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Friday, March 2, 2012

Falling Asleep On The Job: Insufficient Sleep Is A Compensable Condition


National Sleep Awareness Week — March 5–11, 2012

During March 5–11, 2012, National Sleep Awareness Week will be observed in the United States. The National Sleep Foundation recommends that U.S. adults receive, on average, 7–9 hours of sleep per night (1); however, 37.1% of adults report regularly sleeping <7 hours per night (2).
Persons reporting sleeping <7 hours on average during a 24-hour interval are more likely to report unintentionally falling asleep during the day at least 1 day out of the preceding 30 days (46.2% compared with 33.2%) and nodding off or falling asleep at the wheel during the previous 30 days (7.3% compared with 3.0%) (3). Frequent insufficient sleep (14 or more days in the past 30 days) also has been associated with self-reported anxiety, depressive symptoms, and frequent mental and physical distress (4).
Such findings suggest the need for greater awareness of the importance of sufficient sleep. Further information about factors relevant to optimal sleep can be obtained from the National Sleep Foundation (http://www.sleepfoundation.orgExternal Web Site Icon) and CDC (http://www.cdc.gov/sleep).

References

  1. National Sleep Foundation. How much sleep do we really need? Arlington, VA: National Sleep Foundation; 2011. Available athttp://www.sleepfoundation.org/article/how-sleep-works/how-much-sleep-do-we-really-needExternal Web Site Icon. Accessed February 24, 2012.
  2. CDC. Effect of short sleep duration on daily activities—United States, 2005–2008. MMWR 2011;60:239–42.
  3. CDC. Unhealthy sleep-related behaviors—12 states, 2009. MMWR 2011;60:233–8.
  4. Strine TW, Chapman DP. Associations of frequent sleep insufficiency with health-related quality of life and health behaviors. Sleep Med 2005;6:23–7.

Monday, February 27, 2012

The Religious Opt-Out Scheme: A New Approach to Eliminate Workers' Compensation

Alex Berman
Ed Note:
Over a decade ago Bechtel Corporation initiated an opt-out program that took workers' compensation out of the adversarial system entirely. Shortly thereafter, the concept of universal healthcare emerged as a concept to remove all healthcare delivery and benefits from workers' compensation. Recently Republican presidential candidates have pledged to merge the system into an employee paid for program. Now, legislators in the State of Michigan, where unemployment soared to over 14% in 2009, are suggesting yet another approach to opt-out of workers' compensation based on a religious exemption.
Jon L Gelman

Guest post by
Alex Berman of the Michigan Bar


Representatives Earl Poleski (primary), Matt Lori, Joe Haveman, and Margaret O’Brien have introduced new legislation that would exempt religious organizations from the Michigan workers compensation system.

House Bill No. 5371 provides that: “An individual is not an employee subject to this act if he or she is a member of a religious sect or division that is an adherent of established tenets or teachings by reason of which members are conscientiously opposed to accepting the benefits of any public or private insurance that makes payments in the event of death, disability, old age, or retirement or makes payments toward the cost of, or provides services for, medical bills, including the benefits of any insurance system established by the social security act, 42 USC 301 to 1397mm, and has the practice established for 10 or more years, for members of the sect or division to make reasonable provision for their dependent members. An employer shall retain a copy of the employee’s internal revenue service form 4029 that has been approved by the federal social security administration to assert an exemption under this subdivision.”

This legislation would take away protections that have been in place since the original workers compensation act was passed in 1912. It would allow religious organizations to exempt their employees from the workers compensation system if they are members of the same faith. The idea seems to be that religious groups who are conscientiously opposed to public or private insurance should not be forced to participate in the state workers compensation system.

We believe this legislation is awful and will lead to many unintended consequences. It is also unlikely to survive a constitutional challenge in the courts.
Michigan Workers Compensation Law 101

Workers compensation is a type of insurance that employers are required to purchase under Michigan law. It is intended to protect both employees and employers in the event of a work-related injury.

An employee who suffered a work injury before 1912 used to have to show that their employer was at fault to receive compensation. If the injured worker could prove fault, he or she was entitled to any damages that a jury could award. This included pain and suffering. The problem with this approach was that some employees were overcompensated for their injuries while others received nothing. Employers could also be forced to pay substantial damages for relatively minor injuries.

