No doubt that Texas Mutual is thrilled. Policy holders can’t be sued, claimants are forced into the workers’ compensation system where their claims can be denied and their cases defeated by the carrier’s redefining any compensable injury as a mere sprain / strain or contusion. This leaves the claimant at the mercy of hearing officers who require multiple experts in order to prove causation and extent; even a for claimant who falls and breaks a leg. Claimant’s doctors rarely testify, when they do testify hearing officers rarely find their testimony credible, the claimant cannot prove up their case without experts, and the carrier wins. “Touchdown!”
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No doubt that Texas Mutual is thrilled. Policy holders can’t be sued, claimants are forced into the workers’ compensation system where their claims can be denied and their cases defeated by the carrier’s redefining any compensable injury as a mere sprain / strain or contusion. This leaves the claimant at the mercy of hearing officers who require multiple experts in order to prove causation and extent; even a for claimant who falls and breaks a leg. Claimant’s doctors rarely testify, when they do testify hearing officers rarely find their testimony credible, the claimant cannot prove up their case without experts, and the carrier wins. “Touchdown!”