2013년 10월 27일 일요일

Agustin Turley's blog ::GREGORY SMITH LAW FIRM AUGUSTA GEORGIA, Gregory W. Smith Attorney At Law Workers Compensation Lawyer Augusta GA.






Agustin Turley's blog ::GREGORY SMITH LAW FIRM AUGUSTA GEORGIA, Gregory W. Smith Attorney At Law Workers Compensation Lawyer Augusta GA.










Before               you               read               this               article               I               want               you               to               know               that               I               am               not               an               attorney               or               any               sort               of               legal               professional.

I               am               merely               someone               sharing               a               few               things               I've               learned               through               personal               experience               as               well               as               people               I               have               known               who               were               injured               on               the               job               and               thus               tangled               in               a               workman's               comp               web.

There               seems               to               be               a               lot               of               injustices               in               the               system               workman's               comp               uses.

To               be               fair               there               is               also               a               lot               of               minor               injuries               that               some               people               over               inflate               in               an               effort               to               collect               benefits               well               after               their               injuries               have               healed.

In               any               event,               the               first               thing               you               need               to               do               after               alerting               your               boss               that               you've               been               in               a               work               related               accident               and               telling               him               exactly               what               happened               is               to               seek               legal               council.

They               can               direct               you               what               to               do               next.

In               a               lot               of               cases               some               attorneys               can               tell               you               where               to               go               to               seek               medical               attention.

Also,               try               to               remember               who               may               have               witnessed               the               accident,               this               to               is               very               important               as               some               insurance               companies               try               to               discredit               you               in               saying               you               were               to               blame.

I               also               want               to               say               unless               you               are               truly               injured               with               an               injury               that               will               impair               you               in               some               way               or               at               least               hinder               your               ability               to               work               for               a               while,               don't               bother,               just               lick               your               wounds               and               move               on,               as               fraudulent               claims               make               it               increasingly               difficult               on               the               truly               injured.

If               you               are               able               to               work,               by               all               means               do               so!
               One               thing               that's               been               realized               is               that               insurance               companies               and               their               adjusters               are               not               your               friends.

Simply               put,               their               in               business               to               make               money               not               to               support               charity               cases.

Unfortunately               that's               how               they               view               injured               workers               as               a               drain               on               their               economy.

This               doesn't               mean               they               are               all               bad               people,               to               them               it's               all               about               the               money               and               paying               out               as               little               as               possible.

Many               of               these               people               are               just               looking               out               for               their               companies               best               interest.

Sadly               paying               injured               workers               is               not               in               their               best               interest.
               The               sooner               you               understand               how               they               think,               and               to               them               it               is               all               about               the               bottom               line               and               how               they               can               hold               on               to               it.

The               sooner               you'll               understand               what               their               so               called               system               is               doing               to               injured               workers.
               Your               average               weekly               salary               no               matter               what               your               profession               is               a               very               important               factor               in               your               claims               value.

It               is               the               basis               on               what               the               adjuster               will               use               to               value               your               claim.

What               this               means               is               all               the               hours               you               worked               including               overtime,               bonuses               for               performance,               holiday               bonuses,               per               diem,               including               money               for               gas,               meals,               lodging,               or               any               other               allowances               are               all               factors               in               determining               your               weekly               salary.

One               of               the               most               difficult               things               is               tips.

Everybody               knows               people               who               as               servers               and               rely               on               tips               for               their               wage               don't               always               report               it               all.

Generally,               your               wage               will               be               determined               at               a               rate               of               a               servers               wage               which               in               most               cases               is               less               than               or               around               three               to               four               dollars               an               hour.

Fighting               for               unreported               income               is               difficult               but               can               be               done.

This               may               be               the               difference               in               just               making               it               or               being               in               the               poor               house.

Reporting               all               your               income               and               being               able               to               prove               it               is               extremely               important.

Because               as               we               know               workers               comp               only               pays               66.6%               of               your               wages               which               in               a               lot               of               cases               is               not               enough               to               survive.
               Once               you               start               getting               checks               don't               think               that               they               can't               be               stopped,               this               is               not               the               case.

