Insurance investigators

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tom inpain
Regular Member


Date Joined Jul 2008
Total Posts : 239
   Posted 7/23/2008 6:52 PM (GMT -7)   
This subject just came up and after posting "fraud People" and getting really great feedback, this subject should do quite well.

All my Doctors since my auto accident rate me at 100% disabled. Yet my insurance company chose to humilate me with video taping my coming and goings, questioning my neighbors, going to my pharmacy and all the other surrounding pharmacies. While I realize why they do this-- the questioning of my neighbors made me feel like a criminal or someone trying to beat the system plus they went thru great pains and costs to "catch me" walking my Dogs
I cannot walk without great pain and discomfort plus a pronounced limp. I also wear a leg brace and according to my pain scale that given day i may have a cane, Double pedestal cane walkers, crutches, wheelchair. The insurance companies video was found out by my attorney who played it in Court the jury watched me stumble, fall and land on a tree stump then the jury watched me cry, I clearly had no idea anyone was watching me. My case was settled right after this show and i got the policy limits and refused to accept their "nice guy" attitude afterwards with offering me a lump sum then so much money per month.
Anyone with any type of insurance claim beware they are watching You-- Any feed back ?? experiences ??? advice????
Tom Lasko


~Cloe~
Regular Member


Date Joined Jul 2008
Total Posts : 125
   Posted 7/23/2008 7:39 PM (GMT -7)   
LOL, I took the lump sum. What was done to you was in violation of your rights to privacy. If I recall correctly.
Cloe

straydog
Forum Moderator


Date Joined Feb 2003
Total Posts : 13473
   Posted 7/23/2008 8:03 PM (GMT -7)   

Tom you hit it right on the head. In fact, on one thread I just cautioned Scared about riding on a 4 wheeler, because I think she has a W/C claim pending.

I worked 18 yrs at a law firm that did 98% worker's comp claims. What this is called is an activity check by the insurance companies. Its is perfectly legal and a there is not darn thing anyone can do about them. It is not an invasion of anyone's privacy either.

The purpose of these activity checks is the rotten insurance companies want to try and catch a person doing something they shouldn't be doing say as an example they had a back injury. They loved videoing clients bent over working on his car, it ruined his claim, it did not matter the man did not have money to take the car in for repairs. I saw a video of a client carrying her groceries in, a copy of the video went to her dr to review. The dr had to agree it looked like she was carrying the groceries effortlessly, her claim, down the tubes. I could go on & on but won't. It was sickening. Now granted the guy 3 month post op a double lumbar fusion had no business out roofing someone's house, his claim down the tubes. These activity checks can get your weekly benefits and healthcare suspended.  When a dr see's a person doing something phyical and yet that person claims to him it takes everything he/she can to move, he is really put in a rough spot and most always will side with the insurance company, because he does not want to be flagged by insurance companies.

The people that are hired by insurance companies are snakes, they are very sneaky. You will have no idea they are even around.  Susie



Scarred_for_life
Veteran Member


Date Joined Jul 2008
Total Posts : 1559
   Posted 7/24/2008 7:37 AM (GMT -7)   
Hi everyone! Great thread Tom, I'm sure it will do well. My W/C claim is medical only after they settled for one lump sum 6 years ago after the first two fusions. When I hurt my back in the second fusion I called my Claim gal and told her exactly how I hurt my back once more. Told her that I was replanting my strawberry bed to the front of the house and that at that time doc gave me little restrictions as far as what I could do. She did not say anything about me being outside digging up strawberries and replanting them in the front of the yard and I was told that I could make an appt with my neuro to see what was going on. After last nights posts about the four-wheeler I have since had hubby move the thing from the front yard to the back of the house so that I would not be tempted to ride it. I do not want to mess up my back anymore then it already is as I already have permanent nerve damage to the lower back from other things (working at walmart in 2003).

