The “starve you out” playbook — and how to beat it
How insurers use delay, denial, and lowball offers to wear injured workers down, and the concrete steps that beat each tactic.
Some insurers are betting you'll give up before they pay. Here's the playbook — and the counter to each move.
Delay
They drag out approvals so you settle cheap. Counter: document every date and use your state ombudsman to push.
Deny first
They reject valid claims knowing most people never appeal. Counter: the denial letter must give reasons — appeal on those grounds.
Lowball
A fast, small offer before you know your worth. Counter: don't sign until you understand the full value; free legal aid can review it.
Start with your state resources.