Are some injuries not submitted to work comp?: Those of us dealing daily with injured workers have long suspected that many work injuries go unreported for a variety of reasons. Workers with access to health care insurance with a low deductible may choose to file with group health instead of workers' compensation. Workers with other wage replacement benefits (such as short-term disability) may also choose not to file for workers' compensation. Employer intimidation through both overt and covert suggestions or directives not to file for workers' compensation also applies. The stigma and the loss of bonuses or overtime pay is another contributing factor to non-filing for workers' compensation..