This answer requires research by the agent, but the first thing I look at is the type of health policy the client has. If you are a self-employed or small business owner and have an individual health policy or are on your spouse’s plan, they issued you an individual health policy. You were injured or became sick while working; that possibly is the reason your declined claim. You have given an individual or business health plan. Workman’s comp is not a requirement in all states.