We recently received a rather highly controversial email from an injured worker. The aggrieved injured worker believes that ‘killing’ ‘defective’ workcover employees (such as case managers) is the answer to fixing our horribly broken workcover system. We believe that the fundamental problem is that of bad faith…
Insurance companies are in the business to earn money, to make a profit. As such, they learned long ago how to leverage situations so that they are able to delay and deny rightful claims. Many insurers, including those of worker’s compensation, and their case managers attempt to use stall tactics in an attempt to frustrate the claimant/injured worker sufficiently to get away with not paying claims.
Whilst we are by no means saying that all workcover insurance case managers are evil or unethical (some are nice and empathetic to your situation) fact is they are being paid to do a good job for their employer and doing a good job means making a profit for the workcover insurance company.
Making a profit for the workcover insurance company means getting —you the injured worker— to run (away) or settle your workcover case for as little as possible, and in order to do this insurers and case managers will use a wide range of dirty tactics, aimed at preventing you from obtaining medical and like treatment, compensation, benefits etc for a perfectly legit workcover claim.
Workcover insurance companies have incentive programmes for their employees (i.e. case managers). The more they save, the more they get paid. This is the same behavior that we all see, all the time, from overly greedy case managers who seem to be so stubborn that we can’t possibly reason with them. Well, now you know, there is a very good $$$ reason that they are so unreasonable.
The answer to changing workcover insurance companies: debate
By: “Knocked to the ground and kicked”
Insurance companies do what they do because they can. How many times a day do they appear before the courts and told to do the right thing, without any penalties. If you or me where to continuously turn up before the courts for doing the wrong thing over and over would we be sent off to do the right thing ,with out any penalties? Sooner or
later we would be locked up.
Insurance companies do what they do for money. Yes they’ll say that they are going to look after you but that’s just to get your money that’s their main aim. their next priority is doing their best not to give it back.
I believe I know the answer to change this, stay with me to the end.
If everyone who has been ripped off by an Insurance company was to kill just one Insurance company employee, Insurance companies would have to change their policies because of the money that it would cost them (they wouldn’t care about their dead employees) it would just cost them more and more to replace them. Sooner or later they would have to do something. This would be the only way to change their ways, by attacking their pockets. The more they ripped off people the more it would cost them.
Now if your worried about the dead employees don’t. May be the first couple of weeks they don’t know what their employer is doing but after that they would. This is the thing, they can quit or continue working for the Insurance company. Those that choose not to quit are defective. There’s something lacking in their genes, they don’t care
what they do to us humans they are parasites and should be dealt with accordingly ( fleas ticks leaches intestinal worms etc).
Now I don’t say that their families should be treated the same but they should be watched (defective gene).
Knocked to the ground and kicked
The above mentioned workcover insurance incentive programmes result in what is called (and is recognised in civilised countries such as the USA and Canada) bad faith claims handling.
We believe that exterminating (killing) workcover employees such as (vicious) case managers is not the answer, but that the fundamental underlying problem of bad faith practices should be addressed instead. Bad faith practices should be heavily sanctioned until the practice is obsolete. Only then will the greedy system not attract greedy and soul-less employees, as there won’t be any bonus money to be made on the misery of injured and ill workers.
Meanwhile, dream on! Imagine a workcover system where proper and humane KPIs (Key Performing Indicators) would be measured and rewarded, such as “days to return to pre-injury health” (meaning ensuring the injured worker gets prompt medical treatment), “no secondary psychological injury” (= injured workers not made ill from their interactions with the system) etc.
[Dictated by WCV and manually transcribed on her behalf.]
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