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Saturday, March 2, 2013
You & Employer Disability Harassment
SEATTLE (ESTRA) --Why are Insurance Companies and Employers excluded from the laws
of harassment?Why would it be ok to
intimidate Group Disability Insurance Policy Employees while no other citizens are
subjected to this behavior? In addition, why would Officers of the Law ignore request
for help by the injured?Who has given
them a pass on bullying behaviors, which impacts negatively on injured Employees? Should Employers have these rights just because they are required to
pay out money on a disability claim?How
is this fair or just?
is the traumatic effect on people who are already injured, and most times, at
their weakest moments?How many cave in to drop their claims
because they buckle under the weight of pain, suffering, and now loss of income
they thought would be available if tragedy strikes?Yes,
currently an Employer withholding disability income benefits from an Employee
have few or little consequences, thus, makes it an attractive alternative to
paying out claims.By limiting the amount of
reimbursement for such malicious behavior, Congress has unfairly targeted the
injured for mistreatment, in my opinion.
poor have gotten poorer, the middle class drop to poor, and the wealthy fight
back like crazy! Why should injured have
to fight for the right to be treated with respect and dignity through this
process? Should the laws of our land
protect injured and sick? These laws apply to Individual Insurance Policies, why would Employer
Group Insurance Policies be excluded? Why
would ERISA, which is the legislation created by Congress, give them more
rights and privileges than those injured whom supposedly these laws were
initially created to protect? It is time
to ask your Congressional Representatives this question, “Where do you stand on
this issue? And, would you vote for ERISA Reform to make it fair for injured or
in claim process, a stage is set for injured to feel safe and secure for
working on their injuries. Most bend
over backwards to provide the answers requested by insurance companies or
employers. Many are surprised, some
sooner others later, when receiving a letter that their benefits stopped, or worse, their regular benefit check does not show up when
expected. Next, add the ploy of an
overpayments scare tactics which many times intimidate Employees into
relinquishing the rights and benefits. This may compound the feelings of
loss and despair for too many individuals.
Is this why you were paying premiums
each pay period? Are you expecting a safety
net in cause of trouble? In these instances, benefits don't come. Now you have to
hire an attorney and fight for 2 – 10 years for benefits. This becomes a time of great endurance of
suffering and loss for Employees injured in a car accident.
to injured should not be dropped at the discrepancy of Employers since they
have a vested interest maintain profitability of their bottom line. Isn’t this a conflict of interest? Is it this desire for profitability that
engages many in Disability Harassment against Employees? If so, should there be something in place to
discourage this practice instead of using it with vigor? How about a requirement that all profits they
make in those 2-10 years are pro-rated to their insured? Would this change a behavior that is
typically industry wide? Imagine the
amount of suffering it would reduce.
injured could recover sooner and get on with their lives? How many of their family members would not be
overly burden? How many relationships
could be saved because of less stress? The “what if’s” are endless.
So next time you write or talk with your Congress Representative
ask them to Reform ERISA. Make it the
same as an Individual Disability Insurance Policies. With these policies, harassment and
intimidation practices have consequence the injured can act on upon to curb
behaviors which inflict pain and suffering in an effort to eliminate paying out
disability benefits to injured or sick people.
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