The Claims Journal (an insurance industry periodical) recently published an interesting study. The California Workers’ Compensation Institute (CWCI) studied workers’ compensation claims involving spinal fusion surgery. According to the researchers most of these claims were initially reported as back strains.
The study is interesting. Yet, the results are not surprising. I have represented people in serious Alabama workers’ compensation and personal injury claims for over twenty years. In workers’ compensation claims, employers and their insurance carriers frequently under-report serious injuries. It’s not unusual for a workplace back injury to be under-reported as a mere strain even where the worker is experiencing symptoms classically associated with more serious spinal problems.
Employers and insurance companies initially under-report injuries in order to save their costs. Yet, the long-term impact on an injured worker can be tremendous. Here are three ways employers and their insurance companies under-report workplace injuries.