Signing a Medical Authorization for the Insurance Company after an Accident
As Pennsylvania personal injury lawyers, our new clients frequently ask us if they must sign a medical authorization for the insurance company after a car accident, after a work injury, or after a slip-and-fall accident. Given the numerous types of insurance claims out there, there is no universal answer, which is why it is always best to call an attorney to discuss your rights before giving the insurance company what they want. Sometimes the insurance company is entitled to a medical release or authorization, and sometimes they’re just trying to pressure you to give them more than they’re permitted by law. If an insurance company is requesting that you sign an authorization for your private medical records, you should call our law firm at 1-800-999-0750 to speak with an attorney for free.
Medical Authorizations and Insurance Claims for Negligence (Car Accidents, Slip-and-falls, etc.)
In Pennsylvania, if you’re making an insurance claim for compensation, lost wages, medical bills, pain and suffering, et cetera, against someone else’s insurance company, you do not normally need to sign an authorization for the other insurance company to fish through your medical records to look for reasons not to pay your claim. That said, the insurance company does need relevant medical records to determine the extent of your injuries and fairly evaluate your claim. With this, there is a delicate balance that must be struck, which is why you should always hire a personal injury law firm to represent you in your case. Our lawyers front expenses for medical records (which can cost hundreds of dollars), review your records, and provide the insurance company with reasonable, relevant medical records to support your claim. When the insurance company fights for more and starts issuing subpoenas, we fight to protect your privacy. If an insurance company is requesting that you sign an authorization, you should call our law firm at 1-800-999-0750 to speak with an attorney for free. Not only will we protect your privacy, we’ll help you fight for a fair outcome.
Medical Authorizations and First-Party Insurance Claims (PIP, MedPay, UM/UIM Benefits)
In Pennsylvania, when you’re making a claim for your own insurance coverage, completely different rules might apply. In many insurance policies, individuals seeking their own first-party coverage (like Personal Injury Protection / PIP, Med Pay, Uninsured and Underinsured Motorist Benefits) contractually agree to provide their insurance company with executed authorizations such that their own insurer can gather whatever records they deem “reasonable” and “necessary.” While this discretion isn’t infinite, it is extremely broad. Failure to comply, in some instances, can result in a denied claim or worse. If your own insurance company is requesting that you sign an authorization, you should call our law firm at 1-800-999-0750 to speak with an attorney for free. We’ll review your policy and make sure your rights are protected.
Medical Authorizations and Workers’ Compensation Claims
In Pennsylvania, after a work injury, it seems like everybody wants to comb through your medical records to blame your injury on something (or someone) else. Even without you signing an authorization, treatment paid by workers’ compensation is normally exempted from HIPAA, which permits your medical providers to give your work-accident-related medical records to the workers’ compensation insurance carrier along with your accident-related bills. This exemption, however, isn’t unlimited. You do NOT need to sign authorizations for Nurse Case Managers (and, if you have been contacted a nurse case manager, you should read this article and call us immediately) and workers’ compensation insurance carriers are not permitted to embark on fishing expeditions throughout your entire medical history. Such behavior is especially important to avoid, given the close relationship between the workers’ compensation carrier and your employer. Why should your boss get to know about your medical history? If a workers’ compensation insurance company is demanding that you sign an authorization, you should call our law firm at 1-800-999-0750 to speak with an attorney for free. We’ll help protect both your privacy and your claim.
What should you do?
Regardless of what’s going on, if you’ve been injured and are dealing with an insurance adjuster who is pressuring you to sign an authorization for the insurance company to gather your personal medical records, you need a lawyer now. Call our personal injury law firm at 1-800-999-0750 for a free consultation with one of our experienced lawyers.
I received a letter from Equian, Rawlings, Optum, First Recovery Group, etc. What do I do?
After receiving medical treatment for an injury, it’s normal to receive a letter from a third-party subrogation company, such as Equian (or Rawlings, Optum, First Recovery Group, etc.), on behalf of your health insurance company. Equian (or one of these other companies) is contacting you to find out how you got hurt. If you were hurt in such a manner as to create a personal injury claim or a potential lawsuit (for example, a car accident, a work injury, a slip-and-fall accident, etc.), Equian wants to know, because your health insurance company might have a right to be reimbursed out of your settlement. If you received a letter from Equian after an accident, you should call our law firm immediately at 1-800-999-0750.
