One of the most notorious and most significant weapons of the insurance companies is withholding medical care for the injured worker. Suppose they deny the medical claim or only accept an elbow injury, not a shoulder injury. In that case, the employee's lifeline uses group insurance to pay for other body parts that need medical treatment. If the employee wins their case, the group carrier will want its money back. Unfortunately, many group insurance carriers argue they have no obligation to pay since the employee’s complete condition is the responsibility of the workers’ compensation insurance company. It is up to the employee to show that the workers’ compensation insurer negates the claim or parts. While also, at the same time, pay the balance due at settlement. Seek out a law firm that only has its clients pay small amounts of co-pays or deductibles to ensure continuing medical care.