FOLLOW THE MONEY: WorkComp California in Cahoots with CNA, Grancell and Wyndham?!!

go save yourself from the zombies[Last edited on July 31, 2014 at 8:47 am]

FOLLOW THE MONEY! America? Just doesn’t seem right to send a sweet little ol’ Baby Boomer to the Welfare Lines and Homeless Kamps….and early death, does it?  #Zombie Alerts!

America? Do you know, really know, how the #WorkComp Multi-Billion Dollar Insurance Scams work, to maim and kill us, while “they” laugh all the way to the bank? Here, check this out. If you have a similar story, let us know. We’re more than a little annoyed at the moment…. Follow the blogs too… more on that horizon coming right up…

#MicCheck. CAN YOU HELP ME WITH THESE GOALS?? Does it Make Sense to you Financial and Math Wizards?? Any other #InjuredWorkers experience this sort of madness, while waiting, waiting waiting for medically necessary treatments for over 2.5 years?

What’s YOUR story regarding #WorkComp and money and medical benefits? Anybody else experiencing full scale BREACH OF FIDUCIARY DUTIES by the Insurance Carriers? One goal is to shed light on these issues, in each of these UNITED STATES OF AMERICA, and helping the insurance companies mend their ways…their ways that are maiming and killing injured workers everywhere.

Here’s a MATH word question, for anybody with a brain, a job, or a work injury related to #WorkComp.

In California, Work Comp works like this (allegedly):
TTD – 104 weeks (paid by carrier, while providing medical care)
EDD – 52 weeks (paid from employee’s fund, for long term disabilty)
Social Security – Long term disability – can take more than 2 years for approvals after pattern and practice of delays, denials, hearings, denials, delays…. similar to Work Comp practices of the State, just on a Federal Level.

Optional: LTD – usually an employee purchased option, available after 6 months of injury, as a supplement, not ‘crazy money’….payable until age 65 or recovery, whichever is sooner, and apparently part of a pay-back/offset scheme in the event Social Security benefits are approved. Policies vary.

In my case, the long term disability policy contributed $100.00 a month while TTD benefits were being honored. When benefits by insurance carrier were illegally terminated, the LTD policy provided, briefly, $1,800 a month. When TTD resume, LTD wanted their money back. :/ (Need an accountant just to deal with the cash flow, huh? D’oh!)

Social Security indicated that yes, they know I have a traumatic brain injury, but their finder of facts indicate that it is not bad enough to prevent me from selling timeshares. 😮 Does that mean they think …. nevermind…’s on appeal. One of their doctors suggested that I might be ‘crossing guard’ even though neuro-optometrists recommend vision therapy so it is safe for ME to cross the streets! Why on Earth they would want someone with vision impairments to help kids cross streets is BEYOND BELIEF, ISN’T IT?


Then, as in my case, the insurance carrier picks up the TTD at a mis-calculated and substantially lower rate of pay, for another 52 weeks, then says, “OH MY. THERE YOU HAVE IT. 104 WEEKS. YOU’RE DONE!” When objected to by injured worker, the carrier response to the omitted 52 additional weeks was, “Oh, I do this all the time. You’ve been paid 104 weeks, and that’s all your entitled to.”

Then, resources recommend that the injured work file for General Relief as a burden to the State’s coffers. Some of you may have seen my February 2014 rants about the generosity of the Salvation Army to keep my lights and heat on in the cold winter, and they directed me to Food Banks and CRISIS CENTER COUNSELING. That was helpful.

Upon injured worker requests, EDD filed a demand for reimbursement from the Insurance Carrier for the $47,922.00 paid by the State in 2012/2013. On 4/24/14, the insurance carrier reimbursed the State of California $31,400.00 for the free loan provided due to the carrier’s willful and malicious refusal to pay TTD, an action supported by WCAB Information and Assistance Officer, and was not heard by a Judge since requested to be heard repeatedly, since December 2012.

The State, in further investigations, found that the carrier had underpaid the injured worker for approximately 416 days, and The State forwarded approximately $23,000 in May 2014 to cover that mess up, and resumed twice monthly payments of $1928 until last week. Upon further investigation by Injured Worker, even the State indicates that it is a common practice that they have to protect citizens and injured workers when insurance carriers fail to pay, and breach those fiduciary responsiblities.

The severe discount in the payback of the $47,922 loaned to the insurance carrier to only $31,400.00 back to the State…. is a huge profit to the insurance carrier…. and a huge loss of nearly 6 months of benefits the injured worker has paid into and is entitled to.

That Mr. Thomas Motamed of CNA, their CEO, makes $10.7 million a year off the multi-billion dollar insurance rackets in America. Just doesn’t seem right to send a little ol’ Baby Boomer to the Welfare Lines and Homeless Kamps….

Any way you do the math, 104 weeks + 52 weeks = 156 weeks, which is 3 years.
I have been waiting and waiting and waiting for medical treatments for 2 years, 6 months, 22 days….. DO THE MATH, AND WONDER WITH ME, WHERE’S THE MONEY?

I have contacted staff people at #CNA, #GRANCEL, #WYNDHAM and #RELIANCE and I hope for good news and money shortly. KEEP THE FAITH.




This one talks about ways to save Corporations Money and the Lives of Injured workers…. after reading this info on the ‘shell games’ played:


….there may be other thought provoking ways to reduce #WorkComp costs….like eliminating Defense Attorney’s and having clear investigations by the Departments of Insurance on violations of fiduciary responsibilities that involve State and Federal Funds.








stupid no stupid people beyond this point

Where’s the Money? CNA was awarded nearly $20k FOR REFUSING TO PAY TTD IN 2012 AND 2013 AND NOW….

[Last edited on October 3, 2014 at 10:34 am]

August 24, 2015 – CNA, with the help of Grancell’s law team chicanery, has successfully shifted cost burdens to the State of California, Social Security Administration, and Medicare?  Wyndham paid how much for that useless WorkersCompensation policy?  Appears to be more like a money-laundering racket.

In May 2015, after multiple appeals, Social Security Disability was awarded, and Medicare established.   SSA calculations are apparently like a rat maze based on false and incorrect information repeatedly provided by CNA, along with the Courts “negotiating” rewards to CNA for breaking the law and refusal to pay TTD, even when a Judge told them too.   A more indepth blog will be forthcoming….. this will give you a clue of how they set the ‘SHELL GAME’ for your taxpayer dollars up…

Other paperwork falsely alleges CNA paid me and still pays me approximately $4,000/month.  Holy Moly!  Call the District Attorney.  Sounds like grand theft because such funds don’t make it to my bank account.  I wonder where they go?  Actually, I wonder if the State Controller has a clue on the money that EDD and SSA seem to ‘kick back’ to big companies like CNA aka AMERICAN CASUALTY


FOLLOW THE MONEY….  Vote the Poll, “Dodge the Rads — It’s Dangerous Out There”

[Last edited on October 3, 2014 at 10:34 am]

—–Original Message—–
From: Linda Ayres <>
To: sreubens <>
Cc: wynlinda <>; lindaayres <>; ReoLinda <>
Sent: Fri, Oct 3, 2014 10:25 am
Subject: Fwd: Linda Ayres — CNA 3269102 TTD Termination of Benefits, Authorization for Medically Necessary Treatments, and Reimbursements, QMEs and “Practice Effect” violations

Hi Stewart, Courtesy Copy to you and others.  Have a nice day.

