By Laura, Cardiovascular Specialist
The practices of the insurance industry exemplify the inherent flaws of capitalism and its prioritization of profit over people. The “Delay, Deny, and Defend” strategy employed by insurance companies is a stark reminder of how corporate interests often come at the expense of the working class, reflecting a broader system that values profit margins over human lives.
Delay: A Tactic of Exploitation
The first phase of this strategy—delay—serves as a mechanism to exploit the vulnerability of individuals. When a policyholder files a claim, they are often met with bureaucratic hurdles designed to prolong the process. This delay not only adds to the claimant’s distress but also allows the insurer to hold onto funds longer, maximizing their profits at the expense of those in need. It reflects a system where the needs of the many are subordinated to the greed of the few, forcing individuals to navigate a convoluted maze that is deliberately designed to frustrate and dissuade them.
Deny: A Systematic Betrayal
The denial of claims is another critical component of this strategy, highlighting the insurance industry’s role as a gatekeeper of essential resources. When claims are rejected based on technicalities or obscure policy language, it becomes evident that the system is rigged in favor of corporate interests. This systematic betrayal reinforces the idea that, under capitalism, the welfare of individuals is secondary to the preservation of profit. It creates an environment where the most vulnerable are left without support, highlighting the need for a system that prioritizes collective welfare over individual profit.
Defend: Corporate Power and Inequality
Lastly, the defend phase reveals the vast power imbalance inherent in the capitalist system. When denied claimants challenge the decision, they often face a well-funded legal defense that seeks to outlast them. This dynamic illustrates how corporations, with their extensive resources, can easily overpower individuals seeking justice. The ability to wage legal battles is yet another example of how wealth translates into power, further entrenching social inequalities.
Conclusion: The Need for Change
The “Delay, Deny, and Defend” strategy is not just a troubling aspect of the insurance industry; it is emblematic of a broader capitalist system that prioritizes profit over human dignity. As we witness the ongoing struggles of individuals fighting against denied claims, it becomes clear that we must fight for a nationalized healthcare system.
