More Talking Points for a GLOBAL SUMMIT on WorkComp Resolutions! WHAT ELSE?

  1. Congratulations on Your Job!  But Wait — about The Benefits! [‘All of This Because Somebody Got Hurt at Work’]
  2. Hurt on the Job? Uh Oh!  HOPE FOR THE BEST — PREPARE TO FIGHT FOR YOUR LIFE
  3. Lawyer Up or Self-Represent?
  4. How does it work?
  5. Who are the Key Players?
  6. How do you get medical care?  Hint: Cross your fingers and hope you don’t die first!
  7. What to Track:  Money In/Money Out/Money Stopped; Doctor appointments — arrival, names, notes, tests, directions, prescriptions, off work notices; Get and read copies of all medical reports and appeals, get business cards of all parties.
  8. What to do if treatment is denied (and it will be denied, FACT!  APPEAL, SQUEAL AND SQUEEK — JUST WHISTLE)
  9. Why Blog?  What to blog — What not to blog?1399166808228
  10. Suspect Fraud?  Uh oh!  FIGHT BACK!
  11. Suspect Collusion?  Uh oh! FIGHT BACK!
  12. Did HR send a Get Well Card and Speedy Recovery Wishes?
  13. Are you disabled?  File for Social Security Disability immediately if you expect to be off work 1 year or more (Hint: If it’s work comp, count on it! File churning, obfuscation of facts, fraud and chicanery often caused delay, denial, deceptions and death.  FILE TODAY;  If you’re lucky enough to get legit medical care and return to work, welcome to that “1%” crowd!
  14. Follow THESE Blogs – Comment on Industry Blogs
  15. Join the #CommitteeOfBloggers – WE WORK LIKE ANTZ  – Use these memes and hashtags too!
  16. Lost your sanity, job, home and health?  Uh-oh!  Find an advocate to help you fight back – LEARN TO WHISTLE!  #JustWhistle, #Tweet, #Blog, #Post, #Pin etc.
  17. Tell YOUR story here and there [What Happens When Americans Are Hurt on the Job? Help ProPublica Investigate] and Tell your Friends and Neighbors and Elected Officials…. do your best to BE SUCCINCT….. “What it used to be like, what happened, and what it’s like now”  Figure you have 30 seconds to grab attention, and two minutes to hold it in a call to action.  #Blog4TheCure
  18. Go Fund Me?  If you don’t ask, you won’t get.  TRANSCEND LEARNED HELPLESSNESS; BE CREATIVE!   (Read also #TheFirstLeaflet)
  19. Join a Class Action in Your State or Nation
  20. Settlement Time?  Yeah, right.
  21. Then What…. HOW DO YOU MOVE ON POST-WORK COMP?   How to RISE LIKE THE PHOENIX FROM THE ASHES? occupy virtually 99 percent
  22. Ask:  About Your Radiation This Week – Bob Nichols, Writer

Remember Remember that  All Nuclear Reactor Leak All of the Time and that radiation poisoning compromises the immune system.

Radiation and Health PU239 etc

‘Pray for the Dead and Dying, Fight Like Hell for The Living, #DodgeTheRads and #OccupyVirtually

outraged red letters

#InjuredWorkersUniting  #SilentNoMore

“I BLOG, THEREFORE I AM A WORKCOMP SURVIVOR”  BE ONE TOO!

WE ARE THE MEDIA NOW RED DOT

WHAT ACTIONS CAN YOU TAKE TODAY?

Bloggers:

Injured Workers:

Attorneys:

Providers:

Adjusters:

Legislators:

Law Enforcement:

Civil Rights & Human Rights Advocates:

PEOPLE OF GOODWILL:

FOLLOW THE BLOG AT MY WORKCOMP COACH and ADD TO IT!

WATCH FOR INJURED WORKER STORIES FROM THE WORKCOMP COUCH!

Surviving Work Comp – A Series WHAT DO YOU THINK? Draft One

POINT OF REFERENCE:    Top 10 Highest-paid CEOs at U.S> commercial insurance companies

FOLLOW THE MONEY.  ALWAYS FOLLOW THE MONEY.

SKY EARTH FIRE

Back in 2012, one doctor suggested that I write about my work comp experiences after a witnessed slip and fall backwards, big, hard, conk on the head, little-to-no medical care over the course, in order to help me process what was happening to me with the lack of medical care, legal chicanery, and fight for my life.

NAIDW TBI AWARENESS

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It took until the summer of 2013 to make it a blog…..the earlier writings were to WorkComp people — doctors, adjusters, lawyers, human resources. Initially, I suspected the poor treatment was simply that some of the people I was dealing with were simply stupid.   I discovered it is far worse than that.

"WE ARE THE MEDIA NOW" #OccupyVirtually
“WE ARE THE MEDIA NOW” #OccupyVirtually  – #DodgeTheRads  

Have you seen the movie, WOMAN IN GOLD?  Here’s the trailer.  I watched it this week.  I cringed and gasped repeatedly as I saw parallels between those atrocities, and the life destroying actions of the WorkCompsters around the nations.  It is time for more Doctor’s Trials, to include the complicit sonderkommando, wouldn’t you agree?

 

ENOUGH IS ENOUGH.

 

Watch it and see for yourself how the parallels can be drawn with the devastation and destruction by the Nazi’s in the 30’s and similar destruction of life in the 21st century—of disabled workers, older workers and other ‘economically undesirable’ or ‘unprofitable’ members of the working classes.  If you do watch it, pay particular attention to the cheering when the Nazi’s rolled in to Austria, and the terrors that followed and wonder about shareholders of the companies causing such atrocities. Today, they don’t roll in in tanks, it’s the sedans and stretch limos?  Yikes!

 

If you don’t know any Injured Workers and if you are like the ‘cheering crowds’ of the profitable workcomp industries, also take a look at “The First Leaflet” and the next time medical care is denied on your watch, ask about your own humanity and soul.

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Injured Workers lose their sanity, their jobs, their homes and their lives in the PROFITS BEFORE LIVES business model that provides windfalls of profits, faster upon death of injured workers, to insurance industries and ancillary venues.

WHITE ROSES AND LINKED IN 5 16 2015
Are you #LinkedIn?

It’s thrilling to see that the nation is finally discussing, out loud and virtually, some of the horrific atrocities of WorkComp. No more sugar-coating the atrocities. Enough of you know the real deal.

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MAY AMERICA LEAD THE WAY TO STOP THESE ATROCITIES…..

We, The People,  Are The Media Now.  “Let’s get right to it!”

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Wouldn’t it be beneficial and life-extending if…..some of the biggies….. WorkCompCentral + ProPublica + National Association of Injured and Disabled Workers accelerate the discussion WITH AN EMPHASIS CHANGE TOWARD SOLUTIONS?  Enough already with the hand-wringing and rhetoric.

 

If you’re in the industry, Y’all already know what’s happening. DO SOMETHING TODAY.  MAKE A POSITIVE IMPACT.  “ADOPT AN INJURED WORKER” AND HELP THEM ESCAPE FROM THE “assembly lines of death” and OPEN AIR DEATH CHAMBERS!

