Employer Fraud, Fastest Growing Issue In Compensation Insurance
Those who are involved in worker's compensation know that the system has problems and fingers are pointed at different people
. Employees, employers, and insurance companies are accused of fraud. The California Department of Insurance always goes after the bosses.Employer fraud is rampant in workers' compensation insurance. An employer who underreports the payroll or who classifies an employee wrong is committing fraud. The state's top insurance regulator views this another way. People who are being paid large amounts of money by their employers often misuse the workers' compensation insurance, says a California insurance commissioner.
The attorney dealing with workers' compensation issues says that the blame for this current crisis can fall on any group involved. But he saves his strongest defense for the workers themselves. The number of fraud incidents by workers is small. The Web site of the California applicants' attorneys association reveals that very few people were arrested and convicted from the millions of injuries reported between 1993 and 1998.
It is his wish that a realization that they're still facing against insurance companies comes to both the employees and employers. Insurance costs went lower years after the insurance industry's deregulation took place. Because there were very little claims made, the insurance companies invested in the runaway stock market and made huge profits.
The problems became heavier when 9/11 struck. The insurance industry and insurance companies suffered great losses because of these terrorist attacks. He wants the top 50 from the 235 private insurance companies offering workers' compensation coverage to be featured in a state Web site of California.
Rates don't change when no claims are made, but rates go up when there are claims. Senate Bill 191 which aims to reward claim free employees is a legislation he supports.
A physical therapist is reminded of the Latin word compitis when he describes his patients' conditions. This therapist believes that there is a difference between the length of time it takes a person to recover from work injuries and non work injuries.
Injuries related to work will not recover as fast as injuries related to other things. This one method of payment would encourage health care specialists to keep track of workers' compensation patients.
As soon as the paperwork is done, health specialists can anticipate the arrival of the check. According to him, this is very different from the many requirements and problems one may usually expect from an HMO.
The percentage of patients with workers' compensation may vary from chiropractor to chiropractor. More services and therapies are provided by chiropractors in order to get the full benefits of this sytem. He is no stranger to how patients abuse the system. Real and fake injuries can be distinguished through certain tests.
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