Unfortunately it is an all too common occurrence when home modifications are required as part of a workers compensation claim. Although the insurer’s responsibility is usually based on “medical necessity”, somewhere along the way the policyholder assumed they were

entitled to having their entire home remodeled. You know the old saying,, “when perception and reality clash, perception usually wins”. At the root of this conflict lies the perception of entitlement. The flames are then fueled with family involvement and legal representation. The end result is the delayed provision of benefits and ultimately the injured policyholder suffers the most. The policyholder’s perception is based on reality, albeit a frequently skewed version. The reality is that they were 1) Injured 2) Covered by a policy 3) Entitled to benefits. The skewed reality happens for one of two reasons: 1) Due to the insured’s lack of understanding of not only the policy, but also the process, or 2) They are simply out to “milk” the system regardless of reality.

Fortunately there are simple steps you can take to reduce the risk of this occurring.

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