CARCContractual Obligation

CARC 19: Claim denied because this is a work-related injury/illness and thus the liability of the Worker's Compensation Carrier

The insurer says this injury or illness should be covered by workers' compensation, not your health plan.

What this means for your claim

If your injury or illness occurred at work, your employer's workers' comp carrier is the primary payer. Your health insurer can deny the claim on this basis.

What to do next

  1. 1

    If the injury was genuinely work-related, file a workers' compensation claim with your employer's carrier.

  2. 2

    If the injury was not work-related, contact your health insurer to dispute the classification with a written explanation.

  3. 3

    Your provider can submit a corrected claim with documentation confirming this was not a work-related incident.

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