Dennis Cronin, Columbia Insurance Group 2. Some changes have been made based on our experience. A substantial delay occurred in reporting the accident. The employee refuses to go to the medical provider selected by the employer, or refuses a diagnostic procedure to confirm an injury. Employee frequently changes physicians or medical providers.
Employee has excessive prescriptions.
Employee has a high absentee rate. Employee benefits from workers' compensation, other social programs or other insurance or disability plans equal or exceed the employee's regular take-home pay. The employee has a history of self-employment or working for cash. The injury occurs late on Friday afternoon or shortly after the employee reports to work on Monday. The accident was unwitnessed.