Concussion is Controversial – WorkComp and NFL use 3D PlayBook? “Delay-Deny-Die”


Who will be added to the WorkCompCentral CompLaude Awards nominations list?

Who will be added to the ProPublica/NPR/Beacon investigations list?

charlie brown and lucy

Is YOUR name on THIS list and in these blogs?  Maybe, huh?’





If YOU make it to the “NAUGHTY LIST”  all thanks go to CNA and defense firm, Grancell Stander et al, and of course, to Wyndham Worldwide for corporate irresponsibility and callous disregard for the life of an injured worker, in a serious breach of human right and ethics, extreme discrimination of injured workers with disabilities, not excluding age and gender discrimination issues.   They could have made a difference. They chose not to.  Bummer.

Will someone let DIR Director Christine Baker know what happens where there are only illegitimate practices and legal chicanery in brain injury cases? Everybody planning to watch #Concussion?

Find Physiatrists and Neuropsychologists and their inter-disciplinary teams for helping Injured Workers with brain injuries, and stop relying on Orthopedic Surgeons who admittedly know little to nothing about brain injuries, although along with chiropractors who are the first doctors often seen after a slip and fall or foot ball injury or car crash.  Most experts will not play the killing games of Workers Compensation, as they took an OATH TO DO NO HARM.  Did you?

Also, encourage investigations into who writes these regurgitations called reports, without benefit of legitimate medical evaluations, and how much money is wasted. Investigate why/how defense firms can have the pattern and practice omission of hundreds of pages of medical records with intent to deny medical care.

Governor Brown, could you kindly have the Attorney General Investigations of corruption at the highest levels of Workers Compensation, and encourage Governors across the USA to do like-wise, and dispatch the National Guard to protect injured workers from these WorkCompsters? The FBI stands ready to help and maybe even the District Attorneys.   Thanks a bunch!


santa and nsa

  1. Dr. Jaime Whitlock – DC
  2. Dr. Jay SanVictores – MD, GP – Urgent Care
  3. Dr. Daniel DeGoede – Clinical Psychologist
  4. Dr. Esmail Sebti – Neurologist
  5. Dr. Gurvinder Sunny Uppal – MD, Orthopedic Surgeon
  6. Dr. John Lambros – MD, ER
  7. Dr. Christopher Hancock – MD, Radiology
  8. Dr. Eileen Kang – NeuroPsychologist
  9. Dr. Stephen Waldman, MD, Neurologist
  10. Dr. Lynda Wells – PhD, EEG NeuroFeedback Practitioner
  11. Diana Wallace, Acupuncturist
  12. Dr. Marcel Ponton – Clinical Psychologist, Neuropsychologist
  13. Dr. Gunn, Neuropsychologist
  14. Dr. Khalid Ahmed – MD, Orthopedic Surgeon
  15. Dr. Hoang – Optometrist
  16. Dr. Nguyen – Optometrist
  17. Dr. David Patterson – MD, Physiatrist
  18. Dr. Tyson Chung – Clinical Psychologist
  19. Dr. Gilbert Jaudy, DC – FACFN, FABVR, CCST, Functional Neurology
  20. Dr. Jacob Rabinovich, MD – Orthopedic Surgeon
  21. Dr. Bijan Zardouz, MD – Neurologist – QME
  22. Dr. James O’Brien, MD – Forensic Psychiatrist, AME
  23. Julie Simmons- MA, PSY.D
  24. Dr. Darren Bergey – MD, Orthopedic Surgeon
  25. James Lanier, PA
  26. Crystal Crites, PT, MPT
  27. Jennifer Diemart, MA, CCC-LSLP
  28. Dr. Eric Ikeda – Neuro Optometrist
  29. Debra Outlette, MS, OTR/L
  30. Don Risser, Acupuncturist
  31. Dr. Ronald Kent – MD, Neurologist, QME
  32. Dr. Lynn Lowell, OD, FAAO, FCOVD
  33. Dr. Seymour M. Young, MD – Neurologist
  34. Dr. Hilda Chalgujian, Neuropsychologist
  35. Dr. Michael Lobatz – MD, Neurologist
  36. Jessica Martinez, OTR/L, HTC, PAM
  37. Kelly Owen, MA, CCC-SLP
  38. Margaret Fuller, MA, OTR/L
  39. Rebecca Askew, MPT
  40. Suzanne Carr, DPT
  41. Catherine Fabian, AuD
  42. Julie O. Johns, AuD, CCC-A
  43. Dr. Jeffrey Holmes – MD, Orthopedic Surgeon
  44. Dr. James Pasino – Neuropsychologist
  45. Dr. Jay Jurkowitz – MD, Neurologist
  46. Hoag Memorial – ER
  47. Dr. Christian Reichart, DC

doctor strike

CORVEL TEAM SINCE 2013, 3D Practices — They even harm Cops, right Mayor Betsy?  Did the Unions get to the bottom of the bad behavior by Corvel out in Ft. Worth yet?  You should see how Injured Cops and Firefighters are treated in California. Shameful, indeed!  Reams of Denials via CorVel for ADJ8181903! (Chronoloical Order, 2013 to present….notice a pattern of expertise of denying parties?)  CorVel reports tend to be convoluted regurgitations of disorganized and incomplete medical records, violations of HIPPA rights, and inappropriate reviewers for types of injuries.  Readers may opine that the submitting RNs wrote the reports, poorly and incoherently, for the most part.

