Guest guest Posted July 30, 2008 Report Share Posted July 30, 2008 GOOD LUCK, TOM...I GOT HURT AT HOME BY TRIPPING LIKE A DOPE...SO I CAN'T OFFER YOU ANY HELP..JUST MY SINCERE SUPPORT. GENLTE HUGS TO ALL, KATHY G. **************Get fantasy football with free live scoring. Sign up for FanHouse Fantasy Football today. (http://www.fanhouse.com/fantasyaffair?ncid=aolspr00050000000020) Quote Link to comment Share on other sites More sharing options...
Guest guest Posted July 30, 2008 Report Share Posted July 30, 2008 You need to do some research on workers comp in your state. Also, you could just plain ask them before accepting the offer. Oh, and check with your regular medical to find out if they will cover you even though it started out as a workers comp injury. Maybe its more beneficial to take higher cash and move to your other medical, on the other hand if you are gonna need future medical you get it in writing as part of the settlement that they will cover all medical related to your injury and take less money. I was offered a crap settlement back in 2003 and boy am I glad I didnt take it. It came with no future medical and it wasnt even a years worth of wages. I refused to settle and then got myself a lawyer that only gets paid when I get paid. So I didnt have to put any money down and I dont pay him anything unless I receive money from workers comp and its taken directly out before I see it. I havent actually reached my actual settlement, cause I had been put back on temp disability (which I fought for) and then when they tried to settle later on I again refused pending the stimulator and that it was unfair. Thanks to my stubborness I have been evaluated by surgeons, specialists, and psychiatrists both back in 2004 and again in 2008 with all doctors noticing a huge decrease in my abilities and had psych added to my settlement. They tried to refuse this originally but I fought until I got it across that my depression was because of my injury. A lawyer can help you defend yourself and tell you your rights. If it werent for my lawyer I wouldnt even have been evaluated and also I wouldnt have a stimulator....I am now waiting for my next settlement hearing date. The lawyer fought for me on all levels...doctors, meds, surgeries, etc etc....... Please do your research and if you need to a lawyer so you dont get screwed....they will try to low ball you in order to dump your case and then you end up feeling screwed and will have no recourse if you do get screwed. Deanna Workers Comp buy out Hi Group, Has anyone had experience with the comp carrier offer a cash settlement for you injury? In other words, getting your injury off the books...My comp carrier has approached me saying they would intertain the idea of a cash settlement. If this were to take place, would I then be responsible for any Dr bills on my back or would my health insurance kick in? Thanks for the help Tom Quote Link to comment Share on other sites More sharing options...
Guest guest Posted July 31, 2008 Report Share Posted July 31, 2008 The insurance company offered me a cash settlement on future medical. My pain management doctor told me they do this, to be relieved of their responsibility. They offer what sounds like a large settlement, but in the long run it is not enough to cover a lifetime of medical bills. If you receive SSD and have medicare, the way I understand it you have to show that your settlement is used to cover expenses before they will cover costs. You do need to ask a lawyer before you make a decision. Having worked for an insurance company, I can tell you that they are not in the habit of offering money for YOUR benefit. They are looking at " saving themselves a dime. " From: tompyro2000 <tomthepyroguy@...> Subject: Workers Comp buy out Stimulator Date: Wednesday, July 30, 2008, 7:48 PM Hi Group, Has anyone had experience with the comp carrier offer a cash settlement for you injury? In other words, getting your injury off the books...My comp carrier has approached me saying they would intertain the idea of a cash settlement. If this were to take place, would I then be responsible for any Dr bills on my back or would my health insurance kick in? Thanks for the help Tom Quote Link to comment Share on other sites More sharing options...
Guest guest Posted July 31, 2008 Report Share Posted July 31, 2008 I also am going through with what called comutation workers comp buy out. My stipulation is that all medical will still be future covered by w/c Due to having a stimulator which needs to be matained and seeing that i am on medication so all these must not be settle so w/c will buy me out of payaable income. my lawyer is taking over with this. he said my case is upper 6 figure amount we are waiting for there offer. I added up my life time income it is near a million if i dont get 900 thousand or more i will reject offer. and still get that money by staying on total perment disability my woorker comp pays me $1420 a month if you added that up i am 37 my life expectionally is 77 years due the math. im not going to settle for anything less. becuse i will get the amount i want by staying on w/c oh also ssdi involed in this due to people taaking a buy out then putting all medical on ssdi instead on w/c so it a lenthy process we will see w/c has already haas done there report they have not sent it yet to my lawyer. mike group owner > > From: tompyro2000 <tomthepyroguy@...> > Subject: Workers Comp buy out > Stimulator > Date: Wednesday, July 30, 2008, 7:48 PM > > > > > > > Hi Group, > > Has anyone had experience with the comp carrier offer a cash settlement > for you injury? In other words, getting your injury off the books...My > comp carrier has approached me saying they would intertain the idea of > a cash settlement. If this were to take place, would I then be > responsible for any Dr bills on my back or would my health insurance > kick in? > > Thanks for the help > > Tom > > > > > > > > > > > > > > > > > > > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted August 2, 2008 Report Share Posted August 2, 2008 I have altready had a settlement. i was refering to a w/c buyout where workers comp would only be liable for future medical everything else would be my responsibililty. mike owner > > > > From: tompyro2000 <tomthepyroguy@ ...> > > Subject: Workers Comp buy out > > Stimulator@gro ups.com > > Date: Wednesday, July 30, 2008, 7:48 PM > > > > > > > > > > > > > > Hi Group, > > > > Has anyone had experience with the comp carrier offer a cash > settlement > > for you injury? In other words, getting your injury off the > books...My > > comp carrier has approached me saying they would intertain the idea > of > > a cash settlement. If this were to take place, would I then be > > responsible for any Dr bills on my back or would my health > insurance > > kick in? > > > > Thanks for the help > > > > Tom > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted August 2, 2008 Report Share Posted August 2, 2008 ---Mike Good morning,,, I have a sister in law that has RSD due to a work injury.Awhile back they did a settlement,,, they put x amount of money into an account for medical expences, she said it should be enough to last the rest of her life,she just had a huge pool and deck put in,, said it helps her RSD pain,, yeah right,, but anyway, they way she talked they gave her a bunch of money plus she is still recieving her paycheck every two weeks plus recieving SSD.We live in Ohio,, dont know how other states do it,,,, soft hugs Quote Link to comment Share on other sites More sharing options...
