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(c) 2010-2024 Jon L Gelman, All Rights Reserved.

Thursday, September 13, 2012

NJ Maximum Disability to Increase 2% to $826.00 Per Week

NJ's workers' compensation disability rates are scheduled to increase in 2013 to a maximum rate of $826.00 per week. The NJ workers' compensation rate is mandated by statute and the the increase from $810. per week paid in 2012 is adjusted based upon the States' Average Weekly Wage (SAWW). The 1979 amendments to the act adjusted the then $40.00 maximum rate based upon the SAWW formulate to keep payments inline with actual salaries.

Click here to read the NJ Register Notice

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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 work related accident and injuries.


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California Worker Coalition Objects to Recent Workers Compensation Legislation

Injured workers are voicing opposition to recently passed legislation in California to enact austerity measures to save the California workers' compensation from rising costs and expenses. The injured workers group is voicing concern about 3 major issues:

1. Stop Attacking Injured Workers
2. For Full Healthcare Rights and No More Insurance/Employer Control Of Workers Compensation
4. Stop Cost Shifting By The Insurance Industry and Employers

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Wednesday, September 12, 2012

Cell Phones, Glioma and Cancer in the Workplace

NEW YORK, NY - MAY 31:  A woman speaks on her ...
 In a new report by 31 scientists meeting at the World Health Organization's International Agency for Research on Cancer (WHO/IARC) it was found that using a mobile phone may increase your risk for certain kinds of brain cancers. While further scientific work will be conducted, the group of scientists from 14 countries classified cell phones in the carcinogenic category 2B, which is similar to the pesticide DDT and gasoline engine exhaust. (Image credit: Getty Images via @daylife)
Cell phones continue to have an increased use in the workplace and may join the ranks of other workplace carcinogens shortly. The World Health Organization has identified cell phones as a potential cause of glioma, a brain cancer. This may produce the next wave of workers' compensation claims.

The WHO/International Agency for Research on Cancer (IARC) has classified radiofrequency electromagnetic fields as possibly carcinogenic to humans (Group 2B), based on an increased risk for glioma, a malignant type of brain cancer, associated with wireless phone use.

Additionally cell phone usage on the road by employees has been classified as  "distracted driving," and a major road hazard. Federal Regulations have been placed into effect limiting their use by commercial interstate transportation carriers.

More About "cell phones"
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As the controversy continues to rage over whether cell phone radiation can be linked to an increased risk of brain cancer, recently introduced legislation in the US Congress would offer the public more information to make ...
May 23, 2012
A recent survey reflects increase employer concern over cell phone use while driving. Such written policies may encourage courts to bar employees who engage in such activity from recovery under workers' compensation ...
Mar 27, 2012
Cell phone injuries have been linked medically by published studies. "The authors warn users of cell phones to look out for ear symptoms such as ear warmth, ear fullness, and ringing in the ears (tinnitus) as early warning ...
Jan 19, 2012
The Federal Motor Carrier Safety Administration (FMCSA) recently announced Rules that it is prohibiting the use of hand-held cell phones by interstate truck and bus drivers. As the Rules take effect is is anticipated that many ...

Health Care Continues to Eat Away at Employee Earnings

Family Health Premiums Rise 4 Percent to Average $15,745 in 2012, National Benchmark Employer Survey Finds


Throughout the nation Workers' Compensation systems have been impacted by health care costs that now take a large piece of the premium dollar. Traditional health care offered by employers mirrors the same problem of economic stress. Running two parallel systems creates added costs and  delays the delivery of medical care. The recent Kaiser Survey just released for 2012 reports that costs in the health care field continue to outpace employee compensation. 

Annual premiums for employer-sponsored family health coverage reached $15,745 this year, up 4 percent from last year, with workers on average paying $4,316 toward the cost of their coverage, according to the Kaiser Family Foundation/Health Research & Educational Trust (HRET) 2012 Employer Health Benefits Surveyreleased today.

