The Patient-Centered Guide to Workers Compensation: Introduction
So let's begin with understanding one key fact. Workers compensation insurance is a business. It is not an organization designed to be your friend or to take care of you with the hopes of making you feel better. Like any business, workers compensation companies do not want to lose money. When you are not working they are losing money. If it is clear to the workers compensation insurance company that you are only going to be out of work briefly (e.g., broken arm) then you are not likely going to experience problems because there is an end in sight. It is in cases, however, where there is no end in sight to disability where you will begin to encounter resistance. For example, if you left work because of a back injury and your doctor wrote notes saying you are out of work indefinitely and the prognosis is not determinable yet, this is a perfect recipe for a battle with the workers compensation company. And trust me, they can really apply the pressure when they want to.
Before I go criticizing workers compensation insurance companies I should mention in fairness that there are people who fake injuries and illnesses so they don’t need to work and can live off workers compensation payments. This is known as malingering. In my experience, malingering is actually quite unusual but it does happen from time to time. It only takes a few bad apples to spoil the bunch. As a result, workers compensation insurance companies are especially on guard for malingering. This suspicion can drastically alter your benefits, regardless of whether you feel it is warranted. Stay tuned tomorrow for more specific examples and scenarios. Go here for the fist step.











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