—–Original Message—–
From: Linda Ayres <>
To: fred.sachs <>
Cc: SReubens <>; mary.falvey <>; hchalgujia <>; tina.jordan <>; melisa.paramo <>; lindaayres <>; wynlinda <>; reolinda <>; jack.dolan <>; Alyson.Johnson <>; Christine.Dasilva <>; Margo.Happer <>; merav.benedetti <>; steven.alessandrini <>; <>; info <>
Sent: Fri, Oct 3, 2014 9:52 am
Subject: Linda Ayres — CNA 3269102 TTD Termination of Benefits, Authorization for Medically Necessary Treatments, and Reimbursements, QMEs and “Practice Effect” violations

Dear Fred:

Thank you for your email of September 23, 2014 with your thoughts on monies paid and terminated TTD.  Matrix advised that they did contact you, but have not yet received a response to their request for a copy of the actual termination notice.  Can you help now?  I have bills due NOW.   TOP PRIORITY…..CASH FLOW issues since you have sent any money since July 2014, and you believe there is none due because of the deep discount provided to CNA by the State of California, relinquishing my rights and benefits.

Prioritized points below, 1-7.  Thanks.  Stress messes with my brain and too many things are coming at me right now.  Sorry for the length of this.  I also remembered I migh be able to do the housekeeping thing… I have supervised Estate housekeeping staff.  More on that below.

Stewart is being mean again, says he is not going to email me anymore, just snail mail.  That’s another ADA violation, but he doesn’t care.  I have had to keep switching email accounts because Grancell blocked me on this account, so I’ll send him a copy in a bit….not jumping through any more hoops for him.  He is tooo mean and he scares me.

Let’s not again burden the State because Wyndham doesn’t like to help injured workers return to work, and wants them kicked to the curb and or dumped into the SSDI and welfare roles.  One friend said if Tina wants me to be a Housekeeper as the only way to return to work, then the panel QME with Dr. Holmes will be imperative.  Even he might have to call for “light duty” for Orthopedic reasons.  Social Security also does not think brain rehabilitation or brain injury is an imediment to selling timeshare.  Hard to figure.  Here’s more on what a doctor told me in January 2012 regarding possiblities of return to work, if’s and thens:

Wyndham‬ Worldwide, Is there a WIDGET ASSEMBLY department??!

One of the big take-aways from SCRIPPS was further clarification on how messed up my brain is, and how desperately I need more Speech and Occupational and Vision Therapy to be able to rejoin the work foce.  Let’s work together to get me to Coastline….. It seems the cheapest way for you to go…unless you like paying Grancell to torture and terrorism disabled workers, then, I surrender.

Here is a link to some blogs with facts on my case, including denied medical care, failure to reimburse medical miles, and the whole ugly mess.   If Steward refuses to send you the file, this may be a quick update, it’s accessible on mobile phones too.

Hello Linda,


I’ve received your request and forwarded to our recalculation department for review.  Please note that we would need an actual award notice / termination notice from your workers’ compensation carrier indicating you are no longer receiving the $649.41 / wk.  As it stands it appears that you continue to receive the $649.41 / wk (2,814.11 per month) and that offset would still apply.  Once the overpayment is recovered, you would only be entitled to the $100 per month minimum benefit unless a termination of benefit notice is received on the workers’ compensation carriers’ letterhead.  – Matrix

  1.   Please send me and Matrix a copy of the TTD Termination of Benefits document today, please and thank you.

As you can see by the email from Steven Acevedo below, I’m not the only one confused by the complications caused by the CNA refusal to pay TTD the first year, and by the severe discount of my benefits negotiated with the State of California, to my loss of $20,000, and putting me in the position again to rely on public charities and State Funds, that were given to CNA rather than to this injured worker.

Before I get busy with emails on this matter today, will you kindly forward a copy to me today of the actual “termination notice” indicating that you are no longer paying me, effective when and why.  As you can see, it appears to even Matrix that yep, you’re still supposed to be and are paying me, so therefore, they are unable to reinstate my LTD benefits.

The people at Matrix and Reliance are always very helpful and responsive.   I appreciate your efforts to communicate with me, and I understand that Stewart Reubens has decided to ignore more ADA requests for electronic communications and will just mail things to me when he feels like it.  Whatever.  It’s noted.

The entire thread is again attached.

  1.   Please request from Stewart Reubens a copy of the summary of unreimbursed medical miles and expenses dating back to January 2012, submitted repeatedly, on paper and electronically.
  1.   Appeal to Scripps obfuscated by again failure to provide evaluating doctor with medical records as submitted on appeal, when it was obvious the first request was submitted with numerous omitted medical records.
  1.   Dr. Hilda Chalgujian agrees with pursuit of continued treatment at SCRIPPS and or at Coastline Cognitive Rehab, which starts October 20, 2014, if I am accepted to the program.   More evaluations required.   Her RFA is anticipated shortly.   COASTLINE MAY BE THE WAY TO GO.  DOESN’T LOOK LIKE WE CAN SETTLE UP AND I WILL NOT BE COMFORTABLE WITH ALLOWING MORE HARM TO COME TO ME BECAUSE STEWART DOES LIKE ME OR BECAUSE HE HAS HIS EGO INVOLVED IN HARMING A DISABLED WOMAN.
  1.   Stewart doesn’t want you to authorize any medical treatment, but he wants further evaluations at:
  1. a) Orthopedic Surgeon – Dr. Holmes  –  PLEASE ENSURE I HAVE A COPY OF MEDICAL INDEX AND HARD COPY OF RECORDS SENT BEYOND WHAT I ALREADY PROVIDED; PLEASE CONFIRM THAT DR. HOLMES HAS RETAINED ALL THE RECORDS PREVIOUSLY PROVIDED.  As it is a pattern of practice for Grancell to send me to appointments without providing the doctors with complete medical evidence, I will be unable to attend the QME unless I have received proper notice of the records submitted, and copies thereof.  Otherwise, I am happy to comply with helping another doctor make holiday money with another evaluation.


  1.   Stewart does not want you to authorize any brain injury treatment, following the footsteps of Kim Mall of Grancell-Corona, 24 days at SCRIPPS when 3-6 months were requested is hardly compliance with the responsibility of my employer and it’s agents to provide medically necessary treatment. Yet, Stewart wants another neuro-psych evaluation….. to add to the facts provided in 2012 by Dr. Eileen Kang and Dr. Marcel Ponton, and reiterated by Dr. Hilda Chalgujian.   Their requests for medical treatment were all ignored, so, here I am.    Coastline may be the way to go.
  1. a) Please ensure that any such neuro-psych eval complies with the law and any such evaluator currently treats TBI in his/her practice.  Please know that Matrix is sending me yet another neuro-psych for eval for my long term disability later in month, and practice effect in such exams is common knowledge within that realm of experts.  Please ensure CNA is in compliance whatever laws may pertain to repeated testing in hopes of getting better results and being able to further deny medical treatment.  I get the question about “What season is it?” right this time of year, and I am doing better at listing the presidents, and identifying what day, month, year it is, and what City and County I am in.  I still have challenges with counting from 100 backwards by 7s, and spelling world backwards is hit and miss.