This year’s premium increase is moderate by historical standards, but outpaced the growth in workers’ wages (1.7 percent) and general inflation (2.3 percent). Since 2002, premiums have increased 97 percent, three times as fast as wages (33 percent) and inflation (28 percent).

“In terms of employee insurance costs, this year’s 4 percent increase qualifies as a good year, but it still takes a growing bite out of middle-class workers’ wages, which have been flat or falling in real terms,” Kaiser President and CEO Drew Altman, Ph.D. said.

“Premium growth is at historic lows, which greatly benefits workers. Continuing to ensure that Americans have coverage options that are affordable is vitally important for our nation’s health,” said Maulik Joshi, Dr.P.H., president of HRET and senior vice president for research at the American Hospital Association.

The 14th annual Kaiser/HRET survey of more than 2,000 small and large employers provides a detailed picture of trends in employer-sponsored health insurance costs and coverage. In addition to the full report and summary of findings being released today, the journal Health Affairs is publishing a Web First article with select findings, and Dr. Altman authored a “Pulling It Together” column reflecting on this year’s results.

The survey reveals significant differences in the benefits and worker contributions toward family premiums between firms with many lower-wage workers (at least 35 percent of workers earn $24,000 or less a year) and firms with many higher-wage workers (at least 35 percent of their workers earn $55,000 or more a year).

Workers at lower-wage firms on average pay $1,000 more each year out of their paychecks for family coverage than workers at higher-wage firms ($4,977 and $3,968, respectively). This occurs even though the firms with many lower-wage workers on average pay less in total premiums for family coverage than firms with many higher-wage workers ($14,694 and $16,427, respectively).

In addition, workers at lower-wage firms are also more likely to face high deductibles than those at higher-wage firms. Specifically, 44 percent of covered workers at firms with many low-wage workers face an annual deductible of $1,000 or more, compared with 29 percent of those at firms with many high-wage workers. Across all employers, a third of covered workers (34 percent) face a deductible of that size, including 14 percent with deductibles of at least $2,000 annually.

“This year’s survey suggest that working families at the low end of the wage scale face significant out of pocket costs for coverage,” said study lead author Gary Claxton, a Kaiser Vice President and director of the Foundation’s Health Care Marketplace Project. “Firms with many lower-wage workers ask employees to pay more out of pocket than firms with many higher-wage workers even though the coverage itself tends to be less comprehensive.”

Health Reform and Employers

The survey estimates that 2.9 million young adults are currently covered by employer plans this year as a result of a provision in the 2010 Affordable Care Act that allows young adults up to age 26 without employer coverage of their own to be covered as dependents on their parents’ plan. That’s up from the 2.3 million in the 2011 survey. Young adults historically have been more likely to be uninsured than any other age group.

The survey also finds that 48 percent of covered workers are in “grandfathered” plans as defined under health reform, down from 56 percent last year. Grandfathered plans are exempted from some health reform requirements, including covering preventive benefits with no cost sharing and having an external appeals process. To retain this status, employers must not make significant changes to their plans to reduce benefits or increase employee costs.

Employer Expectations for 2013

In addition to the comprehensive survey conducted in the spring, employers were asked in August whether they had information about the change in premiums (or total cost for self-funded plans) for their current health plan with the largest enrollment. The average increase reported by employers who had received information for their current plan is 7 percent.

These early reports may not match what employers and workers ultimately end up paying next year, as firms can raise deductibles or otherwise change the health benefits and plans they offer to lower premiums. This year, for example, more than half (54 percent) of employers who offer health benefits reported that they had shopped around for new coverage. Of that group, significant shares switched carriers (18 percent) or changed the type of plans they offer (27 percent).

Other findings from the study include:
Worker-only coverage. Premiums for worker-only health coverage increased 3 percent in 2012 to reach $5,615 annually. Workers on average pay $951 toward this coverage.
Offer rate. This year, 61 percent of firms offer health benefits to their workers – statistically unchanged from last year. 

