Cumulative trauma (CT) injury claims are crucial for workers who have been
hurt at work over time, not within a single instance or accident. Oftentimes,
a CT injury claim is filed by an employee who was
exposed to toxic substances for many years, or who completed the same action again and again, ultimately
repetitive stress injury (RSI). The benefits gained through a workers’ compensation claim
for a CT injury lets those employees pay necessary bills, keep some form
of gainful employment without worsening their injuries, and try to enjoy
as comfortable a life as possible given their condition or illness.
Despite all the necessary benefits CT injury claims provide honest, hard-working
employees, CT benefits as a whole might soon be weakened. There are rumors
within the Congressional world that insurance company lobbyists are planning
on pushing for legislation that would reduce the benefits of CT injury
claims in California, and possibly elsewhere. They may also have the intent
to make it more difficult for people to receive those benefits, ultimately
saving their companies big money at the expense of people who need help.
Clearly, the weakening of CT injury claims and their benefits should not
will hurt workers who need financial support more than ever. Yet beyond that
main reason to not dismantle or reduce key parts of the workers’
compensation program are even more reasons why CT injury claims need to
be maintained as they are, if not further strengthened.
Here are five key points regarding the importance of CT injury claims and
fair insurance policies:
- California insurance companies maintain nearly 9% in profits on workers’
compensation premiums, nearly double the average national rate. In short,
insurance companies in the state arguably do not need any more income,
especially if it means hurting policyholders.
- Employers in California are already paying less and less for workers’
compensation claims, with a dramatic 17% drop in less than 5 years.
- The opioid addiction epidemic is the least impactful in California, with
the state having the lowest rate of prescriptions for opioid painkillers.
Some insurance arguments for weakening CT injury claims are based on the
notion that they are enabling opioid abuse.
- Medical provider fee rates in California have recently declined about 2%.
The trend may continue.
- Indemnity benefit payouts increased 13% since 2012, meaning people have
been receiving full benefits coverage more often. This is an inclination
everyone should want to see carry on.
As steadfast defenders of the rights of the injured American worker, the
Law Offices of Wax & Wax and our team of Glendale workers’ compensation
attorneys have a keen interest in legislation affecting workers’
comp benefits and related regulations. Be sure to
visit our blog routinely for any critical updates about this ongoing story. If you need
help filing or appealing a workers’ comp claim of your own, you
should feel free to
contact us by calling
818.946.0608 and requesting a
free case evaluation.