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Editor's 2 Cents

Get the Record Straight

William Nathans
Editor

bill@adjustingworld.com  

        

I would like to take this opportunity to respond to Ray Polly, an investigator who is claiming that insurer fraud is running rampant. He has taken a shotgun approach to the problem by accusing everyone who works on the defense of committing fraud or being complicit in aiding and abetting insurer fraud. Given the claims that were recently published in April 17, 2008 California Progress Report, he does not have a clue as to what he is talking about.

 

For example he states:

 

“The establishment of the AME physician was also a good idea, but instead of objective, unbiased doctors, the insurance industry has aggressively recruited physicians of lesser quality, competence, and those willing to prostitute their credentials.  For the most part, AME physicians are burnouts, washouts, or physicians who no longer wish to treat patients.  They have also succumbed to the easy money of the insurance industry.”

 

Unfortunately he does not realize the applicant attorney has to agree with the defense on a doctor. He also fails to note that AME's can ONLY be used in represented cases. He fails to mention that the insurance companies have no control over medical legal evaluations with unrepresented cases since the advent of the QME process.

 

He also talks about VR being another fraud perpetrated by the insurance company. Gee, VR was eliminated in SB-899 and in its place is the voucher program.

As an adjuster, I saw very few successful rehab plans.

These are just two of the accusations he has leveled against the insurance industry.

 

It should also be noted that this vendetta started after his wife suffered a work related injury.  Just like other injured workers who do not like the fact that they didn’t get what they thought they should.... becomes its the carrier's fault.

                       

      

Comments, questions, e-mail me at bill@adjustingworld.com

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Legal Update

Temporary Disability Opinions

Stephen L. Kline, Esq.
Armstrong Law Firm
stephenk@arm-law.com

   

In a published decision the Third District Court of Appeals, answered the question, what happens to the 104 week limitation if there are multiple incidents of specific injuries, does TTD run concurrently or consecutively?

 

The applicant was injured at work in two separate incidents in February and April 2005. Both injuries contributed to applicant's temporary disability. A workers’ compensation judge (WCJ) concluded the applicant was entitled to two separate periods of temporary disability indemnity under section 4656(c)(1) for his injuries running consecutively.

 

The WCAB on reconsideration disagreed with the WCJ and said there should be two periods, but that they should run concurrently.

 

The Third District granted the Writ of Review and affirmed the WCAB’s decision in the case, Foster v WCAB, 73 Cal Comp Cases ---- (April, 2008)

 

The Court said, “the WCAB’s construction of section 4656(c)(1) in this case is not clearly erroneous or unauthorized. In fact, its construction accords with the language, context, and evident legislative purpose of the statute.” 

 

They continued, the applicant “was not entitled to receive a double amount of temporary disability benefits. He was entitled to only one amount to substitute for his lost wages. However, under the facts here, the temporary disability benefit he received was due to each of his injuries because they both caused his temporary disability. … There is nothing in the language of section 4656(c)(1) suggesting the limitations period for a single injury causing temporary disability should be tolled for any period during which a worker is entitled to temporary disability benefits based on another injury. There is no language in the statute suggesting the limitations period will not run concurrently where multiple injuries cause an overlap, either partial or complete, during periods of temporary disability.”

 

There are some open questions with this opinion, but the overall message seems to be that WCAB’s opinion weighs heavy when they are strictly interpreting the law without additions to the legislature’s directive.

             

In an unpublished decision, involving another temporary disability issue the First District Court of Appeals upheld the WCAB’s reversal of a San Francisco WCJ by denying the Writ of Review.  Baltazar v WCAB,  73 Cal Comp Cases ---- (March 24, 2008).  The question here was if the lawful actions of the defendant delays surgery, can that toll the 104 week limit for TTD?

 

On 3/15/2005, Mr. Baltazar injured both knees in the course and scope of his employment at the One Market Restaurant.  He was paid TTD from 3/15/05 until 8/31/2006 with the first payment on 3/22/07.

 

In December, 2006 the primary treating physician recommended knee surgery. After a Panel QME agreed, the surgery was performed on 4/11/2007.  The applicant sought TTD from that date until 6/13/2007. In seeking the TTD for beyond the 104 weeks, the applicant argued that the defendants were estopped from asserting the limits, had waived the statute and the time limit was tolled because of the defendant’s delay in approving the surgery.   At an Expedited Hearing, the Judge agreed and ordered TTD paid for that period. 

 

The defendants sought reconsideration that the time awarded exceeded the 104-week limitation of Labor Code §4656.  The WCAB agreed with the defense by ruling that in line with its en banc decision, Hawkins v Amberwood Products, (2007) 72 Cal Comp Cases 807, the 104 started at the date of first payment.  The WCAB then wrote,  “None of the proposed theories -- estoppel, tolling, and waiver -- justifies an extension of applicant's temporary disability benefits beyond two years from first payment. Moreover, ''[c]ourts are usually reluctant to develop new forms of equitable relief in a field normally assigned to legislative policy.''  The Panel comprised of Brass, Cuneo, and Caplane reversed the Judge and the Court of Appeals summarily denied the writ of review and allowed the insurer to seek its costs from the Workers Compensation Judge.

 

With both of these decisions, there is new clarity and certainty taking hold with the TTD issues.

 

Thanks for your attention.  Enjoy the Spring!

Don't miss Steve's Legal Update at the SBICA Luncheon on May 16th. 

See the events calendar for more information......

Have a question for Steve?

Don't hesitate to ask.  Email it to: steve@adjustingworld.com and get it answered right here.

 

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