Tests Used To Detect Malingering

There are at least two things everyone involved in workers' compensation can agree on, the system is beset by problems and it's someone else's fault. Accusing fingers are pointed toward employers and employees of different professions and backgrounds. The bosses are blamed by the California Department of Insurance.

One of the fastest growing areas of workers' compensation insurance is employer fraud. Among the different forms of fraud committed by employers would be reporting the wrong amount of an employee's pay and giving the wrong classification to an employee. The top insurance regulator of the state has a different viewpoint. A California insurance commissioner points out that employees who are paid a lot abuse workers' compensation insurance.

According to an attorney who deals with workers' compensation issues, no group can be exempted from blame for the current crisis. The defense that workers get will be the strongest he can give. He says fraud by workers is not very frequent. From the years 1993 to 1998, a very small number of arrests were made from the millions of injuries reported, according to the California applicants' attorneys association Web site.

He thinks employers and employees need to get it in their heads that they still have insurance companies to worry about. Five years after the insurance industry was deregulated, insurance costs fell. The drop in insurance claims motivated insurance companies to invest those premiums in the runaway stock market, and this resulted in big profits.

Problems arose yet again during the events of 9/11. The insurance industry and insurance companies suffered great losses because of these terrorist attacks. 235 pricate insurance companies still make workers' compensation coverage available in California, and he wants to support any bill that would put them in a state Website.

Rates don't change when no claims are made, but rates go up when there are claims. He approves the provisions of Senate Bill 191 which seeks to reward employees who have made no claims in two years.

The term compitis is employed by this one physical therapist to describe his patients' conditions. He believes that there is a notable difference in the recovery time of a work related injury when compared to the recovery time for a non related work injury.

He said a person who may get injured from playing a sport will go to work sooner than a person who got injured while at work. This streamlined system of payment would help health specialist remember their patients with workers' compensation coverage.

Treatment is seldom queried, he said, and once the paperwork is submitted the health professionals can expect a check virtually by return post. In contrast, HMOs would ask so many questions and would always keep looking for paperwork.

The percentage of patients with workers' compensation may vary from chiropractor to chiropractor. Chiropractors take advantage of this system by billing for a lot more than what is normally recommended. He knows what patients do to abuse the system. Patients fake injuries, but they can be detected through certain tests.

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