1. How much do the carriers spend each year on staff attorneys and defense attorneys? I am told there are no figures on that. If that is true, why?

2. If you are going to try to reduce attorney fees, you have already reduced claimant attorney fees, so why not reduce carrier attorney fees this time?

3. Why is the carrier allowed to disallow medical treatment? If they could not refuse to allow treatment, injured workers would get back to work quicker and there would be far fewer PTDs in the state of Florida .

4. Why is there never an investigation into carrier fraud and mismanagement?

5. Why is it that the employers and employees are the ones who always have to give up something? When was the last time the carrier gave something up to help reduce costs of the system?

6. Why is it injured workers cannot pick their own doctor? The carrier always has the option of an IME and they use it frequently.

7. Why is it the carrier wants to limit the injured worker to one IME per injury and yet they can have all they want? What if the injured worker has multiple injuries? Do they have to decide which part of their body they need taken care of the most?

8. Why are the carriers allowed to keep people out of work for months to years when if the injured worker had speedy medical care they could be back to work much quicker thus reducing the number of IMEs and the cost of indemnity benefits as well as the number of PTDs?

9. Why is the employer allowed to fire employees who are on comp?

10. Why is the employer allowed to refuse injured workers light duty status?

11. Why are employers/carriers allowed to require a person to resign in order to receive a settlement when it is clearly against the law? It is a violation of 440.205.

12. Why are the carriers not held to state law on comp?

13. Why is it the Division of Workers Compensation is not deciding who should be on comp and who should not be instead of the carrier? It seems they should have to justify all the claims they refuse to someone?

14. Why are the carriers allowed to cause frivolous lawsuits by refusing and denying treatment guaranteed to injured workers under state law?

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15. Why are case managers, adjusters, and nurses allowed to over ride a decision by a doctor? Isn't that practicing medicine without a license or do they all have degrees in medicine?

16. Why don't the carriers have to pay the doctors in the same amount of time the other insurance companies do?

17. Why are the carriers allowed to starve injured workers into small settlements often before they ever see a doctor and know the extent of their injury?

18. Why are carriers allowed to go into the injured workers past for things that have no relevance to the injury and then turn around and try to use the information to make the injured worker give in to their demands?

19. Why are the carriers allowed to harass the injured worker by changing the dates they receive pay checks and cut off medications that people are addicted to or need for pain?

20. Why doesn't the injured worker have a choice of making the date for a doctors appointment. The carrier can call up one day and say you have an appointment the next day and if you don't show you can lose your benefits for being non-compliant.

21. Why are the carriers allowed to send people across town or to other parts of the state to a doctor when there are doctors close by? For people who need transportation the costs are so much higher. Many times the transportation costs more than the doctors visit? The same thing with the mileage paid for trips to and from the doctor.

22. Why are the carriers allowed to cancel appointments and surgeries at the last minute and without notifying the injured worker? Why is it they have to go to the appointment to find out they no longer have one?

23. Why is it the carriers are allowed to send you for IME's or to other doctors and not send your records or just send part of your records?

24. When will the carrier be held accountable? Carriers are the true cost drivers of the comp system?

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