Workers’ Comp Could Follow Disability Model

Regarding “Workers’ Comp to Be Revisited,� Jan. 3:

Revisiting the workers’ compensation system will simply be stirring the pot once again; the system needs a totally fresh look, possibly a major overhaul. How do other states deal with this state-administered program? Other options exist.

The Times should consider doing a story explaining how our system works; i.e., a worker injured on the job may qualify for benefits but, except in blatant safety violation cases, may not sue his employer.

That’s the deal: The worker collects; the employer pays but doesn’t face a lawsuit. In exchange for their reliance on this no-fault system, employers foot the bill for job-related injuries. Many cases are disputed and involve multiple doctors’ visits, not to mention lawyers and more lawyers, witnesses, insurers and a bureaucratic system that weighs down the process.

A much simpler and less costly method of administering the program would be to run it like the state disability system. Under those rules, if a doctor certifies that you are physically or emotionally unable to work, you receive benefits until you’re well or the benefits expire. State disability insurance is funded by employer-paid taxes and employee payroll deductions under a well-regulated system. Benefits are based on earnings and are easy to calculate.

Elaine Morris

Solvang, Calif.