Wow, to think some work comp comp doctors are paid several thousand dollars to adminster those tests, or to supervise a non-licensed person to do so…. Wow, that’s America, huh?

  1.  Steward said he was going to contact Dr. Hilda and Dr. Bergey directly regarding ‘MEDICAL LIMITATIONS’… May I also suggest you re-review the records and statement of Dr. Marcel Ponton, psychologist and QME, and Pasadena treating doctors from April 2012 to December-ish 2012…. It’s in the blog, but here’s a quote, and since none of the recommended treatments happened, there’s little reason to believe anything has changed much on the limitations, huh?


Report to Employer:

Disability or Medical Limitations:  (Physician must review employee’s job description and describe disability and/or restrictions from performing this job). 

HAS PROBLEMS WITH ATTENTION AND CONCENTRATION WHICH WILL IMPACT ABILITY TO EFFECTIVELY PROCESS COMPLEX CLIENT INFORMATION AND OTHER DATA.  Additionally, injured worker has a reactive depression to the conditions and neurobehaviorial symptoms.    Medications Taken and Side Effects:  N/A

Mitigating Measures or Assistance Devices Utilized and Degree of Effectiveness in Reducing Functional Limitation and Effect of Medical Condition on Major Life Activities, Description of Impact and Duration:

Injured worker needs ongoing psychotherpay and cognitive remediation.  Ongoing Rx for neurobehaviorial symptoms as per Physiatrist. Patient has problems with money management at this time, however, is independent with all other ADL’s…..  [Physiatrist recommended treatments and further evaluations were never authorized after initial consult.  Initial consult did result in non-revocation of driver’s license after unfounded report by neurologist with a specialty in epilepsy and fibromyalgia (neither of which IW suffers from), not TBI, saga for another blog]

State Whether Employee Can Perform the Tasks in the Job Description in light of Medical Condition and identify any applicable restrictions and duration:

#Responsibility – will have difficulties with training and development and remembering information to convey to others…

Knowledge and Skills – patient will have problems tracking with company policies and procedures.  Patient may also have problems with organization.

Identify Any Accommodations that Would Enable the Employee to Perform the Tasks that the Employee’s Medical Conditions Precludes from Performing 

Modified duty – performing rote and repetitive tasks that do not require major decision making or constant interaction with the public.

See more:

As to the $27,000+, Stewart again reiterated that nothing I say will encourage him to look at the documents I provided in summary to the multiple requests for medical expenses as far back as 2012, medical miles to PTP, co-pay for the EAP directed doctor, treatment requested by physicians and utterly ignored by Grancell attorney Kim Mall which I then self-procured, and she interrupted with threats to the doctors.  Is there no law against bullying injured workers??     When I look for the TTD TERMINATION,  I will look for the summary again, and send it to you.  The Audit Unit has copies, and while Stewart likes to say it’s all about ‘self-procured medical care for disputed body parts’…. the evidence, had he been willing and able to read it, will clearly show that’s not the case.  For a fast fact check, see when the last time you paid me for medical miles to Dr. Darren Bergey and Dr. Hilda Chalgujian.   Start there, and you’ll see a pattern.

You also mentioned that if SCRIPPS was not authorized for further treatment (which is was not, and again, they refused to review all the medical records I provided, and did not even have the SCRIPPS discharge records… omission of medical records with intent to deny medical care, or just another oooops??)  Anyway…you mentioned, local providers you would recommend are at Eisenhower, Loma Linda or Casa Colina, for speech therapy for high level executive functions, vision, occupational and vocational therapies, but you did not provide the names of any such providers.  Further, clearly you are unfamiliar with my file, or you would see that I have treated at Casa Colina, their Medical Director, Dave Patterson, organized by Daniel Elliott and Attorney Michael Durich (#2) sent me there for an evaluation and to debunk the request by Dr. Waldman to revoke my driver’s license in April 2012. I went to that appointment expecting a complete evaluation for their Brain Rehabilitation Program, and I got a 15 minute evaluation and Dr. Patterson filled out the DMV papers and said I was cleared to drive.  He also referred me to Dr. Eric Ikeda, their Neuro-Optomestrist.  I never saw a report on that meeting, I never was sent to Dr. Ikeda by PTP Marcel Ponton, QME, and in fact, only saw Ponton’s side-kick, Dr. Chung, for 4 session of psychotherpay  (those may be some of the unreimbursed medical miles, too from 2012, we’ll have to look, it was a 2+ hour drive.)   When I requested medical records, I saw there is a notice that I saw Dr. Patterson of Casa Colina in October 2012, which is false. It is a fake part of the medical records index of Ms. Mall.   I did, however, self-procured medical evaluation and treatment with Dr. Patterson in April 2013, but alas, he lost my file, never wrote a report, and refused to see me again.  However, he did refer me to Dr. Ikeda, wherein I received a prescription for the first treating theraputic lenses, and some Vision Therapy, that Ms. Mall also interrupted.   Experts that I have spoken to find it very curious that there is a false notice of a patient meeting with Dr. Patterson, his abrupt loss of my files, failure to provide the promised, and oh yeah, he had recommended me for 3 months at their Brain Injury Rehab place in 2013, and they take work comp.   WHAT DO YOU THINK ABOUT THAT??

I will look for and try to finish the schedule of physician request but attorney denied medical treatments since 2012.  While Stewart thinks it’s not his job to help me get medical care, and he insists that he and his firm have nothing to do with whether or not I get medically necessary treatments for accepted body parts, including my brain, that just makes me wonder if he is suffering from a brain injury, too, or if it’s genetic.

Anyway, oh oh….. Do you read WorkComp Centeral blog?   Guess who they wrote about recently?  Yep!  Let me know if you want the link….. it’s the one about Work Comp and Baseball…..  ahhh, 30 seconds and fame on social media…..  I hope that guy, Jack from the LA Times calls you and Stewart for some of his investigative reporting…

He looks like he is unfraid of deep digging….goodness, he even suggested that some LA Police and Firefighters fake work comp injuries.  I had to comment that as a Citizen, I suspect they are made to wait and wait and wait for medical care just like the rest of us, while the profits are squeezed as the life is squeezed out of us.

Ok, that’s it for me for now.  I think the summarized points brings us up to date.  Still on my action list for you is:

  1. Send you the summarized spreadsheets for the way past due $27,000+
  2. Keep working on the PROPOSAL FOR SETTLEMENT (dropped to the bottom of the pile with Stewart’s continued bad faith and breach of fiduciary responsiblites)
  3. Keep trying to make any ally out of you, since your Fraud guys told me that’s the way to go.  But golly, I’m insured by you guys, why do I have to try to make an ally out of you. I’m not the enemy.  Grancell is.


