$1 Billion Settlement Affirmed - NFL Retired Players Concussion Class Action

"It is the nature of a settlement that some will be dissatisfied with the ultimate result. Our case is no different, and we do not doubt that objectors are well-intentioned in making thoughtful arguments against certification of the class and approval of this settlement. They aim to ensure that the claims of retired players are not given up in exchange for anything less than a generous settlement agreement negotiated by very able representatives. But they risk making the perfect the enemy of the good. This settlement will provide nearly $1 billion in value to the class of retired players. It is a testament to the players, researchers, and advocates who have worked to expose the true human costs of a sport so many love. Though not perfect, it is fair."

Uncertainty Over Whether N.F.L. Settlement’s Money Will Last

As intriguing football matchups go, Sunday’s Super Bowl has nothing on one looming down the turnpike in federal court in Philadelphia — with Judge Anita B. Brody the ultimate referee.

Brody, considering the N.F.L.'s recent settlement with 4,500 retirees over work-related brain injuries, has asked both sides to demonstrate that their $765 million bargain will fulfill its promise to compensate every currently retired player who has or will develop a neurological condition such as dementia or Parkinson’s disease.

Lawyers for the plaintiffs and the N.F.L. said independent actuaries and medical experts had endorsed the terms of the settlement. But the lawyers refuse to share any of their data with the public to help substantiate how they arrived at the $765 million figure, and there is growing displeasure among plaintiffs who have not been allowed to see the data, either.

Numbers can speak for themselves, though, and they bring a clear warning: The $765 million could run out faster than either side apparently believes. When one forecasts how many of the roughly 13,500 currently retired players may develop these conditions over the next 65 years, compensating them as the settlement directs could very well require close to $1 billion, and perhaps more.

No one can divine how many players will develop these conditions. But the best data available comes straight from the N.F.L., and it becomes instructive after some basic guidelines.

The settlement essentially...

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Lawsuit claims chemical spill at Armstrong caused worker's neurological disorder

Today's post is sahred from  inpews.com

Sandra Cooper remembers the exact date her life started to turn upside down: Sept. 25, 2003. She'd gotten home from her job as an art teacher at Garden Spot High School around 4 p.m. that day. Her husband, Gene, who was on shift work at Armstrong World Industries floor plant, arrived home a short time later. She heard him coming. "I could hear the coughing even before he came up the sidewalk," Sandra Cooper said. "I've never heard anybody cough like that." His eyes were watering, he had a blinding headache and he was screaming in between hacks. There'd been a spill at work, he told his wife. Chemicals. He had to help clean it up.

THE TRUTH ABOUT CHEATIN’ AND LYIN’

Today's post comes from guest author Susan C. Andrews, from Causey Law Firm.

     You hear it all over the place these days: there are lots of people out there who lied and cheated to get Social Security Disability (SSD) benefits. I’m here to tell you that is a myth. You don’t have to drill down very far to find out differently. I should know, from where I sit, as an attorney who handles SSD cases. Where I sit most days is in front of a big pile of medical records—I mean HUNDREDS of pages of medical records, all belonging to the same person. You see, some of my clients have just one great big medical issue—like cancer, or Multiple Sclerosis, or Parkinson’s, and many of my clients have multiple medical problems. Either way, they have spent more time in doctors' offices and hospitals than any of us would ever choose to do.

 There is a mistaken notion floating around out there that a person can just waltz into Social Security, claim to be disabled, and voila—he’s granted benefits!

     There is a mistaken notion floating around out there that a person can just waltz into Social Security, claim to be disabled, and voila—he’s granted benefits! Nothing could be further from the truth. The burden of proof is on the claimant (the person claiming benefits) to show that he or she is disabled from engaging in substantial gainful activity (SGA) for a period of at least 12 continuous months. More about SGA in a bit. That proof starts with medical records, and diagnoses made by doctors. Self-diagnosing just doesn’t cut it, even if you’ve read up on your condition all over the internet, and you’re absolutely positive you know what’s wrong with you! Sometimes we get calls from people who do not have health insurance, and even though they have a serious medical condition, they have been unable to access much in the way of health care. Sadly, some of those folks who should be able to qualify for benefits do not, because they simply do not have the necessary treatment records to document the seriousness of their conditions.
     As mentioned above, Social Security’s definition of disability is the inability, due to one or more medical impairments, to engage in substantial gainful activity for a period of at least 12 continuous months. Social Security defines SGA in part by a dollar figure that usually goes up a little every year. In 2013 it is $1,040. Social Security looks at a person’s GROSS earnings, not net earnings or take-home pay. So if I’m able to gross $1,040 or more per month, I can engage in substantial gainful activity and I do not qualify for SSD. This concept is important especially for individuals with progressive conditions.
     Take, for example, a person diagnosed with Parkinson’s. One famous example is the actor Michael J. Fox. His Parkinson’s affects his functioning, but he is still working. Many people with progressive conditions continue to work for some time after receiving their diagnosis. At some point, progression of the disease may force some of them to go to part-time work. When the hours worked decrease, their earnings may no longer qualify as SGA. Or—and I see this a great deal in my practice—some people begin to have more bad days than good days, and work performance is impacted. There are days so bad that they really have no choice but to call in sick. Then this begins to happen more frequently than a couple of days a month. In my experience, at that point most employers become very unhappy campers. Not only are the employees taking sick leave faster than they are accruing it, they can’t tell their employers ahead of time which days they will wake up with an exacerbation of symptoms that keep them in bed, or at least in their bathrobe, all day.
     Which brings me to my final point: Many of my clients look okay to the casual passer-by. Take the guy with a serious heart problem. Well sure, if I followed him around for half a day, I’d see that he can barely exert himself without getting out of breath. But if I just passed by, he might look fine. And the day he spends at home in his bathrobe because he can hardly catch his breath—I’m not going to see him at all when he’s having one of those really lousy days. His condition may be largely invisible.
     To sum it up, I’d say there’s a bit of wisdom in being slow to judge. Thank goodness we take our good health for granted—it’d be a miserable existence if I spent too much time worrying about getting sick before it actually happened. But, of course, serious illness can strike any of us when we least expect it. And on the other side of that defining moment, the world can look a whole lot different.
 Photo credit: Gemma Grace / Foter / CC BY-NC

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