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How Insurance Companies Take Advantage of Injured Workers

Insurance Company Profit

An insurance company is a business looking to make a profit. An insurance company looks for ways to help a worker’s compensation claim end up so the insurance company spends less money to help you recover. An insurance company may put its interests ahead of yours. There are certain events that can affect the outcome of your workers’ compensation claim. Here are a few ways an insurer may try to rip you off.

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Insurance Companies Send You To Their Doctors

Worker’s compensation law allows the employer to choose the initial physician. The “company” doctor is likely a doctor chosen by the worker’s compensation insurance company or a doctor on a list of preferred doctors that handle their claims. Doctors who agree to have a relationship with insurance companies receive income from the insurance company referrals. This places the doctor in a position where the doctors could feel obligated to make a diagnosis or recommendation that is not objectionable to the worker’s compensation adjuster. A doctor who disagrees too frequently with the insurance adjuster’s recommendation could end up off the approved list.

Insurance Companies Delay Approval of Medical Treatment

Even if your doctor or multiple doctors suggest that you need treatment for your injuries or need other medical care, an insurer can delay the decision by requesting opinions from several different doctors, waiting for a doctor to give an opinion that matches the insurer’s view of the claim. A delay in approval for surgery or medication can lead to longer recovery or permanent consequences.

Insurance Companies Blame Injuries on Existing Conditions

An insurance company can blame your injury on an existing condition like aging, prior injuries, or the structure of your body to avoid compensating you for lost wages and treatment. If they can make an argument that your injury was caused by something other than workplace conditions, they can save themselves from paying for your recovery.

If you feel your employer’s worker’s compensation insurer is taking advantage of you or your claim is not reaching a fair outcome, discuss your situation with a  workers’ comp lawyer like Rainwater, Holt & Sexton.

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