Hey , Jane ... are you familiar with our company's insurance policies ?   Umm ... I think so . What's up ?   I've never really paid attention to the fine print of our insurance policies ... but it looks like I'm going to need to make a claim .   Really ? Are you OK ?   I have a slipped disc in my lower back and the doctor says surgery is probably the best option . Does our worker insurance cover this kind of thing ?   If the injury is workplace related I'm sure it's completely covered .   Hummum ... I think I'll have to talk to the doctor again about that.Anyway ... now that I'm going to have to make some claims , I think I'd better try and understand how the system works . Would you mind breaking it down for me ? 