Philip Garrow LLC

How Do I Know If I am Getting a Good Deal on my Insurance Settlement

May 3rd, 2018

Q: Last year I was hurt on the job and I have been unable to return to work. The insurance claims adjuster called me about settling my claim. How do I know if I am getting a good deal?

A: Injured workers have the option of settling their claim for future benefits. The amount of the settlement can be negotiated between the parties. Unfortunately, insurance companies usually know much more about the value of the claim that most injured workers. Your claim costs include lost wages (time loss), permanent disability, medical benefits, and vocational rehabilitation/retaining benefits if you are unable to return to your usual job. It is tempting to take the insurance companies offer but you need to know the full value of your claim in order to get the best value. You can contact the Oregon Workers’ Compensation Division, the Injured Workers’ Hotline, at 1-800-452-0288, and get some advice from the Workers’ Compensation Division which regulates insurance companies. They can tell you what to look for. You can also contact an attorney who specializes in workers’ compensation practice who will give you a free consultation to discuss your options and whether a settlement is a good deal.

Philip H. Garrow

Attorney at Law

Practice Limited to Workers’ Compensation Cases and Social Security Disability/SSI Claims

Am I Eligible for Disability Benefits Based on My Husband’s Account

May 3rd, 2018

Q: My spouse of 33 years passed away recently. I have been disabled for many years and have not been able to work. Am I eligible for disability benefits based on my husband’s Account?

A: Yes, you are. Social Security has very specific rules for payment of disabled widow or widower’s benefits. These same rules apply to surviving divorced spouses as well. The surviving spouse must be between the ages of 50 and 60 years old; you condition must meet Social Security’s definition of disability for adults; and, your disability must have started within 7 years of your spouse’s death.

You can speak directly with the Social Security Administration and have them assist you with filing an application for widow or widower’s benefits. You should contact the Social Security Administration as soon as possible to make sure you qualify for benefits and you have filed in a timely manner. You must contact Social Security by phone or in person. They do not take online applications for disabled widow/widower benefits.

Philip H. Garrow

Attorney at Law

Practice Limited to Workers’ Compensation Cases and Social Disability/SSI Claims

Social Security Denies Disability Benefits Despite Doctors Opinion

May 3rd, 2018

Q: I suffered severe injuries from a work-related accident. My Doctors have declared me totally disabled. I submitted these reports to the Social Security Administration and I was still denied disability benefits. Doesn’t Social Security have to listen to my doctors?

A: Social Security operates under federal law. Workers’ compensation injuries are based on state law. Federal law requires the Social Security Administration to “consider” the statements from your doctors. However, Social Security will apply its own criteria to determine whether you meet the definition of disability. It is possible that your doctors’ reports were not specific enough for Social Security. It is also possible that Social Security believes that you could do some other kind of less demanding work.

You should appeal the Social Security denial and get some assistance, including getting more specific reports from your doctors regarding your limitations and how they affect your ability to work. You can contact a lawyer who understands the Social Security Disability rules and what is needed to prove a disability claim. There is no fee for a consultation and an attorney is only paid if your application is approved.

Philip H. Garrow

Attorney at Law

Practiced Limited to Workers’ Compensation Cases and Social Security Disability/SSI Claims

Social Security Disability Insurance Benefits and Retirement

May 3rd, 2018

Q: I am disabled and recently began to receive Social Security Disability Insurance Benefits. I heard that Social Security will increase benefit amounts for retirees. Will this affect my benefits also?

A: Social Security annually makes a cost-of-living adjustment (COLA), this year beginning January 2018 for all Social Security (retirement and disability) beneficiaries and on December 29 for all SSI (Supplemental Security Income) recipients. This year the cost-of-living adjustment is a 2% increase. The average disability benefit will be increased by about $24 per month. If your benefit amount is $1,500 per month, you will receive a $30 per month increase. For SSI recipients, the Federal SSI maximum will increase to $750 per month and $1,125 per month for families.

Also increasing will be the maximum amount of wage earnings subject to the Social Security tax, from $127,200 per year to $128,700 per year. Social Security believes this increase will affect about 12 million of the estimated 175 million workers who will pay Social Security taxes in 2018. If you have any additional questions, look at the ssa.gov website. Medicare premiums information for 2018 is available at the Medicare website.

Philip H. Garrow

Attorney at Law

Practice Limited to Workers’ Compensation Cases and Social Security Disability/SSI Claims

Insurance vs Doctor: What If I am Still Recovering?

August 22nd, 2017

Q: I had a severe back injury at work. The doctor said that I do not need surgery but I am still in tremendous pain and have been getting physical therapy for the past three months. I am not yet able to bend or lift, much less return to work. Now the insurance company is telling my doctor I have had enough physical therapy and I should be released to return to work. The doctor says he does not want to fight with the insurance company. Is there anything I can do?

 

A: Yes, there is a lot you can to do. Insurance companies are interested in saving money for themselves and their clients (employers). Their goal is not to see that you get the best care that you can but to get the least expensive care that the doctor will authorize. Your doctor should carefully explain to the insurance company why you need additional therapy and why a home exercise program by itself will not improve your medical condition that the extent that you can return to your regular work. Therapy and other passive treatments are beneficial at reducing disability and returning workers back to their normal activities, including work, as long as they are given the opportunity to succeed. Constantly delaying or questioning treatment is not helpful to anyone but the insurance company. You or your doctor can appeal the insurer’s decision to the Workers’ Compensation Department.

You can also talk to an attorney who understands workers’ compensation law and can help you get the treatment that you need.

