To: Cactus Jack who wrote (59481 ) 10/27/2003 6:21:55 PM From: Sully- Respond to of 65232 Hi jpg, Considering the responses I've received both on SI & as part of my personal experience dealing with this, it seems that I'm not the only person to experience what I'm going through. A lot of folks suffer from chronic pain & many get little real relief. And like a lot of things in life, many folks won't realize how bad the system is until they experience it themselves, up close & personal. As I've stated many times in the past, when money & power are involved, things like laws, morals & ethics are quite relative. Add to my situation that this is a Worker's Comp claim that should have been resolved more than 3 years ago, I have little doubt my insurance company is doing as little as they legally must do. No doubt that they know that Worker's Comp screwed me illegally, but my claim was "officially" terminated only after numerous illegal delays, denials & fraudulent reports, eventually leading to them falsely stating I suffered only a bruised knee, from which I had fully recovered. And that blatant lie is now the official truth on the record. I never lied about my situation or falsified any reports about the nature of my injury when I used my health insurance to diagnose my problem, so they know the score. I think that my health insurance carrier is taking the path of least resistance (read costs). Throwing me out on the street means potentially severe negative publicity, plus a sticky legal position for them. Worker's Comp has already officially terminated my claim, albeit they violated numerous laws achieving their fraudulent diagnosis in the process. No doubt you know that my health insurance wants no part of potential litigation against Worker's Comp, the state, &/or myself, plus public opinion. And what other choice would they have? If they refuse to treat me by claiming it's Worker's Comp's ultimate responsibility, they would have to defend their position at great cost, while facing the potential of a huge public PR fiasco, again at great cost. Besides, the potential of letting the dirty tricks that go on behind the scenes with these insurance companies get into the public domain might just result in unforeseen problems and serious costly changes to the system (to the benefit of Joe average citizen). However, doing what they are doing right now means they won't approve anything unless there is absolutely no other choice IMVHO. The status quo remains intact. And it's the least costly situation for them. Besides, just like Worker's Comp, they only ruin one life at a time. And that's not news worthy since it can be brushed aside as a unique situation that rarely occurs & therefore it isn't a systematic problem. JMVHO from an extensive first hand experience. BWTHDIKA? I could be wrong. I mean I only successfully exposed fraud & abuse for more than 13 years as a Federal auditor. And this situation stinks as bad as any I've ever seen.