
"Mr. Richardson and Ms. York were always available - and they did a terrific job."
"Chip Permar and his team were outstanding!"
"You showed so much concern for me as a person -- there is such a personal touch to everything you do."
"I don't know what I would have done without you!"
"We were nervous at first, but you put us at ease."
"John and Stephanie were patient with me. Great teamwork!"
"Being injured turned into a life-changing event, but it was comforting to know that you understood me and were only a phone call away."
"You guys are on top of your game."
"I researched law firms on the internet, and I could not have asked for a better attorney."
"Whenever I called I got answers."
The Case: "Marc" was a construction worker who was carrying several long sections of pipe with a co-worker when his partner lost his balance and dropped his end. Marc struggled to throw the heavy pipes away from himself but badly twisted his knee in the process. Although this was an obvious interruption of the normal work routine and directly caused an injury to Marc, the adjuster took nearly six weeks to turn on his checks. Marc wiped out his savings and had to borrow money from family to make his rent, utility and car payments.
Marc underwent arthroscopic knee surgery to repair a torn ligament in his knee. His insurance company provided a rehabilitation nurse to coordinate the medical treatment. She asked to meet Marc at his house, but he told her that he'd moved in with his girlfriend in an effort to save money. The rehabilitation nurse routinely called Marc at his girlfriend's house and sent letters to him at that address.
His employer had never had anything even close to a light duty position but that didn't stop the insurance company from sending the rehabilitation nurse to the doctor with a promise of light duty work. The doctor told Marc that he was inclined to send him back to work on light duty as long as there was no heavy lifting involved. Hearing this, the rehabilitation nurse gave the doctor a letter from the employer stating that there was light duty available for Marc at whatever restrictions the doctor imposed. The doctor limited Marc to no lifting over twenty pounds.
On the way home from the doctor's office, Marc called his boss and asked about the light duty job. He wasn't exactly surprised when he learned that the employer wanted him to do his regular job but that help would be provided if he was really going to be a wimp about it. Marc decided not to report to work the next day. Neither the employer nor the insurance company contacted him about the job again. A month later his workers comp checks stopped.
Marc immediately called the adjuster asking what was up. The adjuster advised him that the Industrial Commission had granted permission to terminate the checks after she filed a Form 24. When Marc said he never saw the Form 24 the adjuster laughed, and said "I guess that's why you didn't respond to it."
Here's what we did: Marc tried to work this out with the adjuster for several weeks before coming to us. By this time, he was just about broke again. The Industrial Commission gave us a copy of the Form 24, and we immediately spotted the problem. The adjuster had sent the Form 24 to Marc's old address.
We asked the Industrial Commission to order a reinstatement of Marc's checks. The adjuster objected and claimed that she had no idea that Marc had moved. When we showed the Industrial Commission the rehab nurse's reports referring to the change of address and listing the new one, the adjuster claimed she had never actually read that part of the report. Unbelievably, the Industrial Commission initially took the insurance company's side and ruled that because Marc had never told the adjuster directly of the move, the Form 24 could be sent to the last "official" address.
We appealed this horrendous decision. Just prior to the hearing on the appeal we were able to settle Marc's claim for all of the back pay and some money to carry him into the future. We were bitterly disappointed with the Industrial Commission's bias against injured workers, but we and Marc agreed that the settlement was his best option under the circumstances.

Our book
"10 Ways to Wreck Your
Workers Compensation Claim"
Our controversial report
"10 Things Your Insurance Adjuster Won't Tell You"
"Deny & Buy" - Confessions of Former Insurance Defense Attorneys
"Lightning Strikes Twice" - How to Avoid Becoming a Victim of Personal Injury Insurance Companies
Download a copy of each book in the Library section or click on a title above, and we'll mail it to you.