If not you, then who?  If not now, then when?

Go save yourself from the zombies

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Let’s individually and collectively conduct interviews with doctors, lawyers and others who have “left the industry” so that real issues can be addressed, in a less threatening manner, with, perhaps, some amnesty provisions for early responders.

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These WorkComp challenges and atrocities are Universal —- perhaps the USA, Canada, UK and Australia have similar organizations — like WorkCompCentral + ProPublica + National Association of Injured and Disabled Workers and everybody can join forces to save/extend lives.

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We’ll probably need some educational events to address BEST PRACTICES for Whistle Blowing, in all quarters, wouldn’t you agree?

It has been somewhat comforting over the past year to see discussions about the many horrors of WorkComp, along with the high profits for the insurance carriers. Romano Trust Vs. Sedgwick seems to have paved the way for carriers to “wish and hope you die” if you are an injured worker —-it’s an cost effective strategy, in perfect alignment with PROFITS BEFORE LIVES business models, also used by the Nuclear Industries?

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Here is a study by Everette Lee Herndon, Jr.  on Workers Comp & Bad Faith: Unacceptable Oversights The Insurer’s Duty and The Romano Case. Published on http://www.propertycasualty360.com on July 15, 2013  that will prove insightful to any readers, industry or non-industry.  If you’re human, read it; you’ll get it.

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A recent DePaolo World blog shared another story with the same trend….. Profit Before People rather than the carrier paying for transitional living facilities at approximately $40K a month, likely with the help of some nasty pharmaceutical, that injured worker’s ‘suicidal ideations’ and attempts could save that carrier a bundle…..  and have “Happy Shareholders”??  Yikes!  See also Guilty Without Charge

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Well, recently a recommendation from another doctor/coach suggested I write about my WorkComp experiences.  I shyly reported, “Well, I have a little blog already, but I do want to write a book.”   Unimpressed (and previously unaware of my blogs) it was suggested that before our next meeting that I “write an Introduction and a Chapter Outline.”  😀   THIS IS THE INTRODUCTION!   HERE COMES THE OUTLINE!

Did I leave anything out?  Do you think a series of e-books would fly?  Would you read it if it was free?  Would you prefer to pay 99 cents for each e-booklet?  Would you watch a webinar about Whistle Blowing, Blogging, Administrative Tasks for Injured Workers and more?  Would you join groups on the NADIW.org site, LinkedIn, Facebook and elsewhere to further discussion and enhance your own blogs?   

 

Surviving Work Comp – Draft One

INTRODUCTION    (See above)

 

  1. Congratulations on Your Job!  But Wait — about The Benefits
  2. Hurt on the Job? Uh Oh!  HOPE FOR THE BEST — PREPARE TO FIGHT FOR YOUR LIFE
  3. Lawyer Up or Self-Represent?
  4. How does it work?
  5. Who are the Key Players?
  6. How do you get medical care?  Hint: Cross your fingers and hope you don’t die first!
  7. What to Track:  Money In/Money Out/Money Stopped; Doctor appointments — arrival, names, notes, tests, directions, prescriptions, off work notices; Get and read copies of all medical reports and appeals, get business cards of all parties.
  8. What to do if treatment is denied (and it will be denied, FACT!  APPEAL, SQUEAL AND SQUEEK — JUST WHISTLE)
  9. Why Blog?  What to blog — What not to blog?
  10. Suspect Fraud?  Uh oh!  FIGHT BACK!
  11. Suspect Collusion?  Uh oh! FIGHT BACK!
  12. Did HR send a Get Well Card and Speedy Recovery Wishes?
  13. Are you disabled?  File for Social Security Disability immediately if you expect to be off work 1 year or more (Hint: If it’s work comp, count on it! File churning, obfuscation of facts, fradu and chicanery often caused delay, denial, deceptions and death.  FILE TODAY;  If you’re lucky enough to get legit medical care and return to work, welcome to that “1%” crowd!
  14. Follow THESE Blogs – Comment on Industry Blogs
  15. Join the #CommitteeOfBloggers – WE WORK LIKE ANTZ  – Use these memes and hashtags too!
  16. Lost your sanity, job, home and health?  Uh-oh!  Find an advocate to help you fight back – LEARN TO WHISTLE!  #JustWhistle, #Tweet, #Blog, #Post, #Pin etc.
  17. Tell YOUR story here and there and Tell your Friends and Neighbors and Elected Officials…. do your best to BE SUCCINCT….. “What it used to be like, what happened, and what it’s like now”  Figure you have 30 seconds to grab attention, and two minutes to hold it in a call to action.
  18. Go Fund Me?  If you don’t ask, you won’t get.  TRANSCEND LEARNED HELPLESSNESS; BE CREATIVE!   (Read also #TheFirstLeaflet)
  19. Join a Class Action in Your State or Nation
  20. Settlement Time?  Yeah, right.
  21. Then What…. HOW DO YOU MOVE ON POST-WORK COMP?   How to RISE LIKE THE PHOENIX FROM THE ASHES?occupy virtually 99 percent
  22. Ask:  About Your Radiation This Week

Remember Remember to ‘Pray for the Dead and Dying, Fight Like Hell for The Living, #DodgeTheRads and #OccupyVirtually

#InjuredWorkersUniting  #SilentNoMore

WE ARE THE MEDIA NOW THANK YOU

Surviving WorkComp — JUST DO IT!

Do YOU want outcomes like this for your WorkPlace Injuries? Guaranteed by CNA? Works for Wyndham--You Too?

Linda Ayres

Wyndham Worldwide – Disabled by WorkCompsters

Do YOU want outcomes like this for your WorkPlace Injuries? Guaranteed by CNA? Works for Wyndham–You Too?

How?  Have untrained staff, incapable of handling a work place injury, unable to offer medical support, transportation to an emergency room, or call 911.  Ensure that staff do not know how to complete a DWC-1 form, know nothing about alleged MPN-Provider Networks, never send a get well card and never inquire over the years of denied medical care how the employee is doing; above all, never extend a get well wish, and threaten abled working staff to NEVER SPEAK TO AN INJURED WORKER, under any circumstances.  Refer always to HR.

Then, hope for a newbie Adjuster who can “just follow orders” and rely upon EAP referred doctors for referrals to other specialists.  Hope that adjuster seriously follows PLAY BOOK that apparently deems it necessary to terminate all benefits upon diagnosis of serious injury, including Brain Injury and commence acts of emotional, mental and financial terrorism.

Hope for a designated defense counsel that will go to any means necessary to “win the case” with plenty of Court time and other billable hours on matters related to legal chicanery and obfuscation of facts.  When both are replaced after a few years, hope for seasoned, jaded professionals without hearts or souls. Higher on the food chain, the more intense the outcomes.

Count on AME/QME/IMR doctor reports written by non-medical staff, signed by industry leased/owned professionals for the big bucks, and know that legitimate doctors will also be cheated out of agreed upon fees and more.

