The workers compensation system was started as a safety net to protect workers who were injured at work. However, in its current state, the system is a joke at best. The workers compensation insurance industry used to be a big money loser until nationwide reforms in the early 1990s. Since then, workers compensation insurance companies profits have exploded, employer premiums have decreased, and the financial and emotional exploitation of the injured worker has become standard operating procedure. The saddest part is that it isn’t expected to change any time soon!