But.....the same could be said about cleaning your house.....they could see you through a window sweeping the floor or doing the dishes and think gee that person isn't in that much pain if they can do those things as well. As far as taking groceries in the house, hubby does that along with the yard work and other things that I have decided that I cannot do. Last Sunday I marked a post where I told you all that I have a hot tub. I do not clean only done so once and that was so horrible on my back that I told hubby the hot tub needs cleaned it is his job to do it. I refuse to take the chance of hurting my back any further on such projects and know that W/C is always watching what I do.

But I do have one thing to say regarding my claims rep that is on my case. She is been quite vocal as of late in me "getting back to some normalcy of my life." even though my normal is not what she would determine normal. I hear this all the time from doc, Psychologists and W/C that I am to take my life back. This frustrates me as there normal.....is not mine and I cannot understand what is normal for a CP/FBS patient that is in constant pain and cannot hardly walk down the three steps of my porch let alone ride my four-wheeler.

The four-wheeler has been since placed in an area of the backyard where I cannot see it and will not ride it at all. Hubby has the keys at work for both his and mine and I could not ride it even if I tried because it hurts to even sit on the seat. When we first got them hubby had me sit on the seat so that he could adjust a new windshield for it and that even killed me to sit there.

Even our pickup kills me to try and get into or even ride in so when we go out to target shoot or just ride around I am usually back at home within 2 hours and cannot move for the remainder of the day. So you see my friends in pain, I too wish that I could ride the four-wheeler but I have not and I will not as long as the pain is so bad that I spend most of it in bed wading through the painful days that are my life.

Don't worry all....I am being very careful I promise :-)
HEALTH ISSUES: Herniated discs at S-1-L5, L5-L4, L4-L3. Two level fusion (2000); one level fusion (2002); Revision at L4-L3 (2003). Diagnosed with Failed Back Syndrome, Permanent Nerve damage and Chronic Pain

Medications:

Kadian, Lexipro, Percocet, Temazapim, Lunista, and Robaxin.


tom inpain
Regular Member


Date Joined Jul 2008
Total Posts : 239
   Posted 7/24/2008 9:03 AM (GMT -7)   
Hello My Scary friend: I went thru that stuff about being or going back to normal. I asked them to complie a list of things i could do while under the influence of pain and narcotics also gave them my pain journal which from anger was torn up. Never was asked about being normal again !
Unless we here in the Pain forum had some birth defect or internal injury I believe most of us were injured be it at work, auto accident,
fall down etc. I when we were joking around it appeared to me that I should share my bad experiences with being investigated with all of You. These so called investigators are real snakes and in this modern tech world can see and hear everything we are doing. Right now i am exhausted as my Grand children were here for a couple of days and well----------------- I need to close my eyes but somehow keep my body moving so i do not stiffen up ? is this possible? I believe there are several ways to protect yourself from investigators and will address them later as soon as i can think again.
take care my Scarred Friend, my heart and mind go out to You knowing how you are suffering mentally and physically for we both are in the same boat. Your worn out, no good, rotten, pain-filled friend from N.j. tom
Tom Lasko


straydog
Forum Moderator


Date Joined Feb 2003
Total Posts : 13473
   Posted 7/24/2008 9:59 AM (GMT -7)   
Scared just wanted to give you heads up honey on your 4 wheeling. I would imagine comp would love to stop your medical benefits because you do cost them money and the name of the insurance companies game is save all the money they can, and yes your health benefits can get suspended, that why I wanted to give you heads up while outside. Worker's comp and personal injury insurance carriers are the worst of the lot and they are snakes. I must say, I miss working, but I do not miss the stress of dealing with ins companys 5 days a week. They think everyone is a fraud or "you shouldn't be hurting like that for this long". I am a 20yr plus chronic pain patient. I went to an informal mediation with my boss one time, our client had chronic pain, the adjuster grew up on a farm in Iowa with 5 older brothers. They worked the farm right along side of the parents. She could not wrap her brain around chronic pain period, because she a healthy strapping gal. She had decided our client was a whiner and was malingering and basically was going to offer very little on the claim. We were already in a lawsuit and our juries here are not sympathetic one bit. Its been drilled in their heads that claimants and lawyers has what has caused their insurance rates to sky rocket, which is a crock and untrue. My boss looked at me and said would you like to give Ms so & so some tips on chronic pain, I said you bet ya I would. By the time I got done with her, she had a crash course in chronic pain and had a little better understanding.
 