Linda Ayres, IN PRO PER

760 368 5243

PO Box 835

Yucca Valley CA 92286

cc:  Mary Falvey, Wyndham Worldwide Human Resources Executive VP

Tina Jordan,  Wyndham Worldwide Human Resources – Regional Director

Melisa.Paramo Wyndham Worldwide – Manager, Indio, Palm Springs and Big Bear

Wyndham Leave Support

PS Note to Wyndham:  PLEASE ADVISE THE DATE OF THE INDIO SALES EXECUTIVE TRAINING IN NOVEMBER.  The accommodation request form was      submitted by me, and delivered to Dr. Chalgujian and Dr. Bergey, anticipating further discussion and commencement of the Interactive Process, thank you.

cc:  Jack Dolan….  PS  You and your article were mentioned in the Ask About Workers Comp Gravy Trains blog:   😀  You’re welcome.   BTW, Do you know Larry Kosmont?  I used to work for him.  He’ll probably say nice things about me, and how smart I was and how I was a great “right hand” to him and his.   Peter and Stephen Lowy might remember me, but I did, at the end of my assignment as Executive Assistant to the Chairman of the Board, I help his Dad and Mum run their households in Beverly Hills and NYC, and I coordinated logistics when they flew in on their 747 or were off in the Mediterranean on their yacht.  It was at the time they were buying up shopping centers in the USA.

cc:  Wyndham Worldwide Media Contacts     –,,,,,,

cc:  John Araby  – National Association of Injured and Disabled Workers



—–Original Message—–
From: Steven Acevedo <>
To: Linda Ayres <>
Cc: RSLI-Stephen Buch <>
Sent: Fri, Oct 3, 2014 7:57 am
Subject: RE: Linda Ayres REINSTATEMENT OF LTD Status of Money?? Policy LTD 121329 Claim 2012 11 13 0149 LTD 01 N

Hello Linda,


I’ve received your request and forwarded to our recalculation department for review.  Please note that we would need an actual award notice / termination notice from your workers’ compensation carrier indicating you are no longer receiving the $649.41 / wk.  As it stands it appears that you continue to receive the $649.41 / wk (2,814.11 per month) and that offset would still apply.  Once the overpayment is recovered, you would only be entitled to the $100 per month minimum benefit unless a termination of benefit notice is received on the workers’ compensation carriers’ letterhead.



Steven Acevedo

Integrated Claims Examiner



Phone: 877-315-9838 ext. 40235

Fax:      914-784-0025




NOTICE:  CONFIDENTIALITY AND PROPRIETARY INFORMATION NOTICE: This email, including  attachments, is covered by the Electronic Communications Privacy Act (18 U.S.C. 2510-2521) and contains confidential information belonging to the sender which may be legally privileged.  The information is intended only for the use of the individual or entity to which it is addressed. If you are not the intended recipient, you are hereby notified that any disclosure, copying, distribution or the taking of any action in reliance of the contents of this information is strictly prohibited.  If you have received this electronic transmission in error, please immediately notify the sender by return e-mail and delete this message from your computer or arrange for the return of any transmitted information.

From: Linda Ayres []
Sent: Friday, October 03, 2014 10:06 AM
To: Steven Acevedo
Subject: Fwd: Linda Ayres REINSTATEMENT OF LTD Status of Money?? Policy LTD 121329 Claim 2012 11 13 0149 LTD 01 N


Hi Steve and Steve….


Any chance you can update me on the status of the reinstatement of my LTD $1800/month today. Panic is not a good mode for my brain functions.


FROM CNA/FRED SACHS:  9/23/14:    Linda,   Per your request below are the periods we have paid temporary disability.  In response to your question regarding reserves, we do not discuss the reserves placed on a file with the injured worker or their legal representation if represented.   1-9-2012 to 4-15-2012 temporary disability at rate of $652.15 per week 2-15-2013 to 5-8-2014 temporary disability at rate of $649.41 per week   Reimbursed EDD for period of 1-28-2012 to 3-4-2013 for a total of $31,400    Fred Sachs, CRIS MCU WC Claim Specialist 714-674-5886 FAX: 714-256-7630



Till then, I have bills due now.


Thanks much.  I need to know so I can plan.  (I’m looking for Steve A’s phone number and will follow up with phone call when I find it.  Plllllllease advise. Thanks.



Linda Ayres, IN Pro Per

760 368 5243




—–Original Message—–
From: Linda Ayres <>
To: steven.acevedo <>
Cc: Stephen.Buch <>; reolinda <>; wynlinda <>; lindaayres <>
Sent: Tue, Sep 30, 2014 7:22 am
Subject: Linda Ayres REINSTATEMENT OF LTD Status of Money?? Policy LTD 121329 Claim 2012 11 13 0149 LTD 01 N

Hi Steve and Steve…


Do we have any word on the status of my $1800 a month, based on the info below?  Bills are do again and I’ve been “holding on” with a hard-core “extend and pretend” strategy since July.  I am reaching the panic point again, or went over the edge upon early termination of SCRIPPS care.



Could you kindly let me know when my LTD benefits will resume, and if there is any retroactive money coming to me, and when.  If it’s NOT cominig, or there’s an issue, please just let me know.  I will be in touch with Advocator to get additional records to them.  If they do their job and help me get Social Security approval, I can rest a bit and get treatment subsidized by the State or the Military, whoever is behind the program I just found.  Link below.




Bills are due tomorrow.  If I know funds are  coming, I can enroll in the Coastline Brain Injury program that starts October 20, 2014 (for 1-2 years) and could live frugally and get cognitive rehabilitation if I can count on that $1,800, and they I will fight like hell with CNA after sufficient rehabilitation, in a year or two.   They apparently have no intentions of reimbursing my $27K spent for medical care they refused to provide, and they figure the State of California negotiated away my rights and gave them a fat $20K profit, so too bad how sad for me…. Call the Department of Insurance and register another complaint.   D’oh.


I need to know what the status of my money is,amounts and when.


I see Dr. Hilda this morning, it would be great if I had a clue about the Matrix/Reliance before my 10:30 appointment with her.  She knows I am seeing one of your doctors October 27 for further evaluations. It’s marked on my calendar.



Also, I need to know because I am trying to get accepted into a one-to-two year brain injury treatment program, with or without CNA.  There’s no reason for me to believe they will do right now, as they have done such wrong all along, and they interrupted the SCRIPPS Brain Rehabilitation Program.  It’s on appeal, and word is expected by the end of the week, on an expedited basis.


(I got a call “from Chicago”   :/   that suggested I had mis-directed my recent complaints of FRAUD, and suggesting that I make nice with the adjuster and be a little more patient….   0.0


So I tried it again….with a short sweet polite plea for help to get into the Coastline Community College Acquired Brain Injury Program, a 1-2 year plan, that starts October 20, 2014, and would require that I relocate, or at least having lodging for 5 days a week till I get relocated. Fred said he couldn’t authorize it, but he can submit it if one of my doctors requests it…. My goal is to have two of my doctor request it, and at Coastline, they encouraged me to get “as much of SCRIPPS that I can” before coming to them.


Here’s the link:



Thanks Steve and Steve…….

Linda Ayres


—–Original Message—–
From: Linda Ayres <>
To: Stephen Buch <>
Cc: steven.acevedo <>
Sent: Tue, Sep 23, 2014 1:07 pm
Subject: Re: Fw: Linda Ayres vs. Wyndham Worldwide et al Policy LTD 121329 Claim 2012 11 13 0149 LTD 01 N

Thanks Steve and Steve!!!!

Please let me know bottom line Asap.

I am working on not only Return to Work (against doctor opinions) but only a Proposal for Settlement.

Failing that, it will be full on fighting…

Wish me luck!!!!!

