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Search results for “workers comp”

20 results

My brother's Brunswick boss says use health insurance after a deer-crash delivery wreck. Legal?

In New Hampshire, an ordinary commute usually stays outside workers' compensation. In Maine, a crash while making a delivery, driving between job sites, or running an employer...

Delayed Head Injury After Maine Company Van Crash

In Maine, a work injury claim usually turns on when the injury happened and when you knew it was serious, and that gets messy fast when concussion symptoms blow up weeks later.

ARTICLE by Donna Sprague

Insurance says your panic attacks after a Brunswick rear-end crash belong in arbitration - are they kidding?

A Brunswick parks worker got rear-ended in highway traffic and now the insurer is acting like PTSD, missed work, and a mandatory arbitration clause make the claim disappear.

ARTICLE by Rick Plourde

I used my own insurance after a work crash in Portland. Did I ruin workers' comp?

No. If you got rear-ended on Forest Avenue delivering supplies or heading between jobs in Portland and the ER ran your regular health insurance first, that usually does not...

exclusive remedy doctrine

A rule in workers' compensation law that usually makes workers' comp benefits an injured employee's only recovery against the employer for a job-related injury, even when the...

I just found out the insurer can use your delayed surgery against you in Augusta

A parking lot crash claim in Augusta can get ugly fast when the insurer says you waited too long for surgery, especially if missing work was never really an option.

ARTICLE by Omar Hassan

compensation rate

You just got a letter that says your weekly workers' comp check will be a certain amount, and the number looks lower than you expected. That number is the compensation rate:...

going and coming rule

This rule can decide whether medical bills and lost-wage benefits get paid or denied after a crash or other injury on the way to work or on the way home. If the insurer says...

Offered $9,500 after a Brunswick roadside crash - fair or bullshit?

A Brunswick janitor gets hit walking where there's no sidewalk, ends up worse after the ER discharge, and now the insurer is pretending that means the injuries are minor.

ARTICLE by Michael Devlin

second injury fund

People often confuse a second injury fund with a preexisting condition. A preexisting condition is the worker's earlier medical problem or permanent impairment. A second injury...

My boss says a blowout makes this "just an accident" - true?

A tire blowout does not magically erase a drunk or drugged driver's fault, and an employer's immigration threat does not change that.

ARTICLE by Michael Devlin

Why is my Lewiston boss telling me use my insurance after a work crash?

You have just 30 days to give notice of a work injury in Maine before you risk losing workers' compensation rights. Most people assume the system starts when the insurance...

utilization review

The worst-case outcome is a denied surgery, medication, or therapy plan because no one recognized that the insurer was questioning whether the care was medically necessary....

unscheduled injury

What does it mean if an injury is "unscheduled"? It means the injury does not fall on a fixed statutory list of body parts or losses that carry preset benefit amounts. In...

cumulative trauma

An injury that builds up over time from repeated stress instead of one sudden event. "Builds up over time" is the key part. A bad shoulder from years of overhead lifting, numb...

independent medical exam

Your benefits, wage checks, and even whether an injury gets taken seriously can turn on one doctor's report. Despite the name, an independent medical exam is not automatically...

third-party claim

Miss this issue after a serious injury, and money can be left on the table. A third-party claim is a claim against someone other than the person or business directly tied to...

scheduled injury

Not every workplace injury is a "scheduled" one, and the biggest misunderstanding is thinking the label means the injury happened on a schedule or that every serious injury...

diminished quality of life

Not the same as a pile of medical bills, lost wages, or a permanent disability rating. It is also not limited to being bedridden or unable to work. Diminished quality of life...

arising out of employment

You just got a letter that says your injury may not have "arisen out of employment." That phrase means there must be a real connection between the job and the injury. In...