Cost-sharing for office visits, emergency care and drugs. Covered workers facing co-payments for in-network physician office visits on average pay $23 for primary care and $33 for specialty care. For emergency-room visits, average co-pays are $118. For drug plans with three or more tiers, average co-pays are $10 for generic drugs, $29 for preferred brand-name drugs, $51 for non-preferred brand-name drugs, and $79 for specialty drugs.
Domestic partner benefits. In 2012, 31 percent of employers offer health benefits to same-sex domestic partners, up from 21 percent three years earlier. This year 37 percent of firms offer such benefits to unmarried opposite-sex partners, up from 31 percent in 2009.
Flexible Spending Accounts and Pre-Tax Premiums. Large employers are more likely than small ones to allow workers to pay their share of premiums with pre-tax income (91 percent, compared to 41 percent) and to contribute pre-tax dollars to Flexible Spending Accounts (76 percent, compared to 17 percent).

Now in its 14th year, the survey is a joint project of the Kaiser Family Foundation and the Health Research & Educational Trust. The survey was conducted between January and May of 2012 and included 3,326 randomly selected, non-federal public and private firms with three or more employees (2,121 of which responded to the full survey and 1,205 of which responded to a single question about offering coverage). A research team at Kaiser, HRET and NORC at the University of Chicago, led by Kaiser’s Gary Claxton, designed, conducted and analyzed the survey. For more information on the survey methodology, please visit the Survey Design and Methods Section at http://ehbs.kff.org.
....
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 work related accident and injuries.

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Tuesday, September 11, 2012

NY Work Comp Premiums Reportedly Highest Assessments in Nation

The defense based NY Workers' Compensation Policy Institue has published a report reflecting that NY has the highest premium assessments in the country for workers' compensation. Note that NJ is not far behind when ranked with other northeastern states.

"An assessment surcharge added to workers' compensation costs borne by New York  employers remains the nation's highest, nearly five times the average imposed in other  states, according to the annual study conducted by the Workers’ Compensation Policy  Institute. New York’s 18.8 percent surcharge is more than double the 8.3 percent tax in Minnesota – the state with the second highest assessment. These assessments are essentially a tax on workers’ compensation premiums and are used by state governments to fund the system. In the last two years, New York State has increased this tax by 27.5 percent and decreased it by 6.9 percent, respectively."


Now that Governor Cuomo has reduced rates, the interesting question is what reform maybe anticipated inorder to pay for the reduction.

Pain Relievers Maybe Complicating Workers' Compensation Claims

NSAIDs commonly prescribed for pain relief in workers' compensation claims, to relieve pains and aches, may in fact be really making the health status of the injured worker worse in patients with cardiovascular symptomatology.



"The use of NSAIDs is associated with persistently increased coronary risk regardless of time elapsed after first-time MI. We advise long-term caution in using NSAIDs for patients after MI."

Click here to read "Long-Term Cardiovascular Risk of NSAID Use According to Time Passed After First-Time Myocardial Infarction: A Nationwide Cohort Study" CIRCULATIONAHA.112.112607Published online before print September 10, 2012,doi: 10.1161/​CIRCULATIONAHA.112.112607


"More than 80 million people in the United States have some form of cardiovascular disease (CVD)—for example, coronary heart disease, stroke, high blood pressure, or heart failure—and millions of others are at increased risk for these diseases. Over half of these people are also affected by arthritis and other disorders of the musculoskeletal system—the muscles, bones, joints, ligaments, tendons, and bursa. The pain associated with these chronic conditions is often treated with a class of medications known as nonsteroidal antiinflammatory drugs (NSAIDs). However, it has been shown that taking some NSAIDs can increase a person’s risk of having a heart attack or stroke. This risk is likely greatest in patients who have a prior history of CVD or who are at high risk for CVD. "

