Workers' Compensation Insurance

Everyone who knows about worker's compensation will tell you that there will be problems in the system and they will always be someone's fault.

Professionals, lawyers, legislators, and insurance companies are not spared from accusations of fraud. The California Department of Insurance, for example, draws a bead on the bosses.

Employer fraud is one of the fastest growing areas of workers' compensation insurance. An employer can commit fraud by underreporting the payroll or by misclassifying employees.

There is a different view employed by the state's top insurance regulator on this. Those people whom employers pay a lot of money are abusing workers' compensation insurance, a California insurance commissioner points out.

Not one group can be excused from blame for this current problem, an attorney who deals in workers' compensation issues. The workers will receive his best defense.

Workers hardly have any cases of fraud. According to the Web site of the California applicants' attorneys association, only a small number of arrests and convictions occurred from the 4 million injuries that were reported within the years 1993 and 1998.

He wants employers and employees to see that they are both still facing against insurance companies. Five years after the insurance industry was not anymore controlled by the government, the cost of insurance fell. Because there were very little claims made, the insurance companies invested in the runaway stock market and made huge profits.

What happened in 9/11 added to the problems. The insurance industry and insurance companies suffered great losses because of these terrorist attacks.

He supports any legislation that would make the 235 private insurance companies offering workers' compensation coverage in California.

Another point of contention is the fact that rates are not affected when there are no claims and yet the rates go up when there are claims. He approves the provisions of Senate Bill 191 which seeks to reward employees who have made no claims in two years.

The conditions of this one physical therapist's patients are describes with the term compitis. He believes that there is a notable difference in the recovery time of a work related injury when compared to the recovery time for a non related work injury.

Injuries related to work will not recover as fast as injuries related to other things. Health care specialists such as doctors and dentists would be encouraged to keep in their books the names of patients with workers' compensation because of this streamlined form of payment.

Submission of the paperwork ensures that the check will be sent to the health professional promptly. He said that this is obviously different from the way an HMO works, where there are too many questions, too much paperwork, and too many costs involved.

The percentage of patients with workers' compensation may vary from chiropractor to chiropractor. Chiropractors take advantage of this system by billing for a lot more than what is normally recommended.

He knows what patients do to abuse the system. A fake injury can be discovered through certain tests.

by: John Chambers

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