Originally Posted By: eljefino
Go to a doctor and complain of wrist pain, first thing he'll do is try to get you to blame your work, because he can go after workers comp, which pays better than regular insurance. If you get hurt in a car wreck there's a third policy for that and they'll all duke out who's responsible.
A little off topic, but as a husband of someone who is in the permanent disability group due to chronic pain from overwork related neck (pinched nerve, cervical disk bulging)and wrist pain (tendonitis), I am very offended about what you said.
We are not at the moment looking at having a lawyer, but these "workers' comp" insurance is nothing but a shell game so the employers can get out of their responsibilities to take care of the employees who got injured from work over time.
She worked 5 years in the field running assay for a drug companies, the health insurance started questioning why she is using her chiropractor visits so often, and when she finally think it is work related and file for workers comp, she got a total of 24 sessions of visits and then they declare it permanent, declare it 3% disability (while some of our chiropractor friends told us it should be more like 6-12%), then send her a $2000 check and say this is all you are going to get, and no more chiropractor visit, ever in your life from worker's comp, case close.
Now, because she is declared disability from workers comp, she cannot use health insurance for chiropractor visit anymore for the injury. The employer's on site nurse says she should use the health insurance (by lying, or so called fly under the radar), and chiropractor offers recommendation that she should visit with other pain and she'll treat the neck and wrist problem instead (insurance fraud).
She is now in pain almost hourly, I'm trying to learn massage to help her cope with it, and I'll probably have to accept that I need to be the single bread winner in the family in the future, as well as doing all the household chores as she cannot lift anything heavier than 5 lb without feeling pain.
Other than chronic, daily to hourly pain, her career is ruined because everyone tells her that the only way she will get better is to quit and work something that completely doesn't get her neck in one position and lift any weight, that rules out computer / desk job and lab work, her compensation? only $2000.
This is all with employer provided insurance and worker's comp, legally, and supposedly the better one in the market today due to the pharmaceutical industry they are in.
If you see a problem with the way American run the health care system in the best case scenario, then you need to see how it is in the worst case like many of the member here posts. If you think you are lucky enough that this won't happen to you or your family ever, and are unfairly pooled into the unhealthy group, I wish you lucky, because no one will be there for you when you are eventually thrown into the other side, or completely out of the system due to pre existing condition.
Don't come back to ask for sympathy, you may not get any.
Go to a doctor and complain of wrist pain, first thing he'll do is try to get you to blame your work, because he can go after workers comp, which pays better than regular insurance. If you get hurt in a car wreck there's a third policy for that and they'll all duke out who's responsible.
A little off topic, but as a husband of someone who is in the permanent disability group due to chronic pain from overwork related neck (pinched nerve, cervical disk bulging)and wrist pain (tendonitis), I am very offended about what you said.
We are not at the moment looking at having a lawyer, but these "workers' comp" insurance is nothing but a shell game so the employers can get out of their responsibilities to take care of the employees who got injured from work over time.
She worked 5 years in the field running assay for a drug companies, the health insurance started questioning why she is using her chiropractor visits so often, and when she finally think it is work related and file for workers comp, she got a total of 24 sessions of visits and then they declare it permanent, declare it 3% disability (while some of our chiropractor friends told us it should be more like 6-12%), then send her a $2000 check and say this is all you are going to get, and no more chiropractor visit, ever in your life from worker's comp, case close.
Now, because she is declared disability from workers comp, she cannot use health insurance for chiropractor visit anymore for the injury. The employer's on site nurse says she should use the health insurance (by lying, or so called fly under the radar), and chiropractor offers recommendation that she should visit with other pain and she'll treat the neck and wrist problem instead (insurance fraud).
She is now in pain almost hourly, I'm trying to learn massage to help her cope with it, and I'll probably have to accept that I need to be the single bread winner in the family in the future, as well as doing all the household chores as she cannot lift anything heavier than 5 lb without feeling pain.
Other than chronic, daily to hourly pain, her career is ruined because everyone tells her that the only way she will get better is to quit and work something that completely doesn't get her neck in one position and lift any weight, that rules out computer / desk job and lab work, her compensation? only $2000.
This is all with employer provided insurance and worker's comp, legally, and supposedly the better one in the market today due to the pharmaceutical industry they are in.
If you see a problem with the way American run the health care system in the best case scenario, then you need to see how it is in the worst case like many of the member here posts. If you think you are lucky enough that this won't happen to you or your family ever, and are unfairly pooled into the unhealthy group, I wish you lucky, because no one will be there for you when you are eventually thrown into the other side, or completely out of the system due to pre existing condition.
Don't come back to ask for sympathy, you may not get any.