Michigan adopted its first workers compensation law in 1912. The law was a compromise between employee and employer interests. Employees gave up the right to sue in civil court in exchange for what are essentially no-fault benefits.

Workers compensation now pays wage loss, medical treatment, and vocational rehabilitation. Employers receive protection from civil lawsuits including actions for negligence. The amount of benefits that employers must pay are limited.

Michigan’s workers compensation system has worked for over 100 years and has served as a model for other states. It provides injured workers with fair compensation while protecting employers and business interests.

Unintended consequences

Exempting religious organizations from the workers compensation system creates a slippery slope and sets a bad precedent. Soon other groups will seek to be exempted and the entire system will be put in jeopardy.

Employees gave up their common law rights in exchange for limited workers compensation benefits. If an employer is exempted from the workers compensation system, presumably its employees would be free to file a tort action and seek civil damages. This is exactly what the workers compensation system was designed to prevent in the first place.

Just because someone has a religious belief does not mean they should be exempted from Michigan law. You could give religious organizations total immunity but the last time we checked this was not the middle ages.

Changes to the workers compensation law should not be done hastily

Any changes to Michigan’s workers compensation law should not be done without serious thought and consideration. All stakeholders need to be brought together to ensure continuing viability of the system.

Alex Berman is the founding member of the Law Office of Alex Berman, P.C., of Farmington Hills, Michigan. For over 30 years he has handled workers' compensation claims for employees who had injuries or disabilities and has battled successfully against employers including automobile suppliers. He is a member of the State Bar of Michigan and the Michigan Association for Justice.

Enter Jeb Bush: Gingrich on Work Comp Now an Issue

Ann Coulter at the 2004 Republican National Co...Image via Wikipedia
Ann Coulter at the 2004 Republican National Convention
The Republican presidential primary is now moving workers' compensation up on the issue ladder. Today, Ann Coulter, a conservative columnist on the Fox New Channel,  attacked Newt Gingrich  on his proposal to employ child janitors and opposition to a workers' compensation system and also attacked Jeb Bush on his pro-immigration policy.

Coulter, who is supporting Mitt Romney,  remarked that the candidates should stop "appealing to people's fear and emotions." She commented that the nomination of Jeb Bush would be an embarrassment to the Republican party and is pro-amnesty for illegal aliens policy was not conservative enough.

On the other hand, she failed to mention that Mitt Romney planned to cut benefits to the disabled. So the choices are pretty poor for injured workers. Whether the Republicans  directly or indirectly attack benefits for injured workers, it is quiet apparent that workers' compensation will be a prominent issue for the 2012 presidential campaign.


Thursday, February 23, 2012

Workers Compensation: The Next Wave From California

The California Division of Workers' Compensation has announced a series of public discussions for comments and concerns as it struggles in crafting a potential modification of its system.

Click here to read the California DWC Announcement


Topics of discussion will include:
  • Provision of appropriate medical treatment without unnecessary delay, the Medical Provider Network (MPN), Utilization Review (UR) or other issues
  • Enabling injured workers to return to work as quickly as medically feasible
  • Adequate compensation for permanent disabilities
  • Reducing the burden of liens on the system
  • Identification of appropriate fee schedules
  • Reducing  unnecessary litigation costs
  • Assessing appropriate use of opiates and other care
  • Any other improvements needed

Wednesday, February 1, 2012

Merit-Based Workers Compensation: The Romney-Gingrich Plan

The Republican presidential primary battle has inadequately defined the debate guidelines for the future of workers' compensation in the US. While both leading Republican candidates are throwing darts at each other on many points, the basic philosophy of both Mitt Romney and Newt Gingrich is to extinguish the so-called "entitlement society." They claim Barack Obama, "the food stamp president," has accelerated the problem. 


Of course, missing from the debate is that fact that the US has changed, in tandem, with the rest of the world. The nation's manufacturing sector left the auditorium, and with it went jobs and premiums for supporting a viable workers' compensation system. What it left was a legacy of industrial illness and disease that is fatally affecting the nation's medical delivery system and burdening the taxpayers of our nation.


If the political debate is to become credible, the medical treatment delivery system must be addressed rather than just throwing around meaningless political rhetoric. While the safety net is slowing deteriorating, there remains still an opportunity to re-design and advance a credible workers' compensation system. If the debate continues along the present path, the opportunity will be lost and the nation will loose.


