
"I'm so thankful that I found your firm when I did an internet search."
"Your firm works hard for all your clients -- even small ones like me."
"I heard your ad on TV. John Landry and Lindsay are the greatest!"
"You made me feel like I was your only client."
"Thank you! I will never forget all that you did for me."
"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."
Q: Can an employer cancel an injured employee's health insurance while he or she is receiving workers' comp benefits?
A: Unfortunately the employer can cancel your health insurance. Health insurance is not specifically covered by the Workers' Comp Act so it is controlled by either state (for small companies) or Federal (larger companies) law. Often the law is identical: if you drop below 30 hours per week your employer may change your coverage to COBRA. Believe it or not this is usually done at the insistence of the health insurance company and not the employer. Your employer must permit you to continue the insurance at your expense. There are two current exceptions, though. First, if you use your Family Medical Leave Act for time off. then the employer may not collect the insurance premiums during that 12-week period. They are able to collect them upon your return to work, though, so be aware. Second, under the President's stimulus plan employers are required to pay a large portion of the insurance premiums for several months. We've seen mixed results for this being applied to injured workers because technically you need to be "able to work" to fall under the provision. And if you were fully "able to work" you probably wouldn't have this question.

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
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: 336-271-6769
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
904 South Cox Street
Asheboro, NC 27203
Phone: 336-633-4496
Fax: 336-633-3394
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: 704-574-1819
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
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.