New Jersey Bill Would Require Workers’ Comp Insurers to Cover Medical Cannabis

A bill that would require workers’ compensation insurers to cover medical
cannabis costs for injured workers has been reintroduced in New Jersey. The
proposal mirrors legislation from 2024, which did not move out of the
Senate Commerce Committee.

“This bill requires workers’ compensation, personal injury protection
(PIP), and health insurance coverage for the medical use of cannabis under
certain circumstances. The bill provides that personal injury protection
automobile insurance benefits, workers’ compensation benefits, and health
benefits plans must include coverage for costs associated with the medical
use of cannabis, provided that the insured, employee, or covered person is
a qualifying patient authorized for the medical use of cannabis pursuant to
the ‘Jake Honig Compassionate Use Medical Cannabis Act.’” — S.1943/A.4371
bill text

The bill would require medical cannabis to be considered a compensable
medical benefit as long as it’s authorized for the employee’s condition.
The legislation specifies that if insurers or employers cannot pay
dispensaries directly, they must reimburse workers for the cost of medical
cannabis upon proof of payment; however, employers or insurers would not be
required to provide reimbursement or coverage if the federal government
were to enforce the Controlled Substances Act.

The measure is currently being considered by the Senate Commerce Committee.