Workers’ compensation is designed as no-fault system within which it should be fairly easy for an injured worker to obtain benefits for lost wages and medical expenses. In practice, however, things are not always so easy since we are not only dealing with employers, but with workers’ compensation insurance companies. Like many insurers, workers’ compensation insurers have a habit of minimizing payouts by denying and delaying claims to the fullest extent possible.
This issue was recently weighed by journalists for the Civil Beat Honolulu. Writers describe a workers’ compensation system that is in many ways broken.
According to the report, an injured worker who has been trapped in a bureaucratic nightmare that is the workers’ compensation system there since he was injured on-the-job. He was working on a construction project in which he was required to handle wet concrete. He was on a raised platform with a concrete pouring hose when the weather turned bad. Due to wet conditions, he fell to the ground and severely damaged his knee. He was in incredible pain. This on the job accident occurred 10 years ago, and he’s still fighting with the workers’ compensation insurer. Continue reading