Should I respond to Equian’s letter or call them back?
Whether you have a duty to respond to Equian after receiving such a letter is going to be spelled out in your insurance policy with your health insurance company—a document you probably never read. If you weren’t hurt in any sort of accident, you’re probably safe to call and let them know, at which point they should stop sending you letters.
If you were hurt in an accident that might be someone else’s fault, you should immediately give Equian’s letter to your attorney. If you have a lawyer, you should not be contacting Equian directly. Additionally, you want your personal injury attorney to be aware of Equian’s letter, because failure to properly consider your health insurance’s lien against your settlement can have devastating consequences to both your case and your finances.
If you were hurt in an accident but don’t have an attorney, you should hire a personal injury attorney to contact Equian on your behalf. Our personal injury lawyers work on contingency and only get paid if we get you a financial recovery, We represent injured victims throughout Western Pennsylvania, from Pittsburgh, to Erie, and all the way to Bradford and Smethport.
What if I don’t want to sue the person who hurt me?
Equian can’t make you sue somebody if you don’t want to sue them. That said, it is still a good idea to talk to a personal injury attorney before talking to Equian. You need to be aware of your rights and responsibilities regarding this accident, your treatment, and your medical bills. Our law firm offers a free consultation that can be either over the phone or in person—you decide! Give us a call today at 814-452-6232.
Attorney Matt Lager Guest Lectures at Penn State Law
We at Bernard Stuczynski Barnett & Lager are proud to announce that, last week, our own Attorney (and Penn State Alumni) Matthew Lager guest lectured at Penn State Law for 2L and 3L law students who were taking Professor Erickson’s Workers’ Compensation course. As a former student of Professor Erickson’s Workers’ Compensation class (who previously held the distinction of achieving the highest grade in this course among his peers when he was a student), Attorney Lager was delighted to head back to State College and share his practice experience representing injured workers in Pennsylvania.
Because the course focuses on an overview of workers’ compensation law nationally, Attorney Lager spoke about Pennsylvania-specific legal issues from the perspective of an injured worker, sharing practice tips for helping to fight insurance companies. Attorney Lager also spoke to students about how the workers’ compensation litigation process affects injured workers and their families.
Are you an injured worker looking for legal help?
If you have been injured at work and are looking for an attorney to help you in your workers’ compensation claim, call 814-452-6232 to book a free consultation with Attorney Matt Lager. He’s happy to help and doesn’t charge any fee without a recovery.
Should I Settle my Pennsylvania Workers’ Compensation Case?
In Pennsylvania, workers’ compensation settlements are entirely voluntary. Workers’ compensation settlements require an injured worker and their employer and/or their employer’s workers’ compensation insurance carrier to agree on the terms and conditions of the settlement. Workers’ compensation settlement negotiations focus heavily on two components:
- The amount of a lump sum payment; and
- How long the employer/insurance carrier will continue to pay for an injured worker’s work related medical expenses.
An injured worker should not complete their assessment as to whether or not to settle their workers’ compensation case based only on these two components.
An injured worker must take many factors into consideration before determining whether settlement of their workers’ compensation may be in their best interest. The terms of a workers’ comp settlement are reduced to writing in a document known as a Compromise and Release Agreement. An injured worker wishing to settle their work comp claim will be required to testify in front of a workers’ compensation judge. The workers’ compensation judge will then make a determination as to whether or not the injured worker understands the rights they are giving up in exchange for the settlement.
Once a workers’ compensation settlement has been approved by a workers’ compensation judge the terms of the settlement are final. An injured worker should never settle their workers’ compensation case before first consulting with an experienced workers’ compensation attorney. Settlement of a workers’ compensation requires much more consideration than just a dollar figure. An experienced workers’ compensation attorney will guarantee that all factors have been given proper consideration prior to the workers’ compensation settlement being finalized.
More importantly an experienced workers’ compensation attorney will be able to explain to an injured worker how settlement of their workers’ compensation will affect other benefits (i.e. Social Security Disability, Pension, Social Security Retirement, Medicare, Medicaid) or claims (i.e. Third Party – Personal Injury, Social Security Disability, Social Security Retirement, Unemployment Compensation, Wage and Hour, Discrimination, ADA) the injured worker may currently have or will seek in the future.