Hope for a Risk Management team to successfully shift all risk and cost burdens to State and Federal agencies, without fear or caution.  If necessary, hope for a fraud unit that will call injured workers and ask, “So tell me, ______, when ARE you going to die?”

Count on total violation of Civil Rights—-because WorkCompsters appear to be above the law, with no regard or respect for the Constitution of these United States of America and callous disregard for life and liberty.

CNA Insurance | LinkedIn

cnainsurance

LinkedInFor more than 117 years, CNA has built relationships with agents and brokers to meet the insurance needs of businesses of any size. Headquartered in Chicago 

Wyndham Worldwide

Hospitality   10,001+ employees

 

THE ABOVE ACTIONS WILL TAKE A TEAM PLAYING PRODUCTIVE HIGH-IQ EMPLOYEE  FROM THIS:

TO THIS:

DEFENSE AGAINST THE PSYCHOPATH https://www.youtube.com/watch?v=Gd6P1Ue2aGg

2 of 3 WorkComp MAGIC Money Math or FOLLOW THE MONEY on the WorkComp Gravy Train

xmas naughty or nice

WorkCompCentral 4th Annual CompLaude Awards Gala is coming up…. Mark your calendar for Saturday, December 5, 2015.

BTW, August 31, 2015 is the deadline for submissions of YOUR nominees for the WorkCompCentraCompLaude Awards. After the recent news about Director Christine Baker, it seems that the need for your to dig deeply into your database to find good people doing good stuff in America’s work comp system has never been greater.  Here’s the link again.

On the who’s been naughty and who’s been nice, WorkCompCentral has the ‘nice” list being covered, and looks like ProPublica and #InjuredWorkersUniting will simply have to continue cover the ‘naughty’ lists and enlist support, #TEO!

CompLaude 2015 Nominees

For Injured Workers, the need has never been greater for us to tell our stories. We need a #CommitteeOfBloggers.  Tell your story to the good peeps at ProPublica…..they may not be able to get the whole truth out there, but they’re doing a damn good job creating some cognitive dissonance.   Look ’em up under The Demolition of Workers Compensation and find the link to SHARE YOUR STORY aobut “What Happens When Americans are Hurt on the Job? Help ProPublica Investigate” because, afterall, WE ARE THE MEDIA NOW.   #InjuredWorkersUniting  #SilentNoMore.

xmas naughty or nice

HAVE YOU BEEN ALSO BEEN CHEATED OUT OF DISABILITY BENEFITS AS WELL AS DENIED MEDICAL CARE FOR YEARS, CAUSING PERMANENT DISABILITIES TO YOU, TOO?   WE’RE NOT ALONE.

NAIDW 54 million plus

BUT WAIT! THERE’S MORE!   AM I MISSING SOME CALCULATIONS HERE??!!!  NOBODY AT EDD/SSA/CNA/MATRIX/ADVOCATOR/WYNDHAM SEEMS TO BE ABLE TO HELP OUT EITHER.  IT’S IN THE ‘TOO HARD’ PILE EVERYWHERE….

The skewed and repeatedly mis-stated numbers have Social Security Administration in a super quandry over retroactive Social Security Disability benefits.  First, they sent $_____________ to a dead bank account, and the Treasury Department kindly intervened.  Then they sent a letter saying, whoooops, miscalculated, send us back $______ (more than the original amount) within 30 days, or else we’ll terminate all your benefits, but you can appeal it.

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Then it was discovered they generously overpaid the law firm by $1,500 which was reimbursed immediately in June back to SSA, but SSA had apparently just processed that repayment, so they sent a follow up letter acknowledging the reimbursement and reduction in the demand for funds from Injured Worker by same amount.

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Weeks have passed and SSA has been unable to return calls to the Advocator handling the case.  The time to appeal is fast approaching, hence, this outreach via the internet.  ARE THERE ANY FORENSIC ACCOUNTANTS OUT THERE?  OR CAN THE STATE CONTROLLER’S OFFICE HELP?    (3 OF 3 WILL FILL IN THE BLANKS ON AMOUNTS FOR SSA/EDD/CNA FIASCO…IT’S A TOUGH SHELL GAME TO FIGURE OUT—–> PARTICULARLY WITH A BRAIN INJURY.

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I JUST KNOW IT AIN’T RIGHT….  and it’s in the “too hard” pile on too many desks, another example of ‘obfuscation of facts’ with intent to deny benefits and further harm injured worker?  Sure looks like it, huh?  Not even experts can sort it out.

SOCIAL SECURITY FOLLOW THE MONEY TRAIL

CNA aka American Casualty refused to pay TTD from 4/15/12 – 2/14/13 — and there are extenuating circumstances involving not only WCAB Courts, but Information and Assistance Officers and EDD parties.  Adult Protective Services, State Senator and Assemblyman’s office helped to break the stranglehold that resulted in Injured Worker having to apply for Social Welfare, Public and Private Assistance, including help from the Salvation Army for utilities in early 2014 because of this practice which is apparently “done all the time” according to CNA Adjuster, Daniel Elliott.

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Reimbursement discount was ‘negotiated’ by defense firm with EDD, apparently without any State oversight, and a Judge on appeal said it was ok.  Apparently, some Judges think it’s ok for the State to give away taxpayer dollars to big insurance companies.

[Yikes, CNA has racked up some penalties, haven’t they?  Is there anybody enforcing these rules?]

 Amout Period Issue Date
1/9/2012 1/21/2012      1,304.30 2 1/20/2012
1/23/2012 2/5/2012      1,304.30 2 2/3/2012
2/6/2012 2/19/2012      1,304.30 2 2/16/2012
2/20/2012 3/4/2012      1,304.30 2 3/2/2012
3/5/2012 3/18/2012      1,304.30 2 3/15/2012
3/19/2012 4/1/2012      1,304.30 2 3/29/2012
4/2/2012 4/15/2012      1,304.30 2 4/12/2012
!!!!!!!!!! !!!!!!!!  !!!!!!!!!! !!!!!! ____ Weeks Late; 25% penalties +++
2/15/2013 2/28/2013      1,298.82 2 2/27/2013
3/1/2013 3/14/2013      1,298.82 2 3/13/2013
3/15/2013 3/28/2013      1,298.82 2 3/27/2013
3/29/2013 4/11/2013      1,298.82 2 4/10/2013
4/12/2013 4/23/2013      1,298.82 2 4/24/2013
4/26/2013 5/9/2013      1,298.82 2 5/8/2013
5/1/2013 5/23/2013      1,298.82 2 5/22/2013
5/24/2013 6/6/2013      1,298.82 2 6/5/2013
6/7/2013 6/20/2013      1,298.82 2 6/19/2013
6/21/2013 7/4/2013      1,298.82 2 7/3/2013
7/5/2013 7/18/2013      1,298.82 2 7/17/2013
7/19/2013 8/1/2013      1,298.82 2 7/31/2013
8/2/2013 8/15/2013      1,298.82 2 8/14/2013
8/16/2013 8/29/2013      1,298.82 2 8/28/2013
8/30/2013 9/12/2013      1,298.82 2 9/11/2013
9/13/2013 9/26/2013      1,298.82 2 9/25/2013
9/27/2013 10/10/2013      1,298.82 2 10/9/2013
10/11/2013 10/24/2013      1,298.82 2 10/23/2013
10/25/2013 11/7/2013      1,298.82 2 11/6/2013
11/8/2013 11/21/2013      1,298.82 2 11/12/2013
11/22/2013 12/5/2013      1,298.82 2 12/4/2013
12/6/2013 12/19/2013      1,298.82 2 12/18/2013
12/20/2013 1/2/2014      1,298.82 2 12/30/2013
1/17/2014 1/30/2014      1,298.82 2 1/29/2014
1/31/2014 2/13/2014      1,298.82 2 2/12/2014
!!!!!!!! !!!!!!!  !!!!!! !!!!!!! ___ Weeks late; 25% penalties +++
2/14/2014 4/24/2014      6,494.10 9 4/18/2014
4/25/2014 5/8/2014      1,298.82 2 5/7/2014
   49,393.52 75
 C NA PAID TO IW WEEKS PAID
104 weeks per Labor Code, weekly rate questioned, but at $1,298.82 x 52 checks = $67,538.64
C N A  Reimbursed $31,400 to EDD on 4/29/14  for paying IW $49,49,422 from 2012-2013 because C N A refused to despite Court demand:
 $       31,400.00 = 24.17579 weeks 99/weeks  effective payment?
Lump Sum Permanent Disability Advance
$5,000 1/30/2015 (subrogated by private LTD carrier?!!)

