Change provisions relating to workers' compensation insurance policies and deductibles

Summary

The bill amends the state workers' compensation law to give employers the option to apply a deductible to medical benefits, either a fixed amount per claim ($500‑$2,500) or a percentage of their annual premium (up to 40%, not less than $50,000). Insurers must still pay providers up front and are reimbursed by the employer for the deductible, and any employer-paid deductible is credited toward their experience rating. The measure also protects employees from being charged the deductible or losing their right to choose a physician.

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