Saturday, September 6, 2014

Injured Filing Lawsuits Against Auto Insurance Companies

Sign Petition To Aid Injured In Getting 
Auto Insurance Claims Paid.
Insured Civil Rights | We The People Petition http://wh.gov/lh2k7




Seattle (ESTRA) - No one anticipates having to take their or another Auto Insurance Company to court in order for them to do the right thing.  Yet, many Carriers today find this is to their advantage.  First, most car accident victims do not have the resources to take on well funded corporations, which, by the way have been built upon your premiums.  Second, these corporations spend a great deal of time in Federal Court, in fact, it's like a second home to them.  This places them in a favorable position because they know the people, and know what works to make them successful in court.  Third, if an injured person gets to trial, the cost to get there makes them a loser in most cases.  The Auto Insurance Companies have the best attorney's on retainer, in local communities and in-house, which sets the stage to terrorize injured by subjecting them to every trick and legal tool at their disposal, which will be used. 

A person injured in a car accident who files a lawsuit against an Auto Insurance Company is like bringing a Popsicle to a gun fight.  By the time you go to trial, you are standing there with a wooden stick while the auto insurance company holds an automatic gun aimed at your forehead.  With their ability to pay $500/hour plus for their attorney and a team on staff along with local attorneys in town, surveillance on activities which results in nothing, researchers  performing  back ground checks from the day born, along with a list of medical staffs who must be related to politicians, by the way they perform Independent Medical Exams known as IME which are anything but independent from my experience, you wonder why they call our systems, justice for all, when in fact, its really demonstrates the power of a few from what I’ve learned.

Walking into the den of these corporations is truly eye opening from my perspective.  It’s not for the faint of heart. Being raked over the coals is enough to traumatized healthy people.  For a person dealing with physical injuries and additional losses, it is understandable why so many people just accept approximately 10% of the value of the claim and settle before trial.  But is this right?  And why do they have so much power to harassed and intimidate working class people who typically are clueless to the possible ruthlessness when going down this road?  Injured are only trying to get what they have been promised.  The financial safety net supplied by insurers which is suppose to be there to catch you when falling, which does not necessarily come to past.

In current years, some Auto Insurance Companies have decided that its more profitable for their investors to pay as little as possible out on insured claims.  Insurance Companies' first offer insults not only intelligence, but is meant to check insured desperation levels.  Many insurance carriers believe in holding out until close to end of three years from collision which is typically the amount of time given to file a lawsuit against them.  By this time most working class people are broke, bills are past due, and overwhelmed with problems.  Yes, for insurer, this is the way to breakdown people who were already hurting.  Most of these companies use a computerized model to estimate these low ball settlement values.  For example, if you have a claim that is worth $10,000, do not be surprised by a low ball offer of $1,000.  And why would someone take such an offer?  Perhaps they are about to be thrown out of their residence, or perhaps there is something desperately needed for survival.  If out of desperation, they take this offer, who profits by 90%?  Yes, the insurance company.  Not only are they able to keep premiums, but are also able to keep money that should have gone to injured person. How could some Insurance Adjusters be so callous?  Because they may be receiving a bonus as a percentage of what they save carrier.  But is this fair?  Is this the right thing to do?  How will the injured person survive?   Life struggles due to injury will continue.  These insurance companies could learn a thing or two from the Market Basket Corporation.  

Somewhere in the late 70 – 80’s companies decided the only interest they needed to look out for, is their own, and they have demonstrated this in my opinion, in how corporate America has treated working class people.

Unfortunately, many auto insurance companies have followed suite.  And this is why in our example they could pay out $1,000 on a claim valued at $10,000  without  consideration of the pain and suffering they are unleashing against the very people who helped to build their wealth.  How tragic. How selfish, in my opinion. 


How can you stay away from these “bad faith” companies?  One way is to contact your local State Commissioner and see which auto insurance companies are refusing to pay claims.  You may have look under several of their names since they typically are broken up by subsidiaries, but it will be easy to recognize the behavior. 

