Click here for copy of civil complaint of CHP Chief's Disease

Governor Schwarzenegger’s office finally replied to the last email I sent regarding the rampant corruption taking place within Worker’s Compensation. We were beginning to think that no response would be received, as it took well over two weeks for his office to respond. I will be sending my response, including documentation and a very detailed letter, within the next week as I have been dealing with the loss of two very special friends. This next letter will be, once again, asking for the Governor’s help with addressing the Worker’s Compensation fraud issue.

Millions of hard working Californians will soon be able to see exactly how determined our Lame Duck Governor and his administration are in protecting hard working families from the type of unlawful claims handling. My family and countless others have been forced to suffer in ways we never before believed possible and for unbelievable lengths of time due to this corrupt misuse of power. The Governor has the authority to insure the State Fund is used as it is intended, and to insure that those who would misappropriate funds are held accountable. He has the authority to insure the Compensation system is fixed, to ensure this type of unlawful activity is no longer ignored, or worse, condoned. Now, we can only wait and see if myself and countless others harmed by “the system” will receive true justice (while we are still alive), and to see that Californians are protected from crimes brought upon by those who would misuse and skirt the system for their own benefit. In the meantime, myself, my family and many others continue to be victimized. The question now, is: Will our Lame Duck Governor continue focusing on his “legacy”, or will he finally do the right thing and right the wrong of Worker’s Compensation Fraud, of which we know he is aware. Only time will tell… “

In California it does not matter if you or a family member works in the private or public sector, because some of your hard earned money through the purchases of goods and services goes to pay for a workers compensation system that takes in billions a year, and has become so dysfunctional as too allow State compensation Insurance Fund, a state agency to benefit from defrauding a injured employee of their workers compensation and lying to a California state senator to cover up their unlawful actions.

Welcome to the My State Fund Story website. My name is Larry Nign. I was born and raised in Southern California. I am a victim of fraud and corruption in California’s mult-billion dollar workers compensation system, a direct result of my industrial injury.

The following paragraph will give you simple overviews of what inspired SCIF to willing violate the rule of law. Ultimately SCIF is allowed to get away with lying to California state senator Richard Alarcon to cover up their unlawful actions. SCIF wants to make money and did not want to continue to cover my work related industrial injury.

I had worked in a family owned plastic fabrication plant for 23 years. As a result of breathing plastic smoke and dust for all those years, I developed lung disease. SCIF at first jumped right in and started covering all the medical costs and disability payments. A couple of years went by and after receiving an update from the treating lung doctor, outlining a poor prognosis and possible 20 year loss of life, from well documented exposure to plastic smoke and dust, SCIF, within days cut off all medical care and disability payments and had my breathing treatment equipment repossessed by refusing to pay for it. The story of fraud and corruption is continued in the documentary, "Almost Broken."

My rights afforded me by the constitution have been violated by SCIF, a state agency, for monetary benefit. SCIF’s own documents provide the evidence of unlawful claims handling with the sole motive to get out of continuing to pay on an accepted injury. State officials are not taking any action whatsoever to insure all Californians are not subjected to unlawful treatment should they suffer a work injury. State officials should see that SCIF is truly held accountable for the crimes committed that inspired this website and video.

The video shows how California’s workers compensation system, which takes in billions of dollars a year, is allowed to treat an injured worker. You will see what SCIF is willing to go through to keep from paying on an accepted injury claim. As you watch think of the billions that SCIF takes in a year from some 180,000 businesses in insurance premiums. Think about the tens of thousands of hard working Californians a year that end up in the system that led to the creation of this video. Could the abuse that you will see in this video still be going on? Who will hold SCIF accountable? What does it take to get Governor Schwarzenegger and the state legislature to restore integrity in California’s multi-billion dollar broken workers compensation system?

In the video you will hear about a search warrant executed against SCIF. What did not make it into the video was the number of boxes seized by a search warrant. Five boxes were seized. Why is SCIF compiling five boxes of information on just one Californian? Four years later an attorney for SCIF writes a letter to then very prominent State Senator Alarcon, who was in charge of overseeing the workers compensation system, and tells him SCIF DENIED THE CLAIM, a lie!

Click here. And listen to a phone message left by an attorney. If you watched the video you will know who left the message and it adds to my creditability of what I have uncovered.

Why is Governor Schwarzenegger being kept in the dark about Californians dysfunctional workers compensation system?

