Posted On: March 20, 2007, 10:52 am CDT

Posted By: Nameless

No, the world isn't fair. Sure, it would be nice if the truth came out. I won't. Why? Because no one wants to be at "fault". Fault means you did something wrong and must take responsibility. The work place can be a dangerous place at times. This is the reason for employers to have workers comp. To insure that someone who does get hurt is taken care of so the employer doesn't have to take it out of there pockets. Just like having car insurance.

If a worker gets injured on the job it's an accident not a fault. Once they are on WC the next step is that the employee is let go. Few companies will take an employee back with restrictions. Lets say if the IW now has restrictions canceling out those who are not injured very badly. Minor injuries the employee will usually go back to work. If an IW has severe damage resulting in surgery they will not have a job to come back too. That's just the way it is.

Then the IW has to get authorization for doctors appointments. This is where things get messy. When sergury is required the insurance company will fight to keep it from happening. Then you go to mediation and make your arguement. Yes, all the doctors that you have seen said the surgery is a must. The insurance company then says, fine, we will go to court. The court date comes around and low and behold..... the court date is cancelled and your surgeries and all your medical is approved. In the meantime, you have spent months in pain trying to get relief from pain and so on. More damage has now occured due to the delay. If the insurance company would just accept the results from the doctors, let the injured worker get fixed he can heal much faster, go back to work and the insurance company would probably save thousands if not millions of wasted time. Instead, the insurance companies drag it out which creates so many problems. People aren't in it for the money, they are wanting to heal and get better.

Why it gets so complicated is beyond me. The insurance company would rather force you out of they system with no care at all. Better yet, if you die they save a bunch more money.

There is a formula for those how have perment damage. Why then does the insurance company want to renig on there own formulas for further medical care or monies for further medications and such? It's all laid out but the insurance company won't follow there own rules which in turn hurts the injured worker.

It's this way, the insurance company has more back with there excuses, loop holes then an injured worker can keep up with. The insurance companies make and change the rules all the time leaving the injured worker out to dry.