52 additional weeks of disability benefits to have been provided by the State, when the WorkComp system fails after the first 104 weeks, would have meant an additional benefit of 52 weeks x $961/week or $49,972.

So, if CNA had paid 104 weeks at  $649.41 (eow check $1298.82) that would have been:  $67,538.64

And if EDD has paid 52 weeks at $961/week that would have been:   $49,972

Not counting the extreme hardships caused by months of non-payments by anybody, the total TTD benefits that were due between 1/9/12 and 1/9/15 seem to be around about $117,510.64    Injured Worker was actually paid 49,393.52 from CNA and $49,422, for a total of $98,815.52 for the 3 years (approximately $33K, that came in sporadic payments, causing extreme stress and hardship).  

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This appears to be a shortage of $18,695.12 (yikes, how close is that to the reward CNA received from EDD for refusing to pay TTD and for refusing to provide medical care?  Is that a mere coincidence?   These numbers alll jumble all over my brain.   Social Security Disability was awarded in May 2015, with retroactive pay back to date of injury, 1/9/12, with the 6 month waiting period to 7/2012.  

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This is where it gets real real fuzzy…. that will be documented, with PDFs of all of ths in 3 of 3 – WorkComp MAGIC Money Math…  

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This seems to happen all the time, to many injured workers…..nobody seems to know how the sad tales end.  

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You’ll know how this one ends, count on it!  Maybe you will even read about it in a ProPublica Report!  ;D

Back pay caper of May 2014 RE WC from SSA print out
2/14/2012 $1,676.96
2/28/2012 $1,304.30
3/13/2012 $1,304.30
3/27/2012 $1,304.30
3/31/2012 $372.66
4/15/2012 $1,397.47
4/16/2012 $712.80
5/17/2013 $6,865.19
7/30/2013 $3,803.68
10/12/2013 $742.18
10/4/2013 $6,123.01
12/25/2013 $6,865.19
3/4/2014 $4,082.01
1/19/2014 $2,319.32
5/8/2014 $6,030.24
C N A paid me $44,903.61
EDD paid approximately $47,922.00 difference EDD gave to C N A, not IW
EDD discounted back to C N A, collecting: $31,654.00 $16,268.00
  of the $31,654 EDD sent me approximately ($21,000.00)
C N A  5/8/2014 Notice states they paid a total of $82,092.04 – they did not.  See above and figure in discounted payback to EDD
See also 9/23/14 statement from C N A Weeks * $
1-9-2012 to 4-15-2012 TTD at $652.15 per week 13 weeks 8477.95
2-5-13 to 5-8-14 TTD at $649.41 per week 38 weeks 24677.58
Reimbursed EDD for period of 1/28/2012 – 3/4/2013 for a total of $31,400. 48 weeks 31171.68
Fred Sachs, C N A 64327.21
99 weeks
C N A alleged total paid $82,092.04 for 1/9/12 – 5/8/14 $82,092.04
C NA  alleges “We have paid the 104 weeks of benefits”
(law says 104 weeks + additional 52 by EDD afterwards as required)
THE MATH DOESN’T ADD UP

The question arises, how many unclean hands did that “negotiated discount” pass through before making it’s way back to EDD?  If this is done all the time, how many times must that discounted $18,000 be multiplied to determine how much money leaves the State in favor of Insurance Profits??

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If every State provides such “negotiated discounts” (aka “kickbacks”??!!)…. how much money is lost by such cost shifting by the State?

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Further cost shifting involves shifting to Social Security Administration, also implicated in this convoluted mess, and they are spending weeks and weeks and weeks of labor hours trying to sort out the calculations.  See below for more on that.  Treasury Department has even had to become involved in May, and will likely need to jump in again before all is said and done?

WC SHELL GAME TIMES HOW MANY INJURED WORKERS

According to the State of California Department of Industrial Relations, here’s the ideal regarding Temporary Disability benefits:

http://www.dir.ca.gov/dwc/TemporaryDisability.htm

But wait!  Is CNA aka American Casualty, THE ONLY INSURANCE CARRIER WITH SPECIAL PRIVILEGES AND DISCOUNTS afforded by DIR no matter what harm is caused to California Injured Workers?  Have any politicians approved these little … what do we call it…. incentives???

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Here’s what they say about attorneys:  http://www.dir.ca.gov/InjuredWorkerGuidebook/FAQsAttorney.pdf   (The warnings are quite inadequate–InjuredWorkers will create some new information for those new to the system. If you make a mistake retaining an attorney who freely violated the ABA Code of Ethics, you’re in for an awful ordeal, and they hang on like leaches to a file, preventing legitimate/competent attorneys from taking over their messes.

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The In-Pro-Per community is a market overlooked by most WorkCompsters…. #InjuredWorkersUniting — perhaps with teams of Paralegals, the WarOnWorkers can be won, SunTzu style, with a Rag-Tag Army of Injured and Disabled Patriots and Others.  Just sayin…THINK OUTSIDE OF THE WORKCOMP GHETTOS.

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See the gaps in which CNA failed to pay a Wyndham Worldwide Injured Worker? Does that mean 25% of each late payment, up to $10,000 is now due and payable, with sanctions?  Who absorbs that extra cost?

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That looks like 45 weeks and 4 days?  So would that would be 25% of…. ($1298.82 divided by…. times 45… no, times 22.5 which equals $29,200) so 25% of $29,200, or $7,300.  Is that correct?  So, if you multiply a practice of cheating injured workers like that times how many million injured workers are there, the plot thickens, huh?

