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Thursday, April 1, 2010

Journal 8: Illustration of the Problem

A Real Life Nightmare

Joan Hangarter as you can say was living the “American Dream.” She was happily married with two amazing kids, lived in an up-scale community in Marion County, California, and engineered a thriving chiropractic company. It was 1997 and life couldn’t get better for the middle aged Hangarter. However, she sustained an injury while working on a patient that would forever change her and her family’s life. As ironic as it may sound, Hangarter never imagined getting hurt while taking care of her customers. Like any other motivated worker, Hangarter dismissed her injury and continued to work through the incessant pain. In her time away from work, she would receive therapy from other chiropractors twice a week in order to try to subside her pain. No matter what she tried, nothing worked. After much deliberation and extensive paperwork, Hangarter filed for worker’s compensation with an insurance company named Paul Revere Life Insurance Company. Promising $8,100 a month for disability, Paul Revere could never quite live up to its promise. After the company was bought out by a supposedly larger and more reliable company, Hangarter saw her life spinning out of control. The newer company soon went bankrupt and could not pay for any of the claim that Hangarter had filed, essentially fraud had been present inside the company. With the injury preventing her from going back to work and making money, she lost her home and her relationship with her husband soon followed. She was forced to take her kids and go live with her sister in a different part of California. Insurance fraud had caused her life to go from the top to the bottom in a matter of months.

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