State Senator Bob Huff has been to this website and responded to a letter that I sent him regarding the state owned State Compensation Insurance Fund and what they were doing. The Senator replied and confirmed that I was correct about a 24.4% increase in advisory pure premium rates. The senator had urged me to write to Steve Poizner, the state insurance commissioner, and share my thought on the affects that a rate increase would have on businesses and the people of California.

Click here to read the senator's letter.

On April 27th I sent the commissioner a detailed two page letter and shared my thoughts on what I have learned about the workers compensation system. As of today the commissioner has not responded to my letter. After waiting over a month and counting, still no reply from Steve Poizner, the insurance commissioner, a candidate for governor in the next election.

Californians are trying to deal with the worst recession since the great depression in the 1930’s. Californians have been hit with the largest tax increase in the state’s history and having to deal with a struggling economy, as more and more businesses are having to either down size and cut hours or lay off people to try and stay in business. Now on top of all this, California’s workers compensation insurance carriers are going after another rate increase for workers comp coverage.

It is no secret in the workers’ comp community that carriers have been making unprecedented profits in the last 4 years, as a direct result of the passing of SB 899.

Now the WCAB comes down with rulings in a few cases that do not favor the insurance carrier. All of a sudden the insurers are running around like the sky is falling. Governor Schwarzenegger has stated, "we all have to make sacrifices to get through this." The insurance carriers should do their part to help.

Workers’ compensation insurance carriers are not going to leave the market if they do not get a rate increase. These carriers are making far too much money as it is now. To grant any rate increase at this time, due to the severity of the unprecedented economic mess that our state is in, I personally think will be absolutely devastating to businesses in our state. I believe any operating increase could very easily trigger a possible domino effect. How many businesses will say they can not afford any more costs, close up the business and put even more people out of work leading to even more unemployment? Less business mean less jobs and less money for the state budget through fewer taxpayers.

Any increase would place more stress on California employers in industries such as construction, manufacturing, trucking, retail, and service industries who are already hurting from the struggling economy and now having to deal with the highest tax increase in California history.

SCIF is asking for yet another rate increase on top of the one it received in January. These rate increases, along with the fact people are loosing their jobs in record numbers, the economy is struggling, and our state is facing a budget crisis. SCIF alone insures some 180,000 small and medium sizes businesses in California.

Californians are doing plenty of cutting back to get by during this recession. So why aren't all the comp. insurers willing to do their part and stream line their operation? It would be very interesting to see what the top executives get paid by these carriers, including SCIF. The salaries for these top people are on the backs of hard working Californians. Often when these taxpayers are injured they are denied medical care and benefits. Yet employers continue to pay high premiums for comp. coverage.

In my opinion there should not be any rate increase until such time that REAL claims costs are being backed up by REAL time documentation and computations and not on projected cost based on "what if" scenario from a few WCAB rulings.

California’s taxpayers are giving up the California dream and moving to other states where it is less costly to live. So what went wrong? Uncontrolled greed was the trigger.

The letter from California state Senator Bob Huff goes to show that state officials know all about this website and the Senator knows how committed I am to insuring that SCIF is held accountable and insure they would think long and hard before embarking on such a misadventure that inspired the making of this website.

SCIF can not get away with committing fraud and lying to a state senator to cover up their unlawful acts. I am trying to insure that working Californians and their families no longer have to face the possibility of having their rights afforded them by the constitution violated because of greed by a state government run system.

Share this website, especially with business owners, so everyone can see what billions of dollars are being spent on and how a government agency is allowed to benefit from breaking the law and violating persons rights!

NOTE: I am not against insurance carriers or any other business making money. California businesses are forced by law to have workers compensation insurance. I can only hope SCIF and other carriers will consider my opinion and try and help our struggling economy and fight the need for greed.

The creation of this website and video was the result of many events. First and foremost our rights afforded us under the constitution must always be protected and no government agency should ever be allowed to benefit from abusing any of those rights. No family should ever be forced into poverty and loose everything that they work years to acquire, because a state agency is allowed to use fraudulent documents to obstruct justice. SCIF, by their own actions and documents, has clearly demonstrated an attitude in this case, that shows no respect for the rule of law, nor do they fear any reprisals from the Governor, the California state legislature, or any state government agency. This has to stop.

Our men and women in both law enforcement and in the military put their very lives in harms way every day to protect us and to protect our rights afforded us by our Constitution, many have lost their lives doing their job. And yet a government agency does not think twice about abusing an injured worker’s rights. This too has to stop. The injured and disabled worker is viewed as a second class citizen, is this punishment because many disabled no longer pay taxes to the state?