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Post by smalltowngirlie on Mar 6, 2019 23:03:44 GMT
Last week DS got hurt at work. He just got a call saying workman’s comp won’t cover anything because even though he was hurt at work , it was not work related. Is this accurate? What are our next steps?
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Post by cadoodlebug on Mar 6, 2019 23:06:54 GMT
I know a girl who worked at the bank with me in the 70's and she wore ridiculous platform shoes with flared pants and tripped walking downstairs to the cafeteria. The bank paid for her medical bills. I thought she was stupid to wear the shoes. <shrug>
Without knowing the details of your DS's injuries, I couldn't give an opinion and I'm sure you want to keep it private.
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TheOtherMeg
Pearl Clutcher
Posts: 2,541
Jun 25, 2014 20:58:14 GMT
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Post by TheOtherMeg on Mar 6, 2019 23:08:10 GMT
Apparently, the company is saying that even though your DS was on the premises, he wasn't involved in anything job-related when he was injured.
So he's going to have to prove that he was, indeed, doing a job-related activity when he's was injured in order to get covered. Was there anyone around when he was injured who can provide written verification that the injury was work related?
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CeeScraps
Pearl Clutcher
~~occupied entertaining my brain~~
Posts: 3,847
Jun 26, 2014 12:56:40 GMT
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Post by CeeScraps on Mar 6, 2019 23:46:51 GMT
I would bet someone from Workman’s comp has interviewed your son. So based on his responses and possibly other information they received they denied his claim.
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Post by frenchie on Mar 6, 2019 23:54:52 GMT
If it's a significant injury and he will be out for a while/have a lot of medical bills, I would talk to a lawyer.
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Post by cindyupnorth on Mar 6, 2019 23:56:27 GMT
Was he on a break, lunch? walking in/out of work? they won't cover. What exactly was he doing?
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josie
Full Member
Posts: 217
Jul 29, 2014 20:47:33 GMT
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Post by josie on Mar 7, 2019 0:32:16 GMT
Not knowing what happened but if it happened on company premises due to a safety hazard or risk on their part they should still cover it. You should challenge it. If there is significant loss with medical bills or time if, get a lawyer immediately. Do not talk to them anymore!!
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Post by revirdsuba99 on Mar 7, 2019 0:33:21 GMT
If he was on the payroll, his was at work regardless what he was doing.
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Post by smalltowngirlie on Mar 7, 2019 1:05:09 GMT
He was working, not on a break. His kneecap dislocated and it broke. He will be out of work for another week, then hopefully limited work, then rehab.
I think we will have to talk to a lawyer. We are hoping they are denying hoping we don’t push it, but we have no choice but to try and get them to at minimum cover all medical expenses.
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Post by cindyupnorth on Mar 7, 2019 1:29:03 GMT
He was working, not on a break. His kneecap dislocated and it broke. He will be out of work for another week, then hopefully limited work, then rehab. So what is the basis for denial? How long ago did it happen? A fx'd patella takes awhile to heal. Does he have other health insurance? I would think if he does they may go after work comp to cover it also.
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Post by smalltowngirlie on Mar 7, 2019 1:52:12 GMT
He was working, not on a break. His kneecap dislocated and it broke. He will be out of work for another week, then hopefully limited work, then rehab. So what is the basis for denial? How long ago did it happen? A fx'd patella takes awhile to heal. Does he have other health insurance? I would think if he does they may go after work comp to cover it also. They said because even though it happened at work, it is not a work related injury. Hie did dislocate his knee cap about 8 years ago, so we think that may be the reason. He had not had problems with it since then. It just happened last week. No other health insurance. His company doesn’t offer it unless you are full time which is like 38 hours a week and he stays at 37 or below.
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Gennifer
Drama Llama
Posts: 5,040
Jun 26, 2014 8:22:26 GMT
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Post by Gennifer on Mar 7, 2019 1:54:55 GMT
My daughter had a very similar incident at her work. Her knee dislocated when she turned, causing her to fall and break her wrist. It wasn’t covered by WC because it was something that could have happened anywhere... just as likely to be at school, or at home, or in a grocery store.
It was covered by our regular insurance, both the surgery for the broken wrist (which had pins, etc) and the surgery to correct the original problem with her knee.
Just because something happened at work doesn’t make it WC.