  1. Grace Napoles, RN – Utilization Management Department
  2. Keith Louwenaar, MD – American Board of Orthopaedic Surgery, CorVel “Physician Advisor”
  3. Kevin Patterson
  4. Cathy Arnett
  5. Joanne Palladino, RN, MSN, CNS – Utilization Management Department
  6. Lailannie B. Matthews, RN, BSN – Utilization Management Department
  7. H. Leon Brooks, MD, American Board of Orthopaedic Surgery
  8. Angie Garber
  9. Sloane R. Blair, MD – American Board of Orthopaedic Surgery
  10. Linda Grant
  11. Melinda Rubel, RN – Utilization Management Department
  12. Maureen E. Mackey, MD – American Board of Physical Medicine and Rehabilitation
  13. Lexi-Welanetz-Bursin, Psy.D., CA – Clinical Psychologist
  14. Jean Caldwell, RN BS CCSM JC
  15. Kenneth L. Nudleman, MD – American Board of Psychiatry and Neurology
  16. Harish Porecha, MD
  17. Jennifer Tayag-Castillo, RN, BSN – Utilization Management Department
  18. Elena Vega, Supervisor, Utilization Management Department
  19. Jeannie Romero, RN – Utilization Management Department
  20. Lorne S. Label, MD – American Board of Psychiatry and Neurology



Dr. Paul Manchester, MD, MPH – Medical Director, Specialty, Neurological Surgery


In the observed slip and fall backwards on ice by Wyndham Worldwide Vacation Ownership Sales Executive Linda Ayres on 1/9/12, the following people have been involved in the case, evaluations and determinations of care for a well diagnosed concussion/traumatic brain injury/closed head injury/ptsd and more.  Summary statements in this blog:  Surviving Work Comp — Just Do It!

brain concussion tbi

See this blog since Summer 2013 index for mention of ICD-9 Codes. Use the Search Key, too.

Orders are face to face medical exams for the first set of chronological providers, separated by year by an underline….starting in 2012. (Blatant disregard of ACOEM/MTUS guidelines, but that’s for another blog.) Second set are CorVel and Maximus regurgitation reports, apparently written by RNs or others and signed by a variety of doctors, citing guidelines for necessary treatment, and somehow denying it anyway.  Plenty of expensive bla bla bla.  DO THE MATH. FOLLOW THE MONEY. ASK MORE QUESTIONS?

brain concussions football

For now, let’s just make the list.  Is your name on it?    “Let’s get started.”  Remember, all of these people have made money for seeing/knowing the Injured Worker.  Did they all provide “care” or “medical treatment”?

In contrast, Injured Worker was denied benefits, denied medical care, forced to file for welfare with Social Services and rely on the charity of friends and the Salvation Army—-proving that with Wyndham Timeshare, there are “No Free Gifts” and there is blatant and callous disregard for lives of injured workers and customers.  A friend shared this link with more news on how Wyndham Worldwide behaves in the global marketplace.

While WCAB seems to deem “evaluation after evaluation after evaluation” as evidence of InjuredWorkers receiving medical care, the Information and Assistance Officer, last resort for help for unrepresented Injured Workers, is not a doctor, nor a lawyer, and practice without those licenses is questionable indeed.

Concussion GOOGLED 9 3 2015 828 am pdt
Join the Discussin — you or someone you love could be next!

The dubiousness appears compounded when good doctors properly make legitimate and conservative recommendations for immediate and necessary care, only to have the recommendations denied by attorneys and adjusters in 2012, then, aided and abetted by Team CorVel.  Advising an Injured Worker to “have better control” of counsel when represented is a joke—if CAAA can’t police their own members, how can a Worker with a Brain Injury be expected to know when representation proves to be totally incompetent, dangerous, and worse?

CAB Commissioners and DIR seem complicit in the Gravy Train, at least in this case, which so many Super Lawyers indicate is ‘just how it is’ — happens to everyone — very common case, or maybe they just don’t know.  More on attorneys in another blog.

Follow this blog for more details that everybody knows but has kept the dirty secrets behind closed doors, while American workers and taxpayers pay and pay and pay—-with life, liberty and justice for none attacked by the Workers Compensation maiming killing brigades.

