August 26th, 2011
People often question whether insurance companies work for doctors, especially in some cases of worker’s compensation. In a worker’s compensation claim a worker is supposed to be reimbursed financially for an injury that he or she acquired on the job. The claim goes through the job, then to an insurance company. This insurance company may send the injured worker to a specific doctor that it has lined up. The insurance company does not work for that doctor, but it may prefer that specific doctor for several reasons which will be covered.Didn’t catch that? This explains it.
Before payment of a worker’s compensation claim, the injured worker must see a doctor who is specified by the insurance company. The worker must have a physical examination by this doctor only. The doctor will then write up a diagnosis and recommendation and the insurance company will act based on the recommendations of that doctor.
Many times the doctor that is chosen by the insurance company will make a ruling that the injured worker is not injured at all. In cases like that, the insurance company will deny the claim. Other times the doctor will diagnose the worker as eligible to return to work in a very quick amount of time so that amount of award to the worker is very low. The insurance company does not work for the doctor, nor does the doctor work for the insurance company. However, it sometimes seems as if they are allies.