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AnonymousUserAAnonymousUser Posts: 49,578
edited 06/11/2012 - 7:22 AM in Health Insurance Issues
:H :H
wc is a joke.
i got hurt at work . the company told me have my doctor to call them and they would take care of everything.
when the doctor hearsd that it was a wc claim he gave me pain pills told me i had a sprained neck and go back to work.

my job is very demanding , i was hurting really bad so i contacted a lawyer . he had a friend in another town that was an ortho surgeon. he took x rays , ct scan, milegram with post ct, and discogram . he found protrusions in c5and 6 l5and s1. come to find out my company is self insured. they never told me any different . they would never pay bills . i had to turn all the bills in on my regular insurance . my advice is to get a lawyer they usually charge 25% of your settlement but it takes all the stress off you. your company is not your friend. it it out for its self


  • that. Most people do not figure that out until something bad happens to them.
  • Hi, it is not a good idea to turn you bills to your own insurance co. When they find out you got hurt at work you will be responsible for them. You are supposed to follow up with the companys wc doctor not your own. Your lawyer should know that. Just because they are self insured doesnt mean they dont pay any drs. bills. Iam on wc and my company is self insured, and I go to there drs. I never pay for anything ,no bills or pills. They are responsible. If your lawyer doesnt know that you may want to see another wc attorney. Get to know your rights, something fishy is going on with your present lawyer. Thats my opnion and I am sticking to it. Research everything and good luck to you.....Hoot
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  • i got hurt at work then now my case was in dispute since i saw the IME doctor said their nothing wrong with me and go back to work.. and i have 3 doctors saying i can't go back to full duty work..workers comp is a nightmare.. sorry to say that but its true... they dont care about u...
  • Always-ALWAYS!!!! Hire an atty that specializes in workers compensation laws if you are injured on the job! The first thing you do is notify the supervisor right when the injury occurs, then depending on the severity of the injury, either fill out the w/c claim forms before you leave to seek medical attention, or get the forms and take them with you to fill out later that day or as soon as possible-then get your bum to the ER or if they require you seek treatment at a specific place, go there. DO NOT procrastinate because you think it's no big deal, maybe just a pulled muscle or paper cut or whatever! I can NOT stress this enough!!!

    First, to address this issue- In some cases, you CAN go to your own Doctors and bill w/c, because I've been down that road. Remember tho, just because they pay a bill doesn't mean they're admitting fault on their part.

    W/C IS only out for themselves! This is a true statement!

    I was injured on duty twice, once in 2002 and the other in 2004. The first injury I was a brand new EMT still in Paramedic training-I won't get into the details but I was dealing with a combative patient and hurt my back, but I honestly thought it was my muscles because they weren't used to the kind of lifting my job required. NEVER assume when it comes to w/c!!!

    I was also hurt off the job in June 2005, which was the last time I worked. Ultimately I ended up with a really crappy award that ended up with $2600 in my pocket after my attorney, and the liens to Medicaid and Blue Cross were paid, and I got NO future medical coverage what so ever. Reason being, according to the Judge, because I didn't run to my PCP constantly whining about my back-he knew it hurt but it wasn't the focus at every appt with him because I have other health issues and he had referred me to specialists for the back stuff-but it didn't state in my records with him that I mentioned my back to him at every appt (they even stated in court that I had been seen for yeast infections and diarrhea but supposedly my back wasn't a problem..can you imagine the embarrassment as that's spouted out in front of strangers in a court room? :S ).

    But getting back to what I was saying..also because I continued to work as long as I could until the pain scared me into the realization that I could potentially drop or otherwise injure a patient or my partner, and because I didn't report the initial injury for a couple weeks thinking it would resolve itself with ibuprofen, ice, heat, rest and time, the Judge said we couldn't prove my injury WAS due to my job. So basically, because I'm stubborn and also a single mom who needed that paycheck, I continued to work as long as I could and it came back to bite me in the ass. X( My only hope now is that my SSDI appeal (ALJ hearing) is scheduled soon and that I win...otherwise I'm left to basically fend for myself and livin on pain meds. :<

    I don't care if you get a friggin HANGNAIL at work..REPORT IT IMMEDIATELY! If you don't you might end up in the same situation as me.

    Always check with your attorney regarding what physicians you can and can't see when it comes to w/c cases if you don't have clear answers from your employer on that, and be sure to arm yourself with all the possible knowledge you can! Ignorance WILL be your enemy, so research-research-research kids!

    Good luck with your case....I hope things work out for you. Be sure to keep in close contact with your attorney and know what is going on at all times. God be with you thru this awfully trying time. It's definitely no picnic!

    If you have any questions or need to discuss anything about your case, feel free to PM me and I will try to help you if I can. Having been screwed over by the county (I worked for a county EMS-can you say Government? I always say, whenever the Gov't sticks their nose into anything it turns out bad! just one more example of that. /:) And you'd think your employer would WANT to help you, especially if you're a good worker-but nope..all they care about is their bottom $$$) I have since been a huge advocate for injured workers, and in fact, am trying to find an organization or way to start one of my own, that can literally become an injured workers advocate for the State of Michigan.

    I don't have all the answers, but I'm always more than willing to help people who are trying to help themselves, and if nothing else-I've got big ears and soft shoulders! ;) :)))

    Take care of you....
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