
"I wanted expert legal advice and I certainly got it!"
"Oxner Thomas Permar has a well-known reputation for fighting fair and winning cases. We were well-prepared by our attorney, and we were given thorough guidance and options."
"I think of everyone involved on my case at OTP as friends. You all always had a warm greeting and a smile for me and you took a big interest in my case."
"Without my attorney's help, I would have been hung out to dry. He looked out for me!"
"I could not be more pleased with the outcome of my case! Amy Berry and Amy Gallimore are great communicators. They are super friendly and professional."
"Everyone on the team was really personable and professional."
"Count me as 100% satisfied. Kristin Packard is superb and Shelby Duncan is outstanding."
"The quick response and action by Justin Wraight when my case came to a critical point was impressive."
"I didn't have to deal with a bunch of legal jargon. You explained it all to me so I could understand what was going on, and I appreciate that."
"Everybody was totally straight forward with me. I didn't feel like I was just paperwork to them."
The Case: "Melissa" was a registered nurse. Because she was the sole breadwinner in her household, she worked for two different medical facilities. Her employers had rules which placed limits on how many hours she could work without rest. For example, she was not allowed to work a 12 hour shift for one facility and immediately work another 12 hour shift for the other facility. This rule made sense for all parties involved. Because she was limited in the shifts she could work, she went out of her way to work weekends and holidays which paid significantly higher hourly rates. Though she was quite busy, she earned a very high wage for her work.
Unfortunately, while caring for a patient, Melissa injured her knee. As a result, she had to have surgery. The workers' compensation carrier based her weekly compensation benefits on the normal hourly rate for a nurse. They failed take into account that Melissa more often than not worked periods which paid higher than normal. Consequently, Melissa's weekly compensation rate was significantly less than what it should have been.
Melissa, who was unfamiliar with the workers' compensation process, was unsure what she was entitled to. She knew workers' comp paid less than her pre-injury salary. She just assumed that the insurance company would get it right. Thus, for many months she received the incorrect amount without question. This was especially hard for Melissa because her injury prevented her from doing either job. One painful reality of the workers' comp laws is that benefits are only to be paid based average weekly wage of job in which you were injured. Second or moonlighting jobs are not considered in the equation. It goes without saying that since Melissa was only to receive benefits based on the job in which she was injured, her compensation rate needed to reflect all of her wages, including weekend and holiday rates of pay.
What we did: Soon after meeting with Melissa, we determined that her weekly compensation rate was incorrect. We asked her to produce pay stubs and previous W-2 tax forms. We then demanded that the insurance company complete a Form 22. The Form 22 is a form that the employer must indicate how much the employee was paid each month and how many days he or she worked. With the check stubs and Form 22, we convincingly argued that she should be receiving a higher weekly compensation rate. Furthermore, the insurance company had to go back and pay Melissa the amount they had previously shortchanged her.
For Melissa's sake, the insurance carrier didn't get away with paying less than they were supposed to, but it happens all too often. Never assume that the benefits you are receiving are correct just because the workers' compensation insurance company says so.

Our book
"10 Ways to Wreck Your
Workers Compensation Claim"
Our controversial report
"10 Things Your Insurance Adjuster Wont Tell You"
"Deny & Buy" - Confessions of Former Insurance Defense Attorneys
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What's the definition of Average Weekly Wage?
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.