Hurt on the Job?
Will Workers Comp Help YOU?
- Founded in the early 1900s, this program should protect workers who are hurt on the job.
- Every state has laws that require employers (usually through insurance companies) to pay workers’ medical bills and some of their lost wages.
- The requirements vary by state, and a recent trend has seen states attacking workers’ rights for compensation.
The worker is not well represented when injured.
- Treatment is often delayed while waiting for the employer to designate someone to treat.
- The worker must hire an attorney and wait months to get to a hearing before treatment is initiated.
- The delay in care may result in worse injury outcomes, more time off work, more litigation, and more cost to the employer/insurance carrier.
- The delay in care frequently results in more permanent injuries.
Compensation does not reflect severity of the loss
- Loss of limbs and other body parts are lifelong injuries.
- Compensation for loss varies from state to state.
The review of workers comp cases is stacked against workers
- The seven-member nominating committee that selects judges is made up of groups that oppose worker rights.
- Only two panel members are likely to support workers.
Many employees don’t report injuries.
- They believe the system is against them.
- Workers have seen co-workers that have to fight to get care and don’t want to deal with the process.
Some employees are harmed by the workers’ comp process.
- Some receive poor medical care from insurance carrier doctors.
- Treatment is delayed, causing additional health problems.
- Loss of financial security may occur, causing stress personally and within a family.
- Payments are delayed, causing further financial problems.
- Treatment is delayed due to the “prevailing factor” argument.
- Treatment may be denied because a person is too old.
- Inadequate recovery time is provided for serious injury.