One week later the adjuster called and had a nice settlement offer in line for our client. The week before she was going to pay nuisance value.
 
My disability is due to my crohns disease not chronic pain. I feel if I had pursued SSD under chronic pain I would still be fighting them. I was extrmely shocked when approved for CD even tho I have bowel control problems, I really felt I was in for a fight. My chronic pain comes from years of small incidents, I did have 2 auto accidents but thats not what started my CP. Mine is just a combo of things over & over. Which in some way can hurt you even more convincing a dr that you hurt. They like to hear that you had some big sort of trauma to cause the pain. However, I have been very fortunate with all my drs, they knew me before I got sick, they have been thru all the ups & down of CP with me.
 
Tom my friend, you are worth a great deal more than you realize. The short time you have been with this forum you have given such support and information, please do not belittle yourself, you are very valuable to say the least. I wish I could wave some magic wand and at least give everyone a lighter pain day that is more tolerable. I do hope Tom that your dr gets serious about a trial on the pain pump, its been a true life saver for me. I realize that we are all different, but its just something I feel that may well benefit you and can get your pain under better control, so that you can function at a better level. Even with the pump we are not pain free, we are given BT meds, but the constant drip of medication 24/7 works so much better than oral meds ever could. There are no highs and no lows with the pump. The biggest hoop to jump with a pump is getting the right medication and doseage, once that is done then your functioning level increases. WHen I finally got my doseage correct and started to feel somewhat better, I was afraid to tell anyone including my dr. I was afraid I would wake up and it would have been a dream. Now thats how scared I was and pathetic,lol. I can laugh about it now but I didn't back then. Back before the pump laughter was not in my deck of cards. I fell into a black hole.
 
Hope all are well today as can be. Hugs to all, Susie    


FitzyK23
Veteran Member


Date Joined May 2005
Total Posts : 4219
   Posted 7/24/2008 10:03 AM (GMT -7)   
I have a different perspective on this. Mind you, I am not always a fan of insurance companies to say the least. But, I have family and friends that work in insurance as well as in investigation. There is a reason they do this, and its not to screw people that legitimately need their benefits. It is to catch the people that are trying to fraud the system. There are ways you can protect yourself from being mistaken as a fraud. Your application will ask what you can do and what you can do on your good days. Be VERY honest there. You can say, I spend 90% of my life in pain but on the 10% day that I feel ok, I like to go hiking. Or you can say, while I can no longer work in construction 40 hours/week, I can work on my house about 8 hours per week. I will be sore after but I will not re-injure myself. When you are "caught" doing something you said you couldn't do, you and your doctor have an opportunity to rebutt. Typically they have to "catch" someone repeatedly, not just one time. If you were caught one time and also realized that activity was beyond your limits, you just say so. What these "snakes" have caught would really surprise you. People just living totally double lives. Without these people getting caught, there wouldn't be enough money left to pay people like you, or the premiums would be so high your employer wouldn't buy it. If you start to get better and can increase your activities, great! But your disability claims specialist should know this and update your file. Maybe you will learn there are careers available in your area that wouldn't aggravate your condition. Or maybe you could just breath a sigh of relief knowing that they know what you can and can't do and you won't have to look over your shoulder anymore.
26 Year old married female law student (last year!!). Diagnosed w/ CD 4 years ago, IBS for over 10 years before that, which was probably the CD. I am sort of lactose intollerant too but can handle anything cultured and do well w/ lactose pills and lactaid. For crohns I am currently on Pentasa 4 pills/4x day and hysociamine prn. I also have bad acid reflux and have been on PPI's since age 13. I have been through prilosec, prevacid, and nexium. Currently I am on Protonix in the morning and Zantac at night. I also take a birth control pill to allow some fun in my life.


