The use of medical marijuana has never been covered by workers' compensation insurance. The laws and terms are being reviewed in many states, including Colorado. The U.S. Justice Department still considers marijuana illegal, which only serves to muddy the issue further with state and federal laws in conflict.
Approximately 20 states and the District of Columbia allow marijuana to be prescribed for medical use. The regulation of marijuana use has been presented in a host of bills nationwide hoping to engage the workers' comp plans to cover the cost. Yet, many insurers are skeptical of marijuana's effectiveness as a treatment. Additionally, even if the drug is useful in treating certain ailments, it can still lead to safety concerns if a worker is under the influence while on the job.