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Originally Posted by maddy
I couldn't help but giggle a little as I read Lixy's post ...mostly at the irony of the situation. I pity Mr and Mrs Lixy for their agony and challenge. But I must admit I work in the insurance industry. Yes we are mean and know we are a necessary evil, but it's amazing the number of people that are "sue-happy" or willing to do anything for a little bit of a handout from the evil insurance industry. I know the world would be a better place in more than one regard if we were honest and trustworthy ... unfortunately insurance is surrounded by untruths and dishonesty when it comes to claims. Until everyone plays on the same common ground of truth, it will remain as such.
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I wasn't taking a personal stab at everyone in the insurance industry...just at the fact that even when someone in said industry actually comes across a honest to goodness case of why [we] pay insurance in the first place and still denies the case...well...this world sure done gone crazy! I know insurance is a necessary evil...but I don't think everyone in the industry is evil. They are just doing their jobs as ordered...with a jaded outlook for every case!
I don't see the irony that you speak of Maddy. All I took away from this situation is that this particular insurance claims workers had no instinct of right and wrong, fair and unfair, good and bad. And for what reason? It was instilled in him to find a way to deny this claim, as he probably did with every other claim he had before him at the time, and make it hard for us to ever get an approval. We weren't going for the mother load here. We only wanted a percentage of his lost wages and the medical bills taken care of. We could have gotten by without the lost wages if the doctors hadn't made it a worker's comp case and our health insurance could have paid the med bills. After it was deemed a worker's comp case, hubby no choice but to let them take the ball and roll with it. I never mentioned a law suit. We never intended to sue for anything. We couldn't even afford to sue even if we wanted to...but we never wanted to. If the people who run the insurance industry have lost all instinct of good and bad intentions, there is no hope for a honest person to make a claim and we should leave the insurance dealings up to the crooks and the claims adjusters. Least this way they'd know who they were dealing with instead of just stamping "denied" on every case...including the honest ones! I don't find that ironic...I find that sad!
BTW...we are fine now and have recovered financially because we DIDN'T persue a lawsuit. Had we tried to sue for approval...we'd have owed more than what we were seeking.
In all the years that my husband's company has paid into worker's comp...they have NEVER paid a single penny to an approved claim, nor have they ever approved a claim. As stated earlier...his company had only 3 claims in all it's years in business. The insurance rate is sky high because of the type of business it is...yet the accident rate was nil till the first "false" claim (which wasn't the company's fault...they had no idea this kid they hired was sue happy), the machinery accident and then my husband's claim. Nothing is justifiable to me as to how this situation was handled.
Don't pity us Maddy (we are fine...and would have been better if the insurance company hadn't gotten involved)...but please don't laugh at the situation either. I can't find a thing to giggle about in any of the dealings! There is good and bad in every situation in life...and the trick is to be able to differentiate! When you've lost that ability...you've lost a big part of your humanity! That's nothing to laugh about!!!!!!