Scarred_for_life
Veteran Member


Date Joined Jul 2008
Total Posts : 1559
   Posted 7/24/2008 10:55 AM (GMT -7)   
Thanks Stray for making me feel better. I thought I had upset you with my harsh words but I am glad to see that you recognize when I am having one of "Those" days LOL. I agree with all that you have said and actually I called my W/C case worker today to see where my case is standing as of now and she said "open as usual, the bills are getting paid so don't worry about things on this end." I told her about the upcoming Mylogram and she said that she had gotten a pre-auth on it but that it did not need to be authorized as she felt that doc had a reason for wanting this test. Found out too that I have been diagnosed with "Polyarticular degenerative joint disease which is probably why I get the back pain along with the leg pain and everything else. Unfortunately WC feels that this is not a problem that a pain pump or Stimulator should be used in, so we shall see what the Mylo holds in its view.

Fitz: there are many that I have seen that try to "Milk the system" and I cannot blame then for being cautious regarding claims. I also have an open claim for Disability in which my attorney and I just went before the JA to have him hear my case. My attorney told me that my health records support that I have a legitimate claim to benefits but that my age is where its going to get tough. So that too is hard to handle as well.
HEALTH ISSUES: Herniated discs at S-1-L5, L5-L4, L4-L3. Two level fusion (2000); one level fusion (2002); Revision at L4-L3 (2003). Diagnosed with Failed Back Syndrome, Permanent Nerve damage and Chronic Pain

Medications:

Kadian, Lexipro, Percocet, Temazapim, Lunista, and Robaxin.


straydog
Forum Moderator


Date Joined Feb 2003
Total Posts : 13473
   Posted 7/24/2008 12:29 PM (GMT -7)   

Fitz sorry if I offended you, that was not the point, however, I spoke the truth from the plaintiff's side and I guess you are more defendant oriented considering your family history.

 Yes, there are many people that have and will continue to try and  get one over. However, all of the states have overhauled their WC systems many years ago and that weeded out alot of the bullcrap claimants. In the state of Texas as in alot of the states, an injured worker receives weekly benefits for 52 weeks, then if they have a disability rating they are paid a lower % for x amt of weeks on the rating. If they get a 15% or higher rating, and the insurance company agrees with this rating,  the max they can receive is 401 wks of benefits and thats it. Those cases are few & far in between. They get lifetime medical treatment pertaining to the injury as long as it is "reasonable & necessary relating to the injury". Any injured worker will get lifetime care, here in Tx, but say you have been released by the dr and are back at work. You get up one morning and all of a sudden the back or neck pain or whatever has returned, you call your doc right. Well, they say well you need to contact your adjuster to see if they will pay for us to see you. Call the adjuster, no longer there, get a new one who knows zilch about who you are. So you have to wait until this adjuster finds a file on you, then she is going to go to a supervisor and talk about things. Then you finally get a call from the ajuster and she starts asking questions and you tell her again you woke like this and no you have not been in a car accident, no you have not been reinjured again, she still is not satisfied, so will have to get back with you. By then the poor person is mad, in pain, getting no help, getting the run around, so what do they do, end up in an ER and that costs even more money. Our number of WC and Malpractice claims has dropped in our state, but guess what the premiums have sky rocketed and it back fired. They assured employers and drs that their premiums would go down when the laws were revamped in 1991, now they pay the drs even less money and they pay higher premiums. Someone dropped the ball there.

By the way peeps, insurance companies do check backs on all claimants. Its done by your SS number and it will tell them if you have ever filed a claim with an insurance company. It can be a property damage only claim, or even a no lost time claim and it all shows up. If they want to target someone, do it to those that numerous claims. The atty general general here in Tx investigates those people who file 5 claims in 10 yrs. I have yet to ever see any of them prosecuted for fraud. 

