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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.

The Workers' Comp Adjuster Denied a Perfectly Legitimate Claim.

The Case: This client, "John," came to us when the insurance company denied his back claim. Late on a Friday afternoon John slipped and fell on a wet part of the cement loading dock where he worked. He injured his back and cracked his elbow pretty good when he landed on it. He got up, brushed himself off and looked around. Although shaken up, he didn't think there was anything seriously wrong.

He stopped by his supervisor's office, but the boss had left early for a holiday weekend. Figuring that he had a three-day weekend, John decided to take it easy, and if he didn't feel well, he'd report the claim on Tuesday. That night, John wasn't feeling great, and by Monday, he was in pain barely able to get out of bed.

First thing Tuesday morning, John was in his supervisor's office. He explained exactly what happened, and his boss wrote it all down. John was told to go to the local walk-in medical clinic to get checked out. To his horror, John received a letter just a couple of days later from the insurance company. They were denying his claim "on credibility grounds" and basically accused him of injuring his back at home on the weekend and trying to pass it off as a workers' compensation injury.

Here's what we did: We explained to John the insurance tactic of "deny and buy." This is when an insurance company deliberately denies a legitimate claim intending to settle the case cheap when the injured worker starts going broke. We confirmed that John had indeed told the doctor at the clinic that he was hurt on the job. We obtained some short statements from friends who saw him over the weekend and to whom John had described an accident. We noted in John's employment file there was no mention of his being anything but a perfect employee.

At the mediation prior to the hearing at the Industrial Commission, John settled for most of what he was owed for the case. The insurance company still saved money by using this unethical tactic; however, we were able to limit that by a great deal. Because he was able to return to work fairly quickly, John wanted to put this behind him rather than waiting the year or more the Industrial Commission would have taken for a decision.


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FAQs

Workers' Compensation

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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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