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DISCLAIMER: Please note that every case is different and these verdicts and settlements, while accurate, do not represent what we may obtain for you in your case.

A Favorite Trick of Adjuster's: Send the Notice They Want to Cut Your Checks to the Wrong Address. That Way You Cannot Object to It.

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.


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Greensboro, NC 27405
Phone: 336-274-4494
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OTP - Winston-Salem
110 Oakwood Drive, Suite 420
Winston-Salem, NC 27103
Phone: 336-274-4494
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Burlington, NC 27215
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Asheboro, NC 27203
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Raleigh, NC 27612
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Fayetteville, NC 28314
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Charlotte, NC 28202
Phone: 704-547-1617
Fax: 704-334-2213
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Hickory, NC 28601
Phone: 828-322-1271
Fax: 828-322-1643
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Wilmington, NC 28405
Phone: 910-509-7274
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Greenville, NC 27858
Phone: 252-294-1109
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Rock Hill, South Carolina 29730
Phone: 803-327-0078
Toll Free: 1-866-OTP-LAW1

FAQs

Workers' Compensation

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?

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Case Studies

Workers' Compensation

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.

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