Car Accident Author, Advocate, Blogger, Talk Radio & TV Host.
Currently, we have many members of Congress that are more interest in being re-elected and receiving money from lobbyist, than doing the right things for constituents.  The suffering experience to-date by working citizens due to bad polices from this Congress will go down in U.S. History in my opinion.  Until they decide to do their job, we as a country from my perspective are in trouble. 

Make sure to register to vote this November.  Will it make a difference?  Absolutely if tired of lobbyist running the country instead of citizens.

So what will you do when faced with a low ball offer?  Typically its not just the first, but also the second, and third.  Yes they know you are in a pickle, most people are just one paycheck away from disaster, and for a couple years now they have played hardball with claim, meaning insurance carrier has been unwilling to settle.  Don’t you think it’s odd a company that has a vested interest in keeping your money has the right to decide if they give it to you?  Seem like the injured are at a disadvantage.  Why isn’t there a third party which makes this decision within a  year’s time frame, by reviewing claims,  that’s impartial and has no relationship with insurer or insured? The cost becomes part of the premium already paid so there is no unfair advantage by insurance companies.  In my opinion, this decision needs to be taken out of the hands of insurance companies and into hands of a third party who could be more objective in their decision making.

In this way, light could be placed upon “bad faith” behaviors  and corrections made before injured are driven down to the edges of poverty.  It would be better for injured to receive settlement amounts that are fair and equitable in a time frame that protects them the most.  Should you expect an insurance company to counter your settlement demand with a fair offer?  From my experience, some do and some do not.  When auto insurance companies can low ball their insured just because our legislative bodies both at state and federal levels let them, it’s a problem.  People are hurting due to decisions made in a bias, hurtful way in my opinion. 

From my perspective, if you find that an auto insurance company offers you 1% of your claim value as an initial offer, recognize they do not respect you as a customer, and may have personal integrity issues as a corporation.  If they are not willing to off a fair settlement, recognize this is a business decision. One that will eventually turn away customers. 

Whether you decide to accept or decline these low ball offers, remember how this company made you feel.  Do you feel they took advantage of you?  Then know premium dollars are going to the wrong company.  Again, you are the most important person in this equation, therefore do what is in your best interest. 

Personally, I believe working class people need Insured Civil Rights.  Otherwise, there will not be a level playing  field for those injured.  Most injured are out gunned, and a popsicle will not stop the bullets.  There needs to be systems in place that protect the injured, so by end of the process, they are not worse off due to the power and influence auto insurance companies have to delay and deny claims.  If you agree, make sure to go out and sign We the People Petition out on Whitehouse.gov for Insured Civil Rights.  Lets put an end to unfair advantages of auto insurance companies against people injured in a car wreck. 

To Auto Insurance Companies who are treating their injured fairly, thank you.  Car accidents are hard enough without having to challenge a multi-billion dollar corporations with a 12,000 to 50,000 per year job, and little savings.  Keeping your word to insured shows higher levels of integrity.


Working class people cannot out spend auto insurance companies or out last them and they know this to be true.  Most injured are overwhelm by all the paperwork, appointments, attacks on credibility, surveillance, loss of income, on top of recovery which is difficult all in itself.  Most people will choose to settle before trial, because the court experience is unknown and scary. Some injured have been intimidated by discussions of a possible bad outcome, and having to pay thousands of dollars to the auto insurance company if lawsuit is lost.

Again most attorney will not take your case to trial unless worth their while.   Again, most auto insurance companies' prefer to try their cases in Federal Court instead of State court because in my opinion justice leans their way, and they have developed the most contacts in this system. 

Do injured win cases when going to trial?  Yes some do.  But is it worth the cost, the harassment and intimidation, and the additional pain and suffering?  Most auto insurance companies are literally banking that its not worth it for the injured.  And in my opinion, the have the bucks to prove it.

Yet, recognize the final decision is and always will be yours.  Make sure you are ready for the fight ahead, educate yourself on what you will be facing, and for goodness sake, turn in your popsicle for at least a machete. 

