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Insurance companies exist to take in premiums not to pay benefits!

Ifrequently tell my clients, in explaining bad behavior by insurance companies, that insurance companies exist to take in premiums and not to pay out benefits. Self-insured employers behave the same way.Here is a link documenting the most extreme behavior I have seen by any employer.How Tesla and its doctor made sure injured employees didn’t get
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Tragedy of the Triangle Shirtwaist Fire Led to Workplace Safety Laws

In the early 20th century, states around the country began passing laws implementing workers compensation. There were several sets of pressures being brought to bear on legislatures causing them to pass these laws. Organized labor (primarily AFL in Oregon) was doing their best to persuade legislatures to pass workers compensation acts. There was also an
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Walmart announced that they would be eliminating greeters!

Recently, Walmart announced that they would be eliminating greeters and requiring that employees meeting people at the front door must be able to lift at least 50 pounds. Walmart is doing this because they’re trying to compete with Amazon (among others) and they feel they need to offer more service to their customers. This
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Insurance Companies Do Not Exist To Pay Out Benefits! They exist to take in premiums.

I spend all day every day at work dealing with insurance companies. One thing I can tell you for sure is that insurance companies do not exist to pay out benefits. They exist to take in premiums and make money. Here is an example in two parts out of Florida. A
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Reports of the labor movement’s death! Greatly Exaggerated!

When I went to college at the University of Chicago, there was a professor of economics there who won the Nobel Prize, named Milton Friedman. Professor Friedman wrote a paper documenting that unions, in general, provided increased wages, not just for their employees and members, but for nearby employees who were not unionized. He argued
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I’m sure all of you have heard of workers’ compensation fraud! Here are the Facts!

I’m sure all of you have heard of workers’ compensation fraud. It is usually used in the context of working people attempting to steal money from employers and insurance companies. It was certainly a major part of the message that drove the changes in the law that occurred in 1990 and 1995. SAIF Corporation and
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Do Not Make This Mistake! Several Clients Have Made This Mistake

RRecently, I had the opportunity to meet with several clients who all made the same mistake. It is imperative when you meet with whatever medical professional you see for the first time on a claim, to tell that medical professional everything that you feel is wrong with you at that time. It is a
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An injured person is not in the best position to advocate for him or herself

I’m sure I’ve posted about this before, but the injured person is not in the best position to advocate for him or herself. Lawyers have an old joke which, unfortunately, is mostly correct: “A lawyer who represents himself (or herself) has a fool for a client.” I remember many, many years ago I was
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OSHA exists to promulgate regulations requiring workplaces be safe!

At the federal level, Occupational Safety and Health Administration (OSHA) exists to promulgate regulations requiring workplaces be safe and to investigate when there are problems in a workplace to determine whether OSHA regulations were followed and whether the employer should be fined or required to change its way of doing business. States are allowed
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