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The Forum > General Discussion > What is the point of worker's compensation?

What is the point of worker's compensation?

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WC is equally onerous on small business. It is not insurance against costs of an injured employee so much as a scam where the costs to the employee will be delayed, but ultimately gouged back thru steeply increased premiums. In answer to my question "what happens if one of my employees is severly injured?" my insurance coy. rep said "off the record, bankrupt yourself before we bankrupt you, we will double then redouble your premiums until we get our money back".

The average cost of an industrial death is over $16 million in NSW, almost all of it spent on the gravy train. Good for lawyers and insurance companies.
Posted by palimpsest, Friday, 27 February 2009 3:13:30 PM
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This interests me examinator, Fractelle has it right, a job is nearly the first thing victims want.
The first is to return to the way things had been one day before the cruel event.
Wish I had seen it ,I am very much a follower of Shorten, and those he left behind to lead on entering Parliament.
Strange but true, in its efforts to cut workers comp costs the Carr government did far worse than the last Liberal government in NSW.
If we could get a sliding scale of benefits that only had to be proved not fought over.
If bosses and employees lawyers acted only in the workers interests we would see money go to victims not ambulance chasers.
Unions, two, one branch one full union left the NSW ALP in a stand against dreadful insulting changes to WC, I remain extremely proud of that action, we did return.
Posted by Belly, Friday, 27 February 2009 4:18:50 PM
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Fractelle, RobP, palimpsest,others
WC’s focus is wrong in my opinion. It should be geared to giving the individual a life not a pocket full of money and goodbye and bugger you. By all good cost benefit analysis this system is dysfunctional. Like the lady on TV Social Security to provide services to help ameliorate the problem and get the person back to work where appropriate, reduce the cash in hand kiss off. This would also limit the impetuous for frauds.
Social Security shouldn’t be run like a bloody commercial insurance company…whose main focus is on profit therefore not paying out and to hell with justice or the genuinely needy.
In truth WC should be truly universal no self insurance by the big corps, then gouging recovery wouldn’t be necessary.
As it stands the injured employee signs away their right to any further claim. In reality the injury will get worse as they get older.

They need real retraining/help not a pittance.
As for Centre Link employment agents… a waste of tax payer’s money (sorry Mrs R But they are). If you’re ‘this’ class of client they’ll do UP to X and no more, If ‘that’ category Y. When the money runs out so does their interest.

Imagine if this lad goes back to uni to get extra training how does he pay 2 X HECS debts and how does he live in the mean time.

Mean while endless knock backs and Centre Link on his case to get a job and they’ve told him he won’t get dole until his bank is less than 2K. He’s depressed … why? It’s all too common.
Yes folks I’m pissed off with the injustice of a clearly dysfunctional the system. I do understand that Shorten etc are constricted by legislation by what really peeves me is you watch what will happen when and if legislation is introduced. Payne oops Pyne said it all money to rich schools now. Society should be humanistic each to their NEEDS not their selfish wants.
Ok reverend examinator has left the building now rip it up
Posted by examinator, Friday, 27 February 2009 5:36:12 PM
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Once again you are all going off half cocked because you don't know the whole story.

What were the circumstances of his injury?

Was he partly to blame for his injury?

If WC had not been ripped off by so many fraudsters for so many years it would most likely be a resonable system. It is after all a form of insurance.

I suggest you all gain the full details before you make judgement.

Remember, WC costs the employee ZERO. If you feel you are under covered, then take out personal injury insurance, after all, it is tax deductable and can give you peace of mind and provide financial security.
Posted by rehctub, Friday, 27 February 2009 6:13:32 PM
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Dear Forrest,

Try the following website:

http://abc.com.au/tv/

You can download that particular Q&A programme.

Hope this helps.
Posted by Foxy, Friday, 27 February 2009 6:22:45 PM
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Dear examinator,

Shorten did come across better than I
expected - and it will be interesting to wait and
see whether his promise of doing something for
that lady in the audience will eventuate in the
government's scheme of things - for people with
disabilities in the future. Shorten sounded sincere,
and I guess bureaucracies do move slowly - but I'm
sure he'll follow through on his promises.

Miracles don't happen overnight - but at least this
man is going to try to do something. Which is a step
in the right direction.

As for WC - where would workers and their families
be without it? The system is not perfect - but what
system is? Yet imagine having to cope and try to be
rehabilitated - after an accident at work without WC?
Posted by Foxy, Friday, 27 February 2009 6:46:10 PM
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