It seems that most talk of workers comp. and the failing system tends to only address financial issues and the need to level out the proffit/loss ratio for the insurers. I have found little attention being payed to the devistating effect on the lives of the real victims in this mess, the injured workers.South Australia's system is a pseudo "state run program" yet they answer only to their own board and private investors. Each year they argue in the parliament over ways to cut cost for the insurers as well as the employers, yet Workcover passes millions of dollars of benefits to medicos, its staff, lawyers, consultants and the board. Meanwhile, perfectly innocent people, suffering from work related injuries are left unknowing and unprotected by the very source from which they are supposed to be protected by. The idea is to provide necessary medical treatment and temporary financial assistance to injured workers. The suppossed goal is to provide adequate recouperative rehabilitation and lost wage compensation until such time that the injured worker is able to return to their position in the work force or, if unable to effectively regain full reinstatement to provide job retraining rehabilitation. The truth is quite different however. Any rehab counselor with the workers comp. system can tell you that the two most frequent complaints by injured workers seeking help are #1- it is beyond impossible to reach, let alone get answers from any claims agents. Quite simply, claimants are ignorred for as long as possible and treatment is delayed while financial assistance is withheld (sometimes for years) with no penalties to the insurers and no one watchdogging for misconduct. This practice forces desperate injured workers to obtain legal council which really only gets you the absolute bare minimum assistance. W.C lawyers have no motivation to expedite action from the insurers. Instead they are apathetic to the needs of clients and are careful to never "rock the boat" with the insurers. This brings up issue #2- claimants spend weeks or months trying in vane to contact their lawyers and their repeated attempts do nothing to garner even a simple return phone call or e-mail. So really, claimants are alone, even with legal assistance in their corner. W.C. lawyers make the same percentage of your claim whether your case settles in 6 months or in 6 years and they are hesitant to ruffle any feathers with insurers so that they can maintain agreeable terms of a working relationship. In effect - lawyers are buisness partners with the insurers, scratching each others back while the almighty dollar stays the focus and is more important than the injured worker. There are so many hands reaching into this pot that everyone is careful to never cause problems for the other hands for fear of loosing their grip on their tiny piece of the prize. All the while, if they are lucky, the injured worers are shuffled through, and forgotten by the system. Instead of proper and timely care and assistance, injured workers are faced with neverending beurocracy as they get forced into poverty, losing homes, destroying families and made destitute. Faced with these burdens, claimants are reduced to living in shame and suffering with no avenue to turn for protection. Where is the voice crying out for the injured? Is there ANY place to turn for shelter? Who stands up for the ethical treatment of these infirmed cast aways? Can't something be done to prevent the insurance agents from destroying so many lives in the hope that eventualy an injured worker will give up on their entitlement and save a few dollars for the insurers? Something MUST be done! please help me and others to be heard.
Posted by Jessica R at 5:15 PM, 3/6/2007