Workers' compensation costs are to a large part handled by the insurance company's adjuster (or third party administrator for the self-insured) with limited input from the employer. The attitude of many employers is that "we pay workers' compensation premiums, and it is the role of the insurance company to determine benefits payable to injured workers."Is this an appropriate attitude to follow when considering such things as Return to Work programs; reserving sums of money for payment of future workers' compensation benefits; settlements; determining injured workers' satisfaction with the handling of their cases by the insurance company, including satisfaction of authorized doctors; and providing to the insurance company names of witnesses that can have an effect on how workers' compensation benefits are paid.