See The Republican Myth Of Obama’s “Entitlement Society” By Robert Reich
"But they have cause and effect backwards. The reason for the rise in food stamps, unemployment insurance, and other safety-net programs is Americans got clobbered in 2008 with the worst economic catastrophe since the Great Depression. They and their families have needed whatever helping hands they could get."
.....
For over 3 decades the Law Offices of Jon L. Gelman  1.973.696.7900  jon@gelmans.com have been representing injured workers and their families who have suffered occupational accidents and illnesses. 

Sunday, January 29, 2012

Wage Miscalculations Can Result In Incorrect Low Temporary Disability Payments

Universally workers' compensation temporary disability benefits are set calculating wages at the time of the accident. If an employer miscalculates an employee's wages then the payment of temporary disability benefits paid may be too low. Employers use many techniques to report low wages.

Click here to read more: Don’t Get Short-Changed On Your Work Comp Disability Payments by attorney Brody Ockander
"While off work for your injury, make sure you are getting the proper amount of money you are entitled to. Employers use many techniques to manipulate your wages to pay you less than you are legally entitled to."

Saturday, January 28, 2012

Workplace Violence: Workers Compensation Judge Removed For Taking a Gun To Work


I once walked into a workers' compensation court and the Judge was using a 3 foot sledge hammer as a gavel. How far a field one can go before crossing the line of what is appropriate conduct for a judge was the subject of a recent court decision.

A Court in Pennsylvania has ruled that it is unlawful for a workers' compensation judge to bring a gun to work. The judge was removed from office and terminated.


Click here to read: Peter E. Perry v. State Civil Service Commission, No. 2751 C.D. 2010 (PA 2011)


"....the Commission credited L&I‟s evidence regarding the existence of its policies concerning weapons in the workplace and Perry‟s 14  violations of those policies. The Commission‟s supported findings reveal the following. L&I issued its employees a Weapons Policy Statement, which specifically prohibited the possession of weapons, including, among other things, all forms of firearms, “while in or on property owned or leased by [L&I].” F.F. No. 9; R.R. at 134a. The policy specifies that violations “may lead to disciplinary action up to and including termination from employment.” R.R. at 134a. Perry received this policy. F.F. No. 10; R.R. at 136a-37a. Perry also received a copy of Management Directive 205.33 relating to workplace violence, issued by the Governor‟s Office, Secretary of Administration, which applied to all agencies under the Governor's jurisdiction. R.R. at 125a-32a, R.R. at 136a-37a."


Related articles

Tuesday, January 24, 2012

Workers Compensation Fails to Cover Most Occupational Disease Claims

A just published study reports that only 25% of occupational disease claims are covered by US workers' compensation programs.

Click here to read the entire report: Economic Burden of Occupational Injury and Illness in the United States  Get PDF (611K)
"The medical and indirect costs of occupational injuries and illnesses are sizable, at least as large as the cost of cancer. Workers’ compensation covers less than 25 percent of these costs, so all members of society share the burden. The contributions of job-related injuries and illnesses to the overall cost of medical care and ill health are greater than generally assumed."

Thursday, January 12, 2012

The Law School's Roll in Workers' Compensation Law To Be Discussed

At the American Bar Association Midwinter Seminar & Conference, Co-sponsored by Tort, Trial and Insurance Practice Section and the Labor Law Section of the ABA, members of The College of Workers' Compensation Lawyers will present a special panel discussion addressing the issue of teaching workers’ compensation in the nation’s law schools. All of the panelists have experience as adjunct professors teaching workers’ compensation. The program is scheduled March 8-12, 2012 in San Antonio, Texas. They will review how many law schools are featuring a workers’ compensation course, how the panelists teach the subject, and they will also provide advice on how to lobby a law school to initiate such a course. The College members will be accompanied by a special guest from Texas, workers’ compensation hearing officer Hon. Patrice Squirewell-Jean, who has taught as an adjunct at Thurgood Marshall School of Law/Texas Southern University.


The College of Workers' Compensation Lawyers has been established to honor those attorneys who have distinguished themselves in their practice in the field of workers' compensation. Members have been nominated for the outstanding traits they have developed in their practice of twenty years, or longer, representing plaintiffs, defendants, serving as judges, or acting for the benefit of all in education, overseeing agencies and developing legislation.


