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Two things that all people involved in workers' compensation agree on are that the system has many problems and someone else deserves the blame. There will always be fingers pointing accusingly at all kinds of employees and employers regarding fraud. The California Department of Insurance always goes after the bosses. Employer fraud is one of the fastest growing areas of workers' compensation insurance. Forms of fraud could include the misclassifying of employees or underreporting of payroll. The state's top insurance regulator sees it differently. A California insurance commissioner points out that employees who are paid a lot abuse workers' compensation insurance. Not one group can be excused from blame for this current problem, an attorney who deals in workers' compensation issues. The defense of the workers would be the strongest given by him. The number of fraud incidents by workers is small. Only very few arrests and convictions took place between 1993 and 1998 out of the 4 million injuries reported, says the California applicants' attorneys association in its Web site. He wants employers and employees to see that they are both still facing against insurance companies. When government power was stripped from the insurance industry, insurance costs began to drop five years later. Due to the number of claims, the insurance companies invested the premiums and gained large profits. The 9/11 incidents brought its own share of problems. These terrorist attacks caused a $40 billion blow on the insurance industry, resulting also in many companies to go out of business. Any legislation that is proposed to make the 235 private insurance companies that offer workers' compensation coverage appear on the Web site gets his vote. Another major bone of contention is that rates rise automatically when there's a claim, irrespective of the dollar amount, and don't fall when there are no claims. Senate Bill 191 which aims to reward claim free employees is a legislation he supports. According to a physical therapist, compitis is a perfect description for the conditions of his patients. According to this gentleman, there is a significant difference between how long it takes a work related injury to recover and how long it takes a non work related injury to recover. A person who got injured because of a mishap at work would most likely take longer to recover than if he got injured because of an accident outside of work. Patients covered by workers' compensation would most likely appear in the health specialists' books thanks to this streamlined system of payment. Once the paperwork is accomplished, it's only a matter of time before the health specialist is sent the check by return post. He said you would definitely see how different this is from an HMO, where there are too many queries and where the system is so time consuming and expensive. This one chiropractor who has been practicing for 13 years claims that only 15% of his patients are on workers' compensation. Chiropractors take advantage of this system by billing for a lot more than what is normally recommended. He knows how the system is abused by the patients. Patients fake injuries, but they can be detected through certain tests.
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