Finding this blog was like reading an autobiography

tricks-insurance-companies-use

In a perfect world, workcover insurers (and their case managers) would exist to help you recover, and to accurately assess and pay damages and costs after a workplace injury. But the truth is, workcover case managers work for the insurance companies they represent, and as a result, they are often more interested in protecting said insurance companies than protecting your best interests, including your recovery. The following Guest post highlights again some common dirty tricks insurance companies use to try to get out of paying for your claim.

Finding this blog was like reading an autobiography

Going to conciliation

By “Renepogel”

I am currently entering month 9 of living hell with Allianz due to [an injury to my] knee, finding this blog was like reading an autobiography!

From day one Allianz have threatened and bullied me with regards to this injury even though it is clearly visible on MRI, I have now been forced to go to a conciliation conference with intention of cutting off my payments through work cover WA, which happens to  fall  on the day before my orthopaedic surgeons appointment!( to decide if I should go for surgery! )

This all stems from a report from one of the”doctors” [IME] that Allianz sent me to stating that I am not “totally unfit for work” and I should be able to do my job as long as I sit in the office and don’t walk on uneven ground… My job requires me to climb through confined spaces on board navy and commercial vessels while they are in dry dock (ascending and descending flights of steel stairs in ship yard just to get on board).

Even after I spoke with workcover and pointed out that this conference is going to be a total waste of time and money they cannot do anything because Allianz requested this date???

Allianz are also refusing to pay for my psychologist visits as according to them it is a knee injury and the pain  has nothing to do with my mental state…

How can they have so much power?

I am not a malingerer and only want the best for my knee after an injury at work for which liability was accepted.

I have endured the threats, surveillance and intimidatory behaviour for long enough but also realise that even though I have legal representation this is a well choreographed system seemingly run by insurers to benefit insurers!
Something needs to be done to put the balance of power back with the victim and their treating physician instead of this well oiled money making machine with no consideration for humanity!

There are two big reasons why workcover insurance companies want to delay your claim. First, there’s the chance that you’ll become so frustrated with the process that you’ll “give up” and walk away in order to preserve your sanity or what’s left of it. Second that you accept a lowball offer that you otherwise wouldn’t accept, out of desperation. They don’t care about you, nor your recovery, they’re pea-brained clerks interested in only one thing and that is their $ bottomline $.

They will happily spent $2000 on conciliation to save, literally, payment of a $5 pair of flip flops for some poor sod with 8 broken toes.

Also see:

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3 Comments on "Finding this blog was like reading an autobiography"

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Woowoo
Guest
Once upon a time there used to be a system called Workers Compensation, From the Fair Work Ombudsman page: Workers’ compensation is a form of insurance payment to employees if they are injured at work or become sick due to their work. Workers’ compensation includes payments to employees to cover their: wages while they’re not fit for work medical expenses and rehabilitation. Employers in each state or territory have to take out workers’ compensation insurance to cover themselves and their employees. Since privitisation, the current system, its all about how much can we shaft the poor injured worker, how much… Read more »
Sarah-Jane
Guest
Great comments – and so true – exactly my reality – as well as that of so many others. Just hang in there! Once you realize that the aim is to frustrate you, you can eventually become very Zen (in my case out of sheer pig-headedness- I REF– USE to let them get to me!) We all just have to learn to play the game and not react emotionally – which is far easier said (or written) than done! My utilities providers, etc. are now very used to my phone calls asking for an extended time to pay because the… Read more »
tony
Guest

Dear Sarah-jane,you could also give this a go when sitting calmly chanting Fuuuuuuuuuuuuuuuuuuuuuuuuuuuuck just a suggestion.