One of the biggest cost drivers in workers compensation is seemingly “average” workcover claims that take a turn for the worst and result in several years of medical treatment and disability. In a recent article in the Business Insurance online magazine the common threads of “creeping catastrophic” claims are discussed, and frankly some of those discussions or opinions are totally outrageous! The article is US based, however most of it applies to Australia as well and gives us, injured sods, yet another insight into the bizarre minds and irrationality of the workers comp insurers and their case managers.
Again blamed are our own medical specialists who of course don’t diagnose our injuries properly, their prescribed “inappropriate treatment” , our lawyers who deliberately send us to bad doctors so we can’t get better (!); our psycho-social factors which show that, hey, we’re really “milking the system”, our “co-morbidities” (such as being overweight!) and, let’s not forget, our drug usage he. After all, only uneducated, non-medically trained case managers and their hot shot “doctors” and “review panels” (consisting of mainly doctors who can’t even practice normal medicine either because they have been stripped of the medical license, are way too old or can’t get patients to come near them!) know what’s best for
us maximizing profits!
As we’ve seen on our “insult us here page“, quite a few case managers have told us to get off our ‘fat arses’, that we’re lazy malingerers after a free holiday and that “even quadriplegics” can work.
How workcover insurers intervene early on potential catastrophic claims
Click on the image to enlarge the article, alternatively read the article online here.
Amazing yet again to see to what lengths workcover insurers will go to minimise genuine prescribed medical treatment and care; argue diagnosis and blame the injured worker for “milking the system” yet again. Give us a break, please!