The life story which is captured in “giving Voice to values and framing a life story” reflects the fight for justice for people whose rights to be compensated were violated. While I will be providing an evidenced case, the objective is to ensure that victims are fully rewarded with their rightful compensation and also in the amount that meets the given legal and ethical obligations on the part of the insuring company. This story therefore dwells on the principle of serving justice for the people who have various types of injuries who are seeking a fair assessment of the case and in equal procedure ensuring that this is fairly transparent and in line with the underlying principles of justice. The relevance of this analysis is based in the given negotiation for a claim and this also includes ensuring that justice is itemized within the typical insurance system compensation policies. These two are some key ingredients required in enhancing justice and this includes asking for an offer that is based on true analysis and which is negotiated within the measured capacity of both the claimant and the insurance company itself. Before a case involving a claim is commenced, important consideration regarding these rights must be established. However, it also must involve financial help, improved relationship between an action in the course of justice and ensuring that shared report on findings is captured on the basis of a realistic compensation culture.
The issue of ethics and values have involved every trainer, the student and the employer for they determine the professional lives of every one of those three key players. The need to make some extra money and to make some profits in the business front has always compromised many, including some of those who tend to possess the highest levels of ethical standards. For everyone who has been in the business of making money, earning a salary or something related to this, there is a story to tell. I do have a life to tell:
I have worked for an American insurance company since the summer of 2012 and my department falls under the medical insurance section. My job description being a medical reviewer whereby I am supposed to deny payment of insurance payments so as to deny as many clients as possible payments to enable the company makes more profits by not paying as many claims.
I had always made some good money in terms of allowances for every successful denial of a claim for that meant that the objective had been achieved. They told me that by doing so am not denying the patients their rights and though in this perspective, justice was not done; all I was doing was denying them the “unnecessary” payment as it were and thus pure violation of their rights and justice. The job did not stop there, but there was also another task. If by any case there was no way to deny a patient the claim then what I was expected to do was to dig deep into the patient’s records and try to ascertain if they had a pre-existing medical condition or something else in their medical history. Ultimately, this was an evidenced procedure aimed at ascertaining whether they had not declared some information so that the company can hit them with that and get the claim refunded by the patient. All this made sure that the company made some exponential profits because very few of claims were settled and the denial was so tactful that it rarely aroused litigation.
However, I followed up on some patients who I had assisted in denying the much needed healthcare and I realized that half of them had lost their lives to this kind of capitalist arrangements and the others had ended up losing almost every asset they owned in search of medical care in hospitals – that would hit them with the obscenely high bills. It is form that background that reality hit me and I questioned my values and my ethics too. I realized what the drive to make money and to live the American dream had got into my head and made it hard for me to be humane. I took matters to my own hands and decided to deal with the system and to turn things around in my own little way. I now go through every application for claim that is made and I go through it with the client and brief them on all they can do to make sure that no loopholes will be found in their claims. I make sure that they get the real, genuine healthcare that they deserve and for that reason I no longer feel like a “murderer”. I have however not been making any much money in terms of allowances and neither the company nor my colleagues make any much “undeserved” money due to my actions.
My actions have seen more than 2000 claims paid and of those only less than 20 have been found to have any loopholes and have been refunded and my quick review and my personal, professional expertise shows that they were genuine and the clients involved did admit they were. I am only uncomfortable with this because some of my co-workers cannot pay their mortgages with ease for they no longer get their allowances like they used to. These implications mean that the company cannot make the obscene profits from the health insurance wing, but it has got many people buying our insurance policies due to the ‘many claims paid’ stories. I understand, therefore that the board is grateful with this arrangement and I feel humbled and very humane now. I sleep better at night, and I have no regrets. My decision established on the framework of ethical valuation and important link determination between moral sensitivity and the core justification of this approach only explains the universal position measured in various characteristic phenomenon and integrated considerations as evidenced in a more permeable approach.
There is a way I would reframe the story if I were only able to. First, I very much wish I never denied anyone a claim right from the start. I also would have liked to have had converts among my co-workers so that we could change the system in order to ensure that claimants are rightfully served with their claims. From the background of this story, we would wish to share the experiences and testimonies with other people and have this reach other insurance companies and so on. I have however made a promise to myself to be a person of integrity, to uphold my values and to be ethical so that I can make sure no one who needs healthcare will be denied that right. I will transform the insurance business with these ideals, and I will in the end ensure better healthcare to those who would not have got it under the previous circumstances.
I urge all who want to take moral decisions based on the values they stand for, never to feel like it’s too late to ensure that justice is served. It is with those decisions that we can change the world in our own little way, for the better. And just like Nelson Mandela quoted; we should first be honest with ourselves so that we can have real and long-lasting impact to the society, for that needs integrity and humility.
