I fully understand your point, and I can fully see where I set off a fire in your heart. I have a very jaded and cynical view of the world, & all I can do sometimes is laugh at the irony that a person just trying to do the right thing by being honest, gets the proverbial slap in the face and boot in the ass for not abusing the system like the majority & I agree fully with you, it's WRONG! I only have minimal experience with work comp, but the little I do know is very close to what you have said, where the system seems to have far more denials than approvals (of course I've worked for Gracious & Generous Insurance... we sometimes paid too easily IMHO) ... I'm of the view that this is the response of insurance industry due to being abused & not the intention from the onset. All things come with a price tag in our society, & the unfortunate price in this situation is the hardship placed on those that were doing the right thing.

Slightly off the point, work comp lights a fire in my heart at times too. I know a state trooper that was shot this year, due to the injury being on the job, he was considered a work comp case. I saw through the eyes of his wife the poor treatment he received at the hospital, dr visits, home nursing care, etc. To think his job is to protect and serve all of us, & that's the treatment he receives after taking a bullet? Not to mention that his pay on work comp was only 60% - I found it to be outrageous that this is what my state provides. In order to continue to maintain the family's lifestyle he was forced to use all his earned vacation & sick time so that he'd stay at 100% pay for as long as possible.