Click here to read "Can Patients With Cardiovascular Disease Take Nonsteroidal Antiinflammatory Drugs?" Circulation.2008; 117: e322-e324doi: 10.1161/​CIRCULATIONAHA.107.749135

Related articles

Compensation for Asbestos Related Pleural Thickening in the UK

Some of the first reported asbestos related disease cases emerged from England including a London chimney sweeper had suffered from exposure. "Since 1775 when Percivall Pott, a prominent British surgeon, noted that chimney sweeps had a high incidence of cancer which he attributed to prolonged exposure and repeated contact with soot, many other work-related cancers have been documented. More recently, attempts have been made to estimate the proportion of cancers which are occupationally and environmentally induced. Estimates have ranged from less than 4% to more than 85%." "Cancer - Occupational Exposure to Carcinogens-Aggravation/Acceleration," Gelman, J., 38 Workers' Compensation Law §9.18, West Publishing 3rd ed (2001).

The British Industrial Injuries Disablement Benefit program has established a program for evaluating asbestos related pleural thickening caused by asbestos exposures and this is discussed by Michael Osborne, Senior Solicitor, Moore Blatch Resolve LLP in a recent article which is shared below. The author is a senior solicitor with the firm’s personal injury team, specialising solely in claims relating to asbestos-related disease. I was a member of the steering committee of the British Lung Foundation’s mesothelioma awareness campaign, contributed to Macmillan Cancer Support’s booklet Understanding Mesothelioma (2010), and wrote the book Asbestos Disease Claims: a Guide for Doctors and Health Care Professionals (2001, Informa). - See more at: http://www.mooreblatch.com/our-people/profile/299-michael-osborne/#sthash.HTWJGhWD.dpuf


"The number of cases of pleural thickening has increased dramatically over the last 20 years. Between 1991 and 2011 the number of successful applications for Industrial Injuries Disablement Benefit for pleural thickening rose from 150 to 440. More than double that number of cases (821) were diagnosed by hospital respiratory physicians in 2011.

Medically, the condition is a thickening of the surfaces of the pleura, usually the visceral inner surface, although it can also involve the outer parietal pleura. It can be caused by lower doses of exposure to asbestos than asbestosis.

Frequently, pleural thickening does not show up on an x-ray and a high resolution CT scan is required to identify it.

Pleural thickening often causes breathlessness and can cause chest pain. Full lung function tests are often required to establish whether pleural thickening is causing breathlessness. If tests show a constrictive impairment, a Medical Expert may well state that it is.

In most cases, the level of disability caused by pleural thickening does not increase over time but remains static. It is estimated that in about 10-25% of cases respiratory disability does, in fact, increase in the first 10 or so years after diagnosis. In these cases, the disease seems to progress intermittently, in fits and starts. After this 10-year period, progression of breathlessness is quite rare.

The Claimant's Solicitors must review the medical records carefully. This is because pleural thickening is not always the result of asbestos exposure. It can be caused by rheumatoid arthritis, by bleeding (for example after trauma or surgery) or by a previous infection (such as empyema or tuberculosis).

In 2007, the House of Lords held that symptomless pleural plaques were not actionable (Rothwell -v- Chemical and Insulation Company Limited). In the light of this decision it is likely that any claim for symptomless pleural thickening would fail. In a test case concerning claims for asbestosis, however, it was held that if this condition caused respiratory disability between 1 and 3% this was “significant” and, therefore, actionable (Beddoes -v- Vinters Defence Systems (2009)). Thus, if pleural thickening is causing this level of disability or more, there is a good chance that the condition is actionable.

In cases where an individual has been exposed to asbestos by multiple tortfeasors (which, practically speaking, usually means several employers), the Court considers pleural thickening to be a divisible or dose-related condition.

Each tortfeasor is liable to compensate the Claimant for the proportion of his/her overall exposure to asbestos which was unlawful and for which it was responsible (following the Court of Appeal decision in Holtby -v- Brigham and Cowan (Hull) (2000)).