By the time you finish reading this blog, you will have a better idea of why Workers Compensation Survivors call it a GRAVY TRAIN WRECK.  (Some of these doctors were paid by CNA, some were paid by CIGNA, some were paid by the Injured Worker (unreimbursed medical expenses and miles to date exceed $43,300 – failures to receive adequate treatment have caused permanent and irreparable damage to IW.

Without WorkersCompensation, legitimate insurance would have facilitated care that would have been immediate, expert, reasonable, beneficial and IW may have returned to work within months, back in 2012. Without care, Injured Worker has been advised to make plans for Assisted Living in light of risk of dementia, with a need for personal assistance now.  Thanks WorkCompsters!

See the rest of the Wyndham Worldwide Workers Compensation Gravy Train Wreck here, ASK ABOUT WORKERS COMP CORRUPTION AND GRAVY TRAINS NOW



  • Ask about “Your Radiation This Week” and “…remember to Dodge the Rads, it’s dangerous out there!”

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


NAIDW 54 million plus


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.


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.


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.


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.


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.


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
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).  


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.  


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…  


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


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 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??


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


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?


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

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???


Here’s what they say about attorneys:   (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.


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.


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?


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?


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?


“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.”


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?


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


• 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.)


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?]



“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.



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.



psychopath advisory

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


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?



‘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.  


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.  


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?


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?


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.


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


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?


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.


WHAT A #GrandBargain WorkComp is, huh?

go save yourself from the zombies



to be continued

WorkCompsters – #DNN List – Are you on the “A” list?

Who has been Naughty or Nice in the Mega Billion Dollar “PROFITS BEFORE LIVES” #WorkComp Industries?   David DePaolo, you take the NICE LIST, Injured Workers will deal with the NAUGHTY LIST.   “Let’s get right to it!”   (Poll included below; voting practice!)

As you know, the fabulous #WorkCompCentral annual #CompLaude Awards is coming up, and their team is counting on YOU to discover and nominate some of the best of the best in the field of Workers Compensation.

CompLaude 2015 Nominees

flag distress signal

This year, it is a national event, with, we hear, a touch of international flair with a keynote speaker.  Perhaps next year the Awards Nominations will expand even future, to including all nations.  For those in the industry who may be challenged to understand the meaning ofon or before August 31, 2015 (as was the case in a recently aborted mediation effort) what it means is NOT AFTER AUGUST 31, 2015.

KISS! Here’s the link to the Nomination site; make your nominations on or before August 31,2015.    PARTICIPATE.  FIND THE GOOD PEEPS IN WORKCOMP, NOMINATE THEM, ACKNOWLEDGE THEM, AND STRENGTHEN THEIR HANDS.   My PUBLIC Acknowledgement list follows soon to confirm that yes, I have met some fine, decent people in my fight to survive WorkComp Terrorism and Chicanery as an Injured, now Permanently Disabled Older American Female Worker since 1/9/12….from that, nominations will be submitted to the WorkCompCentral team BY OR BEFORE AUGUST 31, 2015.



In WorkComp, as is Life, identification of problems is a first step in establishing solutions.


In addition to the ‘problems” identified in the InjuredWorkerBlog,  #IWblog, ASK ABOUT WORKERS COMP GRAVY TRAINS, another way of looking at the content might be as a suggestion to ASK ABOUT WORKERS COMP CORRUPTION AND SKULLDUGGERY.  In more than 3.5 years, no agency or institution or law firm or organization has been found to be qualified, able and willing step up to the plate and cause resolution and settlement of the tragic handling of California Workers Case, Linda Ayres Vs. Wyndham Worldwide, ADJ8181903.   So it is.



Since there are unlikely to be any investigations of the deviant handling and skulduggery involved in this case by the District Attorney, the FBI, the Department of Justice, the Department of Insurance, the Department of Labor— best possible next action seems to be to just create a DNN LIST — DO NOT NOMINATE — for CompLaude Awards, Best Companies, Best this or That—-pending further investigations by an organization such as ProPublic and NPR, the facilitators of THE DEMOLITION OF WORKERS COMPENSATION.

Demolition of Workers' Comp


skullduggery awards

Watch for the #WorkComp #DNN List …. coming soon:


  • Medical Comp DNN
  • Legal Comp DNN
  • Comp Bloggers DNN
  • Individual Comp DNN
  • Injured Worker Comp DNN
  • Leadership Comp DNN
  • Employer Comp DNN
  • Service Comp DNN
  • WorkComp Commissioners and Judges DNN
  • Law Enforcement Agencies DNN
  • International Recognitions DNN
  • With a special category to also include WorkCompsters- #SMFH

Skullduggery Awards further

Through a sifting/filtering process, then this Injured Worker can get right to the NOMINATIONS FOR THE 2015 WORKCOMP CENTRAL #CompLaude Awards. David DePaolo gets big kudos for creating such a valiant national effort.   I really do have several nominations to submit.    It’s been a busy month, dodging Rads, and dealing with frivolous orders to compel, and more financial chicanery and terrorism.  Watch for the DNN List…. It may  Annoy or it may Inspire and Surprise!