Best wishes on the outcome.  Whatever happens, don’ give up on moving forward.  There is always opportunity as long as you don’t give up. 


If you have experience a claim with an Auto Insurance Company, share your experience on twitter hastage #ESTRAsRadioShow.


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Tuesday, September 2, 2014

5 Ways To Make Life Better After A Car Wreck


Seattle (ESTRA) - By keeping actions simple and easy every day, fruitful progress can make life better after a car wreck. Holding stress levels at minimums will help with recovery and provide enough energy for encouragement. This allows rebuilding back to a future of opportunities.

Start by taking care of yourself.  Confusion and loss of clarity arises by not focusing on personal needs.  The medical care required may be exhausting from a physical perspective.  Pain levels can interrupt thought processes and abilities to make good decisions regarding health, financial, and insured claim choices.  Therefore, using simple and easy tools to evaluate whether it is a good time to provide answers to question or perform activities, can support efforts of being your best advocate and allow life improvements achievements.

In might be helpful to think of the Auto Accident Process in terms of injury to recovery.  The initial shock of injury is the beginning of this process.  And, depending on seriousness, it can take time for the mind and body to register current condition.  Adjusting to this realization helps entire body to cope with new found injury, from my experience.  Allowing body to rest and recovery is one of the most important things.  This sounds easy, yet if life has been moving at torpedo speeds, putting on the breaks of life and slowing things down, may take more discipline than first acknowledged.  Most people have ample demands on their time and were not expecting to have to delegate these responsibilities.  Delegating is one of the best things you can do on initial impact for recovery, from my perspective.  Sometimes this is not possible due to having much of the information in your head and not stored away. If something can wait, make sure to give yourself this time.

Most injured do not like being slowed down. But unfortunately, for whatever reason, most people in their lifetime will experience down time in one way or another.  The key is to use it to make life better, by evaluating where you are now, how you can get to where you want to go, and by not getting stuck in a bad situation. Take what is ever given to you, and work with it, to make life better, one day at a time, one problem at a time, one injury at a time. 

Court System justice is based upon financial wealth.
No Health Insurance? Consider signing up when open registration is available for the Affordable Care Act in your state. Is your representatives refusing the money?  Recognize their choice is hurting you when going to the polls in 2014.  From my perspective, there is nothing worse than needing healthcare, and having no resources for getting help, especially at the onset of injury. Depending on health problems, this can make a difference in the future.  The key about medical care is understanding condition and available options. 

There will always be problems in our lives, whether they are from a car accident or something else.  They key is not to become overwhelm by them, but choose to work through them.  If you can immediately resolve them, do so.  If not be patient with yourself and the situation.  Can you look back in time and see problems that were eventually resolved?  Typically this is what happens in most circumstances.  Now grab a little entertainment and relax.The key is recognizing value of entertainment and need for down time. 

When needing help after injury, personal support systems are important.  In a world that seems too busy to build relationships in person but seek them through mechanical devices, remember this, human interactions builds social skills which effectively enhance abilities to communicate.  This may become a lost art, which means our abilities of understanding and walking in each others shoes may become more difficult. Spend time developing relationships with those you interact with on a daily basis. When the rubber meets the road so to speak, they are going to be the ones to help pick up the slack.

Personal confidence can be shaken after being involved in a car accident.  Yet, remember, you've have always been you since the day born.  Since beginning, you’ve grown into who you are today, with all the bumps, stumbles, and successes.   Collisions present new hurdles to overcome.  Just as in the past, these challenges are doable.  Keep confidence and credibility by recognizing who you are, hold on to it, don’t allow it to be pulled from heart and hands, by those with self-serving interest.  Some people along on your journey will be there to help, others will not.  Regardless of good or ill will intentions, keep moving through this world with the ups and downs presented just for your life. 

