I'd bet you get more loss ratio from fake comp claims and worked up I got a buddy that fixes that claims.

How about the ...... if a doctor gives you advanced notice that you will be going on fully disabled status in a handfull of monthes. just enough time to get all your affairs in order with disability insurance and go out and run up as many loans that are fully covered by disability insurance against the loan, get as many credit cards with full disability insurance and run them to max and in 4 monthes time after the doc puts you on full disability........ well darn the timing. It's better than filing bankrupcy and was done all by the letter of the law and leagal and legit with a fully disabled status.

Not I on that but do know of someone that did just that. I'm fully abled and working.

that one has to be a real real bummer for you guys.

I'm sure you got some doosies of stories of bogus claims.

I feel for you insurance guys...... to many people looking for angles making every honest person pay more.