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