In summary, here are the 5 ways to make life better after a car accident:    

  • Rest and Recovery will aid in making the best decisions.  
  • Routine Medical Care in initial stages of injury brings understanding about condition and the available options
  • Entertainment while injured provides down time and builds up time.  
  • Making connections and building or developing relationships.  
  • Personal Confidence and credibility will take you over the finish line.

If you have experience a claim with your employer, share your experience on Twitter hastage #ESTRAsRadioShow.


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Sunday, August 17, 2014

Can Insured Civil Rights Help Injured?

Insured Civil Rights promotes fair reviews of Auto Insurance and Employer Benefit Claims.  

Seattle (ESTRA) - Why Insured Civil Rights? Many people injured in Car Accidents can spend up to ten years waiting for a fair and equitable settlement, only to be worse off by the end of their claim.  In fact, far too many find themselves living at poverty levels by no fault of their own.  Congress supports the Insurance Industry through their interactions with Lobbyist, allowing a lack of legislation which could aid insured in receiving prompt payments and legal avenues to move their claims forward in a timely manner. Insured Civil Rights could make this possible and empower Car Accident Victims by creating a level playing field to Insurance Companies with vast wealth and influence.

Most individuals start each morning planning on what needs to be accomplished during the day.  The last thing on their minds is an unexpected collision.  Those who walk away are lucky.  Those injured will have to overcome their physical and or emotional trauma.  The most unfortunate, are the ones who are unable to walk away, and have their lives taken. 

After any accident, most will have to deal will an Auto Insurance Company at minimum.  This interaction can be a positive or negative experience.  Or move from one to the other.  They key is understanding what this process will mean to you, and it’s impact on daily living.  Many people involved in a car accident must also deal with Employers, too.  Learning in advance about rights, responsibilities, past and present behaviors of the corporation will aid in making a plan on how to deal with processing claims, and learn the type of treatment that is customary from those you interact with including an initial interview with auto insurance carriers, request for property damage estimates, request for medical conditions, wage loss request, claim applications to fill out which give authorization from them to receive information directly, just to name a few tasks most people go through. 

Insured Civil Rights would give the injured an opportunity to be compensated in fair, timely, and appropriate ways.  There needs to be deterrents in place against delays, denials, and intimidation to eliminate legitimate personal injury claims by those corporations that benefit from the premiums of insured and choose to pay claims or keep the money.  Insured Civil Rights Legislation in place to protect the rights of injured, supports personal injury victims ability to defend themselves and receive benefits when it can do the most good, immediately.
Insured Civil Rights would eliminate auto insurance policies with clauses which negatively impact their client’s ability to receive settlements in short periods which helps recover from circumstances.

The mission of Insured Civil Rights is to provide individual protections when a participant in Employer Group Benefit Plan or consumer with an Auto Insurance Policy is involved in traffic collisions and find themselves at the mercy of bad faith practices. Legislative Protections in place which denies corporations the rights to stall processing insured claims unnecessarily, thus, creating personal harm and financial losses in order to cause desperation and willingness to settle for far less benefits because of survival needs.  By approving Insured Civil Rights Legislation injured could expect help in a reasonable amount of time, just as in the case for vehicle property damage or commercial claims request.  Why should Employer Group Plans or Individual Auto Insurance Plans be excluded?

Every person deserves to be treated with respect and dignity.  And thankfully, many do remember this basic virtue. Yet, sometimes a community or country forgets this simple message that fairness promotes a healthy community and society.  When unfair practices occur on a regular basis against insured, too many of their lives spirals downward, dashing hopes and dreams for recovery or a better future. Eliminating or reducing productivity of those individual who could once again aid in making their communities and country great.  Again, disrespect breeds dissatisfaction, delivering negativity to those unable to merge it with good things to squelch distrust, disbelief, and treachery, which begins to reduce the quality of life for everyone.

In summary, Insured Civil Rights can be define as the ability of insured to be protected from lengthy delays, denial, or extensive court trials use to cause serious harm in order to reduce fair settlements and intimidate people injured in Car Accidents.

