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…
Many people may not realise that workcover insurance firms are actually in the business to earn money. As such, they learned long ago how to leverage situations so that they are able to delay and deny rightful workcover claims and benefits. Many insurers attempt to use stall tactics in an attempt to frustrate the injured worker enough to get away with not paying claims.
Let me ask you to picture this …You were badly injured at work and just had surgery. In this surgery, your surgeons literally touched and manipulated your bones. Metal was placed in your bones. When they were finished screwing and sawing your bones, they sowed your skin together and sent you to the ward with a Morphine pump for pain control.Then after a day or two in the hospital, you are sent home to recover…
Let’s just imagine that we are a doctor or specialist and that we’ve accepted to treat an injured worker.Who is really making the medical/surgical decisions about our injured workers? Shouldn’t the workcover insurers at least share the liability or at least bear the responsibility of their own actions or lack thereof?
Workcover and its agents, and particularly those who work for them ought to be deeply ashamed of themselves. Not only do they mess with the lives of injured workers, but they are also experts in wasting a huge amount of money….Perhaps what really needs to be fixed in the first place is nothing but the workcover claims handling practices!
CGU workcover insurer secretly filmed a wrong injured worker for ‘surveillance’ purposes in a (fully sick and undoubtedly disguised) attempt to discredit the genuine injured worker’s workcover claim. Was it not for a most ethical Dr Timothy Wood this poor injured worker’s claim would have been jeopardised, more so as the covert surveillance was undertaken at the famous 130 week (weekly pay cut-off) mark.
Better guidelines and quality control are really needed for independent medical examiners (IMEs) and impairment assessors, along with rigid ethics requirements and recordings of examinations/assessments of all injured workers.
Does the workcover insurance company care about injured workers? Does your workcover case manager care about you? Most are just big mean ogres that wants to do everything they can to screw you over, and, as you’ll see, some times (read: often) their actions are so ridiculous, you have to wonder if they are really run by humans!
When injured on the job, many workers may be surprised to learn that workcover insurance companies routinely stop payments or deny many workers comp benefits.Whilst we have previously written about common tactics used by insurance companies to minimise workers compensation payouts, this article focuses on manipulation of information, power, or a communication process to deny a benefit, in this case household help.
Fact: Many falsely assume that injured workers in the workcover system “behave” in the way they do because they have an economic incentive to do so, however very few have looked at the workcover system itself to find out how the (entire) process impacts on the mental health of the injured worker.