I will stick by original statement of being videoed, that dr see's the video of his patient, no matter how harmless the patient thought he or she was being/ he is not going to cut off the arm that is feeding him no matter what. Drs are very careful not to get flagged by insurance companies. Ins companies here are not interested in asking the claimant about the video, they talk to your dr only.

Just about all states offer rehab retraining for injured workers that meet the criteria. Not only that but SS also has a person called a VOE, the judge will ask this person after hearing testimony if the claimant can be retrained.

If I could work 8 hrs a day in my house, I could hold down a job. I think pretty much all of us here agree with that one. But again, my disability was based on fecal incont, not a back or neck injury. Yes, I am on SSD but I have worked since I was 12 yrs old and I have paid my taxes as a working individual, only thing different is I had to collect my money early instead of at normal retirement age, so I do not feel I am getting something for free, or at others expense.

Scared you have terrible health problems hun, don't want something misconstrued as to what you should or should be not doing by some snake. Hugs to all, Susie

 

 



Scarred_for_life
Veteran Member


Date Joined Jul 2008
Total Posts : 1559
   Posted 7/24/2008 12:51 PM (GMT -7)   
hugsss Susie I know you are just looking out for me sweetie and I appreciate that soo much. I know that I will end up in a wheelchair in 20 years that is no doubt in my mind and I wish that things were different, but they aren't so I am just trying to deal with it all.
HEALTH ISSUES: Herniated discs at S-1-L5, L5-L4, L4-L3. Two level fusion (2000); one level fusion (2002); Revision at L4-L3 (2003). Diagnosed with Failed Back Syndrome, Permanent Nerve damage and Chronic Pain

Medications:

Kadian, Lexipro, Percocet, Temazapim, Lunista, and Robaxin.


FitzyK23
Veteran Member


Date Joined May 2005
Total Posts : 4219
   Posted 7/24/2008 3:47 PM (GMT -7)   
Hey Susie,

I wasn't offended. Actually I am very plaintiff oriented regarding employee benefits and health insurance. I was referring more to long term disability insurance through an employer than I was workers comp. But it is very rare for me to take the side of the big corp. I just wanted to provide the other view of why they do some of the things that they do.

You raised an important point in your workers comp example. I had a hairline fracture and seperated a/c joint in my shoulder at my last job. My claim has been closed for years. It was just to cover the medical treatment. I was put on light duty and missed very little work. However, lately it was getting really sore again. I had wondered if I just went to my primary about it if the insurance company would refuse to pay and make me re-open my claim. That would suck.
26 Year old married female law student (last year!!). Diagnosed w/ CD 4 years ago, IBS for over 10 years before that, which was probably the CD. I am sort of lactose intollerant too but can handle anything cultured and do well w/ lactose pills and lactaid. For crohns I am currently on Pentasa 4 pills/4x day and hysociamine prn. I also have bad acid reflux and have been on PPI's since age 13. I have been through prilosec, prevacid, and nexium. Currently I am on Protonix in the morning and Zantac at night. I also take a birth control pill to allow some fun in my life.


tom inpain
Regular Member


Date Joined Jul 2008
Total Posts : 239
   Posted 7/25/2008 2:56 PM (GMT -7)   
Hey Law student: We all looking for a champion to enforce our rights for treatment. Any interest in practicing in N.J. ?? Thanks for all the usefull information
Tom Lasko


Morgoth
Regular Member


Date Joined May 2008
Total Posts : 177
   Posted 7/25/2008 4:33 PM (GMT -7)   
I wasn't even aware such practices existed in the States. It is degrading to the human dignity; you just don't do things like that. I realize insurance companies have to through out the rotten apples, more so in the States than in EUrope where most of us enjoy Universal Health Care. But this is more an ethical question than a legal one I think. We all basically feel what is right and what is wrong, and this is clearly way beyond the line.