Going through the claim process in my opinion, is like navigating a maze with cake and scorpions.  And by the end of the process you never know if the help promised in a difficult situations, will protect against losses, meaning the cake, or, struggling with pain, suffering, and losses, due to not receiving the help you thought would be received, which represents the scorpions. 

Therefore, do not invest too much hope in receiving the care and services promised, because the level of treatment is typically subjective, in my opinion. 
Be best advocate in this situation by taking care of yourself.  And if you receive  fair treatment from Insurance Carriers, tell this story too. 

Frankly speaking, lobbyist and the insurance industry have too much control over decision making of settlements.  An intermediary between the company taking in premiums and paying out claims would provide objectivity in making determinations.  When the same people who have a vested interest in not paying out personal injury claims are the same ones who decide whether to pay it, in my opinion, injured are placed in a vulnerable position.  

These carriers make the choice whether to pay immediately, which by the way, is occurs with a corporate claim.  This rarely happens for individual involved in a serious claim.  Next, Insurer can decide to delay claim, which in most cases harms the insured due to a lack of income to resolve immediate problems themselves, hence, reason for the insurance policy in first place.  Many families have suffered undue stress because of personal injury where work time is lost, and savings are minimal.  A third option for an insurance company is to outright deny claim or force insured to file a lawsuit against them.  From my perspective, this happens mostly with those individuals with least resources because many may give up claim. The Insurance Industry has profited significantly on the backs of their insured, many whom are unable to bear such a heavy burden. 

An Insured Civil Rights would be an added protections against many of the injustices faced after filing a claim against a policy.  The goal is to provide the assistance policyholder before incurring significant losses.  In this way, no clauses or bad faith behaviors could allow these large corporations to delay and deny policyholders help needed to overcome problems which arise from being in a car accident.  There has been an increase in the number of companies offering Pre-Settlement Loans, which come with a high cost to insured. Yet, many have few alternatives now in order to survive hardships cause by collisions.

This one sided level of power hinders insured ability to protect themselves from unfair or slow payments by Insurer. An Insured Civil Rights could put protections in place to solve many of these issues.

Most people can understand the crucial need for a steady source of income.  In fact, this is main purpose for auto insurance, unemployment, or long term disability, and social security.  These systems are in place to help protect individuals when something goes wrong, and provides support in times of trouble.  When those systems fail poor and middle class families, many do not have the resources to adequately recovery from these concerns and many people would fall down with little means to lift themselves up again.

When Insurer's make decisions not to support insured as described in policies large print, many clients miss fine print, or extended number of pages to read through, where corporate lawyers slip in a few clauses to allow them to skip paying claims. The auto insurance industry knows how devastating a lack of income can be to a person injured in a traffic collision.  They know most are under a great deal of pressure already financially.  And, unfortunately, some of them will used this against their own insured and make life more difficult instead of being there to relief some of their pain and suffering per insurance policy agreement. 

Insurance Companies and corporations like them are supposed to be light in a dark time for their insured.  In fact, this is what their clients depend on.  Each and every time a client is let down by this industry, is shines a light on bad faith or unfair practices.  As has been documented by research, a dissatisfied customer tells more people about what has happened to them than a content one.  And, by looking around the Internet, it is easy to see these stories are growing. 

Investors may be impressed with larger bottom lines, but insured certainly are not when their claims are delayed, denied, or fought in court for a fair settlement.  There was a time in our country where our leaders lead from in front, where integrity and pride in personal accomplishment stood tall above all else in society.  Sadly, it appears more and more leaders are leading from behind, and the quality of choices they are making shows.  Lets hope this behavior is soon placed in remission, being replaced with greater respect and dignity for claims from the insured. Let the world once again can see the value in respecting those who use what they have responsibly, especially when they have been made giants by those with the least.

If you have experience a claim with your employer, share your experience on Twitter hastage #ESTRAsRadioShow.


