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Quick question about Lumbar injury, rating, and state disability
#11
Unknown, every Insurance carrier has it's own set of rules they play by. If I were to guess, I'd say they will spend the least amount possible, or start from day of approval.

Also, your friend is currently working, so unless they make less that in the other job, there may be no, or very little TTD
As far as a rating, that is done By testing by both your attorney's doctor and the IC's doctor. You then will be given a rating, and your state will have a guideline of values.

1171 can help you with that link.
Speaking of 1171, he wasn't being smart with you, just frustrated in being unable to help you

As a last thought, there is no settlement in WC, so put that out of your mind, your goal should be to be recovered as best as you can back to normal

There is a award so to speak if you are disabled, and unable to work, but lets hope you don't have to go there.
 
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#12
(10-27-2013, 06:53 PM)dusty boy Wrote: Unknown, every Insurance carrier has it's own set of rules they play by. If I were to guess, I'd say they will spend the least amount possible, or start from day of approval.

Also, your friend is currently working, so unless they make less that in the other job, there may be no, or very little TTD
As far as a rating, that is done By testing by both your attorney's doctor and the IC's doctor. You then will be given a rating, and your state will have a guideline of values.

1171 can help you with that link.
Speaking of 1171, he wasn't being smart with you, just frustrated in being unable to help you

As a last thought, there is no settlement in WC, so put that out of your mind, your goal should be to be recovered as best as you can back to normal

There is a award so to speak if you are disabled, and unable to work, but lets hope you don't have to go there.

It is out of my mind. I went through my own thing with myself. Finally settled and was very happy with the result, thank god. This is for my friend. I told him the same thing but I was still just trying to give him an idea because he is making less and struggling a little. I am already aware of the award amount from a rating and completely familiar woth the chart of new Jersey. I have one myself to look at for eacg year. I was just wondering on the rating number itself and what you typically see for that type of injury. I know lawyers go odf history and just thought you woukd have an idea also from personal experience, others cases on here, or other. Thanks for your time and I appreciate you trying to help. Maybe someone else has had some experience dwith lower lumbar injuries and ratings. Thanks again
 
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#13
I can help out on this, for my lumbar I was awarded 3%. Now there is other factors involved like if your friend cant do the same kind of work and it impacts his future earning capacity. I opted out of my fussion (as I told you in a different thread), if I had the fusion the % would have been higher, and if it failed it would be a bit more higher. I believe a fusion is about 10% per level .
.
 
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#14
(10-27-2013, 07:38 PM)bronco54501 Wrote: I can help out on this, for my lumbar I was awarded 3%. Now there is other factors involved like if your friend cant do the same kind of work and it impacts his future earning capacity. I opted out of my fussion (as I told you in a different thread), if I had the fusion the % would have been higher, and if it failed it would be a bit more higher. I believe a fusion is about 10% per level .

Thank you so much. So far he had to change jobs because his doctor deemed he couldn't do it anymore but he was never declared that by a WC doctor. He goes to see him this week. I'm assuming he's going to have restrictions. He did get another job already and will keep this one, not physical work, but he will found to not be able to do his old job anymore most likely. Does that count, or if you switched jobs because you felt you couldn't do it anymore because your doctor felt that way not count? He does make more money now. Surgery is not going to happen, doctor hasn't recommended it and there is no way he's getting it either way. SO TO RECAP.

Basically his doctor felt he couldn't do it, my friend had to quit because they had no light duty.

Hes not going to be deemed he can't do his current job, but most likely old job which is over anyway. He moved on.

Makes less with new job

Surgery is out of the question.

Just got done rehab, didn't help.

Bulging discs lower back, one in neck.

So with all that you're thinking what? Probably 3-10 percent max correct?


 
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#15
(10-27-2013, 01:19 PM)Frayed Wrote: Hows it going guys. I'm new here. Just posted about my settled case yesterday however I have a question for a friend. He had a lower back injury at work. He switched jobs awhile back, about 8 months because he couldn't do it anymore. It wasn't restrictions from a workmans comp doctor because they wouldn't aporove him. It was his own doctor while using his work health insurance that he had. Because of that he was on state disability for 6 months. Workers comp finnaly approved him last month and now is at physical therapy. He has a new job now too and yes he has a lawyer.

Here are the questions, mind yiu this was in new Jersey and still is.
Does he gave to pay that state disability back out of any settlement he would get?
And if so does he pay every penny bsck or a percentage?

