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Civilian entrepreneurs claim increase after Afghanistan



After 20 years of conflict, many US soldiers and civilian entrepreneurs have returned home from Afghanistan and Iraq very differently than when they were first deployed. Psychological injuries are common in war zones, but a RAND Corporation study from 2013 showed that civilian entrepreneurs suffer at a much higher rate.

At the time of the study, 25% of private entrepreneurs showed PTSD symptoms, compared to only 11% of service members and experts say that these figures are underestimated.

"They are sent to a war zone and then they are subjected to the same experiences as trained soldiers, without background, without exposures and training that the soldiers have, and the consequences can be quite serious, "said Samuel Frankel, a partner at Barnett, Lerner, Karsen, Frankel & Castro PA in Fort Lauderdale, Florida. 1

9659003] “There is nothing in any of these government contracts that requires an employer to train its contractors properly before leaving exposes him to the dangers of wartime risks, says David Barnett, founder and managing partner of the company. to September 2021, according to Mr. Frankel.

The influx of claims has overwhelmed claims, creating problems in getting them treated, filed and paid for by insurers.

"Much of it is about validity, making sure claims are valid, and much of it "We're just talking about the sheer numbers," Frankel said. only has approx. 40 judges. ”

“ It's just a huge volume that results in delays in handling all the things they normally expect an insurance company to do in a claim: Investigate, make sure everything is valid, process and pay claims that are now neglected, "said Mr. Frankel.

Validating claims is a necessary first step because there are profound" consequences "among them, causing suspicion among insurance companies and lawyers, said Mr. Frankel.

"Because of the commonality of a region, we must ensure that it is legitimate and that it is not pursued merely because others persecute."

adequate medical document contact from someone with appropriate credentials, says Eric Richardson, senior client service manager at Gallagher Bassett Services Inc. based in Carlsbad, California.

“If someone is being treated abroad we need to be extra careful to see what kind of references foreign doctors may have, let them address clarifying questions if necessary, as they may not work under the same diagnostic criteria as we would have done here, "said Richardson. [19659003] A second opinion is often required, which prolongs the claim and increases costs, he said.

Mr. Richardson expects a further increase in claims next year, and advises insurance companies to develop a contingency plan to deal with the current backlog of claims as more people roll in.

“Keep track of the number of people they have employed abroad and risks consulting around to give the insured advice on how to reduce the risks, wherever they happen to be; have lists of staff that you can cross trains at short notice, "offered Mr. Richardson.

" All it takes to quickly increase and handle a nail is what you should be prepared to do. "

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