1171 explain both sides please

[Dallas307]

tweety------ the real point is----once a policy is purchased - your house- car- or an employers WC it does not matter it is the IC on any policy that covers you or your employer---------just as in an auto policy if you got in a wreck and it was your fault- you have insurance to cover the other person and you have no real say in the outcome-WC is the same way - if I sold a policy for any amount of money - for instance 30K----- and your injury was 100k that is what it is ----your employer will have to deal with the mod and the rates in years to come-------plus the mod carries over for up to 4 yrs- so that is calculated every yr------- in addition to any and every yr after your claim-the truth is-- an employer is best working with you and your RTW because even if they can accomodate your restriction they should- and rt. now every state is working on RTW because of stats the best thing for an IW is to keep them working and be positive about working and getting you all well------- I have to tell you this when I was trasferred to Dallas the first time to a WC unit- every day I daid this sucks and is not fair- my boss then said Sheryl there is nothing fair about WC so get over it------------and duh - I have now been doing this 32 yrs--------------I must be friggin crazy

[Dallas307]

ks-- if your atty. wants to have the conversation that is a good thing- people need to communicate part of the problem in the system is that people do not communicate- for all parties the best results and solutions is communication

[ksgirl]

Dallas, I spoke to the I/A about three days after a DRs appointment (on 7-3) and she asked if I had been released for work, I told her I hadn't been. I spoke with her two weeks later and told her nothing had changed, I hadn't been back to the DR. After my appointment on 7-31, I told her I had been released to restricted work, but didn't think my company would accomodate me (which they haven't). I had gone four weeks without a check and unable to get my IA to understand (and unable to get a hold of her supervisor) that I had not (at the time)been released to work before i hired an attorney. My attorney said after speaking to IA that he had never spoken with a more incompetent IA the thirty years he has worked with or against wc. I agree that cvommunication is the key to all of us getting along, but my IA doesn't seem to want to communicate. Sje told the attorney that I was released a month before I was, even though I had told her twice that I wasn't. I didn't want to get an attorney, but four weeks without a check really hurts me and my family. The saddest part is, if I am late on a bill because I don't have money coming in, I have to pay for it, not the one person that seems to stand in my way, whether through incompetence or ignorance.
Dallas, I still don't think that all insurance adjusters are bad people. I think mine needs to retire is all! The reason I don't want to talk to the IA is because I have already spoken with her twice about this and she hasn't listened yet. I am afraid that I will get upset and say something I shouldn't. Even if she mmakes me mad, she still deserves respect and at this time, I am not sure I can give it.
Sorry if I rambeled on, I am a little irritated.

[Pooh]

Tweety

You live in small town Iowa - also they have lots of denials in Iowa - that is why they had to come up with legislation for handling the denied claims in a more timely manner than what they were in the past. Prior to 2005 - it could take 24 months or longer to get a denied claim in front of a commissioner.

As far as your employer being uninsured at the time of your injury that will all come out at the time of the hearing when the IC says that they were not covered at the time of the initial injury. Then all will fall back directly on the company itself. Not to mention any fines that can be imposed on the company for delay of treatment, not having insurance, etc in Iowa.

Osha regulations require all companies to keep an accident log and they are suppose to keep track of all types of accidents. This includes things as simple as a knife cut that needs minor first aide. How many companies actually do this? I can tell you that I never was asked to fill out an accident report for either of my cuts to my fingers. One bled for 15+ minutes in the first aide station and they had a hard time getting it to stop bleeding. Finally I asked them if they had liquid skin to put on it to see if that would work along with a band aide since it was clear that they would not allow me to get stitches. No accident report made out at all - and I bet it wasn't noted on the osha log either.

[Dallas307]

There are incompatent adjusters and if she has some kind of release she should produce it- you and or your attorey shshould demand to speak to her manager-and a change of adjusters to one that is experianced and capable of handling your case. Some adjusters have x amount of year of experiance and others have 1 yr experiance x amount of yrs . i.e 8 years of experiance but realy 1 yr 8 time

[1171]

it's obvious reading streight text is too harsh for most ears. The brain in the absense of visual or auditory clues adds a negative tone when the reader "plays" the message board text back to themselves. The reader "sees/hears" criticism, anger, arrogance, etc. Flame wars are easy to start and difficult to stop. Hurt feelings and verbal warfare is quick to break out.
I find that if i give my usual answers but go back and "sprinkle" smileys liberally before posting it softens the replay each of you "hears".
another example where packaging maybe as important as content.

so at least for awhile I'll be using lots of smileys

as far as the original topic:
Do not confuse the motives of the carrier or employer, they are and can be completely different.
one other thing: the rules governing the provision of workers comp are very strict - they don't want a different set of rules for women, blacks, catholics, friends of the boss etc.
a carrier can't reject a claim for one or accept another in similar situation without consequences.

[tweety00]

Thanks to everyone for your opinions and explaining to like pooh said "small town girl in iowa " rofl That sure does fit me alot !


Hopefully someone else who has questions will jump in an ask some more ...
Since I feel we all need to understand both sides of the story !
Pooh thanks alot I was afraid that all the beginning stuff would be swepted under the rug since Who is paying for it !;(