Worst case scenario seems to be I try to return to work and fail, and keeep moving forward. I assured them I am NOT going to Foodbanks so they can collect big checks over my injured body.

I hope its nearly over.

Many thanks to you both for all kindness nd patience.

Linda Ayres, In Pro Per

All nuclear reactors leak all of the time.
“Start with the Science.”

We are the Media Now.

From: “Stephen Buch” <>

Date: Tue, 23 Sep 2014 15:34:47 -0400

To: <>

Cc: <>

Subject: Re: Fw: Linda Ayres vs. Wyndham Worldwide et al Policy LTD 121329 Claim 2012 11 13 0149 LTD 01 N


Hi Linda,


Steven Acevedo would be the examiner handling this. I’ll forward this email as well as the other to him.

Kind Regards,


Steve Buch

WOP/AO Claims Examiner

2001 Market Street
Suite 1500
Philadelphia, PA 19103-7090

Work: (800) 351-7500 ext. 3908

Fax: (267) 256-3535

>>> “Linda Ayres” <> 9/23/2014 3:18 PM >>>
Hi Steve,

Based on CNA statement of what they paid, can you now reinstate my LTD benefits and if so, how sooon??

Please let me know as soon as you can.

I may get to do a trial Return to Work soon…and I need to do the math.

Thanks a bunch.

Linda Ayres, In Pro Per

PS Just had a pretty good meeting with Wyndham HOUR regional Manager and Director.

——Original Message——
From: Sachs,Fred
To: Linda Ayres
Cc: Stewart Reubens
Cc: Stephen Buch
Cc: Sachs,Fred
Subject: RE: Linda Ayres vs. Wyndham Worldwide et al Policy LTD 121329 Claim 2012 11 13 0149 LTD 01 N
Sent: Sep 23, 2014 11:11 AM

Linda,   Per your request below are the periods we have paid temporary disability.  In response to your question regarding reserves, we do not discuss the reserves placed on a file with the injured worker or their legal representation if represented.   1-9-2012 to 4-15-2012 temporary disability at rate of $652.15 per week 2-15-2013 to 5-8-2014 temporary disability at rate of $649.41 per week   Reimbursed EDD for period of 1-28-2012 to 3-4-2013 for a total of $31,400    Fred Sachs, CRIS MCU WC Claim Specialist 714-674-5886 FAX: 714-256-7630
From: Linda Ayres [] Sent: Thursday, September 18, 2014 2:32 PM

To: Sachs,Fred Cc: Tina R Jordan; Stewart Reubens; Stephen Buch; Linda Ayres; Linda Ayres; MBX – WVO Center Subject: Fw: Linda Ayres vs. Wyndham Worldwide et al Policy LTD 121329 Claim 2012 11 13 0149 LTD 01 N

Hi Fred, Below is an e-thread with LTD provider regarding income. They need to know if you will be resuming TTD retroactive or the actual dates paid and stopped. I will let Steve Buch know thaat Scripps was terminated but not completed, and is on apppeal and that discharge records are anticipated next week. By the way, what is the reserve on my claim? I don’t have the marbles to sort out the TTD money stuff on top of all else. I am in full survival mode and will be working on that “Proposal for ReSolution” for you and Stewart plus accommodations and interactive process. As you check on the TTD money and calculations, this reference to the letter from Daniel Elliott may shed some light. “And I found a letter from CNA dated 4/21/2014 indicating “Payment for temporary disability is resuming and sent separately for the period starting 02/14/2014 through 4/24/2014 and will continue until you are able to return to work or your medical condition becomes permanent and stationary.  Your weekly compensation rate is $649.41 based on your earnings of $1 per week…..”    (His calculations are aopparently purposely off and were off-set by EDD for the period they did pay.  )….” If you could put

All nuclear reactors leak all of the time.
“Start with the Science.”

We are the Media Now.

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Nominations and Gratitude for WorkComp GOOD GUYS AND GALS – CompLaude Nominees of 2014 by Injured Worker Ayres

“Please explain why you think these providers deserve a Comp Laude Award.”

[Last edited on October 13, 2014 at 2:32 pm — principles still apply; These were MY Nominees for #CompLaude Awards 2014; Deadline for YOUR 2015 #CompLaude Nominations is August 31, 2015 — LOOK, THINK, DO…. ]

“IMPORTANT NOTE: The information you provide should illustrate specific examples of why you think the nominee is deserving of an award. This portion will be reviewed by our judges who will apply a score based on the substance of your answer. Information is subject to verification by WorkCompCentral staff or assignees.”

WorkCompCentral Comp Loud Awards


Don Risser, Licensed Acupuncturist of Hi-Desert Acupuncture Center,

Serving the Hi-Desert since 2000

is a very knowledgeable, practical, pragmatic, kind, thoughtful acupuncturist, with a strong practice in Chinese medicine, and a strong background in law. He works by appointment only. Acupuncture is all about the brain and the body systems.

Traumatic Brain Injury seems to short-circuit all body systems; acupuncture is a tangible, measurable healing modality.

I found Don Risser upon referral by a local real estate broker in August 2013, who listened over coffee to my tale of horrors in regards to the failure of my employer and it’s agents to provide immediate, reasonable and necessary care for a brain injury and related orthopedic injuries since 1/9/12.

(In the first year of the injury, I found a local acupuncturist and saw her twice, and she relieved some brain fog and some neck and back pain, but it lasted just a few hours. Then attorney allegedly representing me, demanded that I could not see her, and that he was responsible for getting me to the right doctors. He never did. I dismissed him in November 2012 when he attempted to coerce me to accept a premature settlement offer, without having seen the recommended specialists and without having benefit of recommended treatments.)

When I first met Don, I rambled in my dysfluent, sometimes incoherent cognitively impaired way, and told my story as best I could that August 2013. I concluded my story-telling with, “So. Do you think you can help me and if so, how??!!!” He gently, in a real Zen-type way, assured me that by using the principles of Chinese medicine, he was certain that my conditions would improve.

Today, I still ramble, but with more fluency and more coherency, and much less tangential-ism.

While I am still absolutely outraged about WorkComp in America, I also attribute nearly weekly acupuncture sessions with Don for re-directed range and inner peace and courage and hope.

I never quote him exactly right, but what I do know is that he was absolutely right, and the results for the improvements in my vision (from self-procured neuro-optometrist in 2013 to self-procured-optometrist in 2014, there were remarkable and measurable improvements in vision, along with speech, depression, and neck and back pain.

Since treatment had NOT been authorized by the WorkComp insurance carrier for my injuries, only evaluation after evaluation, disregarding all physician requests, the only progress to my healing could be attributed to self-procured care. Don is the only provider I have seen consistently, without interruption by or threats from the Defense firm.

In late 2013/early 2014, 6 sessions of acupuncture were finally authorized for treatment of the right shoulder rotator cuff tear (not diagnosed until mid-2013, when physical therapy was finally authorized). It took a Court Hearing and Order to convince the carrier and defense to schedule the acupuncture, and they tried to isolate it to JUST THE RIGHT SHOULDER (even though they objected to the right shoulder as a ‘body part”…although the defense had included it in the premature settlement C & R.)

I had already been seeing Don for relief and healing. Acupuncture is a holistic treatment, and while Don followed the orders for treating the right shoulder, other body systems benefited secondarily.

