Accident Fund Insurance Company of America is going to be in deep, deep shiat if they continue to deny this claim. I am not as familiar with Missouri Workers comp law, but I handled workers comp claims for 20+ years in Iowa and this kind of crap would earn the company sanctions and stiff penalties under Iowa law.

I would almost be willing to bet cash money damn near every workers comp attorney in Missouri is calling on this guy, just champing at the bit to take the case. The insurance company is going to get reamed if they don't wise up.

It means something like this:

"We are a big, important insurance company and this guy is a middle aged, low income Ozark yokel we figure is too dumb to fight a denial."

BTW, you didn't hear it from me, but there is a link in the story to the insurance company's web page, not that anyone here would ever dream of letting them know what a bunch of douche bags we think they are.

Aulus: It means something like this:

"We are a big, important insurance company and this guy is a middle aged, low income Ozark yokel we figure is too dumb to fight a denial."

BTW, you didn't hear it from me, but there is a link in the story to the insurance company's web page, not that anyone here would ever dream of letting them know what a bunch of douche bags we think they are.

You mean leaving an email to the effect of, "since you clearly believe in acts of God, consider that it will take one for you to stay in business if you persist in denying this claim."?

Its been my impression for a few years that it is standard procedure for insurance to deny a lot of claims, based solely on knowledge that if they do, X % of those denied won't fight. Which in turn makes money as a strategy, even if you do have to pay out in the end.

Perhaps an insurance adjuster could confirm that for us.


Saw this happen to a family member back in the late 80s, claim was valid, insurance denied anyway. In those days without internets to consult, it was a pain in the butt to fight.

He assumed workers' compensation would cover his bills, but his claim was denied "based on the fact that there was no greater risk than the general public at the time you were involved in the Joplin tornado," according to a letter to Lindquist from Accident Fund Insurance Company of America, his company's workers' comp provider.

Workers' comp is usually strict liability. Is it an on the job accident? If so, you're covered. It was intentionally designed not to look at fault or risk. Under the old system the employee would sue the employer for negligence for making him work in a tornado and the employer would say it's your fault for working in a tornado and the case would dissolve into a big, swirling, dusty mass of lawyers.

And thats what you get for trying to help


Dont help. Its every man for himself. You know, the American way.

fusillade762: his claim was denied "based on the fact that there was no greater risk than the general public at the time you were involved in the Joplin tornado,"

WTF does that even mean?? Anyone familiar with lawyer-speak want to parse that bullshiat for me?

It means "there was nobody's life worth saving above your own and since you took no precautions to protect yourself we aren't paying the claim." Kind of like if you work on a construction crew and the employer says you are required to wear a helmet; then if you walk into the zone without a helmet and get hurt they can deny your claim because you were being negligent and not following proper safety precautions.

Anywho...it is all bullshiat and the insurance company should pay his claim. It was an emergency and he improvised to the best of his ability since there were no buildings or basements to get the clients into. Maybe it is a bad call, maybe not, but the fact remains he was still at his job performing his job duties which involve protecting their clients from harm.

hey, if you don't want to be poor, just get some cash together.

duh.

NewcastleBrownAle: cgraves67: I don't know anyone who went into social work for the pay and benefits. Then again, I only know one social worker. I won't disparage the work that she does, but it's not a career for getting wealthy.

You're right! Fark them social workers for not being greedy assholes who need to be wealthy. Let them rot and die! They should have seen it coming and invested in gold or something brilliant.

i'm sick of this assumption that greed is the sole motivator for progress. not everything is market driven, much the modern conservative would like to think otherwise. for example, Jesus Christ was not in it to get rich. They like that guy, but he's just not greedy enough for their financial beliefs.

bacccc

This happens thousands of times / day. This particular instance just happened to garner some press given the circumstances.

/American Healthcare = Go somewhere and die

I know a number of conservatives, all of whom adamantly believe that health care is a privilege, not a right.

/they have insurance