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There’s a rule about penalties for failures to reimburse medical miles which CNA also scoffs at.  Complaints have been filed repeatedly with the Audit Unit; hopeful that Wyndham/CNA’s turn is coming up soon on auditors.   Out of pocket medical expenses for this injured worker have exceeded $43,000.  It seems to be a standard that injured workers who are able to, will often spend more than $50,000 in personal funds to survive the WorkComp system.  Some grand bargain, huh?  Wish for WorkComp only on your most despised enemies, huh?

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“TD payments begin when your doctor says you can’t do your usual work for more than three days or you get hospitalized overnight. Payments must be made every two weeks. Generally, TD stops when you return to work, or when the doctor releases you for work, or says your injury has improved as much as it’s going to.”

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APPARENTLY NOT IN CALIFORNIA!  Does the State Controller know how EDD assumes risks for insurance companies then deeply discounts payback, which also deprives Injured Worker of the additional 52 weeks of State Disability, assuming that the first 104 weeks without medical care failed to result in employee death?

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If you were receiving temporary disability (TD) benefits, the first PD payment is due within 14 days after the final TD payment”   Ooooops, last TD payment was when?  Shown as 5/8/14?   Does that mean that some sort of estimated PD vs. receiving nothing for months and months and months was due?  

.

Is the claims administrator required to pay a penalty for delays in PD payments? Yes. If the claims administrator sends a payment late, he or she must pay you an additional 10 percent of the payment.

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Here’s the revised Chapter 5, How it Works     TEMPORARY DISABILITY BENEFITS

What happens if I don’t get my payments on time?

Is the claims administrator required to pay a penalty for delays in TD payments?

“Is the claims administrator required to pay a penalty for delays in TD payments? It depends. The claims administrator must pay you an additional 10 percent of the payment, if: • The claims administrator sends a payment late; and • You filed a claim form for your injury more than 14 days before the payment was due. This is true even if there was a reasonable excuse for the delay. However, there’s no penalty if the claims administrator can’t determine, in the first 14 days after your employer learned about your injury, whether TD benefits must be paid and sends you a delay letter as explained above. You could be awarded a total of 25 percent of each late payment, up to $10,000, if there was no reasonable excuse for the delay…”

When do TD payments end? TD payments end when:

• Your treating doctor says you can return to your usual job (whether or not you actually return to work); or

• You return to your usual job or to modified or alternate work at your regular wages (or at wages associated with a maximum limit on TTD payments); or • You have reached a point where your condition is not improving and not getting worse. (When this happens, your condition is called “permanent and stationary.”); or

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• You were injured on or after January 1, 2008, and received up to 104 weeks of TD benefits within five years from the date of injury, or you were injured sometime on or after April 19, 2004, through December 31, 2007, and received up to 104 weeks of TD benefits within two years from the start of payments. (Workers whose injuries involve acute and chronic hepatitis B, acute and chronic hepatitis C, amputations, severe burns, human immunodeficiency virus, high-velocity eye injuries, chemical burns to the eyes, pulmonary fibrosis, or chronic lung disease may receive up to 240 weeks of TD benefits within five years from the date of injury.)

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When TD payments end, the claims administrator must send you a letter explaining why the payments are ending. The letter must list all TD payments sent to you. This letter must be sent within 14 days after your final TD payment. If your treating doctor says that you will never recover completely, you may be eligible to receive permanent disability benefits or a supplemental job displacement benefit. See Chapter 7. Permanent Disability Benefits, and Chapter 8. Supplemental Job Displacement Benefit  [Ooooops, CNA didn’t do that either…. ]

.

[Yikes, CNA has racked up some penalties, haven’t they?  Is there anybody enforcing these rules?]

.

http://www.dir.ca.gov/InjuredWorkerGuidebook/Chapter7.pdf

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“What are permanent disability benefits?”

“Most workers recover from their job injuries. But some continue to have problems. If your treating doctor says you will never recover completely or will always be limited in the work you can do, you may have a permanent disability. This means that you may be eligible for permanent disability (PD) benefits. You don’t have to lose your job to be eligible for PD benefits. On the other hand, if you lose income because of a permanent disability, PD benefits may not cover all the income lost.”

.

“Other Benefits Besides PD If you have a permanent disability, you may also be eligible to receive: • Medical care for your injury, described later in this chapter. • A supplemental job displacement benefit. To learn about this benefit, see Chapter 8. • Other financial help, such as Social Security disability benefits and benefits offered by some employers and unions. To find out about these benefits, use the resources in Chapter 9”

.

When do I receive PD payments? If you have a permanent partial disability, you are eligible to receive the total amount of your PD benefits spread over a fixed number of weeks. If you have a permanent total disability, you are eligible to receive PD payments for the rest of your life. PD payments are due as listed below, except as follows: If your employer offers you work that pays at least 85 percent of the wages and benefits that you were paid at the time of injury or you are working in a job that pays at least 100 percent of the wages and benefits that you were paid at the time of injury, you will not receive PD payments until after a workers’ compensation judge approves a settlement of your case or decides on the PD benefits you will receive. If neither of the above is true:

If you were receiving temporary disability (TD) benefits, the first PD payment is due within 14 days after the final TD payment.

• If you weren’t receiving TD benefits, you should receive the first PD payment within 14 days after the claims administrator learns that you have a permanent disability caused by your injury. After the first payment, PD benefits must be paid every 14 days. PD payments end when you reach the maximum amount allowed by law or when you settle your case and receive a lump sum. Note: This lump sum is reduced by the PD benefits that you already received, including any lump sum advances.

Is the claims administrator required to pay a penalty for delays in PD payments? Yes. If the claims administrator sends a payment late, he or she must pay you an additional 10 percent of the payment. This is true even if there was a reasonable excuse for the delay and even if the claims administrator sends a letter explaining the delay. (Note, however, that this penalty is not required if you did not file a claim form for your injury.) You could be awarded a total of 25 percent of each late payment, up to $10,000, if there was no reasonable excuse for the delay.

#################################

GRAVY TRAIN WRECK

EDD PICKED UP THE COSTS FOR TEMPORARY DISABILITY BENEFITS FOR THIS INJURE WORKER BECAUSE CNA REFUSED TO PAY TTD, ALTHOUGH AGREED UPON IN A COURT HEARING.  THE ADJUSTER INDICATED THAT THEY DO IT ALL THE TIME.  REALLLY??  THE INFORMATION AND ASSISTANCE OFFICER COULD ONLY SAY, ‘Look, the order says they would resume paying “if necessary” so apparently your Dr. Ponton didn’t think it was necessary.”  Really, he continued to call me temporarily totally disabled in every reported, omitted and not, to the Carrier and to WCAB and to EDD, so what part of that could be misunderstood as being “not necessary”????!!!

.

