I have been where you are....I ended up losing, they gave me a settlement but like you said its barely enough. I'm not sure there is much I can offer in the way of advice, but you have my thoughts and prayers! I used every dime I got to pay Medical bills, lucky for me right after that I was approved for SSD, still had to wait 24 mos. for Medicare to kick in. I never lost hope and always believed we'd have enough, somehow we always made it!
Hi N&P, yep I too have been where your at and lost with W/C. I am begining to wonder if anyone ever wins with them.
I ended up taking a really low offer as well and after 2 years of fighting with them and getting deeper and deeper in debt I was backed into a corner more or less.
I also had a smart enough Lawyer that encouraged me early out to apply for SSD and I got that a few months after the settlement from W/C but they backed it up to my 2 year limit and I had medicare immediately. Still had a rough time of it as SSD wasnt enough to raise the 3 kids I still had at home but somehow we managed.
I might add that W/C held out on any offer until I had lost my house and everything I had except for all the medical bills that I could have built a new house out of!
Good Luck to and just keep fighting and praying.
PAlady dont mean to hijack the thread here but was wondering if your going it alone with SSD or do you have an Attorney? I have found that thru the begining it is not needed and you can save yourself alot of money if you dont hire one until the time they can do some good. There is also ways to expedite the processes of SSD at certain times and I will be glad to let you know what I found to be true about that later or in another post.
Just wanted to let you know and ask that question and sorry for the hijack!
W/C comp tried every dirty trick in the book to prevent me from getting anything and paying anything and it was a fight that definately didnt have a payoff and I have not seen too many make enough to make it worthwhile to them.
They even pulled a " Doing something outside of my job description" thing and that took me awhile to counteract. Long story with a bad ending altogether.
Good luck to both of you.
I am kinda glad there are other's out there that can offer advice and comfort. I do not like the fact that all of you have had so many problems and its not wright. I did receive an extention on my unemployment for 6 more weeks. Kinda a short repreive. But its still 6 more weeks I can pay my bills. But its still kind of nice to see how some of you have made it (sort of speak) They say there is a light at the end of the tunnel but nobody tells you the tunnel is so long. Please let me know how I can be of help to you all and please let me know how you are making out
Thanks everyone of you who replied, Its very important for me to talk to others who either have or are going through the same or worse than I am. All the information I can get will help me so much that a thank you dosn't seem to be enough. I have been sleeping so much since my doctor changed my meds. I am sorry I didn't reply sooner. But I am adjusting to my meds better now so I was able to return. by the way just a little information about myself I am 49 years old and seem to be in pain all the time and I can't adjust my mind well yet enough to handle my case by myself. Also this is the second time I have had to fight the same workmanscomp case with a reinjury I had the same law firm to represent me and we won the first time. The judge to them to settle before he has to rule on the case. I hope that means I will win again, I hope I hope.
Read your post and wanted to send out a reply to you. Jeez, I read about all these different people on the forum that either have workers comp claims pending or lost their claim and I am totally amazed. I do know every state has different laws concerning comp. I worked for plaintiff attys over 20 yrs, did nearly 18 yrs of comp and this is why I am blown away by what I read. Our laws in Tx changed 1-91 and they basically took away the claimants right to have an atty since they stopped paying lump sum settlements. This is how the attys got paid was out of the lump sum. Also, we no longer can have a jury trial on comp and to me thats an impingement on a persons constitutional rights, but thats another can of worms.
Ours laws were alot more fair under the old act believe me. People hired an atty to help them get what they were entitled to under law. Here the max weeks that can be collected is 401 weeks and for each week you are paid its deducted from the 401. Limits have been placed on accessing medical treatment it has to be from an approved list.I loved old law comp and seeing the people get what they were entitled too. I could probably count on one hand how many cases were lost at trial in 18 yrs. We were selective in what we took, culled them so to speak. Its a whole different ballgame out there now and I sure am glad I am not player in that game. I handled some new for nearly 3 yrs and I finally told the bosses, look we cannot make any money here and I am bogged down in so much darn paperwork its not balancing out. We finally stopped taking them, had to the numbers just did not add up. I helped alot of people on the phone calling in and needing help. With all of the changes the only people that benefitted was insurance companies. Employers were told it would help reduce the cost of their premiums and that did not happen either. What a crock.
I would be sure and ask my dr for any samples of medications that he has. Thats why the reps come around giving out the samples. Do not be a bit bashful asking for them either. Most of my drs offer up the samples regardless. In alot of instances you can get medication free or at a reduced price from the mfg, you have to qualify usually by your income. Look at the names of the mfg on your bottles that you have at home and look online to see if they offer an assistance program. Just about all of the companies offer assistance in some form, just have to ask for it. Medicine is too costly for most of us.
I have a question, why is your atty not on the phone hammering at the insurance company for not providing you with medical care and whatever else you need. I do not understand people that have attys and the atty sits on their cans doing nothing and meanwhile the person is not getting helped. Something is wrong with that picture. Did your claim actually get filed in district court or what? I would be on that lawyer to get things handled.
I hope something gives for you soon......Susie
My att is on the phone all the time but I am not his only client. The laws are different in Pennsylvania we can get a a lump sum or can receive continued payments for as long as my back continues to give me problems, We have had multi court dates 7 I think. The lastime the judge told the insurance company to settle. They offered $48,00.00 but if you figure out by my age which is 49 and all the medications I take we decided that $150,000.00 is the lowest we can settle for. Since I rejected their first offer they decided to play games. They and my atty have to have there last breifs in in the 1st week of june and he will decide by september. Which is a long way away. My atty fees are awarded by the judge if he so decides from the company who's the client to the insurance company. They almost always do this. My atty recieves no money out of a setelment.