HELP! Who can shed some light about this dilema??? Can anyone tell me what's the difference of having a work-related illness/injury covered under workers comp versus, not reporting it, and taking care of it on your own, with your own medical insurance? What I'm basically trying to get at is what are the pros and cons of each option. A couple of friends at work told me that they got their work-related illnesses taken care "out of pocket" (no claim filed), due to: 1) workers comp claims limited to company-appointed doctors only, and 2) those company doctors usually try to rush the employee back to work. Is it true that under workers comp you cannot decline TRW in the event the doctor releases you to return to work with limitations? As far as loss of income benefit, I was told it represents exactly the same money amount regardless which route taken. I might be wrong, but I feel that if one get hurt on the job it should be reported and always go the workers comp way, especially if the illness is serious enough and there is a slight possibility one might end up unable to return to the same position or in the worse case scenario, disable for life. Also, (and someone please correct me if I'm wrong), I think that if a lawsuit against the company eventually becomes necessary for that injury or illness, there has to be a workers compensation case on file first. I do appreciate all responces and input .