In Belgium, when a private insurance company is involved, they present their case, together with a doctor of the patients choice, before a doctor appointed by Court (even if there is no lawsuit in the strict sense of the word). This Court-appointed doctor is often a military doctor, former military doctor or a former law enforcement officer who also happens to be a doctor thus ensuring that a fair decision is reached.

Tricks like Tom descibed lead to a prosecusion of the company by the State, and the patient finds the full weight of the police systemand the state behind him. That's when insurance companies capitulate.
To stand and be still at the Birkenhead Drill is a mighty bullet to shew.


ladyred
Regular Member


Date Joined Jul 2008
Total Posts : 191
   Posted 7/25/2008 5:03 PM (GMT -7)   

Omg...sorry m new to this site and was just reading though the treads and cant believe what im reading....

I was in a car accident 3 weeks ago i was hit from behind while at a stop the girl was 18 and on her cell and didnt even see my stop for the person in front of me...she was goin 45 mhp when she hit me...i have a buldging dics in my cervical neck and am having sever lower back pain to the point i cant even hardly walk sit or lay down...and the pain is just gettin worse...

I have retained a lawyer....I cant believe that insurance companies go such lenghs...i can understand that there is a % or false claims...but sence my accident i have had to cope with the debilatating body that hurts all the time...being on so much pain meds that dont really work and just dealing with the emotional side of having all the control you thought you had over your life taken away...to the point that you have to rely on the mercy of others for help just to get by and servive...and now you also have to worry bout being taped and investagated god what has this world come to...i

im a single mom with 3 kids...i have to get up and cook no matter what pain im in i have to go food shopping no matter what pain im in i have to clean up and do laundy no matter what my body and mind might say to me and just the thought that someone could be watching me to SEE if im really as hurt as i say i am is just unbelievable! and to say that if i can do what i HAVE to that i might be denied man that makes me mad....

Im sorry this whole thing has been a hard thing for me to deal with as i dont have any family to help out with...and im just now getting the truth of how hard and long and drawn out this is gonna be im a bit discouraged right now and frustrated!!!...i wish all of you well and luck with all that you are all dealing with...it really does give you a new outlook on life and just how everything can change in a blink of an eye...


Scarred_for_life
Veteran Member


Date Joined Jul 2008
Total Posts : 1559
   Posted 7/25/2008 5:17 PM (GMT -7)   
Welcome to the HW forum ladyred, it is sad to see that you too have to join us fellow CP'ers that are in constant agony from our pain and I hope that you find relief in some of the topics that are here on this forum. I know how hard it is to have to deal with the day to day things in life and watch your back as well while you are doing these things. It bites because no matter what we do someone is watching us, whether it be our family, neighbors or a perfect stranger, and thinking "Gee that person says that they are in pain, but yet they can do dishes, laundry, drive and other things. I think that they are lying about their condition."

Life as it stands really is hard to deal with and when your in pain it makes it 10 worse. Its not fair and we shouldn't have to make our case for whatever reason that the ins. and others are thinking of us. about two hours ago, hubby decided to take me to the fair to get some funnel cake. I spent an hour limping around in pain. When I looked at hubby he smiled and said "Enough?" I shook my head yes and he took me to the car. Man talk about frustrating, I used to love going to the fair, but now its a worthless case in futility and I just don't like it anymore.