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Sunday, August 10, 2014

Why ERISA Hurts Employees

Will you be the next victim of an ERISA denial by Employer?
Seattle (ESTRA) - Congress approved ERISA Legislation which provides unfair advantages for Corporations. In fact, there is no recourse in the law which provides compensation for Employers holding back benefits just because they can.  Most Employees are a single paycheck away from losing everything.  Unfair legislation such as this encourage taking advantage of workers instead of treating them with respect and dignity.

Imagine, being in an enjoyable job which for most people today is rare, unfortunately.  Most disabled who are able to return to work realize it is a privilege to get up each day and perform daily living activities, including work.  In my opinion, for most, the joy this bring is unimaginable unless you’ve lost the ability to function on some level, and must deal with such restrictions.  The saying, “you don’t miss the water until the well runs dry”, is applicable in this case.  And, a worst experience from my perspective, is the use of ERISA legislation, power, and influence as an excuse to deny a long-term disability claims by employers whom received the faith and trust of employees, putting life goals and career aspirations in their hands for eight hours per day, and giving them your best work.  Ouch!  The betrayal may be worse than the injury, for most workers.  Workers like family, really?
Even with corporate wealth are unfair denials.

But the true problems lay with U.S. Congress, both the House and the Senate.  They are responsible for this written legislation which self-insured corporations follow.  Perceptively speaking, employer and insurance company lobbyist, have left gapping wholes in the lives of the injured by allowing these organizations free reign to do as they please regarding these claims.  By giving employers power to deny employee benefit claims without any repercussions, allows their investors to profit off the suffering of past employees.  

Why would Congress write into legislation no options for employees to be compensated for losses incurred for breached ‘bad faith’ decisions by private corporations?  It’s like telling them it is ok to deny disabled their benefits.  Although comments made by individuals describing these ‘bad faith’ behaviors by private companies are posted over and over again via internet, and buried by individuals or corporation who would prefer their conduct remain underground via web, there are far too many individuals facing this same fate, causing these comments on these incidents to grow.

Think for a moment of being injured, yet comforted that a decision was made in advance to sign up for a group long-term disability policy with self-insured employer.  Never realizing someday there would be a time for use however it turns out there is a need for benefits after all.  Most employees have no idea the degrees some employers will go through in order not to pay benefits.  Most workers are trusting, relying more on relationship development during working years.  But can you really rely on this?  In fact recent surveys have come out stating employee’s satisfaction with employer benefit plans are decreasing.  

The hidden numbers of disillusion employees who’ve received a letter in the mail from their employer or LTD contractor can vouch for levels of dissatisfaction after being denied benefits initially, two, five, or ten years later.  Sadly, many of these sick and injured people suffer loses in silence.  How often do we hear these statistical numbers of these abuses?  Traditionally they are not out in the open.  Otherwise, in my opinion, many would be dropping out of their group insurance programs like someone yelling fire in a crowded nightclub.  Imagine the surprise.  In fact, current ERISA legislation has enough loop holes for insurance and employers. 

First, are there in corporate legislation written by Congress where you cannot sue for unfair or bad faith behaviors?  I personally have not found any.  Only in ERISA Self-Insured Group Insurance Policies is this possible.  Who would have thought this type of injustice would pass through Congress?  Did you know they passed legislation for corporations to be paid out immediately after disasters?  Yet, those unable to foot an additional month of bills are expected to wait years.  How is this fair?  More importantly, why hasn’t Congress made reforms to ERISA to correct this horrible injustice?  Perhaps due to money, greed, and power in the hands of a few?  Is Congress less concerned with a level playing field?  There is one thing you can help, vote.  Voting in 2014 for people who are interested in the average citizen’s life.  People unwilling to ignoring what the majority value, such as ERISA Reform.  

U.S. House and Senate can Reform ERISA today.

From my perspective, there will be no changes in Congress’ behaviors until they are held accountable for their actions or lack thereof.  ERISA Reform is a great place to start because of the impact it would have on those with the least resources.  This Congress has passed the least legislation, and what they have passed has not been in best interest of poor or middle class people.  We hear a great deal of talk about help, without actions.  Talk is cheap, and in my opinion, each year, its value becomes worth less and less, because their words are not attached with actions, especially in Congress.

