They want you to think it is a good thing, but is it?
Although Florida Insurance Commissioner Kevin McCarty has approved a proposed rate decrease of 6.8 percent for all new and renewal workers' compensation insurance, the injured worker is still left out of the calculation.
Don't get me wrong--I am glad that employers are getting a reduction in their work comp premiums. I simply think that Florida's present workers' compensation system is broken and the workers' comp carriers have too much power over the lives of injured workers and their families.
The workers compensation carrier dictates what doctor the injured worker has to treat with. In almost all situations, the injured worker cannot see a doctor of his choosing without having to pay approximately $1,000 for the visit. The work comp carrier decides if and when to pay wage benefit with little penalty for delay. Although the workers' compensation law says the carrier shall "pay and investigate" if there is a question as to whether there is a compensable accident, most carriers have decided to "deny and starve out the injured worker" instead. If the general public only knew what some injured workers have to go through to simply get the few workers' compensation benefits they are entitled to!!!
So, legislators and the Insurance Commissioner can throw a party that workers' comp rates are reduced for a 7th year and keep on ignoring the plight of the injured worker. Ignore how benefits have been ripped away from the injured workers for the past 7 years. Ignore how the injured worker cannot be on a level playing field with the insurance company with litigation is required. As for me, I will continue to fight to be a voice of the injured worker in a system that simply doesn't want to hear from them.
If you or a friend are battling the workers' compensation carrier, don't try to do it alone. Click here to schedule a free case consultation with Workers' Compensation Attorney Matthew Noyes.