More states are approving the use of Medical Marijuana. The consequences? Safety and drug policy issues for employers & employees who want insurance carriers to cover their marijuana use.

Conditions Qualifying for Treatment by Medical Marijuana
States with medical marijuana laws typically permit people with these serious medical conditions* to use marijuana without penalty:

♦ Cancer
♦ Crohn’s Disease
♦ Epilepsy
♦ Glaucoma
♦ Multiple Sclerosis
♦ Parkinson’s Disease
♦ Post-traumatic Stress Disorder

* Varies by state

83% think doctors should be able to prescribe Medical Marijuana.

Several U.S. states have approved medical marijuana. Others allow limited access to marijuana or cannabidiol.

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As of mid-2017, Medical Marijuana IS NOT COVERED by health insurance carriers in the U.S. with an exception involving an injured New Jersey worker. Read more »

Why Carriers Don't Cover Medical Marijuana


Employers with a zero-tolerance drug policy are NOT OBLIGATED to allow marijuana use during work.


Employers could face discrimination charges for refusing to hire or for terminating an employee based on his/her Medical Marijuana use.


Enforcement can be tricky for employers who allow employees to use Medical Marijuana at home.

Can employers…

…use an intoxication defense to dispute a Worker’s Compensation claim if marijuana is alleged to be a factor in workplace injury?

Despite the ambiguity, employers can protect themselves…

Employer Medical Marijuana Checklist

Questions about medical marijuana as it relates to Risk Management and Workers’ Compensation?
Contact the Property & Casualty Team

Corporate Synergies

Page content is accurate as of August 1, 2017.