The company making the appointments wanted to send me to a different acupuncturist, far from home, for the 6 sessions, for the right shoulder only. At my request, they called Hi-Desert Acupuncture and spoke with Don, and apparently he was approved. He helps many work comp injured people, and is apparently a part of many networks, just not the one alleged to exist at my carrier. I believe 12 more sessions were authorized, as the improvements to not only my vision and speech were measurable, but also the pain levels of the right shoulder rotator cuff and ranges of motion were measurably improved.

Of all the visits I have had with Don, most have been paid for out of pocket. He has listened to me whine and cry and babble about the horrors of being abused in the workers comp system, by the carrier and the defense firm, and pure silence from my employer. He has always been kind and non-judgmental, and often providing a short paradigm shifting thought of courage and healing and freedom.

When I was got new neuro-optometric prism lenses, again self-procured due to waiting more than 2 years for the carrier to provide the often requested help, I splurged and used my last few hundred dollars to pay for the new glasses, knowing another disability check was coming. No check came. In fact, a notice of another illegal interruption of benefits arrived. I had a credit on my account with Hi-Desert, and I will always remember his kindness when I cried that I had NO MONEY left and that again they had begun with the financial terrorism. He came back to the treating room and handed me the credit money from my account, so that I could get food.

I am so grateful to Don Risser, for so many reasons, and most of all for the light and wisdom that he powerfully holds and freely and so generously shares. He is a true member of the healing communities and honors the rules to DO NO HARM.

Yucca Valley is near the 29 Palms Marine Base….. We have many returning soldiers suffering from consequences of Traumatic Brain Injuries, and many just written off with a simple “PTSD” diagnosis and some drugs to keep them calm and quiet.

Don has proven to me that acupuncture is a powerful treatment for TBI. I know the VA is aware of the some of the benefits, and that DAARPA is doing a great deal of research. Let’s get #WorkComp on board with acupuncture as a first line of defense, not a last resort.

Just think, if Charles Romano had found a good acupuncturist rather than the cut ‘n poison route he took, probably at the demands of his attorney, he might still be alive, may he rest in peace and know he is not forgotten. When the Orthopedic Doctor in my case saw the MRI’s in mid-2013 for my right shoulder injury, he urged surgery. “Charles Romano” flashed in my mind. I said, “Not now. Let’s deal with my brain injuries first, then I can make an informed decision.”

The body is designed to heal itself. Acupuncture is a way to facilitate such healings. Don Risser is a bright light in our community, and a gift to any injured person seeking assistance with healing.

I wish injured workers throughout the USA the joy and benefits and blessings of finding an acupuncturist with the skill and will-to-good as great as Don Risser! Thanks Don! What goes around, comes around; much good coming back to you and yours! xoxooxxoxo



Work Comp Nominations 10 12 2014





Dr. Hilda Chalgujian, an extraordinary neuro-psychologist,

normally treats and diagnoses patients with head traumas outside of the world of workers compensation. She is kind, energetic, extremely knowledgeable about the brain, the various lobes, the symptoms and consequences of damage to the lobes, and it seems that she is knowledgeable about the intricacies of even each little neuron and neuro-pathway. She is a scientist.

I found Dr. Hilda after the designated primary doctor, an Orthopedic Surgeon, designated by the Work Comp people to manage specialists, finally said, ‘as you can see, they will not authorize anything I request for brain injury specialists; you’ll have to find your own’.

I made many calls to many doctors in Southern California, and one name kept coming up, Dr. Hilda Chalgujian, as the one who knows the most about brain injuries. In our brief conversation in scheduling an appointment, it was apparent she could tell by my speech patterns that I was in need of help. I told her I didn’t know how I would pay her, but that I would find a way. She told me she would help me, because it was the right thing for her to do, as a doctor. Miraculously, the defense designated her as the secondary treating doctor, and an exception to their alleged MPN network.

I have been seeing Dr. Hilda nearly weekly since April of 2014. Her validation of my concerns and cognitive complaints has been helpful.

At our first session, I was a little early and she was a bit behind schedule. With a brain injury, I am easily overwhelmed, particularly in new circumstances. The door was locked, there were painters in the hallway, and I was very confused if I was in the wrong building, wrong date, wrong time…. so… I sat on the floor and cried hysterically when I dialed her number and got voice mail. Within minutes, she arrived, saw me sobbing on the floor, and we walked in to her office as if nothing strange had just happened. Partially through the session she paused and said, ‘you know, that little incident out there with you sitting on the floor is not unusual for a TBI survivor’… I gasped and said, “OMG, and I do it more and more. I even did it after leaving WorkComp Court, and the Judge kindly helped me to my car, and made me promise not to drive till I pulled myself back together. It’s socially quite challenging…..”

Dr. Hilda did hours and hours of testing (she didn’t delegate it to an assistant or colleague, she administered every test). She then poured through and evaluated medical reports since 2012, at the insistence of the defense, and summarized them all, and pointed out flaws in a few, and confirmed the findings of the early neuro-psychologists I had been evaluated by, and reiterated recommendations for treatment.

Dr. Hilda did not sugar coat any promises of much improvement because of the harsh facts that I was not treated immediately, or within the first two years, but she did offer hope with a small window, if we could get treatment, I could benefit with some compensatory strategies and improvements. In April 2014, she requested 6 months of inter-disciplinary treatment in a facility such as SCRIPPS, Casa Colina or Learning Systems or CNS. Sadly, the carrier wasted time, and then authorized only 16 days starting August 4, 2014, with an additional 8 days at the SCRIPPS BRAIN REHABILITATION PROGRAM in Encinitas, in agreement with Dr. Michael Lobatz, Scripps Chief of Staff and Neurologist. While the 24 days at SCRIPPS were beneficial, they were certainly not sufficient for the work ahead to get me to MMI, with sufficient strategies to return to work, in some capacity.

Additional MRI for TBI protocol was performed, further confirming suspicions and earlier findings of doctors, and Dr. Hilda’s comprehensive indisputable report was nearly 40 pages in length. Was it enough to encourage the carrier and defense to finally provide reasonable and appropriate medical care? No. The fight wages on.

Dr. Hilda has helped me come to grasp with the fact that yes, I am a high IQ TBI survivor and yes, I have severe brain injuries and sadly, because my employer and it’s agents failed to provide medical care impeded self-procured medical care, this is my new reality. The defense delayed, denied and deceived continuously during the time of the small window left for treatment this year, dashing hope for much more improvement outside of compensatory strategies that can be found with neuro-vision therapy, speech therapy with cognitive remediation for high-level executive functions, occupational therapy, and related medical devices such as theraputic prism lenses, and hearing aids and contining neuro-psychological therapy. This apears to be my new reality, harsh as it is.

We are still working on getting authorization for the one-to-two year Coastline Cognitive Rehabilitation Program in Newport Beach, with return to work accommodations. The fact that Dr. Hilda has not given up in the face of all the chicanery, help me keep going too.

Dr. Hilda has helped me to see that in spite of my injuries, I’m still smart, and I can still think, and although my muddling with the written word annoys the heck out of some people, it is a valid compensatory strategy for my loss of cognitive abilities…. While I cannot speak like I can type, that, too, is getting better and better, one breath at a time.