There               are               a               few               ways               that               they               indeed               can               be               stopped.

They               do               have               ways               to               stop               paying               you,               after               all               this               is               their               main               objective.

They               can't               be               stopped               just               for               any               reason               like               they               don't               like               you               so               they               don't               want               to               pay               you.

At               some               point               they               may               have               someone               like               a               private               investigator               follow               you               to               see               if               you               are               doing               something               you               previously               said               you               were               unable               to.

This               isn't               much               to               worry               about               and               in               fact               gives               them               a               look               at               what               you               do               in               your               day               to               day               life.

If               your               not               lifting               heavy               objects               or               changing               car               tires               or               doing               something               you               say               you               can't               then               it's               no               big               deal.

But               if               you               are               doing               something               you               say               your               are               unable               to               do               than               surely               there               will               be               trouble.

Another               way               is               often               a               tactic               used               by               insurance               companies,               they               get               your               employer               to               create               a               job               for               you               until               you               are               better               and               in               some               cases               paying               the               same               wage               as               before               your               injury.

Now               the               wage               may               not               be               as               much               but               this               will               still               allow               the               insurance               company               to               pay               you               less.

In               a               nut               shell               if               you               can               do               a               little               work               maybe               not               your               old               profession               workers               comp               can               adjust               your               check               accordingly               which               is               always               less               never               more.

Supposed               your               boss               comes               up               with               something               just               to               keep               you               busy               until               you               heal,               nothing               much               really,               busy               work,               something               where               you               can               be               sedentary               and               still               get               paid               the               same               as               before               your               injury.

If               this               sounds               good               you               had               better               rethink               it.

The               insurance               company               can               now               cut               off               your               check,               because               if               you               go               back               to               work               the               insurance               gains               the               upper               hand,               and               you               lose               any               kind               of               leverage               you               may               have               once               had.

No               one               can               force               them               to               start               paying               you               again.

Next,               it's               only               a               matter               of               time               before               your               boss               gets               tired               of               paying               you               for               nothing.

It               may               not               seem               like               nothing               to               you,               but               to               them               it's               not               what               they               hired               you               for               in               the               first               place               and               they               will               undoubtedly               let               you               go.
               At               this               point               you               couldn't               be               worse               off,               no               employer               wants               to               hire               anyone               who's               not               able               bodied               or               has               a               host               of               physical               limitations               with               medical               problems.

Likewise,               would               they               hire               you               knowing               you               are               involved               in               a               comp               dispute               against               your               last               employer.

Do               not               get               me               wrong,               if               you               are               capable               of               work,               you               should               work,               but,               make               sure               it's               a               real               job               and               not               made               up               for               the               sake               of               the               insurance               company               and               your               employer               to               save               a               few               bucks.

A               job               that               will               be               offered               to               able               bodied               person               walking               in               off               the               street.

That               is               only               if               your               up               for               it,               and               you               can               do               the               work               without               any               risk               of               further               injuries               or               issues               stemming               from               your               previous               accident.

Give               it               serious               thought.

You               will               be               compensated               until               you               go               back               to               work               that               is               if               you               are               ever               able               and               if               you               are               not               able               likely               there               will               be               a               settlement               agreed               upon.

What               happens               if               you               really               can               not               do               the               job?

Or               your               injuries               resurface               and               you               just               went               back               to               work               rather               than               reaching               a               settlement               agreement?

The               adjuster               is               supposed               to               send               you               back               to               a               physician               usually               the               treating               doctor.

What               happens               next               is               that               they               will               take               you               out               of               work               and               put               you               back               on               the               insurance               companies               payroll,               now,               how               happy               do               you               think               they               will               be               to               send               you               back               to               the               Dr               knowing               the               ultimate               outcome?

Not               very.

In               fact               it               probably               won't               happen               anytime               soon               and               there               is               no               way               to               speed               them               up.

As               long               as               you               still               collecting               comp               checks               the               ball               is               still               in               your               court               a               leverage               you               hold               over               them.

