Lefthanded, I can see from your posts that you really believe in the System, Sadly I cannot afford to evtend my belief that far, I must deal with the System as I see it.
For me the Workers Compensation System while it may have a grand history and for all of it's cutting edge care for the worker when it was implemented has now become outdated, outmoded, and an outright insult to the forward thinkers who framed it.
Additionally despite the propaganda disseminated by the Insurance companies the average American worker is not looking for a "Free Ride" from a system that at best will pay them 20% less than they were making while working! Make it 20% more and I could see people trying to scam the system but less? when most workers are jumping at any chance for overtime? No Way.
Today the biggest problem with WC is the Insurance Industry and their Bean counters... IE: Since we carry the cost of Attorneys on staff we might as well use them to save a buck or two.
The Insurance Industry's major commitment is to neither the Employer or the Employee, no it's to their Shareholders, and keeping costs down whether it hurts the worker or the employer is the main concern of the Insurance Company.
Plus, most employers (who's main commitment is to their shareholders) care less about the employee and more about their Insurance costs and if not poking their nose into the WC process will keep those premiums down why SEE NO EVIL!
The basic design of the WC system despite updates over the years contains flaws that ignore basic economics and the basis of our Judicial System.
Basic Economics - WC Benefits paid as a % of workers Take home pay.. on the surface it's fair, the worker has fewer costs and the benefit is tax free. Economic reality check.. With the withholding and tax laws many workers claim 0 dependents or even a minus number so they owe no income tax or even have a refund due.. factors that are not accounted for by the WC Law.
A Felon has better protection than an injured worker.. Why? Because He's INNOCENT UNTIL PROVEN GUILTY... Just One IME from a Dr CHOSEN by the INSURANCE Co. and the worker can have all benefits cut off pending a hearing... PENDING?? My Pain is not PENDING.. my bills are not PENDING.. But Hey it's a great incentive to get the worker to "settle" for any amount... Especially if the alternative could mean something like ohh I don't know DEATH maybe??
I mean if a workers injury put him on life support having those machines cut off for non-payment well that's what I'd call an incentive to settle!
OK over the top but really is reality much different? Lost income no food, no pain meds, OWW! if I hadn't had a fallback coverage for all the meds my CRPS has me on I'd have had to settle just to avoid the effects of withdrawal!
Sorry long as this post has taken me and much left unsaid but even with breaks my hands are on fire... positive side.. my PT for the day is done..
Please take no offense this is how I see the system. BTW I'm left handed too