Damages awards for pleural thickening can be significant. The current guidelines of the Judicial Studies Board (JSB) (the body which gives training to judges) states that the general range of awards where disability is more than 10% and typically causing progressive symptoms of breathlessness is from £27,450 to £56,000. Where the level of respiratory disability is between 3 and 10%, the JSB range of awards is £10,750 to £27,450.

The younger the client, the stronger the argument for him/her claiming provisional damages, rather than full and final damages. This will give the Claimant the security of knowing that he/she can make a further claim if he/she develops mesothelioma, asbestos related lung cancer or asbestosis.

In the last few months, several pleural thickening cases have been settled on the basis of the above guidelines, including for:
A Claimant whose only exposure to asbestos took place when he had worked as a lagger's mate for a period of less than 2 months in 1962. He was 66 years old and had respiratory disability of 20% due to pleural thickening and of 40% due to non-asbestos related conditions. It was estimated that the disability from his pleural thickening would increase to 40% over the remainder of his lifetime. In the opinion of his Medical Expert, the Claimant would in the future require help with the activities of daily living outside the home (e.g. shopping and gardening etc.). He was awarded £35,000 for his pleural thickening on a provisional damages basis, together with £7,000 for the assistance he would require with the activities of daily living.
A man who had been employed by Vickers-Armstrongs Limited from about 1957 until about 1965 as an apprentice hand driller and as a journeyman. He was diagnosed with pleural thickening and asbestosis, causing a combined respiratory disability of 20%. It was estimated that his respiratory disability due to these conditions would progress to 40%. The Claimant also suffered from COPD and obesity, which were estimated to cause 40% respiratory disability. Again, the Claimant's Medical Expert considered that towards the end of his life, he would require help with the activities of daily living. His claim was settled on a full and final damages basis for £50,000.
A 69-year-old man who was exposed to asbestos when employed by British Sugar from 1970 until 1989. In the course of his work, he stripped asbestos lagging. His respiratory disability due to his pleural thickening was assessed at 10%. The pleural thickening was likely to remain stable, with only a 2% risk of progression sufficient to cause significant further respiratory disability. The Claimant was awarded £27,304 on a provisional damages basis.
A 79-year-old man who was exposed to asbestos when employed from 1949 to 1950 as an apprentice heating engineer. He repaired boilers and mixed up and applied asbestos lagging. His pleural thickening was estimated to be causing 20% respiratory disability and it was unlikely that this would progress. The claim was settled, on a full and final damages basis, for £28,500.
Mr Hobson who was exposed to asbestos in about 1958 when working as an apprentice for British Rail at Wolverton Carriage Works. He worked near men who sprayed blue asbestos onto train panels. In 2011, aged 71, he was diagnosed with pleural thickening assessed as causing a respiratory disability of 40%. It was estimated that this would progress so as to cause an 80% disability by the end of his life. His claim was settled for £52,800 on a provisional damages basis. The Claimant was allowed to bring a further claim for pleural thickening if this deteriorated causing a respiratory disability of more than 60%.

Mr Hobson becomes breathless on exertion and can no longer enjoy his favourite pastime of walking. He said:

“This is just something I have to live with, but I am keen to let others know about my experience, particularly anyone who may be suffering from similar symptoms to me, so that they have an opportunity to access the support and services they need.”

The effects of pleural thickening can, therefore, be severe. Even if the condition is causing relatively minor symptoms, however, success in a provisional damages claim usually gives a claimant the security of knowing that he/she will recover damages if he/she develops mesothelioma. This is because liability will have been admitted by the defendant and investigations in the pleural thickening claim very often identify its insurance company. Consequently, even if the defendant itself is later dissolved, the insurers would have to pay damages in a mesothelioma claim. Lawyers should not, therefore, overlook pleural thickening cases as a category of claim.