Disability Law

Case Study: Injured worker's employer illegally discourages him from pursuing workers' comp benefits

By Jodi Ginsberg

Throughout this summer, I plan on posting several Georgia workers' compensation case studies. These case studies involve actual cases I have managed in recent years, and they often touch on many issues people may face when going through the workers' compensation system in Georgia. All names of clients, employers and physicians will be changed so as to protect the privacy of my clients. Today, we will discuss the case of "Mr. B," an injured worker whose employer tried to pull an illegal move and direct him to pursue an insurance claim with his own insurer rather than pursue workers' comp benefits.

The Workers' Compensation case of "Mr. B"

Mr. B was injured on the job when he lifted roughly 100 pounds of rubber materials. He injured his back as a result of the accident, and he also reported pain radiating down into his legs. He was referred to Dr. G for immediate conservative care, and soon after initial treatment, the client was referred by Dr. G to Dr. C for lumbar spine surgery. The goal if surgery was to repair a herniated disc and relieve his continual radiating leg pain. Once Mr. B successfully completed the rehab phase of his treatment, he returned to his place of work roughly 3 months after the surgery was performed.

Unfortunately, Mr. B was only able to work for 2 weeks; his back and leg pain flared up again, preventing him from working. Dr. C placed him on "off-work" status, and the client stayed out of work accordingly. According to medical records, both doctors G and C agreed that his injuries were work related, and both persisted in obtaining authorization from Workers' Compensation.

However, a problem occurred in this case. The employer discouraged our client from pursuing workers' comp benefits based on his job accident. Rather, the employer insisted that the employee take the issue to his own insurance carrier and file it as an LTD (Long Term Disability)/STD (Short Term Disability). This is highly illegal, especially since there was clear evidence that our client had been injured on the job. Even early paperwork from the employer indicated that this was a job injury. Therefore, according to Georgia workers' comp law, out client was clearly entitled to workers' comp benefits.

When we stepped in, we helped our client realize that he indeed needed to pursue his workers' comp claim and then started looking at the specifics of his case so that we could prepare a settlement demand. We helped our client settle the case for a fair amount, and he now receives TTD benefits and will be aptly covered for any future medical costs.

The point here is that if your employer tries to discourage you from pursuing workers' comp benefits and instead suggests that you pursue your own insurance claim, then you should realize that this is illegal and that you should probably speak with an attorney who can help you better understand your claim. A workers' comp attorney's job is to make sure you get the benefits you deserve and need, as well as to make sure your employer doesn't pull any illegal moves.

Stay tuned for additional case studies!

Full post as published by Georgia Workers Compensation blog on July 20, 2010 (boomark / email).