Large companies like WalMart are self-insured when it comes to Worker's Compensation supposedly to make it cheaper to provide insurance hence their prices for retail items is cheaper. But in reality these self-insured companies (WalMart) can easily manipulate the Worker's Compensation Board by giving "Coverage" only when they feel is needed to "look good" for the Board. Case in point: A Walmart employee is hurt on the job in 1996, is given medical treatment with no problems until the employee gets an attorney (after Walmart has hired a "Nurse" to invade the employee's privacy); then Walmart being self-insured Refuses to pay medical costs until Ordered to by the Accident Board of Delaware, then only by "Piece mail" until the Accident Board re-hears the case again 6 months later!
The self-insured company (Walmart) pays for medical for 3 months, then stops for no given reason again and the injured employee must file with the Accident Board again taking at least 6 months to be seen again; of course the self-insured has their attorney "Stall" by postponing the hearing because the employee must be seen by an IME (Independant Medical Examiner) that does nothing else but IME work for businesses! This delay takes 6-8 more months to be rescheduled in front of the Accident Board, keeping the injured employee from being reimbursed for mileage & medications! This same cycle happens for another 3 times afterwards, with the Self-insured even going as far as requesting medical records from the injured employee's Dentist & OB/GYN Doctor!
An outside Insurance Company for Worker's Compensation would never allow this sort of thing to happen, especially if it is regulated by the Insurance Commision, but a self-insured company like Walmart does not have to answer for something so immoral or illegal! The yearly medical costs of just this one employee are over $21,000 which has been paid for by the Taxpayers of the U.S.through the Federal & State Government's Medicare and Medicaid; when it is the self-insured's (Walmart) total financial responsibility and not anyone elses! If you agree that no company should be able to insure itself by itself for Worker's Compensation (or any other Health Coverage) than please sign this petition!

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