Employers are legally required to carry workers comp insurance. But when a work accident arises, is it the employer or employee who’s protected? Enter the case of Mark Marusza. Marusza was a truck driver for Detroit Intermodal Transportation who was injured in an accident while at work. Suffering from broken bones along with a neck and brain injury, Marusza submitted a workers compensation claim and has gotten resistance every step of the way.
It took two years for the insurance company to approve surgery for his neck injury alone. Even after multiple doctors acknowledged his traumatic brain injury that resulted in a host of neurological issues, insurers refuse to cover his treatments.
Eventually, he was referred to an Independent Medical Examiner – a peculiar name for a doctor chosen by the employer itself. Immune to malpractice lawsuits, these doctors diagnose patients, often within a few minutes, and help insurers determine if workers are truly in need of benefits.
Or at least, that’s what they’re supposed to do. Two out of three doctors diagnosed Mark with no brain injury. Disregarding the opinion of the third, insurers ceased medical payments for his injury.
Shortly after, Mark lost control, accusing his wife of putting onions in his breakfast. With a gun in hand, he threatened to kill his family. Fortunately, police were able to diffuse the situation. His doctors stated his brain injury caused the outburst.
Insurers Resisting Compensation
Unfortunately, Mark is not alone. Thousands of people have experienced difficulties obtaining workers’ compensation. If you’ve suffered an injury at work, immediately seek the advice of a workers comp attorney. Often, the actions taken during the initial stages of the claim can be the deciding factor when it comes to receiving benefits and a good settlement.