For the records, EDD paid over an intermittent period, ending in mid 2014 for final reconciliation, after numerous appeals, a total of approximately $49,400 ….negotiated a discount of Injured Workers Benefits or Your Tax Dollars, providing the WorkComp carrier what appears to be an award for approximately $18,000 for REFUSING TO PAY TEMPORARY TOTAL DISABILITY PAYMENTS IN ACCORDANCE WITH LABOR CODE, AND FOR CAUSING PERMANENT TOTAL DISABILITIES BY FAILING TO PROVIDE MEDICALLY NECESSARY TREATMENTS WHILE RACKING UP WHAT APPEARS TO BE A DRAMATIC MONEY LAUNDERING EFFORT WITH MORE THAN APPROXIMATELY 40 FACE TO FACE MEDICAL EVALUATIONS.

.

NUMEROUS CorVel medical evaluations with supportive chicanery continuing the pattern of egregious harm with callous disregard for life and  WITH TOTAL DISREGARD FOR RECOMMENDATIONS FOR TREATMENT.

 

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psychopath advisory
DEFENSE AGAINST THE PSYCHOPATH – STUDY AND SHARE – https://www.youtube.com/watch?v=Gd6P1Ue2aGg

This is the American Workers Compensation System?  Everybody knows.  What’s wrong you people putting up with these most vile practices that are mere profiteering by the maiming and experiments and exterminations of your fellow Americans? Is it really worth your soul to sell out humanity?

 

psychopaths in power know  do you

Well, we know that psychopaths have no remorse, compassion or soul—-is that what we have here, WorkComp is operated by a SWATH OF PSYCHOPATHS?   SOS, MY FELLOW AMERICANS!  SOS!

.

“If not you, then who? If not now, then when?”  YOU COULD BE NEXT!

#InjuredWorkersUniting  #SilentNoMore

flag distress signal

WE ARE THE MEDIA NOW –> BE GEEKY!

to be continued

1 of 3 WorkComp MAGIC Money Math or FOLLOW THE MONEY on the WorkComp Gravy Train

Date of Injury:  1/9/2012  — Brain Injury Survivor still on the rest and wait and wait and wait for benefits and medical care program.  WorkComp Carrier has successfully shifted risks and burdens to the State and SSA,  IS THERE A FORENSIC ACCOUNTANT READING THIS? OR DO YOU KNOW ONE TO SEND IT TO?

GRAVY TRAIN FAT CATS

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‘C N A  Reimbursed $31,400 to EDD on 4/29/14  for paying IW $49,422 from 2012-2013 because C N A refused to despite Court demands and Injured Worker Objections”  

WC WorkCompFraud and Money

” Not counting the extreme hardships caused by months of non-payments by anybody, the total TTD benefits that were due between 1/9/12 and 1/9/15 seem to be around about $117,510.64    Injured Worker was actually paid 49,393.52 from CNA and $49,422, for a total of $98,815.52 for the 3 years (approximately $33K, that came in sporadic payments, causing extreme stress and hardship).  

.

This appears to be a shortage of $18,695.12 (yikes, how close is that to the reward CNA received from EDD for refusing to pay TTD and for refusing to provide medical care?  Is that a mere coincidence?   These numbers alll jumble all over my brain.  

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Social Security Disability was awarded in May 2015, with retroactive pay back to date of injury, 1/9/12, with the 6 month waiting period to 7/2012.  This is where it gets real real fuzzy…. that will be documented, with PDFs of all of this in 3 of 3 – WorkComp MAGIC Money Math…  This seems to happen all the time…..nobody seems to know how the sad tales end.  

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You’ll know how this one ends, count on it!  Maybe you will even read about it in a ProPublica Report!  ;D “

questions and answers complicated and simple

How many unclean hands do how many such ‘negotiated discounts’ pass through for the ultimate profit and bottom line of insurance carriers across America doing nothing but maiming and permanently disabling injured workers, cheating remaining legitimate WorkComp providers out of their fees, while supporting operations of sonderkommando type doctors willing to write fraudulent reports on behalf of their benefactors?

BRAIN INJURY ADVOCACY GROUP

There is no mechanism in America’s workers comp system for Injured Workers to report Doctor, Attorney, Provider and Employer Fraud.  DA only goes after groups like “Hell’s Angels” …..for what, cutting into the WorkCompster Drug Trafficking?

FUKITOL

D’oh!  At least the HAs are honest about their motives and practices of PROFITS BEFORE LIVES.   Very few peeps in WorkComp can claim such honesty.

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Why would a doctor prescribe a stomach drug for a brain injury survivor and why would a doctor prescribe an expensive creme for brain injury survivor, or why would a doctor prescribe (and mail without knowledge) a hand held ultra-sound device, without instructions for which brain lobe to use it on?  That’s WorkersCompensation.

My Fellow Americans.  Boomers!  Heads up!  The younger people do not have a chance in hell to survive American’s WorkComp rackets!   Mamas!  Don’t let your babies be doctors and lawyers and thugs!  #SOS!  #CommitteesOfBloggers needed ASAP!  #WATMN

wc doc can you see the problem

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Why would a doctor prescribe an ‘epilepsy medication with mood elevators as a precaution for a few years’ for a slip and fall head injury, after a 5 minute meet and greet?

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The more conservative, well-paid industry leased/owned WorkCompsters will prescribe ‘over the counter analgesics’ for brain injury, and some that, in the 60’s would have been categorized as “MCPs,” shrug and indicate that a woman over the age of 35 is not entitled to medical care for a brain injury, particularly after medical has been denied by the carrier for more than 2 years.

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WHAT A #GrandBargain WorkComp is, huh?

go save yourself from the zombies

WE ARE THE MEDIA NOW —> BE GEEKY!

WHITE ROSES AND LINKED IN 5 16 2015

to be continued

WATMN – VOICE MAIL ABOUT LINDA AYRES VS. WORKCOMPSTERS

Do you ever wonder…What do the Treasury Department Peeps think about WorkCompsters?
WHITE ROSES AND LINKED IN 5 16 2015

WE ARE THE MEDIA NOW – BE GEEKY!

