Should workers' comp pay for my future medical needs?
Insurance companies usually try to cut off all money and medical treatment when their doctor places you at maximum medical improvement (MMI). Acquiring the right kind of medical evidence can increase your chance of receiving extended medical treatment or having the cost of the future medical care added to your settlement.
What is a permanent partial impairment (PPI) rating and do I have to accept it for my settlement?
A PPI rating is the percentage of your body that has been permanently damaged. The insurance company gets to pick your doctors so it is common for them to give conservative (or “lower”) PPI ratings. It is very rare for us to recommend that a client settle for just the value of the initial PPI rating. We often challenge the rating in a variety of ways, and many times we seek to include other things (besides the PPI rating) into our settlement proposals.
Who is this nurse and why is she calling me and talking to my doctors?
The nurse case managers are hired by the insurance company. They are not actually providing any medical care to you. Their job is to save the insurance company money and they often try to influence the doctors on important issues like what medical care is needed and when you can return to work. There are a variety of legal strategies we can use to limit their involvement in your case.
Can I go to my own doctor?
The insurance company must pay for all of your medical care but they also get to pick the doctor. However, there are certain circumstances when this can be legally challenged, and in some cases, we can acquire a second opinion from an independent doctor (one not chosen by the insurance company) at no cost to you.