State owned carriers should have no advantage over private carriers, not attached to the Attorney Generals office in access to records or legal representation. Insurance carriers shall cover the claimant throughout a training school for which no pay is earned. If an insurance carrier, adjuster, physician, or their attorneys can be seen as showing malicious intent damaging an individuals life, health, family, credit, etc., they should be held liable for punitive damages. The claimant should be allowed civil recourse for gross dilatory tactics. No claim shall be closed without medical release and any claim denied must be filed with documented-legitimate reason and put before a hearing before benefits are stopped.
Benefits are to continue through appeals process, to include legal fees.
Restore hearings officers' power to levy fines against carriers who resort to frivolous denial without cause or withhold information or documents, or refuse to pay medical bills within 30 days. Medical providers should be discouraged from harassing claimants for money owed by the carrier, until all appeals are exhausted. There shall be no discrimination against licensed medical practitioners in any field. This shall include chiropractors, dentists, podiatrists, acupuncturist, etc., whatever helps restore motion and limits pain. Claimant privacy is to be protected and no medical information is to be shared with parties outside disputed claim and watchdog committee.