—–Original Message—–
From: lindaayres <lindaayres@aol.com>
To: fred.sachs <fred.sachs@cna.com>; michael.dougherty <michael.dougherty@wyn.com>; tina.jordan <tina.jordan@wyn.com>; SReubens <SReubens@grancell-law.com>; shane.riedman <shane.riedman@cna.com>
Cc: Brent.Wisniewski <Brent.Wisniewski@cna.com>; Steven.Anderson <Steven.Anderson@cna.com>; Shauna.Chiappella <Shauna.Chiappella@cna.com>; Bill.Boyd <Bill.Boyd@cna.com>; jthomas <jthomas@grancell-law.com>; dchun <dchun@grancell-law.com>; trichards <trichards@grancell-law.com>; jstander <jstander@grancell-law.com>; Favio.Corral <Favio.Corral@cna.com>; Demetria.Winkler <Demetria.Winkler@cna.com>; bbarkley <bbarkley@grancell-law.com>; kmall <kmall@grancell-law.com>; sreubens <sreubens@grancell-law.com>; kroberts <kroberts@grancell-law.com>; ngrancell <ngrancell@grancell-law.com>; cna_help <cna_help@cna.com>; Reese.Walker <Reese.Walker@cna.com>; James.Graves <James.Graves@cna.com>; info <info@naidw.org>; Faith.Taylor <Faith.Taylor@WYN.COM>; Eden.Mauro <Eden.Mauro@cna.com>; Kirtan.Dave <Kirtan.Dave@cna.com>; Jonathan.Hueschen <Jonathan.Hueschen@cna.com>; Robert.Strozak <Robert.Strozak@cna.com>; Julie.Western <Julie.Western@cna.com>; Amy.Dreibelbis <Amy.Dreibelbis@cna.com>; Alissa.Mitchell <Alissa.Mitchell@cna.com>; Ryan.Carbah <Ryan.Carbah@cna.com>; Roy.Alexander <Roy.Alexander@cna.com>; Blair.Shropshire <Blair.Shropshire@cna.com>; Joshua.Ramos <Joshua.Ramos@cna.com>; Christopher.Lucas <Christopher.Lucas@cna.com>; sara.rojas <sara.rojas@wyn.com>; mike.reilly <mike.reilly@wyn.com>; Nelson.Leiser <Nelson.Leiser@WYN.COM>; Walter.Yosafat <Walter.Yosafat@wyn.com>; Josh.Lesnick <Josh.Lesnick@wyn.com>; Samir.Arora <Samir.Arora@wyn.com>; Carol.Bullock <Carol.Bullock@wyn.com>; Megan.Gormley <Megan.Gormley@wyn.com>; amy.labroo <amy.labroo@wyn.com>; doug.parks <doug.parks@wyn.com>; Sara.Salvatore <Sara.Salvatore@wyn.com>; PATRICIA.LEE <PATRICIA.LEE@WYNDHAMWORLDWIDE.COM>; Jonathan.Isernhagen <Jonathan.Isernhagen@wyn.com>; Amanda.Settee <Amanda.Settee@cna.com>; Scott.mixon <Scott.mixon@wyn.com>; wvoleavesupportcenter <wvoleavesupportcenter@wyn.com>; michael.grabell <michael.grabell@propublica.org>; mary.falvey <mary.falvey@wyn.com>; patricia.lee <patricia.lee@wyndhamworldwide.com>; Barry.Goldstein <Barry.Goldstein@WYN.COM>; Kitty.Pang <Kitty.Pang@wyn.com>; reolinda <reolinda@aol.com>; WorkCompLInda <WorkCompLInda@gmail.com>; caaa <caaa@caaa.org>; Daniel.Tregoning <Daniel.Tregoning@cna.com>; Denise.Norman <Denise.Norman@WYN.COM>; Faye.Tylee <Faye.Tylee@wyn.com>; scott.mixon <scott.mixon@wyn.com>; PKlimenko <PKlimenko@grancell-law.com>; Scott.mixon <Scott.mixon@wyn.com>; Megan.Gormley <Megan.Gormley@wyn.com>; Carol.Bullock <Carol.Bullock@wyn.com>; doug.parks <doug.parks@wyn.com>; amy.labroo <amy.labroo@wyn.com>; PATRICIA.LEE <PATRICIA.LEE@WYNDHAMWORLDWIDE.COM>; Sara.Salvatore <Sara.Salvatore@wyn.com>; Amanda.Settee <Amanda.Settee@cna.com>; Jonathan.Isernhagen <Jonathan.Isernhagen@wyn.com>; sreubens <sreubens@grancell-law.com>; tina.jordan <tina.jordan@wyn.com>; christopher.petrosini <christopher.petrosini@wyn.com>; michael.dougherty <michael.dougherty@wyn.com>; fred.sachs <fred.sachs@cna.com>; mary.falvey <mary.falvey@wyn.com>; kmall <kmall@grancell-law.com>; Steven.Anderson <Steven.Anderson@cna.com>; Brent.Wisniewski <Brent.Wisniewski@cna.com>; Bill.Boyd <Bill.Boyd@cna.com>; Shauna.Chiappella <Shauna.Chiappella@cna.com>; marybeth.stolworthy <marybeth.stolworthy@wyn.com>; tara.chmiel <tara.chmiel@wyn.com>; michael.grabell <michael.grabell@propublica.org>; daniel.elliott <daniel.elliott@cna.com>; Blair.Shropshire <Blair.Shropshire@cna.com>; Roy.Alexander <Roy.Alexander@cna.com>; Ryan.Carbah <Ryan.Carbah@cna.com>; Alissa.Mitchell <Alissa.Mitchell@cna.com>; Amy.Dreibelbis <Amy.Dreibelbis@cna.com>; Julie.Western <Julie.Western@cna.com>; Robert.Strozak <Robert.Strozak@cna.com>; Jonathan.Hueschen <Jonathan.Hueschen@cna.com>; Samir.Arora <Samir.Arora@wyn.com>; Josh.Lesnick <Josh.Lesnick@wyn.com>; Walter.Yosafat <Walter.Yosafat@wyn.com>; Nelson.Leiser <Nelson.Leiser@WYN.COM>; mike.reilly <mike.reilly@wyn.com>; sara.rojas <sara.rojas@wyn.com>; Christopher.Lucas <Christopher.Lucas@cna.com>; Joshua.Ramos <Joshua.Ramos@cna.com>; bbarkley <bbarkley@grancell-law.com>; kroberts <kroberts@grancell-law.com>; Favio.Corral <Favio.Corral@cna.com>; Demetria.Winkler <Demetria.Winkler@cna.com>; trichards <trichards@grancell-law.com>; jstander <jstander@grancell-law.com>; jthomas <jthomas@grancell-law.com>; dchun <dchun@grancell-law.com>; Eden.Mauro <Eden.Mauro@cna.com>; Kirtan.Dave <Kirtan.Dave@cna.com>; info <info@naidw.org>; Faith.Taylor <Faith.Taylor@WYN.COM>; Reese.Walker <Reese.Walker@cna.com>; James.Graves <James.Graves@cna.com>; ngrancell <ngrancell@grancell-law.com>; cna_help <cna_help@cna.com>; marybeth.stolworthy <marybeth.stolworthy@wyn.com>; tara.chmiel <tara.chmiel@wyn.com>; christopher.petrosini <christopher.petrosini@wyn.com>; michael.dougherty <michael.dougherty@wyn.com>; reolinda <reolinda@aol.com>; wynlinda <wynlinda@gmail.com>; lindaayres <lindaayres@aol.com>; patricia.lee <patricia.lee@wyndhamvacation.com>;  wvoleavesupportcenter <wvoleavesupportcenter@wyn.com>; workcomplinda <workcomplinda@gmail.com>
Sent: Thu, Aug 27, 2015 6:43 am
Subject: VOICE MAIL RE: LINDA AYRES VS. WYNDHAM WORLDWIDE CNA 33269102WE – COASTLINE LODGING, SSA RECORD OF PAYMENTS, MEDIATION  (Fred Sachs voice mail)
TBI END THE SILENCE
Hi Fred, Stewart, Tina and Michael and Shane:
.
People keep telling me not to take these atrocities personally, that CNA is doing this to all injured workers.  They say the law allows it.  I don’t think so.  Fraud is a felony, that means it’s against the law.

Anyhow, attached is a voice mail message with Fred Sachs.