So               before               returning               to               work               be               sure               you               are               able               to               do               the               job               and               know               what               job               it               is               you               are               going               back               to               do.

Do               this               only               if               your               Dr.

agrees.
               When               and               if               the               insurance               company               accepts               your               claim               for               some               reason               they               get               to               choose               your               doctor.

You               can               get               a               second               opinion               or               at               least               ask               for               it,               but               you'll               have               to               pay               for               it.

You               should               understand               insurance               companies               have               been               around               a               long               time               even               in               your               area.

If               you               bear               that               in               mind               than               you               should               also               understand               that               there               probably               very               familiar               with               most               Dr's               in               your               area.

That               would               probably               hold               true               for               the               Dr's               specializing               in               injuries               most               workers               suffer,               what               this               means               is               they               are               all               to               familiar               with               which               doctor               will               listen               to               the               patient               rather               than               the               insurance               company.

Remember,               sending               you               back               to               work               quickly               is               in               their               best               interest.

A               doctor               who               would               listen               to               a               patient               when               a               patient               says               that               they               are               having               a               lot               of               problems               is               not               something               an               insurance               company               of               adjuster               is               looking               for               in               a               doctor.

To               them               it's               all               about               them               hanging               on               to               their               money.

You               can               be               certain               this               is               why               they               have               chosen               a               doctor               that               you               are               going               to.
               This               is               no               way               that               the               doctors               they               use               most               frequently               are               not               great               doctors,               it's               just               another               part               of               their               hidden               agenda,               and               one               of               the               many               ways               they               have               of               getting               you               back               to               work               whether               you               are               ready               or               not.

That               being               said,               I               am               sure               the               doctor               they               sent               you               to               come               highly               recommended               at               least               by               their               standards.

The               adjusters               or               the               insurance               companies               certainly               wouldn't               want               anything               bad               to               happen               if               surgery               was               necessary               -               that               pay               out               would               be               tremendous               and               cost               them               even               more               of               their               precious               money.

They               do               want               however               the               doctor               they               choose               to               have               their               back               and               side               with               them               should               the               situation               arise.

Basically,               they               look               for               doctors               who               are               more               apt               to               side               with               them               verses               the               injured               party.
               A               rehab               nurse               will               be               assigned               to               your               case.

A               smiling               face,               someone               who               seems               friendly               enough               to               share               your               problems               with.

IT               IS               NOT               WHO               OR               WHAT               IT               SEEMS!

There               not               your               friend,               it's               all               a               big               front               to               get               you               to               feel               relaxed               enough               to               volunteer               info               that               they               can               in               some               way               use               against               you               for               their               benefit.

You               are               better               off               not               to               say               too               much.

Answer               any               reasonable               questions               as               there               will               be               many.

Any               medical,               or               legal               questions               are               best               left               for               your               doctor               or               attorney               to               field.

Their               sole               purpose               is               to               provide               the               insurance               company               with               information               although               they               are               supposed               to               put               your               best               interest               first               they               still               work               for               and               are               hired               by               the               insurance               company.

Yet               if               they               were               supposed               to               put               your               interest               first               than               why               do               they               take               anything               you               may               say               to               them               and               twist               it               around               and               use               it               and               try               to               throw               you               in               front               of               a               fast               moving               bus?

I               urge               you               not               to               answer               any               questions               of               a               medical,               legal,               or               of               a               nature               where               it               could               be               misused               -               and               misused               it               will               be.
               Remember               although               every               case               is               unique               they               will               all               be               met               with               the               same               tactical               protocol,               that               is               discourage,               discredit,               and               ultimately               try               to               deny.

They               treat               every               injury               as               suspect               and               view               them               as               almost               criminal               to               try               to               keep               you               from               pursuing               your               case               to               the               fullest.

So               please               always               be               on               alert               and               always               keep               everything               documented               with               your               doctor               as               well               as               your               attorney               because               they               truly               don't               care               about               you               or               have               your               best               interest               at               heart.

To               them               it's               all               about               their               bottom               line!




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