I only had a wind insurance policy on my home can my lender still force place insurance on my prooperty? |
| I recently had a forced place insurance policy put on my home by a lender who aquired my loan from another company. they are telling me that my wind policy is just supplemental and doesnt count as ... |
|
What type of life insurance should I get that I can take money out after 20 years if I don't die? |
| I'm 32 years old and in excellent health. I want to have at least $500,000 life insurance for my family. What type of life insurance should I choose.... |
|
Am diabetic, I have no health insurance, am disabled, live in AJ Ariona, I need a doctor, where can I go? |
I am diabetic, I have no health insurance, am disabled, live in Apache Junction, Arizona, I need a doctor, where can I go?
My husband cannot get medical insurance through his work, AHCCS denied ... |
|
Health insurance question: what does some of this stuff mean? Coinsurance, 4th quarter carryover, etc? |
| My health insurance just changed. We got a form that shows the differences between the two companies. I have a few questions about stuff that I don't understand. (I am a veterinarian, not a ... |
|
Question about insurance liabilty when driving a drunk friend home in his car? |
| My friend asked me to drive his car for him to pick him up because he was drinking. I picked him up and on the way home got into a fender bender at my fault. His insurance paid for the damages done ... |
|
Is a sales men for a insurance company a good job to get into? |
| I went to an interview today for an insurance company and practically was offered the job on the spot, but how do i know he wasnt just selling me the job also?... |
|
How good are umbrella policis against todays numerous and nonsense suits? |
| In these days people sue for anything and sometimes win. How good are homeowner Umbrella polices and do they guard you against almost anything. Is there any other supplemental insurance to cover ... |
|
My father left me Life insurance money when he died that i can get once i turn 18? |
| but my mother is claiming that shes not going to let me have it. Can she really stop me from having the money that my father left me for when i turn 18?... |
|
Travel insurance for disabled people with mobility problames? |
Please can somebody Help
A few days ago I booked a cottage in Southern Ireland.
My Bank the nat west In formed me that they can not cater For People who take Doctor prescribed Drugs I.E. D... |
|
Student Health Insurance - any help? |
| Starting nursing school, was told to use on-line health insurance companies. Anyone have feedback on reputible company? I'm in the state of PA.... |
|
Is there any place in ohio that you can get health insurance without a job? |
| Im 18 and i dont have any health insurance. I need to get some but i dont have anyone to turn to and i dont know where to start. Does anyone know where i can get health insurance or even get started?... |
|
Do i need to get a life,medical or health insurance? |
| do i need to get a life medical or health insurance if i didn't get it through my employer.... |
|
Can she do this???? |
| Ok my husband and I have been married slightly over a year, and my mother in-law still has a life insurance policy on my husband. We now have a child and I want to be sure that if something were to ... |
|
Health Insurance benefit that cannot be accessed easily? |
| I commute 1.5I hours to work (I work 12 hour shifts to cut down on communting time). All the health care plans offered by my job (that 50%/$1600. is deducted from my paycheck annually for) have ... |
|
|  |

Justagirl | Is this a Workers Comp Denial? |
In March of 2007 my husband fell and sustained injuries to his miniscus. During a doctor visit he mentioned also having some numbness and tingling in his hands and some neck pain. The doctor told him this was not related to his injury and no further investigation was made.
Several months later the pain increased and he spoke to a workers comp lawyer to see what he could do and if his case was handled properly. The lawyer sent him to a neurologist and it was determined that yes it was very likely if not probable that this crushed disc in his spine was sustained in the fall. Surgeries followed and the healing process began.
In March of this year he had a hearing where the judge granted him pay up to the surgery and requested he see a doctor of the insurance company's choosing. Which he did. This doctor said in no way shape of form could this have happend in the fall. He went to a hearing today and was told the insurance company is standing by their experts opinion and Additional Details will not be paying any bills or wages.
The judge wants him to come back in 3 months with his doctors as well as to hear his own testimony regarding the accident. He's depressed.
Does this mean he lost? Is there still a chance he can win this? He isn't looking for a "payday" but he hasn't been able to work since the accident and he hasn't received any workers comp payments since January. Which only considered him partially disabled anyway - even though he had spinal fusion surgery.
Does he have a shot at this or are they just hoping by dragging it out that he'll give up and go away. Doctor's bills are in the 6 digit range and impossible to pay.
Any insight will be so appreciated! |
|


