Beware Social Media!

It should come as no surprise that a claimant has to be concerned about social media. An injured worker will usually have restrictions and limitations. The other side will often conduct an investigation. They may follow you and video your activities. It is most common to follow you when you shop or go meet your friends. Then their vocational expert or

medical doctor may testify against you. So clearly a claimant must be careful. It does not matter you were taking pain killers or that you did something one time. A video can be devastating to your claim. Yet there is another matter to consider. It seems like everyone is involved in social media. Facebook, twitter, dating sites, forums, photo sites and other sites are there for you to post about yourself. Insurance adjustors or attorneys are seeking out what they can to limit your claim. So what you post may come back to harm your claim. It may seem innocent enough but a post that you worked in your garden or changed a tire or even just went on a hike may be not good for your case. Any sort of sports activities posted by you may hurt your case. Even trips you take might be used against you. My best view of all this is to completely stop your posts and photos or at least limit them because whatever you post may be used against you. Be careful! By having a claim you are fair game for being followed, snooped on and watched in whatever you do.

The FCE in Workers Comp

An FCE is a functional capacity evaluation. Often in a workers compensation case a doctor wants an FCE. It may be through his office or set up at another location. A true FCE may take several hours of testing a person's physical functioning or at least whatever functioning is sought by the doctor. You can consider it almost a tool used by the doctor to define your work related restrictions. Years ago the doctor would simply rely on his own best judgement to set your restrictions but the desire for a more accurate evaluation led to what we now call an FCE. Often it is done through a physical therapist and results in several pages of data which the doctor may or may not accept. Usually the doctor will accept the FCE results but the doctor has the option to form his own opinion. He can therefore totally adopt the FCE or adopt portions of it or only what he believes is appropriate. A claimant may be asked to lift various weights and perform other activities. Sometimes your blood pressure is taken since many in pain from activities can have a spike in their blood pressure. Similarly if you complain about high pain from an FCE activity but without any blood pressure elevation they can question your situation or so goes the theory. My impression is that an FCE can be useful information for the doctor but it does depend on the therapist and the doctor. In other words it is not purely objective. Also I have noticed that those with severe disabilities can have problems with an FCE. My guess is that they are more guarded or do not handle the structure of an FCE. Stamina may be a factor and of any results considered invalid my experience is that those most disabled have the hardest time with the testing. Last in my locale many FCE's include a claimant's range of motion measurements. While separate from an FCE the doctor may want the therapist to do the measurements that help the doctor with his impairment rating.

Who Has A Gripe about Pinnacol Assurance?

A while ago Pinnacol Assurance was involved in a controversy about its extra revenues. The state of Colorado wanted some of that revenue to help with the budget shortfall. Pinnacol said it should be treated as a private entity so it opposed the effort. The state put off a confrontation but is now flexing its muscle to rein in Pinnacol. By the way Pinnacol is the largest insurer of workers compensation claims in Colorado. Its history is long but let me say it is neither fully private nor fully a public company. So now the legislators are hot on the tail of Pinnacol and Pinnacol is on the defense. A state audit is also underway. Clearly when Pinnacol seems to be thriving and the state is not then you can expect questions to be asked and more funds to go to the state and policyholders. Anyway now they are inviting those with cases or stories involving Pinnacol to come forth and tell a legislative committee all about Pinnacol. You can do this by email so for more on this click here. I am not sure that Pinnacol is the problem. What has happened in workers compensation is that benefits have been reduced and insurers have procedural and financial ways permitted by law to defend themselves and thereby increase profits. Example? If you hurt your arm but can still work in a low wage job you'll get at most a few thousand dollars for a permanent problem if the insurer has its way. So what if you lose your trade. Another example? When someone has a permanent problem with very real pain and medical needs many treating doctors designated by the employer will say you need 6 months or a year or two of medications. So permanent problem but temporary pain relief which allows them to limit future medical benefits. Another way is to close the case out as fast as you can so money is saved. All they are doing is using the law to their advantage. The old concept of liberally construing the law to favor claims was changed. It became a game where there is more to gain by contesting and limiting claims. Without a good lawyer the claimant often doesn't have a chance or may not even know he's getting less then what he might receive. But Senator Carroll is trying to get people to talk about Pinnacol and anyone can do so. Perhaps it will help change the workers comp system to level the playing field for all claimants.

Pain Control Policies

When you represent people with disabilities and work injuries you come across misunderstandings about the use of certain strong medications to treat pain. Surprisingly even some physicians do not seem to understand the policy of the Colorado Medical Board or avoid dealing with it if at all possible. On February 10, 2009 another policy was issued by two national medical groups. It also tells us that strong medication or controlled substances like opioids can be helpful for pain management. If people can be more functional and their pain is reduced isn't that good or are we so fearful of abuse that we choose to let them stay hurting? That said Colorado does allow for controlled substances like opioids to be used although other efforts should be made when possible. Here is a link to the Colorado guideline on chronic pain in workers compensation.