The goal of ERISA in the beginning started out as a genuine good idea to protect workers.  The need for legislation of this type is an indication that many employees where not getting a fair shake when applying for benefits. 

This legislation started out to be in the best interest of workers, yet turned out to be in the best interest of corporations.  As when money gets into the mix via lobbyist and corporations mainly managing ERISA, well intention legislation can turn into unfavorable position for those who need it most, poor and middle class employees.

In my opinion, the biggest mistake in this legislation is the little recourse available to insured with requesting ERISA Benefits from Self-Insured Employers.  When companies realize there is a not consequence for bad behaviors against insured, some exceed with plans to eliminate legitimate LTD claims, from my perspective.

The second mistake in my opinion, is allowing same company that benefits from claim denial to review worker’s claim.  Approving insured does nothing for their bottom lines and provides no incentive to be fair, especially with no repercussions for unfairly denying benefits.

It is up to Congress to amend these laws in order for them to level the playing field for workers, for which it was intended.  There needs to be timelines for benefit payments to workers and a magistrate, someone outside these companies to review claims as part of the process.  In my opinion, this would cost less and could be a part of the plan.  This would protect employees from having to fight their employer in federal court, which primary favors large corporations which typically fight their cases there.  Furthermore, allow these cases back into State Courts which provide an opportunity for sick and injured employees to receive a justice.  I suspect less money would then be pocket by investors and employers and rightly benefit those this plan was set up to protect.

Making changes to the current legislation which provides a neutral third party with no ties to self-insured corporations or their associated lobbyist such as a magistrate to review validity of claims would ensure a greater chance of a fair claim review.  From my perspective, fiduciary responsibilities over ERISA are difficult for some corporation to strike a fair balance between investors and sick or injured employees. 

Employees often experience intimidation after filing LTD claims by Employers.

Another important thing to do is remove clauses placed in Employer Benefit Polices which allow abuses against insured.  They provide opportunities for employers to cancel or eliminate benefits paid.  Making these games illegal would also aid in claim process fairness.   From my perspective, clauses are disguised for employer protections used to eliminate legitimate claims.

Allowing the sick and injured to be self-sufficient after injury helps take care of medical, physical, emotional, and financial well-being of these individuals.  In my opinion, when receiving the benefits they paid premiums on, it allows them a quicker recovery time, provides the safety net promised, and creates trust between employer and employees. 

Another question I would ask Congress is to consider not giving corporation outs on defining disability.  Social Security Disability Insurance has one of the most restrictive requirements.  In most cases, far more in depth than corporations, yet, many of these companies clauses placed in the group policy plans allow them to escape paying out claims.  Again, Congress it is up to you to do right by workers.  Revise ERISA, so these loopholes are eliminated for corporations.  Tighten ERISA so it provides fair coverage for people injured in a car accident.

Again, many changes to ERISA would provide insured with hope of a least having a fair shake when their claim is being evaluated.  The employee’s survival risk increase when denied auto or long-term disability insurance.  It’s unfair for most sick and injured to lose not only the jobs, but assistance with livelihood which they were told would be available if an unforeseen event occurs.

ERISA can be a force for the protection of workers, when more workers are included in the decision making, fair legislation is put in place, and corporation views fiduciary responsibilities for the worker and not the investor or themselves.

If you have experience a claim with your employer, share your experience on Twitter hastage #ESTRAsRadioShow.



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A lot can happen in the first year of a Car Accident. Typically this includes dealing with Auto Insurance Companies, Employers, Long-Term Disability Companies, Social Security, along with injury concerns. This can add up to a long twelve months, or feel like it in a less amount of time. It has been said that laughter is good for the heart and soul. Rejuvenating a weary mind and body after dealing with Car Accident issues and concerns brings a renewed strength. Recognize if going through this process, ESTRA understands and will be here to provide information, encouragement, and advocacy to provide wisdom, knowledge, and support through the process.