I am so grateful to Dr. Hilda for her Work Comp Nominations 10 12 2014will-to-good, for the sake of doing good, and for her support and wishes to see me return to work in some capacity, and to move forward in my new life. She is not a ‘work-comp-mill’ doctor, and does not have templates to fill in on how her patients are doing. She is a real doctor, concerned about her patients, and willing to go the extra miles, as if lives depend on her to do so.

Anyone with a brain injury would be blessed to have Dr. Hilda Chalgujian as a treating doctor, as I feel I am.





Nancie Glidden- Learning Services – Brain Injury Rehabilitation

Business Development Liaison | Learning Services – Southern California Campus – Escondido
T: 760-746-3223, x5104 | F: 888-427-4572 | C: 858-357-3000
Nancie Glidden is a friendly face in the world of Workers Compensation. I first met Nancie when I was blessed to be granted a guest pass to visit the Exhibit Hall of the CAAA Winter Conference in Rancho Mirage. She graciously gave me information about her company and wished me well. She also introduced me to a few other kind providers with booths at the conference. She followed up to see if there had been any happy resolutions to my horrific battles.

I saw Nancie again at the SCRIPPS 9th Annual Brain Injury Rehabilitation Conference in San Diego. Again, she was a her both, sharing light and joy and all good things of hope and compassion and concern. She again followed up to see if there had been any happy resolutions to my horrific battles.

As delays and denials happened with the defense and carrier to prevent me from being admitted to the SCRIPPS Brain Rehabilitation Program, I called upon Nancie to see if her Learning Services organization could accept me since I finally had a medical report and expert doctor saying, ‘yep, her brain is injured and she can benefit by treatment, even at this late stage’….. and Nancie cheerfully put me in touch with the right people. She followed up to see if there had been any happy resolutions to my horrific battles, and I was glad to be able to say that I was starting for a short time at SCRIPPS. She wished me well.

At the recent CWC- Dana Point/St. Regis conference, I had opportunity to meet with a few wonderful people of the Work Comp world, and I was able to quickly browse the Exhibit Hall. Nancie’s booth was there, but she must have been in the conference, as it was late in the day.

The CEO of her firm spoke at the SCRIPPS conference and indicate many of the challenges of a head injury, and she said, if I heard her right, sort of tongue-in-cheek, ‘….so, if you ever get a head injury, get it at work because then work comp is responsible for your life time medical, and it will be huge….’…. We would have to agree to disagree on that point, because if it wasn’t for the horrors of WorkComp, my injuries would likely be substantially less, and I might have returned to work in that first year.

Maybe we’ll reconvene at CAAA Winter 2015. I have asked them if they will kindly create a new category for INJURED WORKERS, in Pro Per, with at least an Exhibit Hall Pass, and a session or two, or even a buddy – system to connect injured workers directly with providers.

As to Nancie, as I racked my brain to find people to be grateful for in this workcomp terror, Nancie Glidden is a bright spot in my search for help, kindness, compassion and resources. I wish her well, and I say her company is very very very fortunate to have such a bright spokesperson at the various events.




Lynn Lowell, O.D., F.A.A.O., F.C.O.V.D.

Assistant Professor

Community Vision Care Coordinator

Pediatric and Vision Therapy Department

Marshall B. Ketchum University

Southern California College of Optometry

“Excellence in Patient Care, Clinical Education and Research”

2575 Yorba Linda Blvd.

Fullerton, CA 92831

Phone No. (714) 449-7490

Fax No. (714) 992-7846
It was another miracle to find Dr. Lynn Lowell. In my search for a neuro-optometrist, since the Defense had failed to authorize treatment in the first year of my injury, and interrupted such treatment self-procured in the second year, by early 2014 I knew I had to get some help for my vision if I was ever to return to real life, outside of my home.

I checked the NORA site, , Neuro-Optometric Rehabilitation Association, “Providing the Missing Link to Your Recovery” for a local provider. Through a series of calls, I found Dr. Lowell and sent her an email, since email is easier than speaking for me. She was so kind, smart and generous with her responses, and I was able to schedule an evaluation with her within a couple of weeks.

Dr. Lowell trains new optometrists regarding brain injuries and vision, and has a background in workers compensation in other states as well. Her expertise in neuro-optometry is unparalleled. The testing was very comprehensive, and included what seemed to be neuro-psych testing as well, and the prescription for readers/distance that I had self-procured from another neuro-optometrist the year before, who’s care was terminated by the defense, was replaced with progressive prism lenses, that opened up my world, and allowed me to leave the house for more than just a doctors appointment.

Because Ketchum University is a teaching center, sending new doctors out around the nation, the costs are relatively low, and the doctors are able to spend real patient time. Their vision therapy equipment is state of the art, and it’s a great place, doing great things, helping people to see and live. Dr. Lowell is a key component of their TBI program.

Dr. Lowell’s scientific understanding of the brain is stellar and mind-bending. In my opinion, she could teach WorkComp neurologists a thing or two about vision and brain trauma, and I hope she will be invited to speak on the WorkComp circuit, particularly as brain injury becomes more ‘mainstream’ and people begin to take better care of their children, and anybody with a brain injury.

While Dr. Lowell made no promises that my speech would improve with the theraputic prism lenses and vision therapy, she did mention that several of her patients do present with many improvements in all areas of cognition. The results of Dr. Lowell’s testing showed some improvements from the prior year’s exam by another doctor, and I attribute that to acupuncture, self-procured. Dr. Lowell indicate that it would take a good 30 days for my brain to adjust to the new way of seeing through the prisms, and that vision therapy would be of even greater benefit.

The blessings of having found Dr. Lowell, and her staff, and getting these new lenses has give me life again, and the will to fight back, and the ability to see better, process information better, and stand taller, and speak more clearly, and just generally, begin the journey back into my life

Neuro-Optometry is a key component of brain injury rehabilitation, and the carriers would do well to court doctors in the NORA group, such as Dr. Lowell, who have current, state of the art information about vision and brains, unlike that sad majority of WorkComp old-school neurologists, working from bodies of information from their school days.

I suggested to Dr. Lowell that we will have to write a book about WorkComp and Brain Injuries and Vision. Perhaps combined with the Neuro-Psychology input of Dr. Chalgujian and Acupuncture of Don Risser, and if we ever get any designated Speech/Occupational therapists on board for the long run, a solid book could be written, based on my case and all the mis-haps of it, so that no other brain injured worker will have to endure the horrors I have within the WorkComp System.

If work comp wants to be a positive force, finding and keeping good doctors in the the provider resources would be a good step forward; Finding a way to eliminate the defense lawyers would be a next step….several could be relocated to local penitentiaries, imho, after proper trials, of course.

The only real treatment I have received, with the exception of the short time authorized on multiple appeals at SCRIPPS, has been self-procured care, with kind and knowledgeable experts, such as Dr. Lowell, or “authorized exceptions” because the alleged MPN had no specialists.

Dr. Lowell’s approach to brain and vision seems a bit like “magic”…but it’s sheer science.






Hey, is there anybody in this group who knows how to file a #WorkersComp class action suit ???

