insurance discriminating by legalisation

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legalisation says if you suffer a workplace  injury before retirement age and you keep working past retirement age and you happen to be off work because of this injury when passed the retirement age the insurance companies do not have to cover your wages,but if you injure yourself after retirement age then they compelled by legalisation to pay you wages,this discrimination has to be corrected,in both cases one has saved the Government paying a pension,if either cannot receive a pension how can they live because of this discrimination