Guest guest Posted August 2, 2008 Report Share Posted August 2, 2008 Have you been turned down twice and now you are waiting on a ALJ hearing, is this what you are saying? 31/2 yr's sounds like a very long time. Before I got my hearing Date I call my congressman, he told me they cannot interfere with the case, but they can find out where your case is. After I talked to him and before I could talk to him again I received a letter with a Hearing Date. So I don't know what to say if he helped move things along, but it cannot hurt. Good Luck > > > > > > From: tompyro2000 <tomthepyroguy@ ...> > > > Subject: Workers Comp buy out > > > Stimulator@gro ups.com > > > Date: Wednesday, July 30, 2008, 7:48 PM > > > > > > > > > > > > > > > > > > > > > Hi Group, > > > > > > Has anyone had experience with the comp carrier offer a cash > > settlement > > > for you injury? In other words, getting your injury off the > > books...My > > > comp carrier has approached me saying they would intertain the > idea > > of > > > a cash settlement. If this were to take place, would I then be > > > responsible for any Dr bills on my back or would my health > > insurance > > > kick in? > > > > > > Thanks for the help > > > > > > Tom > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted August 5, 2008 Report Share Posted August 5, 2008 -you are 100 percent correct. my lawyer told me it could be until year after you agree due to medicare ss there involved in the process. Idont think i will settle becuse I am asking alot. mike group owner-- In Stimulator , DENNIS HOUGHTON <dennishougthon@...> wrote: > > To all, > > Just a word of advice as I am going through the same thing and I have spent hours and hours researching this very issue. You MUST get Medicare approval of the medical portion of your settlement otherwise when the money runs out Medicare WILL NOT COVER YOUR WORK RELATED INJURY! I spoke to the guru in Baltimore Medicare that handles these. She said that ins. co will try to get you to settle without Medicare's approval. As long as Medicare signs off on your medicle sttlement and you run out of money then they have to cover you. It takes 6 months or longer to get the approval. I am waiting on mine. > > Dennis-Ohio > > Jo May <jomaylpn@...> wrote: > You are talking about worker's comp settlement from the injury. My insurance company came back after that and wanted to settle on future medical costs. I thought thaat is what he was talking about. I don't understand how they propose to do so as no one can know what it will cost given the uncertainty of the worseningof the condition, or future progess made in treatment or rising costs of meds/treatments. But the insurance companies are known for attempting to " dump " a file as " cost efficiency " They will do so when they feel you have reached " maintenance care " > > As far as what you will get from a worker's comp settlement, you should be able to go to your state worker's comp website. They have a specific formula for figuring settlement amounts. Ours in Kentucky is easy to follow. They don't pay you by your hourly wage times how many years you could have worked. > > > From: mike2boys <mike2boys@...> > Subject: Re: Workers Comp buy out > Stimulator > Date: Thursday, July 31, 2008, 8:21 AM > > I also am going through with what called comutation workers comp buy > out. My stipulation is that all medical will still be future covered > by w/c Due to having a stimulator which needs to be matained and > seeing that i am on medication so all these must not be settle so w/c > will buy me out of payaable income. my lawyer is taking over with > this. he said my case is upper 6 figure amount we are waiting for > there offer. I added up my life time income it is near a million if i > dont get 900 thousand or more i will reject offer. and still get that > money by staying on total perment disability my woorker comp pays me > $1420 a month if you added that up i am 37 my life expectionally is > 77 years due the math. im not going to settle for anything less. > becuse i will get the amount i want by staying on w/c oh also ssdi > involed in this due to people taaking a buy out then putting all > medical on ssdi instead on w/c so it a lenthy process we will see > w/c has already haas done there report they have not sent it yet to > my lawyer. mike group owner > > > > From: tompyro2000 <tomthepyroguy@ ...> > > Subject: Workers Comp buy out > > Stimulator@gro ups.com > > Date: Wednesday, July 30, 2008, 7:48 PM > > > > > > > > > > > > > > Hi Group, > > > > Has anyone had experience with the comp carrier offer a cash > settlement > > for you injury? In other words, getting your injury off the > books...My > > comp carrier has approached me saying they would intertain the idea > of > > a cash settlement. If this were to take place, would I then be > > responsible for any Dr bills on my back or would my health > insurance > > kick in? > > > > Thanks for the help > > > > Tom > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > Quote Link to comment Share on other sites More sharing options...
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