Thanks to Medicare and the 3.5 years of WorkComp delay, deny, deceive, I have some legitimate doctor appointments this week!  Thanks for reading and sharing.  More follows very soon!   You’ll appreciate the DNN list, too.

Oh Oh… PS…. If you have never taken a look at the  ASK ABOUT WORKERS COMP GRAVY TRAINS blog page of RESOURCES, CHECK IT OUT.  It includes some of my favorite peeps and services and providers.  It will be revised to include others.  Will you be listed on the “Naughty or Nice List”…

WorkCompLinda Twitter



Ask About #WorkComp #Timeshares and The Hague

Hey Fred… One of the work comp doctors suggested that if I have human rights violation complaints that I take it to The Hague.

I have no idea how to do that, but if we can find a way ….are you in, and do you think we can find a bunch of Canadians to join a bunch of Americans to expose fascist criminals?

Doctor’s Trials for the 21st Century #NouveauSonderkommando #NouveauNazis. I hear we may need citizens tribunals as a first step and I think Americans would have to help the Canadians and the Canadians might have to help the Brits the Brits might have to help the Aussies who might in turn have to help the Americans…..

I will be publishing a list of all the doctors that I have been exposed to, all who have profited by reports they have generated… Reports that have been good bad ugly truthful and fraudulent… I won’t separate them out yet… But if they touched my case they need to be named. The innocent will rise to the top and the proper authorities can sort them out.

I am only three and a half years into this fight for my life, along with the lives of others injured workers around the world… maimed harmed tortured and prematurely killed by these creatures.

In your experience do you know of any other workers who have attempted citizens tribunals, in what countries, and with what success if any? WORKcompLINDA@GMAIL.COM

I don’t believe there are any attorneys or agencies in the United States of America who will help us… They would have done so by now.

What do you think?

mlk hitler germanymon political language

PS  Must absolutely include the Lawyers and all complicit that appear to be leading the raids and terrorism practices…



Travel and Tourism bigger employer than automotive, mining and financial services combined

The report shows that Travel & Tourism comes third out of the eight researched sectors, after retail and agriculture. The industry supported 277 million jobs in 2014, which is 9.4% of world employment.

With 105 million people directly employed in 2014, the industry globally employs:

  • 7 times more than automotive manufacturing (14 million)
  • 5 times more than chemicals manufacturing (20 million)
  • 4 times more than banking (27 million)
  • 4 times more than mining (27 million)
  • 2 times more than financial services (59 million)

According to the report, Travel & Tourism is the second-fastest growing sector globally. Forecast to grow at 3.9% per annum over the next ten years, this industry’s growth will outpace the global economy, which is estimated to increase by 2.9% per annum over the next decade.

The research shows that Travel & Tourism, generating US$ 7.6 trillion in contribution to GDP in 2014, is the fourth largest sector after mining, financial services and retail respectively.  

[Emphasis added by blogger to highlight that this industry fails to provide medically necessary treatments to injured workers and is complicit in bullying and terrorism of injured workers by refusal to manage their agents of workers compensation insurance, giving the appearance of collusion with intent to maim and cause permanente disablities to workers over the age of 35, injured on the job.  Note that RCI is one of the very many Wyndham Worldwide companies; see also LINDA AYRES VS. WYNDHAM WORLDWIDE ET AL ]

See full article at:



Check this out:
From Bob’s Cluttered Desk….    Is Workers’ Comp Getting Mixed Signals from the Feds?

“….It might be paranoia, but the suspiciously coincidental release of the highly critical ProPublica/NPR report and the equally scathing OSHA report on workers’ compensation raised many eyebrows in the industry. One only need review the titles of these two reports to get the gist of their content. The ProPublica report, entitled “The Demolition of Workers’ Comp”, was the first in a series of articles looking at many “worst case” scenarios within the comp system. The OSHA report title, “Adding Inequality to Injury: The Costs Of Failing To Protect Workers On The Job”, pretty much says it all regarding the intent and outcome of the report. This balanced work, produced with our tax dollars, and using wholly scientific phrases such as “Statistics are People with the Tears Washed Off”, eviscerated employers and workers’ comp, alleging that we essentially renege on up to 80% of injury costs across the nation….”   READ THE ENTIRE ARTICLE HERE:

Wouldn’t it be great if the feds… Including but not limited to the Department of Justice and the FBI would commence investigations into the criminal corruption that permeates the work comp industries, maiming and further injuring the workforce and shareholders, for the profits of the few, causing permanent disabilities, then shifting the costs to the Federal agencies?
Or, as a WC Doctor suggested to an injured worker, ‘If you have Human Rights Violations Complaints, take it to The Hague’ — caching!  $7k for a false report to deny medical care.  Ditto for two peers with QME designations.
Because of the work comp system, and SS type policing policies and how it overlooks crimes against injured workers nationally, I am now permanently disabled, also with thanks to their  failures to treat combined with bullying and terrorism for more than three years.
Super Lawyers have assured me that my case is very common. Demolition of work comp is happening, and the investigators at ProPublica and OSHA have just scratched the surface of the corruption. They need to dig deeper, and the feds need to help. Yes, trials for the #NouveauSonderkommando are over due, imho.