BTW; I got my funnel cake and man was it good! But I am paying for it now
HEALTH ISSUES: Herniated discs at S-1-L5, L5-L4, L4-L3. Two level fusion (2000); one level fusion (2002); Revision at L4-L3 (2003). Diagnosed with Failed Back Syndrome, Permanent Nerve damage and Chronic Pain

Medications:

Kadian, Lexipro, Percocet, Temazapim, Lunista, and Robaxin.


tom inpain
Regular Member


Date Joined Jul 2008
Total Posts : 239
   Posted 7/25/2008 8:48 PM (GMT -7)   
Hi LadyRed: Please accept this post as my officilal welcome if I already have not introduced myself. I read Your post and Yes the insurance company will go thru all kinds of stuff not to pay on your claim whether it be for medical and or pain and suffering. Please discuss this with Your attorney many policies have what is called in N.j. Essential Services this is a money benefit to help pay someone to help you do the things you cannot do. the amount is based on what type of coverage You selected. The insurance Company will never tell you all your options such as having a prearranged prescription plan that bills the insurance company directly so You do not have out of pocket costs and have to wait to be reimbursed Your attorney should go over Your policy and advise You of what coverage is available. Sending Investigators out is common practice so beware. Carry in shopping bags, carry Your children etc. Speak to You attorney and Doctors and advise them of Your problems with lifting etc. As long as You advise EVERYONE that You have to live and hurt Your self in order to survive I am told is the right thing to do. Place the burden of helping You on others ( insurance Company ) and if they deny help or only pay a
small portion to help you the work around the house cannot be held against you since you advised everyone upfront of Your lifting and pain problems. Again any really good lawyer will advise you what to do.
You stated You are all alone ! ! not anymore !!! You have all of Us. I can be a formable adversary when provoked and hate to see my friends in pain hurting and suffering by some underpaid, uneducated insurance adjustor with no human compassion destroying really good people's lives.
Please accept another suggestion always remember Your Lawyer works for You ! He or She is Your paid employee if Your attorney advises you of something make sure just like doctors that You do Your homework and make sure you got the right advise. God Bless and again welcome.
Your pain friend tom
Tom Lasko


straydog
Forum Moderator


Date Joined Feb 2003
Total Posts : 13473
   Posted 7/25/2008 10:42 PM (GMT -7)   

Hi LadyRed, I too want to welcome you to HW. Welcome to our exclusive club of chronic pain, sorry you have to be here, but you have landed in the right place. You will find this forum to be an excellent place to come to and ask questions, if we can answer them correctly we will, if not,  we are honest and will tell you we don't know, very good place to vent, talk about whats bothering you, let your hair down, no one understands CP like us. No one can understand CP unless they are an actual CP patient. We do have some peeople on here that will research stuff and get back with you, and soon you will hopefully feel like we are an extended family. Alot of us have already been there and done that, and there are many like you that are in the beginning phases.

Try not to dwell on your accident too much, it will only get you down. Save that energy for the things you must absolutely do. I know, you will think easier said than done. You have hired an atty so let that person worry about the legal ends & outs of your claim. Just remember, if your atty advises you not to talk to the insurance company if they should call you. Don't talk to them except to tell whoever, I have an atty this is their name & number call them and hang up the phone. You may have a zillion questions, but again let the atty wade thru all of that. Sometimes they will call not knowing an atty has been hired. Alot depends on how quick his office is to get a letter of rep faxed to the ins. company.

Please get a notebook, now while things are fresh in your mind write down the facts about the accident. Write down where you had been and where you were going. Note the day of the week it happened & date along with the time of day. You would be amazed at the people who actually forget the above things.

Keep in this book as well, the days you go to the dr, what was done, whether he gave meds & that sort of thing. If you were taken to ER for the accident write down what was done there as well. Keep track of your mileage to the appts and save receipts on that too. If you are employed and have to lose time from work to attend dr appts, PT appts, write it down in this notebook, date, time of appt & who you saw. At some point your employer will have to fill out a wage loss statement to document you work and make x amt of money an hour and work x amt  hrs a week. On this statement it can be documented the dates you missed time. If you have been unable to work since the accident, this statement will be needed.

Always keep either a legible copy of any  medical, hospital, or prescription receipts for your own file. Make your own folder for this. You too can keep track of what your medical expenses are costing because of the accident.

None of us here can tell you the laws of your state regarding personal injury claims, because each state has different laws & rules they go by. The only way any of us would know is if we lived in your state and know the current laws.