What are the typical impairment ratings for a few bulging discs in the lower back and one in the neck? Also has degeneration. I know there is no average but what in your guys experience is the rating for Lumbar with just bulging and degeneration if he doesn't get any better. I heard Lumbar is usually a low number . Any average numbers or experience would be really appreciated. He doesn't need surgery.

Thanks so much for yiur time. I'm trying to help a good friend get through this as workers comp really put him through the ringer in the beginning.
I had something similar. I was on restriction by worker comp. I was sent to a specialist that said that I needed surgery. Of course worker comp sent me to get a 2nd opinion. The second doctor ruled against the surgery but never gave me a note to go back to work full duty. I asked my personal doctor and he agreed with the 1st doctor that I may need surgery or look for a different job field. His only worry was that they wanted to do a spinal fusion and he told me that, that can be risky.

I then got a 3rd opinion from another spine specialist and he again agreed with the 1st doctor and my personal doctor. He however suggested a laser surgery.

I had the laser surgery and because the WC refuse to pay because of their 2nd opinion I had to go on state disability. I was told that if I ever get a settlement that I would have to pay everything back.

While we went to trial and I did receive a settlement. I was told by my lawyer that I will have to repay disability. However my lawyer had but in our settlement that the WC repay the disability and any out of pocket cost I had from my surgery. Of course the WC fought it but the judge had agreed with my lawyer and they was order to repay the state for me along with any out of pocket cost. My lawyer also got them to let me reopen my case again within 2 years. (this was my 1st re opener)


 
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#16
(10-27-2013, 09:19 PM)darrinb Wrote:
(10-27-2013, 01:19 PM)Frayed Wrote: Hows it going guys. I'm new here. Just posted about my settled case yesterday however I have a question for a friend. He had a lower back injury at work. He switched jobs awhile back, about 8 months because he couldn't do it anymore. It wasn't restrictions from a workmans comp doctor because they wouldn't aporove him. It was his own doctor while using his work health insurance that he had. Because of that he was on state disability for 6 months. Workers comp finnaly approved him last month and now is at physical therapy. He has a new job now too and yes he has a lawyer.

Here are the questions, mind yiu this was in new Jersey and still is.
Does he gave to pay that state disability back out of any settlement he would get?
And if so does he pay every penny bsck or a percentage?

What are the typical impairment ratings for a few bulging discs in the lower back and one in the neck? Also has degeneration. I know there is no average but what in your guys experience is the rating for Lumbar with just bulging and degeneration if he doesn't get any better. I heard Lumbar is usually a low number . Any average numbers or experience would be really appreciated. He doesn't need surgery.

Thanks so much for yiur time. I'm trying to help a good friend get through this as workers comp really put him through the ringer in the beginning.
I had something similar. I was on restriction by worker comp. I was sent to a specialist that said that I needed surgery. Of course worker comp sent me to get a 2nd opinion. The second doctor ruled against the surgery but never gave me a note to go back to work full duty. I asked my personal doctor and he agreed with the 1st doctor that I may need surgery or look for a different job field. His only worry was that they wanted to do a spinal fusion and he told me that, that can be risky.

I then got a 3rd opinion from another spine specialist and he again agreed with the 1st doctor and my personal doctor. He however suggested a laser surgery.

I had the laser surgery and because the WC refuse to pay because of their 2nd opinion I had to go on state disability. I was told that if I ever get a settlement that I would have to pay everything back.

While we went to trial and I did receive a settlement. I was told by my lawyer that I will have to repay disability. However my lawyer had but in our settlement that the WC repay the disability and any out of pocket cost I had from my surgery. Of course the WC fought it but the judge had agreed with my lawyer and they was order to repay the state for me along with any out of pocket cost. My lawyer also got them to let me reopen my case again within 2 years. (this was my 1st re opener)

Thanks for the help. Appreciate it. Do you mind if I ask what percentage you got.
 
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#17
[/quote]

Thanks for the help. Appreciate it. Do you mind if I ask what percentage you got.

[/quote]

Do you mean impairment rating? If so I forgot, but I believe it's around 50% or so maybe more. I know I should keep up with this but I was goin thru a lot fighting with the WC people. I ca find out from my lawyer.

If you are talking about how much was paid for state disability, all of it was paid by WC.
 
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#18

Thanks for the help. Appreciate it. Do you mind if I ask what percentage you got.

[/quote]

Do you mean impairment rating? If so I forgot, but I believe it's around 50% or so maybe more. I know I should keep up with this but I was goin thru a lot fighting with the WC people. I ca find out from my lawyer.

If you are talking about how much was paid for state disability, all of it was paid by WC.
[/quote]

Wow. 50%! Thats crazy high. Good for you
 
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