United States
Costa Rica
Côte d’Ivoire
Czech Republic
Dominican Republic
El Salvador
European Union
Hong Kong SAR China
New Zealand
Puerto Rico
Saudi Arabia
South Africa
South Korea
Sri Lanka
Trinidad & Tobago
U.S. Virgin Islands
United Arab Emirates
United Kingdom


#InjuredWorkersUniting #Silenced No More

mon political language

#WorkComp: It’s Complicated or Obfuscated?

work comp guidelines

Linda Ayres “It’s Complicated or Obfuscated?”  vs Wyndham Worldwide – EDD and CNA and SSA  TTD, PD, and More

WorkComp – ADA, AME, CNA, CorVel, DOJ, EEOC, FBI, Grancell, IMR, Maximus, QME,  WCAB, WorldMark, WyndhamWorldwide – ET AL

TO STAKEHOLDERS, SHAREHOLDERS AND OTHERS TO WHOM IT MAY CONCERN:,,,,,,,,,,,,,,,,,,,,,,,,,, Faith.Taylor@WYN.COM,,, PATRICIA.LEE@WYNDHAMWORLDWIDE.COM,,,,,,,,,,,,,,, Barry.Goldstein@WYN.COM,,,,, Denise.Norman@WYN.COM, Nelson.Leiser@WYN.COM,,,


Hi Pamela at The Advocator  (and other interested parties and Stakeholders):

Thank you for your constant kindness and helpfulness.  Attached are the requested EDD pieces regarding disability payments shifted from the insurance carrier, CNA, in their willful and callous disregard of California Labor Codes in 2012 and questionable accounting practices since then.

(In this ongoing fight for my life, the Public Version of this missive is located at

The good news is that Tina Jordan, HR Regional Director at Wyndham Worldwide in San Diego graciously and kindly authorized the discount hotel vouchers so that I will be able to continue the Coastline Acquired Brain Injury Program for the Summer Session, which begins June 20th and she kindly said more are needed, to let her know.


There is a company that, as part of their cost-savings recommendations, recommends that Employers send ‘get well cards’ to their injured workers immediately with regular communication toward return to work.  (My address is below if any stakeholders want to begin to implement such a program and see where it takes things.)  More tips below.

As most of you know, Wyndham HR was advised, apparently by defense, that they could not even speak to me, and when in December 2014 I attended a public open house – no resume required – come meet the managers and find out about Wyndham Worldwide – I was the only attendee from the public, but management made me sit in the empty room for about 45 minutes then politely told me they could not talk to me, couldn’t help me in any way, and that I would have to leave.  I was able to see a few former co-workers as they left the office, and that was fun and heart warming.  I told one former manager that I’m not quite right in the head yet and he, in kind and sales professional form say, ‘Don’t you worry about that, when you come back we’ll help you get your mojo back…’ or words to that effect, being encouraging and welcoming.

Coastline ABI Program is helping me discover compensatory skills to ‘do life’ again, and I am very grateful.  It was the kindest letter I have received from Wyndham since the injury, and I hope to hear back on extension of leave accommodation requested, and that we will commence the interactive process required by FEHA, so that I can get back to work when medically released.

The doctors are not hopeful of my return to work this year, but I am.  A second year at Coastline Acquired Brain Injury Program has been suggested by multiple people, and I do not like the label of being “100% disabled”… accountant used the term on my taxes as she said, “Linda, it’s been over 3 years.  Do you really think you will ever be able to return to work?”  NOBODY LIKES TERM DISABLED, AND I AM DISABLED BECAUSE OF CNA’S REFUSAL TO PROVIDE IMMEDIATE REASONABLE AND NECESSARY MEDICAL CARE IN 2012.  Monsters, but friends tell me, “Those lawyers are just doing their jobs” and I always say, “So did the Sonderkommando!  Just following orders is an insufficient defense!”

Here is the EDD  6/1/ 15 “Explanation of Benefit Payment Record” from 2012 through 2014. [available to the public upon request at]  Also attached are CNA print outs.  [Available to the public upon request at]  My math skills have been reduced dramatically since the injury, and I can’t make senses of any of this.  I just know that CNA has gotten away with some pretty coarse ‘cooking of books’ and violations of labor codes in initial refusals to pay TTD, refusals to provide medical care, and continuous outrageous refusals to reimburse simply miles to their doctors, and medically necessary treatments that were recommended but denied by non-doctors—being lawyers and adjusters without medical expertise, further evidenced below.