IF you guys can organize comp rooms at the Ramada Inn-Newport Beach on Superior Avenue, starting next week, I still have a chance to resume Coastline Acquired Brain Injury Program.  Without such help, I cannot return.   I’m not asking for an advance on anything because the $5,000 you provided in January to pay for lodging,  Matrix called it “income” and says it gets ‘subrogated’ and I am paying that back to them.  I tried to explain that it for treatment, so in essence, you gave Matrix $5k, not me, I was apparently just the intermediary.   I hope that doesn’t make me complicit in some sort of insurance con-job. Yikes. So, Tina Jordan or Michael Doughtery may be able to provide lodging so I can return to Coastine and you can figure out how to pay.

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Without Coastline, I would have to say you have succeeded in fully destroying my life.  I know you don’t care, Shane Reideman made that very clear last fall when he called and asked me, “Tell me, Linda, when ARE you going to die?”
.
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So, are we going to mediate with Judge Siemers?  I understand he is the only Judge who can deal with a case of this complexity?
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If I’m not going back to Coastline, we can mediate with Judge Simers any time.  Looks like I have the rest of my shortened life span to fool with Workers Compensation, and perhaps make a difference to my fellow Americans.  If not, I die trying, huh? (Shane, happy now?)
.
I told the intermediary that I don’t fly,[radiation levels way too high, if you read the news] but I could drive to SFO (would need a rental car, per diem, and lodging) but that would be my compromise, or perhaps the Judge come to Los Angeles.  His CV is outstanding.  I might be able to trust him.
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I need the CNA list of what has been paid to me.  I’m almost out of time to appeal their demand for a return of more money than even they gave me.  They have edited their calculations a few times. Le’s find out where that allegedly monthly payment of approximately $4,000 since May 2014 has been diverted to? (Shane, is that the type of fraud your department handles??)  Would you believe they even sent the initial retro-pay to a dead back account, even though my SSA retirement money had been coming to a different account for over a year?  The Treasury agent found that of extreme interest.
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OK, let me know where we are.
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Have a great day, and “Dodge those Rads – It’s Dangerous Out There!”
Sincerely,
LINDA AYRES, IN PRO PER
WWID 415287
go save yourself from the zombies .

ps… So, if the below is true, then there is some validity to the CNA rest and rest and rest and rest and wait and wait and wait approach to ‘treating’ a traumatic brain injury for more than 3 years 7 months, huh?  No wonder I wake up ready to take on the world for the first hour or two of the day.!  Thanks guys and gals!

.
C’mon, I want out of WorkComp, I want the 15% legal fees to be donated to Coastline Acquired Brain Injury Foundation, and I want a reasonable settlement to enable me to forget I ever crossed paths with any of you  Oh, yes, I want some sort of restitution program by Wyndham/CNA/Grancell to ensure they never have the opportunity to harm another injured worker like this again.   Maybe I can be on the Board of Directors of such an organization.
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Stewart, can you have someone look into setting something like that up?  Thanks.  No rush, looks like we’re going no where toward settlement, so there’s time…. since no treatment cut my life span by more than the 8 initials years estimated by the Brain Injury Association of America, looks like we have maybe another 10 or 15 to use the media to make a difference in America?  We’ll, let’s try.  COUNT ON ME to do my part!
.
Have a great day, Everybody.  I have no place to be…oh ohhhhhhhhhh…. the piano tuner is coming today.  I read that playing the piano is supposed to help with brain recovery so as Stewart and Fred know, I bought a piano last year, or maybe 2013, I don’t remember.  I didn’t realize, at the time, I had to learn to play it for it to be effective.  A local piano teacher had me is some very simple VERY SIMPLE VERY SMALL CHILDREN’S BOOK.  She was kind, but aghast at my cognitive impairments.  Most of the kids she teaches start with two very simple books.  We had to break it down to just one book for me.  I guess if I don’t really get to return to Coastline, piano lessons are back on the agenda.
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Fred, wanna pay for them?  There’s also a company called LearningRx…  There’s help out there for people with brain injuries, I just don’t know how Thomas Motamed can run an organization with people in the dark ages about something as simple as NEURO-SCIENCE.  He takes in $10.7 million plus a year for harming people like me? Yecccch.   At least at Grancell, peeps get “Bagel Fridays” and at Wyndham, well, if you’re on the A-list, you get credit-worthy tours.  It all comes out in the wash, doesn’t it.
.
Ooooops, that was not intended to refer to ‘money laundering’ that seems to be a part of the workcomp biz models!  People tell me to refrain from slinging around words like felony fraud, RICO, corruption….   I don’t swear half as much as I used to…swearing is another consequence of brain injuries.  Shane, remember how I ended our Fall 2014 conversation, when you asked, “Tell me, Linda, when ARE you going to die?”  Yeah, that F**k YOU! was a knee jerk reaction due to TBI.
Brain Sleep and Rewiring.png

PS  Remember Remember…..

WE ARE THE MEDIA NOW (2)



Ask About Brain Injury and WorkComp Survival Now 

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…..it’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?

So, here’s the puzzle. IF THE INSURANCE CARRIER DEFIES THE LAW, AND REFUSES TO PAY TTD TO INJURED WORKER, THE STATE SWITCHES PLACES AND PAYS THE INJURED WORKER, USUALLY AT A HIGHER RATE, FOR THE FIRST 52 WEEKS, AND PLACES A LIEN ON THE CASE FILE.

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.

SO, DOES ANY OF THIS MAKE SENSE TO YOU EITHER?
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.

WE ARE THE MEDIA NOW. WE DO NOT…FORGET.

IF YOU HAVE EXPERIENCED THE SAME OR SIMILAR PROBLEMS, SEND ME AN EMAIL AT WYNLINDA@GMAIL.COM OR COMMENT ON THE CURRENT BLOGS AT:

ASK ABOUT WORKERS COMP GRAVY TRAINS
https://askaboutworkerscompgravytrains.com/list-of-posts-ask-about-workers-comp-gravy-trains/&#8230;..

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

CORPORATE AMERICA AND UNIONS INTERESTED IN REDUCING YOUR WORKERS COMP COSTS BY 20-50% AND SAVING LIVES?
https://askaboutworkerscompgravytrains.com/2014/07/23/corporate-america-and-unions-interested-in-reducing-your-workers-comp-costs-by-20-to-50-and-saving-lives/

….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.

TOGETHER, WE’LL GET TO THE BOTTOM OF THIS. MAYBE THEY ARE SIMPLE MISTAKES, HUH?

EASILY CORRECTED BY OVERNIGHT DELIVERY! WE’LL SEE. I WILL KEEP YOU POSTED. KEEP ME COVERED WITH LIGHT AND GOOD POSITIVE POWERFUL THOUGHTS…..THESE BOYZ DO NOT LIKELY SING IN THE CHOIR.

#INJURED WORKERS UNITED: SILENT NO MORE

WE ARE THE MEDIA NOW. SO BE IT, AS IF LIVES DEPEND ON IT.

 

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stupid no stupid people beyond this point

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