Contact one of our experienced workers’ compensation attorney’s for a free, no obligation, meeting to discuss whether and under what terms settlement of your workers’ compensation claim is the right decision for your and your family’s future.
What happens to your Pennsylvania Workers’ Compensation benefits if you die?
In a typical case where a worker is receiving workers’ compensation wage-loss benefits for a work injury, all benefits stop upon that worker’s death. This is not to be confused with the case where an employee is killed at work. When an injured worker dies as a result of his work injury, there may be benefits available to any dependents and a lawyer should be involved immediately. But that is the subject for another post. If a loved one was killed at work, please call our office right away to schedule a free consultation.
The important point is that there is no general right for the surviving spouse or children to continue receiving workers’ compensation wage-loss benefits after the death of the injured worker, provided the injured worker’s death wasn’t work-related. This can have a devastating economic impact on the surviving spouse, who is already grief-stricken and then saddled with economic hardship from the spouse’s work injury.
I remember vividly the sad case of a young man that I represented many years ago. We negotiated a settlement for him, but he decided not to settle. A few months he came back and had changed his mind, and we were able to reopen negotiations. Sadly, within a few months of the settlement, he died unexpectedly of a heart attack. Fortunately, however, since his case was settled, his widow at least had some funds in the bank as a result of the previous settlement. Had he not settled, she would have received nothing after his unexpected passing.
There are many factors to consider in deciding whether or not to settle your workers’ compensation case. At Bernard Stuczynski Barnett & Lager, we offer a free consultation to discuss your injury claim. There are many reasons why a settlement of a compensation claim may or may not be advisable. Providing some peace of mind to your spouse may be a factor that you had not previously considered. If you wish to speak with one of our Erie lawyers. call us at 814-452-6232.
Can volunteer firefighters get workers’ compensation in Pennsylvania?
When volunteer firefighters are injured in the line of duty in Pennsylvania, they are potentially entitled to workers’ compensation benefits under Section 601 (a)(1) of the Workers’ Compensation Act, 77 P.S. § 1031 (a)(1), even though they are volunteering without pay:
(a) In addition to those persons included within the definition of the word “employe” as defined in section 104,1 “employe” shall also include…(1) members of volunteer fire departments or volunteer fire companies…
How much workers’ compensation is a volunteer firefighter paid?
Ordinarily, when receiving workers’ compensation benefits, an injured worker is entitled to a portion of his or her average weekly wage (averaging wages from all of his or her concurrent jobs combined). Interestingly, when a volunteer firefighter is receiving workers’ compensation and is unable to work, he or she is presumed to be earning wages equal to at least the “state-wide average weekly wage” for the purposed of calculating the amount of his or her wage-loss benefits.
This means that, whether or not a volunteer firefighter’s actual wages are equal to the state-wide average weekly wage, his or her wage-loss benefits will be paid as if he or she were earning at least the state-wide average weekly wage. As such, a volunteer firefighter will receive wage-loss benefits even if he or she is otherwise unemployed or even retired.
Should an injured volunteer firefighter hire an attorney?
If you or a loved one is a volunteer firefighter who was injured in the line of duty, you should hire a skilled Erie workers’ compensation lawyer to protect your rights. Insurance companies, unfortunately, rarely do the right thing. Our law firm offers free consultations to injured firefighters and does not charge a fee unless we obtain a recovery. With offices in both Erie and Smethport, our lawyers represent first-responders throughout Northwestern Pennsylvania. Call today to set up an in-person meeting with one of our Erie Lawyers at 814-452-6232.
How do I find a lawyer in Erie that charges no fee unless they settle my case?
When watching TV, you’ll see that many lawyers advertise No recovery, No Fee payment structures, wherein the lawyer won’t charge a fee for your personal injury case unless he or she gets you money by way of a lump-sum settlement or a verdict. During our free consultations, this is often the first question we get when meeting with a new client. Like all personal injury law firms in Erie, PA, we do not charge a fee unless we obtain a recovery for our client.
What is a contingent fee?