I am awaiting response from appeal of February/March 2015 from another industry leased/owned company called MAXIMUS.  Defense sent them exparte records with probable intent to continue to deny medical care, and we’ll see if Maximus deals with medical realities or just follows orders of their benefactors. CorVel certainly appears to follow implied directions of the defense counsel, even when an idiot would questions some of the directions.  A YELP review of some of their doctors, including their acupuncture and dope dealing neurologists who perform ‘independent medical reviews’ on behalf of CorVel  would make you laugh, to lighten the intensity of the allegations herewith.  FOLLOW THE MONEY, ALWAYS FOLLOW THE MONEY.

Will you let me know the findings of your accounting people also?  I am still working on organizing medical expenses to submit that may serve as further offsets.  I have spent more than $35,000 out of pocket to stay alive, despite the interference of CNA and their legal counsel in their continuous pattern of malicious, callous and willful harm, and ‘deny medical care by any means necessary’ approach to breaches of fiduciary responsibilities.

Now they want me to see an Ear Nose and Throat doctor for my brain injury, a doctor’s office that admittedly has no knowledge of brain injury.  As loss of hearing was mentioned in a very comprehensive auditory processing evaluation performed at the SCRIPPS Brain Injury Rehabilitation Program last summer (2014) now the Defense attorney wants an ENT to dispute it so they can continue to  refuse to provide auditory devices and auditory therapy.

That ENT request is the same nonsense as their leased/owned neurologists who have no clue that vision processing issues are a consequence of brain injury, and ‘corrected vision’ with prism lenses (that CNA also refused to pay for, or even authorize evaluations since 2012. The Judge refused my ADA requests to be seen and heard regarding this matter, as is another pattern and practice of WCAB Court I have experienced repeatedly since 2012.

I fullly expect Grancell to demand a podiatrist QME for my right ankle any day now.

I don’t know where the Workcompsters find their doctors and other participants, but it was heart warming to read about the recent bust of that dirty doctor ring in New Jersey last week.  I hope the FBI commences investigations into WorkComp, in California, with my case.

I don’t know how these records show the approximately $49K payout by EDD and the approximately $31K payback by CNA, with a bonus of approximately $18K by negotiated discount to CNA, apparently from Taxpayer coffers?

By copy, I am letting the CNA Adjuster know the actuals paid by EDD and asking if CNA wants to adjust their allegations that they “paid 104 weeks”…. the schedules of payments certainly dispute that, don’t they?  They may also want to revisit their legal responsibilities to pay on-going estimated permanent disability payments commencing 14 days after last TTD payment….which appears to be … May 2014 by EDD?


Sincerely, With Thanks,
Linda Ayres, IN PRO PER
cell:  760 368 7236
PO BOX 835
Yucca Valley CA 9228

political language (2)

#1  Employers that send GET WELL CARDS to injured workers and maintain communications achieve better return work results and over all outcomes.  See more here:

#2  Google Manage My Fatigue for a new app released by one of the instructors at Coastline Community College, with an aim to assist the Department of Defense in a simple app (utilizing more than 25 years research of helping Acquired Brain Injury Survivors deal with cognitive fatigue and reintegrate into mainstream life post TBI, and post concussion and post PTSD.   Michelle Ranae Wild can also be found on LinkedIn.

See comments by Master Sgt. Steckman, a fellow ABI Survivor at Coastline and cast your vote at the DoD link:  

#3  “Your Radiation This Week” ongoing weekly series contains information that impacts not only the hospitality and travel industries, but also the risk management arms of the insurance industries.

Bob Nichols, Writer and Contributor at VETERANS TODAY  has written extensively on nuclear matters, pre-and-post Fukushima.  The #Wigner Effect may end up being one of the very visible consequences with the least plausible deniability in the coming days/years, as more planes crash and burn. Aviation catastrophe attorneys may soon be finding an uptick in their businesses.  Even drive-to-destinations are impacted, as you will see that Bakersfield, California is the Champion of CPMs in the USA …. (highest radiation readings as of last week)…. Remember remember to also ASK ABOUT FUKUSHIMA NOW, and don’t believe the pro-nuker propaganda that ‘there is no immediate danger.’


#4  ASK ABOUT WORKERS COMPENSATION GRAVY TRAINS is an amateur effort to increased awareness of Brain Injury and the horrors of the common practices of WorkComp insurance carriers such as CNA, which cost shareholders money, cost corporations loss of producing employees, and cost injured workers their hopes, homes, dreams and life….all for the mega profits of the few who are ‘just following orders’….

#InjuredWorkersUniting  #SilentNoMore

#5 Huff-Post has a series of contributors writing about Brain Injuries, that the adjusters and doctors might be wise to review. On the whole, it does seem that Brain Injury Survivors have much more information about symptoms, consequences and treatments that the vast majority of the AMA and ABA crowds..and LinkedIn has a wealth of resources, as does Facebook.  THINK THINK THINK MOFOS thanks


#CountOnMe is a favorite Wyndham Slogan, so to each and all of you, i remind you, I AM INJURED, NOT STUPID; #CountOnMe…. to expose these atrocities and either help you correct them and/or help the FBI investigate and indict with probable cause and plenty of evidence.  For any of you who may be people of faith, you also know that ‘One person and God constitutes an Army….’





