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View Diary: My first experience with worker's comp (51 comments)

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  •  It should ALL be this easy... (9+ / 0-)

    I'm truly glad workers' comp is working for you: I clicked on this diary expecting a horror story. I got screwed hard by the system, so I've seen its dark side... and I'd like to see the system end.

    We should fight for two basic changes to healthcare:

    1. Medicare for all.
    2. No more "injury insurance."
    All medical conditions -- whether caused by disease, accidental injury, automobile collisions, or workplace hazards -- should be covered by Medicare, instead of having liability insurance companies cover (or avoid covering) injuries to protect their profits.

    Think of how much cheaper insurance would be -- for cars, homes, and businesses -- if medical care was removed from the equation. With the government as payor for all medical conditions, it would be able to fine and/or punish gross systemic negligence (e.g., the Ford Pinto) without forcing all of us to pay for it.

    "She's petite, extremely beautiful, and heavily armed." -1995 Michael Moore documentary Canadian Bacon

    by Tom Seaview on Tue Sep 11, 2012 at 05:39:28 PM PDT

    •  You hit the nail on the head (4+ / 0-)

      I fought with the bastards for a year to get my knee fixed. What they often do is figure out their maximum liability for an incident and then spend up to that amount fighting you. I had to limp around for a year with a bad knee.

      Some people have short memories

      by lenzy1000 on Tue Sep 11, 2012 at 06:37:14 PM PDT

      [ Parent ]

    •  I feel I should point out that some jobs (1+ / 0-)
      Recommended by:

      are more hazardous than others, and employers have a lot of control over how safe or dangerous some jobs are, so using a flat medicare fee does two things:

      1)  Companies with safer jobs subsidize those with more dangerous jobs.
      2)  There's less incentive for companies to clean up their act (Ideally, there should be strong federal regulations targeting unsafe workplaces, but in practice...).

      I'm not actually disagreeing with you, by the way, just pointing out two potential problems.

    •  Eradicating injury insurance (0+ / 0-)

      can have really perverse results.  We WANT people to be held responsible when they cause a car crash or injury someone because of their negligence.  If people know that they aren't going to be held financially responsible for their actions, they aren't going to be as careful.  

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