To read more about the conference click here.

Tuesday, January 10, 2012

Corporate Empathy: A Race To The Bottom Of The Ladder

As the Republican Presidential primary race heats up, the candidates start to get tied, the debate becomes ever so more heated and raw, and the true colors of reality starts to show. Where the race will lead us and the movement to improve the nation's system of medical benefit delivery to injured workers' is really anyone's best guess. As of now the temperature of the debate and the emotion being generated portends poorly for the benefit of workers as the corporate mentality reflects no empathy for workers and the race to the bottom of the ladder continues.


For more read the NY Times Editorial today"The Corporate Candidates."
"Mr. Romney claims his background as a businessman provides him with an understanding of the economy and the ability to fix it. His opponents — particularly Newt Gingrich, Rick Santorum, Ron Paul and Rick Perry — say their political experience provides the same advantage. In truth, none have offered anything but tired or extremist economic prescriptions, providing little evidence that they can relate to those at the middle or bottom of the ladder."

Sunday, January 8, 2012

PROTECT America's Injured Worker Medical Rights



Why This Is Important
The goal of this petition is to garner the support and representation of the American Civil Liberties Union in a due process lawsuit against the State of New York and/or other states within the United States under violations of the civil rights law pertaining to “Deliberate Indifference”, against injured worker’s legal rights to timely and qualified medical treatment thereof.
American workers were improperly stripped of their rights to sue their employer or the state for damages sustained in workplace accidents in 1917 before most of us were even born. Workers Compensation laws, in direct conflict with employee due process rights, quickly spread nationally. Only one lawsuit resulted, ironically, on behalf of employer due process rights. Despite the fact that this contract which lives in infamy violates both employer and employee rights, it has survived for 95 years.
Meanwhile, the "contract" has become so inequitable that millions of American workers are defrauded of life, liberty and the pursuit of happiness, after being thrown into an adversarial court system, where their $5.00 lawyers fight against six figure slingers who represent insurance companies that are raping America.
Injured workers are forced to obtain treatment from an inadequate, unspecialized list of providers, often with disastrous long term results and are barred from both timely and appropriate medical treatment through a complex paper trail of denials for basic medical care.
Further, their lifetime awards are severely limited, and their income reduced to nothing. Paid Independent Medical Examiners with little or no experience with the injury at hand are allowed to pass judgment on degrees of life time injury, literally whisking away damages for the benefit of the insurance providers who pay them. It's only a matter of time until Claimant’s are completely penniless and wind up on welfare, which lets the insurance company off the hook, but leaves the taxpayers holding the tab for social programs such as food stamps and medical coverage or social security disability, as the statutorily promised income protection and medical coverage is non-existent.
Additionally, Injured Workers who are legally entitled to lifetime medical benefits are finding these benefits are unavailable when they relocate from one state to another unless an out of state provider is willing to take on complex paper processes and pathetic reimbursement rates. Once injured in New York, you will never leave New York, or, in essence, you forfeit your right to coverage.
Due to low reimbursement, high medical malpractice risk (due to lack of timely treatment and authorization), and complex paper processes, the list of available providers is shrinking rapidly from year to year. Often, professional review processes are not employed by State government, and substandard physicians are the only ones left on the medical provider list.
Americans are being defrauded and led to believe they will be dealt with fairly, but all fairness has been removed from the system. Ultimately, Corporations are paying the highest insurance rates in history, while the Claimants are getting next to nothing. Meanwhile, the insurance industry makes a killing. The Workers Compensation contract is inequitable.
PROTECT AMERICAN INJURED WORKERS by repealing the 1917 Workers Compensation Act. In varying degrees, this violation of civil rights due process laws is creating a “deliberate indifference” situation, due to unrealistically low provider rates, medical malpractice risk, and shrinking provider lists. Provider fees and attorney fees haven’t been updated for years, and medical guidelines are being employed which haven’t even been ratified by the State, with each new guideline taking another chunk out of what little the injured worker is currently entitled to.
Before long, we’ll have to pay our employers when we’re injured, rather than the other way around.
The failure of Workers Compensation to meet the needs of injured workers is leading to lifetime injuries which were originally treatable and the collapse of American families.
Additionally, America’s social systems are picking up the tab as injured workers flock to obtain early social security, food stamps, and Medicaid due to their lack of coverage under Workers Compensation laws.
Ironically, while American workers are being ignored, American prisoners are getting free medical treatment. In fact, American prisoners are successfully being represented by civil rights lawyers across this country in order to obtain the same quality of care that Americans have come to expect, and that American Injured Workers desire.
If prisoners have rights under “Deliberate Indifference” guidelines to fair treatment, why not the American Worker?
Under current laws, Deliberate Indifference in relation to prisoners medical or safety rights is defined as a “a failure to act where prison officials have knowledge of a substantial risk of serious harm to inmate health or safety.” Crayton v. Quarterman, 2009 U.S. Dist. LEXIS 103709 (N.D. Tex. Oct. 14, 2009) (Wikipedia, 2011)
Deliberate indifference is defined as requiring (1) an "awareness of facts from which the inference could be drawn that a substantial risk of serious harm exists" and (2) the actual "drawing of the inference." Elliott v. Jones, 2009 U.S. Dist. LEXIS 91125 (N.D. Fla. Sept. 1, 2009). (Wikipedia, 2011)
In short, failure to provide timely and appropriate medical care resulting in damage is considered a civil rights violation.
Injured American Workers should never have been deprived of their constitutional right to a fair trial, representation, justice, humanity, and freedom. They should not be restricted to substandard medical care, any more than their legal representatives or medical providers should be asked to work for free.
Enough is enough. PROTECT AMERICAN INJURED WORKERS. It is clear based on hundreds of advocacy websites across the country that Workers Compensation does not work. Therefore, the band-aid approach needs to stop. We need real change, and a new system, which is fair and equitable to the American Worker.