‘Wyndham  TIMESHARE SETTLES Brain Injury Case after 3.5 years for $3.5 MILLION’

Rock, Paper, Scissors!  ‘Balls, Boobs, Brains!’


“BTW – I keep asking for an attorney for you. It’s tough. The perception is that your case isn’t big enough under current law, so getting someone to pay attention to it is very difficult.”  – Anonymous

“So that means that breasts and testicles are more valuable than brains? !?” ASKS THE INJURED WORKER!


“In describing this class of traumatic brain injury”, says Asvar, “the term ‘mild’ is an absolute misnomer given the severity of possible complications and repercussions.” He adds, “Dismissing someone’s brain injury as ‘mild’ is akin to saying someone is ‘mildly’ paraplegic.” Chris Asvar, Esq.

Note:  Chris Asvar did his job for his young client: “LOS ANGELES – January 25, 2012.  Los Angeles-based attorney Christopher Asvar has just secured the highest known workers’ compensation insurance settlements in California history, totaling $8.9 million on behalf of his young client who suffered a work-place traumatic brain injury.”    

Note:  Romano Trust vs Sedgwick apparently gives #WorkCompsters a green light to maim and kill injured workers in California without recourse, and sometimes a fine of $100,000, if pushed.

America! America!  What a national shame!


rock paper scissors

 CNA / Grancell Defense Team apologizes for the misunderstandings and failures that preceded settlement.  CA ADJ8181903


Nawwww, they won’t even authorize prism neuro-optometric lenses or auditory processing devices, nor chiropractic and acupuncture for pain relief, nor will they replace resigned primary treating doctors without a Utilization Review, that there is no doctor to make such a request, and the CNA 25+ year veteran Claims Adjuster has no authority apparently other than to sign a form that says ‘it’s too early to determine if there is any permanent injury’ so we’ll look again in 90 days.  D’oh.  They didn’t pay temp total disability in 2012-2013, and the State did, then discounted payback, causing Injured Worker to lose the ’52 weeks’ that would have been available had they paid the 104 weeks, as required by law and directed to via Court hearing in April 2012.


They scoffed at the law and bullied the injured worker and doctors then, and continue to scoff  and bully today.  They have help.  CorVel and Maximus, and a handful of industry leased/owned doctors who write inaccurate reports that could be deemed fraudulent if taken to trial.  WCAB guidelines indicate estimated Permanent Disability payments are to commence within 14 days of final TTD payment, which was May 2014, in a chunk after EDD and local politicians became involved, since WCAB – Riverside refused repeatedly to help injured worker get treatment or benefits, in clear violations of ADA and EEOC.   Grancell continues the same course of action, profitting by taxpayer ignorance and apathy as they bilk California’s coffers and destroy the California WorkForce….



See details at   Someone else just recently did a blog on how #WorkCompsters value testicles over breasts. Astonishing!


They want me to see an Ear Nose and Throat Doctor to dispute an extensive auditory processing evaluation of last year performed at SCRIPPS Brain Injury Rehabilitation Center in Encinitas, California.  What’s next, will they demand that I see a Podiatrist to dispute the Audiologists, Neurologists, Neuropsychologists, Orthopedic Surgeons, Chiropractors, Acupuncturists and Functional Neurology Experts, along with Occupational Therapists, Physical Therapists and Speech Therapists, and focus on the often referenced sprained ankle of 1/9/12?  Oh yes, I think they need a dozen neuro-psych reports till they find one they like; “Doctor Shopping and File Churning” enhances bottom lines for WorkComp Defense firms?  D’oh! In November 2012, defense attempted to coerce settlement of the customary $100,000 after initial attempts at obfuscation of medical evidence and failures to provide necessary evaluations and treatments that first year.  Their report of future medical was extensive— and that was prior to getting all the facts of the actual extent of the injuries.  What say their Risk Peeps now.  They are all looking at my LinkedIn Profile.


Anybody with “Juevos” at CNA willing to step up to settlement?  Maybe somebody from Thomas Motamed’s office?


For the record, treatments and evaluations provided by Grancell/CNA and self-procured are discussed in these blogs:


Well, at least the ‘cost burden has been shifted’ to the Social Security Administration and Medicare due to the brain injury upon evaluation of all medical records.  How’s that for bilking the public after more than 3 years of torturing and causing permanent disabilities to an injured worker?   I am grateful and the experience at the SSA was kind, compassionate and an encounter with people of integrity, in sharp contrast to the horrors of Workers Compensation experiences.