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Gennifer
Drama Llama
Posts: 5,040
Jun 26, 2014 8:22:26 GMT
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Post by Gennifer on Mar 7, 2019 1:56:56 GMT
They said because even though it happened at work, it is not a work related injury. Hie did dislocate his knee cap about 8 years ago, so we think that may be the reason. He had not had problems with it since then. It just happened last week. No other health insurance. His company doesn’t offer it unless you are full time which is like 38 hours a week and he stays at 37 or below. If it’s happened before, why would it be their responsibility?
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Post by smalltowngirlie on Mar 7, 2019 1:58:21 GMT
My daughter had a very similar incident at her work. Her knee dislocated when she turned, causing her to fall and break her wrist. It wasn’t covered by WC because it was something that could have happened anywhere... just as likely to be at school, or at home, or in a grocery store. It was covered by our regular insurance, both the surgery for the broken wrist (which had pins, etc) and the surgery to correct the original problem with her knee. Just because something happened at work doesn’t make it WC. . He was working on a vehicle when it happened. We will talk to a lawyer and see what they say.
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Post by smalltowngirlie on Mar 7, 2019 2:00:47 GMT
They said because even though it happened at work, it is not a work related injury. Hie did dislocate his knee cap about 8 years ago, so we think that may be the reason. He had not had problems with it since then. It just happened last week. No other health insurance. His company doesn’t offer it unless you are full time which is like 38 hours a week and he stays at 37 or below. If it’s happened before, why would it be their responsibility? . When it first happened years ago we asked if he would be more susceptible and were told no.
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Post by katlaw on Mar 7, 2019 2:13:41 GMT
In my own experience they will deny, deny, deny. Because a certain percentage of people will accept the denial and not try again. And that saves them money. He needs to file an appeal based on the information that the previous injury 8 years ago is not related to his current injury. He can always appeal their decision.
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Post by rockymtnpea on Mar 7, 2019 2:13:58 GMT
Just because something happens at work does not make it a qualifying work related injury.
For example, Susie is enjoying a quick snack at her desk before going back to her administrative duties. She suffers a heart attack (not minimizing heart attacks). She ends up in the hospital and thinks 'well I was at work so I am covered by workers comp." Her claim is denied. The company says she was going to have a heart attack anyway she just happened to be at work and that her steady diet of McDonalds and soda pop along with her pack a day cigarette smoking was the reason.
Or in my case, I suffered a health issue as a direct result of my job. They used that same excuse, it was going to happen anyway it just happened to happen at work. My claim was denied. I went to an attorney to see what I could do. He said I had a valid claim against my employer. He then went on to say what I would need to do to take them to court. My fees to him would have been more then I was seeking from workers comp.
I went on line and read the rules in my state and I filed my own complaint and set a date with a judge. (it was all under workers comp but was sooooo not easy to understand. I think they wrote it the way they did to discourage people). Anyway I submitted my documents and received a call from my employers attorney. They asked what I was seeking, I told them and they agreed to pay.
That said, with your son suffering a similar injury previously my guess is that is why they denied him. Further, what type of work does your son do that would make the company responsible for the injury? (no snark) So for example...a carpet layer could say while they were kneeing the knee board that stretches the carpet they dislocated their knee and it would likely be covered. However a food server that simply fell, not because of liquid on the floor but just fell and dislocated their knee would have difficulty with the same claim. Sorry your son is going through this.
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basketdiva
Pearl Clutcher
Posts: 3,630
Jun 26, 2014 11:45:09 GMT
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Post by basketdiva on Mar 7, 2019 2:25:38 GMT
Have your son make WC put the denial in writing and then research what the appeal process is in your state. Always appeal in writing.
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Post by cindyupnorth on Mar 7, 2019 2:50:35 GMT
When it first happened years ago we asked if he would be more susceptible and were told no. interesting, By an Orthopedic Dr?
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Post by revirdsuba99 on Mar 7, 2019 3:17:04 GMT
There will be time limits, take action right away!
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Post by kristi on Mar 7, 2019 3:20:28 GMT
I’m not sure what state he is in - keep in mind workers comp laws vary by state.
1) in some states if you aggravate an injury while working, it is deemed compensable. If you had 3 prior left knee surgeries then slipped and fell reinjuring the same knee while on duty - it would be work related. There would be disability appoirtionment to the prior knee but the medical would be covered.
2) when a Claim is denied, you are usually given the option to select a workers compensation medical evaluation that will comment on whether your injury is industrial or not. It would be on the denial paperwork.
