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 Posted: Thu Jun 19, 2008 9:42 pm Post subject: |
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| Ok just an update. I actually wound up having a little longer PT and time off. I just turned in everything today to the adjuster. I wound up with 15 weeks off work and $4000 out of pocket medical. With my time off we are at $23000 or so. I called an attorney today to just ask what to expect and if I don't get a decent offer I could call them back and discuss them representing me. I actually talked to the attorneys assistant and she told me something that really worries me. She said to expect about $5000, when I said "Oh for pain and suffering?" she said no.TOTAL!! If this is the case I am so screwed along with my wife and kids. I was always under teh impression I will get my lost wages with no problem. She said they don't have to give me that and more than likely won't. I am really worried at this point. I am going to wait and see what is offered, but how can they not give me my lost wages? Please tell me this lady is wrong!! I'm expecting like 30K which is basically a very low pain and suffering amount. I'm really worried now. |
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rps114
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| Posted: Fri Jun 20, 2008 10:16 am Post subject: |
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| Quote: | | Please tell me this lady is wrong!! I'm expecting like 30K which is basically a very low pain and suffering amount. I'm really worried now. |
That would worry me too! My inital thought is she said that well, to scare you frankly into signing with them...See what the adjuster says first. I've never heard of anyone not paying loss of wage, assuming of course that everything is in order (ie doc had you off work, and your employer provides the requested information, or you can prove this amount) I think your expectation of settlement is probably a good one, however of course you want to ask for more than you are willing to settle for...remembering if you are attorney rep'd...that 30k becomes about 20k after attorney fees!  Let us know and try not to let this worry you unless and until you know there is something to worry about! let us know if we can help you along and please do update us.
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Lori
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| Posted: Thu Jul 03, 2008 12:09 am Post subject: |
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OK I turned everything in and today get a letter from a "claims specialist" who has taken over my case. In the letter it states to fill out medical authorization forms for ANY doctor history for the past 5 years. The only thing I have is a gall bladder surgery a couple of years ago which I have stated. I will drive to the hospital tomorrow and get those records and fax them to the specialist. Other than that I have nothing, not even a doctor vistit. Is this standard procedure (my friend told me that it may get passed on to a specialist because it is a pretty costly claim) hopefully that is correct. I am just worried. Are they trying to find something? Or is this all standard procedure? I'm a little worried and very impatient now.
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rps114
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| Posted: Thu Jul 03, 2008 12:37 am Post subject: |
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It's standard, but you don't have to go get the records, just sign the medical information authorization release and the rep will request the information.
It's routine to look into someones history to see if there was a prior injury..just fill out the med auth and send it back...hang in there!
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Lori
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| Posted: Thu Jul 03, 2008 12:55 am Post subject: |
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Ok thank you I feel better. What is a reason though of them handing it off to someone else? Are there levels of adjusters based on size of claim, or difficulty of claim, set.
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rps114
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| Posted: Thu Jul 03, 2008 12:57 am Post subject: |
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One more ? as well please. I understand it is routine to look at someones med history. However when the adjuster asked me about that I told her no that there had never been another injury. Then when they go to review the file and make an offer, so I thought, it gets transferred and then he sends the med auth forms. Again, this is nothing for me to worry about?
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rps114
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| Posted: Thu Jul 03, 2008 10:15 am Post subject: |
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| Quote: | | What is a reason though of them handing it off to someone else? Are there levels of adjusters based on size of claim, or difficulty of claim, |
Yep...that's exactly it..or the other person that was handling it quit, got fired, promoted etc. | Quote: | | However when the adjuster asked me about that I told her no that there had never been another injury. Then when they go to review the file and make an offer, so I thought, it gets transferred and then he sends the med auth forms. Again, this is nothing for me to worry about? |
I have a little clearer picture (I think) why it was transferred...Is this the first medical authorization you've got? If so the first adjuster wasn't doing their job, and sounds like they got caught not doing their job...by the time it came to review that claim and get an injury range figured out...there should've been every drop of medical information available on you in that claim file. If there was not that is a problem, and something for that adjuster to worry about but not you...Just telling an adjuster you have had no prior injuries isn't good enough (for anyone). We work in an industry that is 'documenation crazy'. I'd say that first adjuster (if I'm understanding this) just might've lost their job...and if so I'm sure it wasn't just your claim... 
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Lori
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| Posted: Sat Oct 17, 2009 5:52 pm Post subject: Pain and suffering |
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RPS I can feel your pain because I am in a boat like yours. I slipped and fell at the grocery store 19 months ago.
I have had 2 MRIs, 3 sessions of Phy Therapy(total of 14 weeks), 5 weekly sessions of deep tissue needle therapy (PNT therapy) on my back, countless appointments with my orthopaedic and neurologist and pain management doctors, 1 surgery consult, 1 surgery for entraped nerve in arm.
My medical is a whopping $83,000 and I have lost about $20,000 in wages (would be more by my boss only lowered my salary $100 a week for 9 months) then I had to go to part time, and because I can not work full time I have lost my medical and 4 weeks of paid vacation time a year and also 18 days of paid sick time a year.
I have a good lawyer and we have had written interrogaritories, discovery (interesting thing came out of that) like the store was told to keep the dirt and debris cleaned out from under the ice machine or it could cause the machine to leak, and then the repair work order when they came out 1 1/2 hours after I fell says the machine is clogged with dirt and debis and leaking with a lot of water under and around the machine. We have had depositions followed by supplimental interrogitories, an appointment for settlement mediation which the store cancelled at the last minute, we are now rescheduled for mediation again in 2 weeks and if I do not settle then we are already on the trial docket for January.
I can tell you, dealing with all the pain and dealing with the lawyers and suff is hard but there is no help for that.
I would recommend you get a lawyer but that is just my opinion. There is no way I could have handled it all by myself. Keep us posted and up to date on how it goes for you.
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Pattycake
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| Posted: Sat Oct 17, 2009 6:00 pm Post subject: pain and suffering |
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RPS it is NOT your job to round up records for the insurance adjusters, just fill out the authorization form and let them do their job.
As for mine my nephew in law got a subpoena to produce records and he is like WHAT THE??? I turned in a prescription he wrote out for pain patches for my back when we were at there house for Thanksgiving and I was in so much pain. OUTCOME.... his legal staff sent a letter that there was mor records that I was family.
Be thankful you only had to list medical for 5 years, mine was the last 10 years. Was hard to think back that far so I did the best I could but made note that "AS FAR AS I COULD REMEMBER". I must not have left anything out because my attorney said they did not find any medical except for heel spur and a check up.
GOOD LUCK and keep us posted.
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pattycake
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