In An Effort to Minimize Your Benefits, Insurance Adjusters
Can Lie, Manipulate, Instill Fear, And Generally Seek to Control
You and Your Rights!
It is common practice (an everyday occurrence) that insurance
companies will send letters to doctors, employers, and patients
“not authorizing” care or “denying” care
or treatment without any legal basis for doing so. In many cases
the insurance company knows this, but their own statistics show
that this is so effective in reducing costs they do it anyway. Unbelievable,
I know, but done every day none-the-less.
Here is just one common insurance company strategy and
whatever you do…
“Don’t Let This Financial Blackmail Happen
||The insurance company denies your claim
until you are broke. Without a job or a source of income, and
as a desperate effort to get some money, you waive your future
benefits and agree to a lower settlement.
As a result of the misinformation or lack of information,
some employers, fearing an increase in their insurance premiums,
will even unknowingly break the law and…
- Hide the work injury,
- Fire an injured worker before they file a written claim
- And other unethical behavior.
Otherwise ethical, responsible companies or individual
employers that do such things are themselves acting out of fear
and unaware of the consequences. They too can be the victims of
fear and manipulation of some industrial insurance profit motivated
After Happily And Loyally Working For Their Employer For
Years, Many Now Injured Workers Experience Complete Betrayal By
- They’re treated differently.
- They feel like an outsider.
- Their co-workers ostracize them.
In some companies, if there are no injuries filed for the
quarter, everyone gets a bonus…a prize. Imagine how a legitimately
injured worker feels when his or her filing is a source of a loss
for all his or her co-workers!
Not very long ago, at the Worker’s Compensation Appeals
Board*, they had two articles posted in the meeting and waiting
area; both of them were studies that have been conducted on fraud
and revealed that fraudulent claims by employees are much less frequent
than first thought, and much less common than people think.
* The Appeals board is where applicants (injured workers),
their attorneys (if they have one), the insurance company’s
attorneys (they almost always have one), the insurance adjuster
and the doctors all go before the judge to resolve issues. For your
information…How many fraud units do you think are investigating
insurance companies? A recent article in the San Francisco Chronicle
stated “Zero” in California in the last four years!
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