Avoiding the Cracks: A Guide to the Workers' Compensation System

By Anne Tramposh | Go to book overview

4
THE INJURED WORKER

Injured workers are at the heart of workers' compensation. After all, the system was originally designed to protect their rights when an accident occurs in the course of employment. It would be helpful if all parties in the system, including injured employees themselves, could understand their point of view. This chapter will examine the position of the worker in the system.


LIFE REVOLVES AROUND THE INJURY

Chapter 3 discussed the lack of control workers' compensation patients have over their own futures. When injured workers are taken off work, the system literally takes away some of their basic rights to do what they choose and to support themselves. It is not surprising, then, that their lives begin to revolve around their injuries. In addition, in order to continue to receive benefits, they must continue to be injured. While the purpose of the temporary wage loss benefits is restitution for the workers' inability to support themselves during recovery, the disability begins to be their means of supporting their families. Since they must continue to be injured, they must act that way.

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Avoiding the Cracks: A Guide to the Workers' Compensation System
Table of contents

Table of contents

  • Title Page iii
  • Contents v
  • Tables and Figures vii
  • Preface ix
  • PART I - ABOUT WORKERS' COMPENSATION 1
  • 1 - THE STORIES 3
  • 2 - THE HISTORY OF THE WORKERS' COMPENSATION SYSTEM 15
  • 3 - CRACKS IN THE SYSTEM 23
  • PART II - PLAYERS AND MOTIVES 35
  • 4 - THE INJURED WORKER 37
  • 5 - MEDICAL PROVIDERS 47
  • 6 - THE INSURANCE COMPANY 57
  • 7 - THE EMPLOYER 67
  • 8 - OTHER POTENTIAL PLAYERS IN THE SYSTEM 77
  • PART III - HOW TO AVOID THE CRACKS IN THE SYSTEM 93
  • 9 - ASK THE RIGHT QUESTIONS 95
  • 10 - ANALYZE YOUR SITUATION 109
  • 11 - IF YOU NEED TO SEEK NEW EMPLOYMENT 129
  • 12 - THE FUTURE OF WORKERS' COMPENSATION 139
  • APPENDIXES 147
  • GLOSSARY 189
  • Bibliography 195
  • Index 201
  • About the Author *
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