65% water
|
I used to work for a company that investigated workers comp claims. The problem as I see it is that your husband's crushed disc was not diagnosed at the time of the fall, but only several months later. In order to win this case he would have to prove that the fall caused the crushed disc, that he had no pre-existing back problems, that he'd engaged in no activity between the fall and the time of the claim that might have injured his back, etc. This is very difficult if not impossible to do when this much time has passed.
In addition you now have several doctors saying several different things. I would suggest you get a lawyer involved in the case if you can, and as high-powered a lawyer as you can find, not some ambulance-chaser. It's possible that if a lawyer gets involved a settlement might be offered. Unless that happens, it seems to me it's going to be a long drawn out process of duelling doctors and conflicting testimony. |
|

Don Drapers woman
 |
Lots of good answers here, however any second opinions will have to be with your own money and they can be very very expensive. $2-3000. As others have stated, at the onset of the injury, nothing was said about a back injury, you will have the burden of proof that the back problems were part of the initial injury. You do not say what type of work your husband does and his age. If he is a construction worker, say late 30's he probably already has herniated discs in his back. Another problem is that almost every adult over the age of 25 has herniated discs in their back, and some neurologist will do surgery on anyone who comes to see them with herniated discs. . I would also be suspicious if he allegedly had a "crushed disc" in his spine but was not bothered by this for several months. If your husband hurt his back badly enough in this fall, and herniated a disc, or crushed a vertebrae, he would have had pain pretty quickly and pretty miserable pain too. It is possible he just has degenerative disc disease too. But, even if the judge does not rule in your husband's favor, you can appeal to the appellate court, However as another person indicated, it is a long process and he should either apply for disability or apply for some retraining thru your state to learn a different job. Your husband should really try to get back to work, even if he wins his case, he will not get enough money live on for any long length of time. |
|

A decent answer
 |
Well the question is was he actually at work when the injury occurred? Meniscus is in the knee so if his primary doctor who saw your husband said that it's now work related its all the work comp company needs to process a denial. Granted they have every right because of the info provided.
Also you mention "several" months later, what happened in between the time from the injury to when you decided to pursue this?
So long story short, technically your hubby's claim is still denied but it's pending litigation, meaning it can change any time depending if the judge goes your way or the insurance way.
Right now all you and your hubby can do is wait and see what happens. This will be a long process. Sorry. |
|

DCA
 |
GallopingGrasshoppers is right...this is not the end of the line for your husband and his W/C claim. If your husband has private or individual disability insurance, I would recommend following up w them to determine whether it would be beneficial to file a claim. It should be noted that some plans cover work related disabilities, and some do not.
If his plan does cover work related disabilities, then your husband's claim could be approved for the periods that he did not receive a benefit through W/C. He will probably have to sign a reimbursement agreement w the insurance company allowing them to pay benefits, however if the W/C claim was ever overturned then he would have to pay the insurance company back.
If the plan does not cover work related disabilities, then your husband's claim could be approved based off the W/C denial. Again, he would probably have to sign the reimbursement agreement w the insurance company.
Either way, he should follow up w his private or individual disability insurance carrier if he has that coverage. If he does not, then it will be up to the judge to determine his eligibility for W/C benefits. He may also have statutory disability benefits he is eligible for...there are a few states that have this benefit. |
|

mbrcatz
 |
No, this doesn't mean he's lost. There's still a good chance he can win, especially if he has multiple doctors that say this was caused by the fall.
It's all up to the judge. |
|

GallopingGrasshoppers
 |
Your husband should get many second medical opinions in favor of of the injury being work-comp -related and he should keep careful record of them for the upcoming court date. He should request all medical records, reports, notes, and itemized bills from any doctor he sees. He should especially see a neurologist of his own choosing to counter the work comp's expert's claims. I wouldn't be surprised if their expert is biased.
Perhaps your husband can apply for disability? |
|

| |
|
| |  |
| Questions List |
Answers | Last Post
| | | |
6 | 37 minutes(s) ago
| | | |
6 | 57 minutes(s) ago
| | | |
6 | 2 hour(s) ago
| | | |
6 | 3 hour(s) ago
| | | |
4 | 7 hour(s) ago
| | | |
6 | 10 hour(s) ago
| | | |
6 | 1 day(s) ago
| | | |
6 | 2 day(s) ago
| | | |
6 | 2 week(s) ago
| | | |
6 | 1 month(s) ago
| |
|