Friday, January 6, 2012

Baby Boomers Have Work Comp Claims Too

A recent study confirms that Baby Boomers are unfortunately not claiming workers' compensation benefits at a higher rate than younger workers. What the report doesn't reveal is that older disabled workers are being shifted to the Social Security system for medical benefits at a higher rate than ever before.


NCCI, with its private data, seems to ignore the fact that cost shifting is still occurring from workers' compensation insurance coverage to the general taxpayer by the utilization of Medicare. Until CMS finally shuts the door once and for all, older workers are going to take the easier path for benefits through Medicare. Medicare leaves the choice of doctors and the number of physicians to the patient.


At this point in time, the few senior workers who do file compensation claims for injuries superimposed on general deteriorating medical conditions, are being denied work comp due to pre-existing conditions and age related deterioration. It "used to be" that workers' compensation "took the worker as they found him (her)," but that has changed through the insurance company initiated legislative efforts in a majority of jurisdictions.


Until such time as the workers' compensation system becomes user friendly to senior workers, those workers will be left out of the compensation system and will not realize the additional benefits of temporary and permanent partial or total disability benefits. Under the current system the senior workers, and the general taxpayer, are the big losers. The system needs to be reversed so that workers' compensation becomes a winning solution to the problem.


Read more about the baby boomers who are working: In a Second Career, Working to Make a Difference
“The concept of retirement is fading,” said Mary S. Bleiberg, ReServe’s executive director. “There is a steady increase in people over 65 going into or staying in the workforce. People are realizing they’re going to be around a lot longer, and there’s a limited number of golf clubs they can swing.”

Related articles

Huntsman Steps Up To Reform Workers' Compensation

John M. Huntsman, the Republican presidential dark-horse candidate from Utah, has his own agenda on attacking workers' compensation and disability benefits. Endorsed today by The Boston Globe, campaign spectators will need to keep a watchful eye on the race as the workers' compensation system is now becoming a major target of Presidential reform without a new substitute system in sight.

Read more about the platform of Jon M. Huntsman:  Morning Feature: To Create Jobs, Subsidize Labor

"Huntsman says his plan is revenue neutral, so who would pay to subsidize investors? He says he’ll pay for it by eliminating deductions and loopholes. While some of those are corporate goodies that many progressives would like to see gone, Huntsman would also take away deductions and credits that help low- and middle-income families, such as exclusions on primary income Social Security benefits, veterans pensions and disability benefits, military combat pay, workers compensation payments, public assistance benefits, and employer-paid health insurance..."


