I received this question from an injured worker, and thought the response deserved broader reach. Here it is with only minor editing. Enjoy.
“Questions… how many of us would it take to change the system? What is it this community needs to do to stand against and disarm this criminal based insurance companies? Being treated inhumane at most points. Could you share some thoughts on this please?”
First, I think it is important to acknowledge everyone’s frustration. The workers’ compensation system, which everyone thinks is designed to provide for injured workers, is really designed to turn injured workers into dollars. When someone get hurts at work, everyone but the injured worker makes a buck. The insurance company gets premiums from the employers, the doctors get paid by the insurance companies, the defense attorneys get paid by the hour, and yes, even the attorney for the worker get paid. Everyone is getting paid off YOUR accident. Safe to say there are a lot of very entrenched interests in workers comp. But that does not mean that we are powerless.
1. Advocacy – at least here in California, there are organizations that actually lobby for changes to the system that are in favor of the injured worker. Myself, and other colleagues are members of the California Applicants’ Attorneys Association that advocates for systemic change. I would find similar groups in your state and work with them.
2. Awareness – share your story! More people need to be made aware of how the insurance company treats people. You are supposed to be cared for, and so often, people who just had the misfortune of being injured by working end up being the victim.
3. Legal Representation – Get an attorney. The playing field is not level. Claims adjusters and defense attorneys spend their entire careers working against injured workers and to save the insurance company money. Getting an attorney is the surest way to ensure that they are at least playing by the rules.
4. Legislative Action – The workers compensation system is a product of legislation. So the only real change can come from legislative action, and that means lobbying your representatives and supporting efforts at reform.
Finally, seek community support. I know the system can feel disheartening and discouraging, but know that your complaints are seen and heard. When people come together, they can share strategies and resources to navigate the system more effectively.
Progress may be slow, but we can make a difference. Keep fighting for your rights!