3) I would definitely look into obtaining a workers compensation attorney if you can’t do step two
4) have him file for state disability to cover his lost wages & see if they offer any medical services for injuries. See if his employer can accommodate modified duty like sedentary work while he is recovering.
5) in My state an injured worker has access to an information & assistance officer that knows workers compensation and can answer questions for people that are injured and help explain/give them their options. You should be able to Google this for your state.
6) also in my state injured workers can file for a conference with a workers compensation appeals board judge to fight the denial/set the issue for trial
7) I would consider paying out of pocket for him to get an initial doctor visit/therapy evaluation. If he can learn some basic therapies, he can do them on his own while he recovers.
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Post by cindyupnorth on Mar 7, 2019 4:37:23 GMT
Did he see an orthopedic dr for this fx? And did he have surgery? Fxd patellas take more then 2 weeks to heal!
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Post by malibou on Mar 7, 2019 6:23:04 GMT
Just because something happened at work doesn’t make it WC. Not in CA. If it happens at work, it is a worker's comp case, and if the business tries to say they won't cover it, they are in trouble. If you trip at work and hit your head, but don't have any seeming problem, and then go home and dizziness causes you to fall and you break your arm, it's a worker's comp case in CA. All states are different.
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Post by malibou on Mar 7, 2019 6:29:18 GMT
Even if he did have this problem previously, it's been 8 years with no problem. They should be apportioning the injury at the very least.
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Post by malibou on Mar 7, 2019 6:31:04 GMT
Just because something happens at work does not make it a qualifying work related injury. For example, Susie is enjoying a quick snack at her desk before going back to her administrative duties. She suffers a heart attack (not minimizing heart attacks). She ends up in the hospital and thinks 'well I was at work so I am covered by workers comp." Her claim is denied. The company says she was going to have a heart attack anyway she just happened to be at work and that her steady diet of McDonalds and soda pop along with her pack a day cigarette smoking was the reason. A heart attack is not an injury.
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Post by scrappinheather on Mar 7, 2019 9:49:13 GMT
You should really talk to an attorney who specializes in workers comp in your state. In Washington all you need is a sudden and traumatic happening to have a work related injury. I.e he was bent over working on a car he twisted his knee the wrong way and it dislocated. That would be considered a compressible claim. He also can aggravate a pre existing condition, especiallly if it’s quiesent and have it allowed. I.e. no pain or knee problems prior to the injury for several years able to work full time without restriction and then twists knee while working dislocated it, would also be compensable in Washington.
If they are going to deny his claim they in most states would have to do it on writing and give you your appeal rights. He should talk to a lawyer.
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Post by Ellie on Mar 7, 2019 11:32:08 GMT
Wow, this is so interesting. I didn't realize laws vary so much.
I recently went through my first experience with workman's comp. I work at a higher ed institution. I was on my lunch break and was walking with a group of colleagues into one of the dining halls for lunch (which we pay for, not that it matters to this story). I lost my balance while walking up some interior stairs, most likely due to some rowdy students running up them. My knee hit the metal edge of a step and I ended up needing 15 stitches. I went to our campus health clinic.
I was very surprised that this was covered by workman's comp. I was on a break. It was not work related. There was no negligence on the part of the organization. But it was.
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Post by smalltowngirlie on Mar 7, 2019 11:40:29 GMT
Thank you all. They are sending the denial in writing and we will be contacting a workmen’s comp attorney, I have a couple leads on good ones.
I don’t want to share too much online so sorry if I am kind of vague.
He does not require surgery. He is seeing an orthopedist, and did the first time also. 2 weeks is the minimum he is off work, then he goes back to the Dr and may be released for light duty.
It’s winter in MN, he has on a full leg brace and using crutches, going out is almost impossible with the ice and snow right now. Needless to say cabin fever is hitting him big.
Thanks again.
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Post by rockymtnpea on Mar 7, 2019 13:20:14 GMT
Malibou...you are right every state is different as are the laws. 😃And you are right a heart attack is not an injury however in my field of work it would/could be considered a workers comp claim.
I always forget when I comment on the Peas that people are from all over the nation and world and there are different rules in different places. 😃
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Country Ham
Pearl Clutcher
Posts: 3,313
Jun 25, 2014 19:32:08 GMT
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Post by Country Ham on Mar 7, 2019 13:43:42 GMT
. When it first happened years ago we asked if he would be more susceptible and were told no. wow. I dislocated a joint as a teenager and was always told it would be more susceptible. I have a old knee injury too and both those joints are "different" all these years later. Weaker.
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