Thanks Tattiebinger, I am a healthcare professional and have...

Thanks Tattiebinger, I am a healthcare professional and have seen the conflict first hand, ie. my patients being set upon by people trying to get them to return to work instead of taking the time to recover. I spend a lot of my life filling out the forms that keep the insurers off my patients' backs. They do it for exactly the reason you state - it saves them a lot of money. However in respect to KKT I suspect if a big life insurer player moved into this space the contract wouldn't be small. I am cynical the legislation will change though, we'll just have to see.