LUCY OCCUPY answered a question 30 minutes ago Wha - 439249702753572

 [Last edited on April 1, 2014 at 5:07 pm]

Hey, is there anybody in this group who knows how to file a WorkersComp class action suit (or knows people who know people to file a class action suit) on behalf of injured workers in America, subjected to medical and financial terrorism, unabated fraud by doctors and lawyers owned/leased by the insurance companies?The case would start with Defendants WyndhamWorldwide and affiliates, CNA Insurance/ American Casualty, Grancell Stander et al law firm, WCAB, EDD, State of California office of the Controller, Offices of the District Attorney, and certain applicant attorneys and certain insurance company QME/AME doctors for complicity in frauds and others defendants, as necessary.

The initial focus would be BRAIN INJURED WORKERS, AND ADA VIOLATION by fraudulent patterns and practices of defendants, but would include all injured workers harmed and ultimately killed by this …. insurance company killing machine.

Lucy has spoken with Super Lawyers and New Lawyers since January 2012, and all levels of expertise and incompetence between. Lucy has spoken with many many many injured workers, and doctors and lawyers who have been injured by this system, and doctors who are afraid to participate in workers comp patient treatment for fear of being unpaid and for the financial and administrative chicanery of dealing with the organized crime groups that everybody seems to know about, but few talk about.

Hats off to ‪#‎DavidDePaolo‬ for his ‘politically correct’ touching upon the criminality that permeates the WorkComp system in California, and beyond.

So, Lucy will organize class action participants. Scott Bloch, Esq. of CA and DC may be willing to handle the class action suit, and Lucy needs help to prepare to ‘take this to the streets’ and create an initial California team of attorneys and injured workers and real doctors to participate.

So, until an injured worker is exposed to this vile system, there is no frame of reference for the depths of criminality an injured worker is exposed to, without, apparently, recourse of assistance. SOMETHING MUST BE DONE NOW. LET IT BEGIN WITH ME. I DO NOT HAVE THE RIGHT TO REMAIN SILENT.

Like Eienstein says, “Those who have the privilege to know HAVE THE DUTY TO ACT”….. So. I hope to hear from you soon.


#WyndhamWorldwide WAGES WAR OF ATTACKS OF MEDICAL AND FINANCIAL TERRORISM ON INJURED WORKER, IN ABSOLUTE VIOLATION OF LAW AND CORPORATE RESPONSIBILITY??? </p> <p>It's time for an Injured Workers in America--> CLASS ACTION SUIT. If you're one, or know one, let's connect, on and off fb. 'Freedom's just another word for nuthing left to lose....'</p> <p>Lucy Occupy Says... #OccupyWyndham! THOSE 'FREE-GIFTS FOR ATTENDING A TIME SHARE PRESENTATION CONTRIBUTE TO MAIMING AND DEATH OF INJURED WORKERS, AT LEAST ONE, AND PROBABLY THOUSANDS ACROSS THE NATION. </p> <p>MAYBE THE #CAAA -- California Applicant's Attorney's Association--- can set up a third-world type micro-loan program for disposed of workers from Wyndham and other Big Companies----while the fraud of the doctors and lawyers involved in the maimings and killings is investigated?? AMERICA. #WorkComp is Fraud. STOP IT NOW. </p> <p> ""As one of the largest hospitality companies with more than 100,000 locations in nearly 100 countries, we have an ever increasing opportunity, and responsibility as a corporate citizen, to be a leader in reducing our impact on the environment," said Faith Taylor, senior vice president of sustainability for Wyndham Worldwide. "</p> <p>YEAH, THAT' S NICE, BUT WHAT ABOUT WORKERS INJURED ON THE JOB AT #WYNDHAM? </p> <p>Where's the "Corporate" responsibility or human compassion from any bottom-to-top level management??? </p> <p>Rather than corporate responsibility, a Wyndham Employee is subjected to #MedicalTerrorism and #FinancialTerrorism by the Wyndham Corporate Goon Squads, with the support and collusion of the State of California? Ought to be some law enforcement, huh? #OccupyWyndham.


  • FB Poster and FB Poster like this.
  • Lucy Occupy #TBI OPPORTUNITY…. Stop by Susan’s fb wall:“Here is an opportunity that you do not want to miss. My book, Brain Injury Advocates, is free for download from the Kindle bookstore this weekend.”

    (Although it is in the Kindle book format, it may also be possible to download the book to a computer.)

    “The book is about the brain injury human and civil rights survivor movement. It is about the Brain Injury Network all-brain-injury-survivor-advocacy nonprofit organization. BIN is the first organization dedicated to advocacy by and for our brain injury community.”

    “The book covers our survivor community’s rights, issues, problems, and priorities. This book contains many citations and an extensive index. Please share this information. Thank you. Sincerely, Susan C. Hultberg, tbi survivor (1985) ”…/B00AQ5DTG6/ref=tmm_kin_swatch_0…

  • FB Poster:   Welcome to America land of opportunity for a few
  • Lucy Occupy There ought to be some law enforcement, huh? Makes the days of Al Capone look like kid-stuff….  Before they ‘get away with murder’ Lucy intends to do some serious screaming and hollering, with or without the help of thelegal community…  WE ARE THE MEDIA NOW… DOJ has assigned an investigator to help “Lucy’s friend”…. we’ll see how that works out….
  • Lucy Occupy PS… If only the DA’s office could be interested in dealing with some allegations of pretty hard-core, common fraud…. might save a few injured workers lives, imho. More here…

    Ask About Workers Comp Gravy Trains is a page for, by, and of the Workers of theSee More
    Community: 90 like this
     flag distress signal

    #MicCheck #LucyOccupy Kicked to the curb by a fb group alleging to exist for the purpose of what?? Oh, I see I was removed from the group Injured Workers Law & Advocacy Group?It says it is “maintained for academic purposes to facilitate national policy discussions”? Discussion of the billion dollar fraud industry in order to protect injured workers is verboten?

    I know three people in the group, who know my case ‘intimately’……. Shocking to be removed from the group.

    The shame of the WorkCompFraud system falls greatly on the shoulders of those who know, and refuse to act.

    So, if your group has any interest in ‘acadedemic study’ of one injured worker’s case, here a blog.


    Photo: #MicCheck #LucyOccupy Kicked to the curb by a fb group alleging to exist for the purpose of what?? Oh, I see I was removed from the group Injured Workers Law & Advocacy Group? </p> <p>It says it is "maintained for academic purposes to facilitate national policy discussions"? Discussion of the billion dollar fraud industry in order to protect injured workers is verboten? </p> <p>I know three people in the group, who know my case 'intimately'....... Shocking to be removed from the group. </p> <p>The shame of the WorkCompFraud system falls greatly on the shoulders of those who know, and refuse to act. </p> <p>So, if your group has any interest in 'acadedemic study' of one injured worker's case, here a blog. </p> <p>MORE TO FOLLOW. WE ARE THE MEDIA NOW, COME HECK OR HIGH WATER. </p> <p>
    Like ·  · 

#WorkCompCrimes “In the end, we will remember…”




[ last edited on June 27, 2014 at 1:12 pm   (Found in drafts…. about 90 of them….here they come!) ]


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Yaaaay, WE ARE THE MEDIA NOW….Ever grateful that Anonymous PRECEDES Unanimous.

Think locally. Act GLOBALLY.  OCCUPY virtually.

what if you realized how powerful you really are