OTP - Greensboro
1155 Revolution Mill Drive,
Studio 4
Greensboro, NC 27405
Phone: 336-274-4494
Fax: 336-274-4525
Toll Free: 1-866-OTP-Law1
Get Directions
OTP - Winston-Salem
110 Oakwood Drive, Suite 420
Winston-Salem, NC 27103
Phone: 336-274-4494
Fax: 336-631-5225
Toll Free: 1-866-OTP-Law1
Get Directions
OTP - Burlington
409 Alamance Road, Suite C
Burlington, NC 27215
Phone: 336-226-5925
Fax: 336-226-4492
Toll Free: 1-866-OTP-Law1
Get Directions
OTP - Asheboro
854 South Cox Street
Asheboro, NC 27203
Phone: 336-633-4496
Fax: 336-633-4494
Toll Free: 1-866-OTP-Law1
Get Directions
OTP - Raleigh
3700 Glenwood Avenue, Suite 350
Raleigh, NC 27612
Phone: 919-573-5241
Fax: 919-785-2239
Toll Free: 1-866-OTP-Law1
Get Directions
OTP - Fayetteville
4200 Morganton Road, Suite 200-11
Fayetteville, NC 28314
Phone: 910-764-3363
Fax: 910-764-3364
Toll Free: 1-866-OTP-Law1
Get Directions
OTP - Charlotte
550 S. Caldwell Street, Suite 1800,
Charlotte, NC 28202
Phone: 704-547-1617
Fax: 704-334-2213
Toll Free: 1-866-OTP-Law1
Get Directions
OTP - Hickory
101 Government Avenue SW
Hickory, NC 28601
Phone: 828-322-1271
Fax: 828-322-1643
Toll Free: 1-866-OTP-Law1
Get Directions
OTP - Wilmington
1213 Culbreth Drive,
Wilmington, NC 28405
Phone: 910-509-7274
Toll Free: 1-866-OTP-Law1
Get Directions
OTP - Greenville, NC
3800 East 10th Street
Suite 101
Greenville, NC 27858
Phone: 252-294-1109
Toll Free: 1-866-OTP- Law1
Get Directions
OTP - Rock Hill, SC
3014 South Cross Boulevard
Rock Hill, South Carolina 29730
Phone: 803-327-0078
Toll Free: 1-866-OTP-LAW1
Get Directions
OTP - Greensboro
1155 Revolution Mill Drive,
Studio 4
Greensboro, NC 27405
Phone: 336-274-4494
Fax: 336-274-4525
Toll Free: 1-866-OTP-Law1
OTP - Winston-Salem
110 Oakwood Drive, Suite 420
Winston-Salem, NC 27103
Phone: 336-274-4494
Fax: 336-631-5225
Toll Free: 1-866-OTP-Law1
OTP - Burlington
409 Alamance Road, Suite C
Burlington, NC 27215
Phone: 336-226-5925
Fax: 336-226-4492
Toll Free: 1-866-OTP-Law1
OTP - Asheboro
854 South Cox Street
Asheboro, NC 27203
Phone: 336-633-4496
Fax: 336-633-4494
Toll Free: 1-866-OTP-Law1
OTP - Raleigh
3700 Glenwood Avenue, Suite 350
Raleigh, NC 27612
Phone: 919-573-5241
Fax: 919-785-2239
Toll Free: 1-866-OTP-Law1
OTP - Fayetteville
4200 Morganton Road, Suite 200-11
Fayetteville, NC 28314
Phone: 910-764-3363
Fax: 910-764-3364
Toll Free: 1-866-OTP-Law1
OTP - Charlotte
550 S. Caldwell Street, Suite 1800,
Charlotte, NC 28202
Phone: 704-547-1617
Fax: 704-334-2213
Toll Free: 1-866-OTP-Law1
OTP - Hickory
101 Government Avenue SW
Hickory, NC 28601
Phone: 828-322-1271
Fax: 828-322-1643
Toll Free: 1-866-OTP-Law1
OTP - Wilmington
1213 Culbreth Drive,
Wilmington, NC 28405
Phone: 910-509-7274
Toll Free: 1-866-OTP-Law1
OTP - Greenville, NC
3800 East 10th Street
Suite 101
Greenville, NC 27858
Phone: 252-294-1109
Toll Free: 1-866-OTP- Law1
OTP - Rock Hill, SC
3014 South Cross Boulevard
Rock Hill, South Carolina 29730
Phone: 803-327-0078
Toll Free: 1-866-OTP-LAW1
The accident wasn't my fault so can I sue my employer?
If I can't sue my employer, can I sue someone else?
What is "Maximum Medical Improvement" and what happens at that point?
What Can Go Wrong with a Return to Light Duty Work.
How a Functional Capacities Evaluation Can Wreck a Claim.
An Example of a Workers' Comp Adjuster Manipulating the Recorded Statement.