{"id":1625,"date":"2022-09-09T09:15:00","date_gmt":"2022-09-09T09:15:00","guid":{"rendered":"https:\/\/aldlawfirm.com\/?p=1625"},"modified":"2025-12-18T09:18:26","modified_gmt":"2025-12-18T09:18:26","slug":"por-que-no-deberias-usar-el-seguro-medico-para-una-lesion-laboral","status":"publish","type":"post","link":"https:\/\/aldlawfirm.com\/es\/blog\/why-you-shouldnt-use-health-insurance-for-a-work-injury\/","title":{"rendered":"Por qu\u00e9 no debes usar el seguro m\u00e9dico para una lesi\u00f3n laboral"},"content":{"rendered":"<p>Quiz\u00e1s te ca\u00edste de una escalera mientras limpiabas el polvo de un expositor y acabaste con una conmoci\u00f3n cerebral, o tal vez uno de tus compa\u00f1eros de trabajo te pas\u00f3 accidentalmente por encima del pie con un veh\u00edculo de la empresa y te rompi\u00f3 dos huesos. Cuando te lesionas en el trabajo, las lesiones que sufres pueden requerir atenci\u00f3n m\u00e9dica de urgencia y, posiblemente, un tratamiento prolongado.<\/p>\n<p>Especialmente si ya cuenta con una buena p\u00f3liza de seguro m\u00e9dico proporcionada por su empleador, es posible que se pregunte si realmente es necesario presentar una reclamaci\u00f3n de indemnizaci\u00f3n laboral. Quiz\u00e1s le preocupe llamar la atenci\u00f3n sobre el incidente en el que se lesion\u00f3 o molestar a su empleador al solicitar prestaciones.<\/p>\n<p>Sin embargo, tu empleador no debe tomar represalias contra ti por solicitar la indemnizaci\u00f3n por accidente laboral. Al contrario, debe colaborar contigo para brindarte apoyo hasta que te recuperes por completo. Hay dos razones de peso para recurrir a la cobertura de indemnizaci\u00f3n por accidente laboral en lugar de utilizar el seguro m\u00e9dico en caso de una lesi\u00f3n laboral.<\/p>\n<h3>No tendr\u00e1s que pagar nada de tu bolsillo<\/h3>\n<p>En la vida nada es gratis, especialmente la atenci\u00f3n m\u00e9dica que recibas a trav\u00e9s de tu p\u00f3liza de seguro m\u00e9dico personal. Las p\u00f3lizas de seguro m\u00e9dico suelen incluir una franquicia. Tendr\u00e1s que pagar miles de d\u00f3lares de tu bolsillo antes de que el tratamiento que recibas cuente con la cobertura total del seguro.<\/p>\n<p>Es posible que tambi\u00e9n tenga que pagar un copago por cada consulta m\u00e9dica, sesi\u00f3n de fisioterapia o medicamento que recoja en la farmacia. Adem\u00e1s, podr\u00eda haber un coseguro, lo que significa que usted deber\u00e1 hacerse cargo de un porcentaje fijo del costo total de la atenci\u00f3n. El seguro de accidentes de trabajo no le impondr\u00e1 ninguno de estos costos, sino que se har\u00e1 cargo de <a href=\"https:\/\/www.dli.pa.gov\/Individuals\/Workers-Compensation\/publications\/Pages\/LIBC-100-WC--The-Injured-Worker-Pamphlet.aspx#whatcovered\" target=\"_blank\">toda tu atenci\u00f3n m\u00e9dica<\/a>, desde la cirug\u00eda hasta los medicamentos recetados.<\/p>\n<h3>Puedes recibir prestaciones por discapacidad<\/h3>\n<p>Quiz\u00e1s necesites tomarte unas semanas de baja laboral para que tus huesos se curen, o tal vez debas cambiarte a un puesto con un salario m\u00e1s bajo que no agrave tus lesiones. La indemnizaci\u00f3n por accidente laboral puede proporcionarte prestaciones por incapacidad total si no puedes trabajar, o prestaciones por incapacidad parcial cuando no puedas ganar el mismo salario que ganabas antes de tu diagn\u00f3stico.<\/p>\n<p>Presentar una <a href=\"https:\/\/aldlawfirm.com\/es\/abogado-especializado-en-indemnizaciones-laborales-en-pittsburgh\/\">solicitud de indemnizaci\u00f3n por accidente laboral<\/a> te ayudar\u00e1 a reducir al m\u00ednimo los gastos econ\u00f3micos que tengas que afrontar por haber sufrido un accidente laboral.