I hurt my shoulder a few weeks back. I work at a small company in Central Florida where I am the only real employee. I've worked there for 9 years and my employer has never offered health insurance or any other benefits to speak of except a decent salary. I'm not sure what to do. I've been out of work for a few days, not only because of the extreme pain in my shoulder, but also because I haven't been able to sleep because of it. I know I need to see a doctor, but I live week to week now and there is no way I could afford a medical bill, especially if it turns out to be something really serious. But.. I'm at the point I have no choice.
My real question is this.. I actually like my job and I'm good at it. If my employer does not have insurance coverage and I go to the hospital with a workman's comp claim.. What will happen? I can't afford to lose my job over this and I don't want to sue my employer of 9 years either. Any help at all would be appreciated.
Additional Details
I have talked to my employer.. she actually asked how it happened and I told her. She then went home and brought some home remedy heating rub for my shoulder and that was about it. She is completely aware of the problem, but seems to think it's not a big deal. I think she means well... but doesn't understand the big picture. I intend on talking to her in depth about it on Monday when I drag myself to the office. That's when I imagine things are going to get sticky.