When an insured is covered by both Workers' Compensation and a group Major Medical plan, which is the primary payor for job-related injuries?

Workers' Compensation is the primary payor for job-related injuries. This is because Workers' Compensation is specifically designed to provide medical benefits and wage loss replacement for employees who are injured on the job, regardless of fault. It ensures that employees receive necessary care and compensation without needing to prove liability, which is integral for a supportive system that protects workers.

In contrast, a group Major Medical plan is intended to cover general medical expenses not related to workplace injuries. Since Workers' Compensation has a defined role in addressing workplace injuries, it takes precedence over the Major Medical plan for these specific claims. Therefore, when someone is injured at work and has coverage through both systems, Workers' Compensation will cover the medical expenses before any costs are claimed through the Major Medical coverage.