D.B. presents to the orthopaedic surgeon's office with a knee injury. He
informs the surgeon that he injured the knee at work. The physical examination
is consistent with a torn medial meniscus. The surgeon requests a magnetic
resonance imaging study and tells the patient that, depending on the results
of the scan, arthroscopic surgery may be necessary. D.B. then explains that he
no longer has health insurance, but, by saying that the injury occurred at
work, his treatment will be covered by Workers' Compensation insurance. On
further questioning, it seems unlikely that the injury did occur on the job.
D.B. asks the surgeon to report the injury as work-related; otherwise, he will
have to pay for the surgery himself and he cannot afford the expense.