked Healthcare Questions