<\/p>","protected":false},"excerpt":{"rendered":"<p>Maybe you fell off of a ladder while dusting a display and ended up with a concussion, or perhaps one of your co-workers accidentally backed over your foot in a company vehicle and broke two of your bones. When you get hurt at work, the injuries that you suffer can require emergency medical care and [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1627,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[20],"tags":[],"class_list":["post-1625","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-workers-compensation"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Why You Shouldn\u2019t Use Health Insurance for a Work Injury - Ainsman Levine<\/title>\n<meta name=\"description\" content=\"Maybe you fell off of a ladder while dusting a display and ended up with a concussion, or perhaps one of your co-workers accidentally backed over your foot in a company vehicle and broke two of your bones. When you get hurt at work, the injuries that you suffer can require emergency medical care and\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/aldlawfirm.com\/es\/blog\/por-que-no-deberias-usar-el-seguro-medico-para-una-lesion-laboral\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Why You Shouldn\u2019t Use Health Insurance for a Work Injury - Ainsman Levine\" \/>\n<meta property=\"og:description\" content=\"Maybe you fell off of a ladder while dusting a display and ended up with a concussion, or perhaps one of your co-workers accidentally backed over your foot in a company vehicle and broke two of your bones. When you get hurt at work, the injuries that you suffer can require emergency medical care and\" \/>\n<meta property=\"og:url\" content=\"https:\/\/aldlawfirm.com\/es\/blog\/por-que-no-deberias-usar-el-seguro-medico-para-una-lesion-laboral\/\" \/>\n<meta property=\"og:site_name\" content=\"Ainsman Levine, LLC\" \/>\n<meta property=\"article:publisher\" content=\"http:\/\/facebook.com\/AinsmanLevineLLC\/\" \/>\n<meta property=\"article:author\" content=\"http:\/\/facebook.com\/AinsmanLevineLLC\/\" \/>\n<meta property=\"article:published_time\" content=\"2022-09-09T09:15:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-12-18T09:18:26+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/aldlawfirm.com\/wp-content\/uploads\/2025\/12\/use-health-insurance-for-a-work-injury-images.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"850\" \/>\n\t<meta property=\"og:image:height\" content=\"415\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"Richard C. 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Levine","image":{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/secure.gravatar.com\/avatar\/c7931f99933cd2f9dab1d65e70eec4753c472c94d749fce0d7fd4049dd6b3266?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/c7931f99933cd2f9dab1d65e70eec4753c472c94d749fce0d7fd4049dd6b3266?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/c7931f99933cd2f9dab1d65e70eec4753c472c94d749fce0d7fd4049dd6b3266?s=96&d=mm&r=g","caption":"Richard C. Levine"},"description":"Richard C. Levine es el fundador de Ainsman Levine, LLC en Pittsburgh, Pensilvania. Con 30 a\u00f1os de experiencia en el \u00e1mbito jur\u00eddico, se especializa en casos de lesiones personales, indemnizaci\u00f3n laboral, negligencia m\u00e9dica y lesiones catastr\u00f3ficas. Su pr\u00e1ctica tambi\u00e9n abarca casos de muerte por negligencia, responsabilidad civil por las instalaciones, productos defectuosos y una amplia gama de reclamaciones por accidentes. 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