Related articles

Medical Marijuana Maybe Permitted By State Authorization

English: U.S. states are shown in green where ...Image via Wikipedia

Workers' Compensation systems maybe legally  implementing distribution of marijuana for medical purposes on a state by state basis circumventing a Federal prohibition. A Federal Court ruled today that the state authorized distribution program was not subject to Federal restrictions.

Prescription drugs utilization has exploded both in cost factors and in volume leading to major concerns by both employers and insurance carriers. Compounding the issue is that prescription pain relief is being offered more frequently to avoid the both costly and risky surgical intervention and protocols. Additionally there is a concern that state governments merely want to get into the act in order to tax the prescription costs for the purposes of raising revenue.

All of this focuses on the issue of whether the nation's workers' compensation system is actually providing the necessary care to cure and relieve medical conditions as intended by the crafters a century ago.

Click here to read more from the Jurist: Federal judge grants ACLU motion to dismiss Arizona medical marijuana challenge
"A judge for the US District Court for the District of Arizona [official website] on Wednesday granted an American Civil Liberties Union (ACLU) [advocacy website] motion to dismiss a lawsuit [order, PDF] challenging Arizona's voter approved medical marijuana law, the Arizona Medical Marijuana Act [text, PDF]."

Tuesday, January 3, 2012

Gingrich Calls Present Workers' Compensation System Dangerous


Entitlement programs were a hot issue in the Iowa Caucuses, and the nation's workers' compensation system has become an ancillary target. In the final hours of the Iowa debate,  Newt Gingrich called the present workers' compensation system as "very dangerous." 

Whoever the winner of tonight's contest is on the Republican side, that person will ultimately carry forth the Republican agenda to review the nation's disability program including both workers' compensation and disability. 


Click here for the NY Times story on the results of the Iowa Caucuses

Monday, December 26, 2011

Mitt Romney Plans to Cut Benefits to Disabled

The Mitt Romney campaign, on the eve of the Iowa Caucuses, is now refining a campaign strategy, to reduce benefits for the disabled. He is beginning to take aim at any and all programs, regardless of funding, that provide assistance to those who are unable to work.

As state workers' compensation programs are,  both substantively and procedurally, entangled into a complex web of Federal subsidies and reimbursements, he too maybe taking aim at state workers' compensation systems.


Read: The Anti-Entitlement Strategy (NYTimes)
"Romney and his aides have designed his rhetoric to define pretty much all spending on entitlements, including provisions for the injured, unemployed, sick, disabled or elderly as benefits to the poor who, Romney implies, are undeserving. And it doesn’t matter whether the money to pay for these programs comes from employer and employee contributions and not just tax revenue — they are all under suspicion."

Friday, December 9, 2011

NJ Public Employee Pensions Headed for Major Changes

S3123 Replaces TPAF, PERS, PFRS and SPRS accidental disability benefits with reduced work-related disability benefit; modifies JRS disability benefit. 


12/1/2011 Introduced in the Senate, Referred to Senate State Government, Wagering, Tourism & Historic Preservation Committee
12/9/2011 Reviewed by the Pension and Health Benefits Commission Recommend to enact with changes:


The Commission supports enactment of the bill with suggested modifications: 1) an increase in the work-related disability benefit of 40% should be considered for the most traumatic injuries that result in total disability; 2) a description of the level of medical coverage available in each system would be beneficial; 3) a monitoring of a potential shift to Workers Compensation awards would help identify any unintended costs that might result, and; 4) a change from the words “mental retardation” to “intellectual disability” would appear to be consistent with P.L.2010, c.50.


Read The Pending Legislation: S-3123

"This bill replaces the accidental disability benefit available to members of the Teachers’ Pension and Annuity Fund (TPAF), the Public Employees’ Retirement System (PERS), the Police and Firemen’s Retirement System (PFRS) and the State Police Retirement System (SPRS) with a new work-related disability benefit that is the same as the TPAF, PERS, PFRS and SPRS ordinary disability benefit of 1½% of compensation for each year of service but no less than 40% of compensation.

"In order to qualify for a work-related disability benefit, the member must receive a workers’ compensation award of permanent disability. The requirement for a medical examination may be waived when the Division of Workers’ Compensation in the Department of Labor and Workforce Development has determined that the member is 100% totally and permanently disabled.