Personal Injury Resources

Workman's Compensation can be a thorny area if your insurance company ever decides "claim denied." Here's an excerpt from a story about a man who broke his neck at work and was denied workman's compensation insurance.

There are two words insurance companies love to use. These words are: claim denied. Once you hear these words, you have two choices: One choice is to walk away and forget the whole thing and the other is to find a lawyer and litigate. Here is what you will discover: An insurance company will spare no expense to justify why your claim was denied.

In 1965, my brother Reuben was working for a radio station and he fell two stories off a radio tower and broke his neck. Being a young, strong man, (he was 19 years old) Reuben survived the fall, but he was a high level quadriplegic. Reuben was totally paralyzed from the neck down. There was no hope he would ever walk or move again because there is no cure for quadriplegia.

Shortly after Reuben's fall, my parents filed a Workmans' Compensation claim on Reuben's behalf with Liberty Mutual Insurance Company. Liberty responded by denying Reuben's claim for disability and asked for a Hearing.

Due to the back up of Workmans' Compensation cases, the Hearing date was several months off. During the Hearing, Liberty's lawyers argued that it was too soon to make a determination about his injury and they asked for a delay. The judge went ahead and ruled in favor of Reuben. Liberty appealed, and another round of Motions were made along with more medical exams and depositions taken from expert witnesses. A year went by, and the Workmans' Compensation Court of Appeals rejected Liberty's Appeal.

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