Tom gave you some very good info on things to check into and to discuss with your atty. I have given you a couple of tips because I have worked in the Personal Injury, Medical Malpractice, and Workers Comp field for over 20 yrs. I just gave you some basic info for you. One more thing, if your atty is in a good size firm, always keep track of who you talked to and what they told you.

Hope you start having some lighter pain days soon. Susie

When talking to your atty or his paralegal, its best to write down your questions before hand, that way you don't forget something. Depending on your attys



tom inpain
Regular Member


Date Joined Jul 2008
Total Posts : 239
   Posted 7/26/2008 8:04 AM (GMT -7)   
StrayDog: Great advice, thanks for filing in what I left out. ( Memory is poor ) plus i get soooooooooooo mad at the insurance companies ruining lives yet all i see are commercials on how great their services are. Buyer beware/ Thanks, tom

Tom Lasko


ladyred
Regular Member


Date Joined Jul 2008
Total Posts : 191
   Posted 7/26/2008 5:35 PM (GMT -7)   
Thank you all for all the advice and the welcome...
 
It has been a relief to know that there is somewhere to go with all these questions....i think the worst is not having an idea at this point of what i am dealing with as far as the pain goes...all i know is that im in pain and the docs have been giving me the run round...dealing with my family that i feel like there looking at me like im either faking or exagratting...they cant understand why im not up and bout when the mri doesnt show anything on my lower back...but here i am not being able to sit on my arse for more than bout 20 mins without being in extreme pain...which then kicks in the mussle spasms and then im back on the couch and pain killers for hours or days just for sitting on my but then theres the neck and no comfy spot to just relieve any of the pain...
 
sorry for venting just very frustrated with all this...i have been outa work for goin on 3 weeks now have my lawyer telling me that there is nothing they can do intil my case is settled and they dont know when that will be as i dont know what is the matter with me and how long the recovery will be...
 
 
I do have a question though bout the insurance...im an independant contracter and account manager for a circlation company for the local news paper here in charleston sc ...i didnt have health insurance when i had the accident but she had insurance on her car...i was able to get the state insurance for emergancy as i have been unable to work....which i am so greatful for as i dont have much money for any out or pocket expenses...
 
my question to you all is what am i intittled to from her insurance as far as help with any of this intil my case is settled...as of right now im pretty much bed ridden and cant get up to much of anything.....and when i do i pay the price for it....and am out that night and into the next day just in agony...i have a docs not to be off work till next week but im still not able to sit for any period of time with out having terrible pain in my back and neck...
 
my bills are piling up and i dont know what to do bout getting them paid...im engaged but my fiance is in scotland and we are waiting on immagration visa to get married but he cant come over till we are aproved....
 
my ex came and picked up the kids the other day and will have them for another 2 weeks and then they are back for school....as of right now i can barely take care of myself let alone anyone else...
 
im very worried about how i am gonna take care of them when they come home pay my bills and so far i havent gotten much answers from my lawyer he just telling me that he doesnt know and if i can go to work then go but i cant even get up grrrrrrrrrrr its like a circle thats just getting smaller and smaller and i dont know what to do to help myslef to get out of this and provide for my family....
 
any help would be great if any one has been there and has any advise on how to proceed with this...i know i need to get some control back in my life just dont know where to start
 
 

ladyred
Regular Member


Date Joined Jul 2008
Total Posts : 191
   Posted 7/26/2008 5:36 PM (GMT -7)   
Thank you all for all the advice and the welcome...
 
and all the great tips and advice....im posting a question on a new topic bout insurance and lawyers so any with any advice i would be totaly greatful....thanks so much
 
ladyred

ladyred
Regular Member


Date Joined Jul 2008
Total Posts : 191
   Posted 7/26/2008 5:48 PM (GMT -7)   
i double posted the question sorry folks the question is under insurance question...pain meds are muking up my head thanks all
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