Early Retirement and Disability Benefits

August 22nd, 2017

Q: I am 62 years old and unable to continue working due to multiple physical problems, including back surgery. I am eligible to apply for early retirement. If I also apply for disability, will my disability benefits be reduced because of the early retirement?

 

A: As you know, you can begin receiving early retirement Social Security benefits at age 62. By filing early, you will lose about 25% of your full (age 66) retirement amount. However, if you have a disability which prevents you from returning to work, regardless of your age, you can also apply for Social Security disability benefits while you are receiving your retirement benefits. If you are granted disability benefits, you will be entitled to your full Social Security retirement amount as if you had not applied for your early retirement benefits. When you apply for retirement, the Social Security representative should ask you about why you stopped working and ask you if you want to file for disability. Social Security law requires them to advise you about all benefits to which you might be entitled.

If you have questions, you can talk to your local Social Security representative. You can also talk to an attorney who is experienced in Social Security disability matters.

Is My Child Eligible For Social Security Disability Benefits?

August 22nd, 2017

Q: I am confused about the Social Security Disability process. We have a young child who may be eligible for disability benefits based on a diagnosis of autism. Is he eligible for benefits even though he has not paid Social Security taxes?

A: Social Security has two basic programs that pay disability benefits for people who meet certain medical criteria, Social Security Disability and SSI. The disability program (SSDIB) benefit is based on a number of earnings reported to the Social Security Administration and is payable to an individual who becomes disabled and in certain circumstances the spouse, disabled widow, or disabled adult children of the wage earner.

Children under the age of 18 may be eligible for SSI (Supplemental Security Income) benefits if they have physical or mental conditions which meet Social Security’s definition of disability for children and their income and resources fall within the eligibility limits. Your local Social Security office can usually tell you about the SSI payment as well as income and resources limits. You can also find information on Social Security’s website www.ssa.gov.

If you have questions about applying for disability or if you have been denied, you can contact an attorney who may be able to assist you with your disability questions.

What If My Employer Doesn’t Want Me to Report a Work Injury?

August 22nd, 2017

Q: I slipped and fell at work, hitting my head on the pavement. The fall was witnessed but my employer asked me not to file a claim with workers’ compensation. They asked me not to go to the doctor. However, I am still having neck pain and headaches even though the injury happened over two weeks ago. My employer has me doing light duty and told me that it could be a “problem” if I filed a claim. Is it too late for me to file and claim and will I get fired if I do that?

 

A: You can file a claim at any time if your employer had notice of your injury. The law says you are required to file a claim as soon as possible. However, if your employer prevents you from filing the claim, you can still go to a doctor of your choice and have the doctor file the claim for you. It is illegal for your employer to fire you because you asked about or sought help for an on-the-job injury. You can get confidential legal advice from an attorney experienced in practicing workers’ compensation law. You can also confidentially call the Oregon Workers’ Compensation Division at 1-800-452-0288 and ask them about the procedure for filing a claim.

 

Generally, a claim should be filed as soon as possible and medical treatment sought as soon as possible so as not to delay healing or cause additional problems. If you need help, you should contact a legal professional as soon as you can to assist you with filing your claim.

Are You Covered By Worker’s Compensation With Uber?

August 18th, 2017

Q: I plan to begin working as an “Uber” driver soon. Am I covered for on-the-job injuries by Uber?

A: Your question has not yet been answered by the courts. In Oregon there is a statutory exemption for taxicab drivers from workers’ comp. insurance. In other words, until recently all taxi drivers, which would likely include Uber drivers, have been considered independent contractors and not subject to wage and hour laws, unemployment insurance laws, or workers’ compensation laws. However, two recent legal decisions bring the previous law into question.

In 2015, the Oregon Supreme Court held that Broadway taxi cab drivers in Portland were employees, not independent contractors, such that Broadway Cab owed unemployment taxes. Also in 2015, the Bureau of Labor and Industries (BOLI) issued an “advisory statement” which indicated that it may consider Uber drivers to be employees rather than independent contractors under Oregon law. Uber recently settled cases in California and Massachusetts to keep drivers’ status as independent contractors. However, in Britain, the Uber drivers are considered employees.

I suggest checking with your insurance company to make sure you have coverage for any injuries that occur while driving for hire. Some motor vehicle insurance policies have exclusions for vehicles used in a business.

You can also contact a legal professional knowledgable about such laws.

How Much Time Do I Have to File a Work Injury Claim?

August 18th, 2017

Q: How much time do I have to file a claim for an on-the-job injury? My injury was 3 months ago and I just went to the doctor today.

 

A: Oregon law requires notice of an accident at work resulting in injury or death to be given immediately and not later than 90 days after the accident. Your employer is required to notify its workers’ compensation insurer immediately, and no later than 72 hours, after receiving notice of the accident. If you documented the incident with your employer, you have up to one year to file the claim. If you are off work because of the injury, wage replacement is due within 14 days. You should also seek medical attention as soon as possible after your injury. There are exceptions for failing to give proper notice if you have “good cause.” For occupational disease claims, which typically have a gradual onset, you are required to give notice of your claim within one year of the day that your doctor tells you you have a work-related occupational disease. A disease is different from an injury in that the disease usually comes on gradually over time. To be safe, you should file your claim as soon as possible and not rely on the “good cause provisions,” which can often result in litigation. If you have questions about filing a claim, you can contact the Workers’ Compensation Division Ombudsman’s office or call an attorney experienced in workers’ compensation law and procedure. Consultations are free in all cases.