Stephen Hawking

Add the approximately $16,000 CNA was paid by the State of California in the form of a deep discount on reimbursements for EDD payment in the first year because CNA refused to pay TTD?


CNA is really making big bucks on this “Exclusive Remedy” huh?


How much does the insurance broker make in commissions on the Wyndham account?  SEC or some regulatory agencies requires Wyndham to provide such information to shareholders when requested; I have requested approximately 5 times in more than that many months, to no avail.  It may have something to do with allegations that the Wyndham Board and Risk Management have some members with questionable ties to the insurance industry?  I heard the stories, but they didn’t quite compute in my brain.

#WorkCompChat; O SAY CAN YOU SEE?


flag distress signal

Could the lack of  competent representation for injured workers be related to these issues?

Below are more insights for possible incorporation to future industry blogs…from an Injured Worker point of view, and something the legal people alleging to represent injured workers are also clueless about.
Attorneys in CA like to shrug and say they know nothing about Social Security and Employment Law and ADA Compliance and how it all interfaces with one the big scam.
Heck, even the Defense Counsel who is a “Partner/Shareholder” boasts of his incompetence regarding ADA and Employment Law!  D’oh!  It takes a Psychopath, huh?! A WorkComp attorney who is oblivious to SSA guidelines, ADA, Employment Law and social media fight-back-work arounds is an idiot and a menace to society, imho.  Ditto for return to work trials, guidelines, strategies etc.
Social Security has a rehabilitation component called PASS (available to me for the next year or so) where they may help me create a consulting business or something I can do from behind my computer, if Wydham continues to fail to engage in the interactive process, and particularly if they wrongfully terminate me.  There are also some tax incentives to corporations that hire disabled Americans.  I am hopeful that if I cannot return to face-to-face selling that Wyndham may create a position so that I can help clean up the desperate EPIC FAIL of a WorkComp system currently in place, and that I may be able to help train HR and Staff on proper handling of workplace injuries, and when to do simple things like “CALL 911”
The SSA paperwork also advises me to submit medical expenses that I had to pay within 30 days, which it sounds like they may reimburse since CNA refused to.  A friend may help me assemble that next week.  It’s half done, like so many of my paper projects.  Pure cost burden shifting, and that’s one of the items I will ask the Senators to help me with.  Somebody can reimburse my $30k out of pocket medical and rehab expenses, and the shortfall of $18,000 California gave in the form of deep reimbursement demand discount to CNA for refusing to pay TTD in 2012 – 2013 .  Offset for my shortened life span and loss of earning capacity, along with potential devasting future medical is a factor.  Continuation at the Coastline Acquired Brain Injury Program through December 2015 is very important to maximize potential return to work, although a second year is recommended, and both will be impossible without funds. Your try living on $1,700/month with a mountain of bills behind you, and a brain that works like a 286 computer on dial-up, with virtually no working memory. Does a $20,000 annual income put me in the sheer poverty category?  That’s a very harsh transition from being a fun-loving, globe trotting vacation sales executive, unable to return to work due to auditory, vision, speech and other processing issues from the fall of 1/9/12.  The manager said, “Just rub some dirt on it and you’ll be fine’…. nice try, but it didn’t work.
If you know of a California attorney with integrity, courage, smarts and staff to take on this multi-dimensional case, please contact me directly at or via phone at 760 368 7236.  Know that the Defense Firm is big on bullying doctors, injured workers, and even, apparently, structured settlement peeps. D’oh.  Mediation was repeatedly refused by defense.  Callous disregard for human life is the SOP, along with bullying and threats and blatant disregard for law, order and life.
It is my hope and intention to return to work by the end of the year, even though all the medical evidence indicates that is highly improbable due to the extend of the brain injuries.  Yes, I can type, but if any CAAA attorney believes that the ability to type indicates no brain injury, they should turn in their license to practice.  They are  incompetent to allege to represent any injured worker, let alone a brain injury case, and such ignorance and incompentence presents imminent danger to the working public.
Remember the quote by Chris Asvar (who won’t take the case because prior counsel and too many others ‘didn’t do their job’)…..I’ve asked again, but won’t hold my breath on a response this year either.  Read it again.  LET IT SINK IN.
“In describing this class of traumatic brain injury”, says Asvar, “the term ‘mild’ is an absolute misnomer given the severity of possible complications and repercussions.” He adds, “Dismissing someone’s brain injury as ‘mild’ is akin to saying someone is ‘mildly’ paraplegic.” Chris Asvar, Esq.




How is it that the people profitting by maiming and abusing brain injured Americans can continue to get away with their vile legal chicanery without due process, without representation, and in clear violation of the Constitution of the United States of America?

constitution  too long didnt read

Who supports such treason and attacks on the working population of America?

Will the US Attorney General investigate California’s workers compensation corruption and war on workers now?  CC: #CAAA Members.



#InjuredWorkersUniting #SilentNoMore #WOW

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