Q: Why do the workers compensation checks stop coming when nothing else has changed?
I've discovered a new tactic used in workers' compensation cases. For the past 30 years I've represented workers seriously injured on the job who get a weekly check. Some have been for more than 10 years. Without exception the checks always stop coming and no one in the insurance company can explain what caused the stoppage or delay. Well, after 30 years of watching and listening it's pretty obvious to me. The ins. co. bean counters have the accounting and computer departments program into the system for the checks to stop. It's my belief they do this for several reasons. 1. So the claimant has to come forward to make sure he/she is still alive. 2. To make the insured more miserable and frustrated so that sooner or later they are willing to settle just to get the ins. co. out of their lives.
Works like a charm. The dead clients never step forward and everyone dealing with insurance claim departments is miserable; making them more miserable seems to wear down even the most ardent widows and widowers.
Bad faith law in Iowa is almost nonexistent. The hurdles to prove bad faith are so tall that only an insurance company exec with the company’s Leer jet could ever get over them while on his way to pick his next unearned bonus check.