This sort of “no recovery no fee” arrangement is referred to as a “contingent fee,” and it is the standard practice for nearly all attorneys in Erie, PA that handle car accidents and other personal injury claims. When you see some of the heavy-advertisers focus on this structure in their commercials, don’t be fooled into thinking they’re the only ones that don’t charge hourly fees and don’t charge big retainers; they’re simply the only ones that shout about it on television. Knowing that this is standard practice for nearly all lawyers, you’re free to do your research and pick the best attorney for you without having to worry about draining your savings account.
Are contingent fees fair? Should I pay hourly instead?
Contingent no-recovery-no-fee arrangements give great power to personal injury victims who are looking for a lawyer: instead of being stuck with the cheapest option out there and operating on a shoestring budget, he or she can hire the best attorney in Erie to fight the insurance company on his or her behalf. Insurance companies hate paying out a fair value for claims and hire good lawyers to help minimize their exposure: our contingent-fee arrangements allow you to even the playing field and fight for fair compensation.
Who pays for the expenses in a lawsuit?
In addition to charging no fee unless we obtain a recovery, our firm also fronts all litigation expenses: what this means is that you don’t have to worry about coming up with thousands of dollars for expert reports, medical depositions, records, expert witnesses, et cetera. Because insurance companies spare no expense when it comes to building their case, we front the money for whatever it takes to prove the significance and extent of your injuries. Our firm doesn’t let insurance companies win by simply outspending us. We ensure things are fair.
What should I do?
If you have been injured in a car accident or have a workers’ compensation claim, don’t think that you can’t afford a good lawyer. Give our Erie, PA Lawyers a call and we’ll arrange a free consultation. If, after meeting us, you want to move forward—feel safe knowing that we don’t charge a fee unless there’s a recovery.
Many injured workers in Pennsylvania are worried that their boss will either fire them or retaliate against them for filing a workers’ compensation claim after a work injury. Although not unheard of, such an event is illegal and should not dissuade you from filing a workers’ compensation claim after getting hurt at work.
It is illegal for an employer to fire you for filing a workers’ compensation claim.
Employers propagate this notion that injured workers should “tough it out” after an injury and “keep quiet” in order to keep their insurance premiums down. This is why many workplaces have environments where employees appear to look down on their injured coworkers. This sort of environment is inappropriate and is designed to take advantage of you.
Unfortunately for injured workers, failing to report injuries or failing to make workers’ compensation claims can potentially prevent them from being compensated for their missed work or having their medical bills paid. If you fail to take appropriate steps after an injury, you could find yourself without a job, without health insurance, and with a disabling injury that prevents you from returning to work. Although it might seem frightening, you cannot let that happen. Fortunately, you don’t have to be alone in this fight. With our low percentage-based fees, anybody can afford to have a lawyer on their side.
Although it might seem counter-intuitive, after an injured worker hires a workers’ compensation lawyer, employers are typically on their best behavior. And if they aren’t, you at least have a lawyer on your side to help protect your rights.
What are your rights under Pennsylvania workers’ compensation law?
After getting hurt at work in Pennsylvania, you’re entitled to have your injury-related medical bills paid and you’re entitled to be compensated while you’re unable to work because of your injury. While it seems simple, it often isn’t. Don’t let your boss or the insurance company tell you that you aren’t entitled to workers’ compensation or pressure you into not filing. If your injury ends up more serious than you expect sometime down the road, and now you’re missing work and need a surgery you can’t afford, you very well could find yourself out of luck with nobody to help.
I want to know more.
If you have questions about the Pennsylvania Workers’ Compensation system or your case, please do not hesitate to give me a call. I don’t charge for consultations and, if you need to hire me, we only work on a contingent, recovery-based fee. Anybody can afford our law firm.
How do I file a Pennsylvania Workers’ Compensation Claim?
As workers’ compensation lawyers, injured workers frequently ask us “how do I file a workers’ compensation claim?” Normally, the reason they’re asking is because either their employer failed to report the injury to their insurance company or because the insurance company denied their claim, asserting that the injury wasn’t “work related.” If this happened to you, you need a lawyer.
You need a lawyer to help file your workers’ compensation claim.
It’s important to realize that “making a workers’ compensation claim” isn’t as simple as, for example, reporting a fallen branch on your roof to your homeowner’s insurance carrier. Making a workers’ compensation claim is more similar to litigating a personal injury claim in real court, as it involves multiple hearings, cross-examination of witnesses, and medical depositions. This is neither cheap nor simple and it is not something you should try to do without an experienced lawyer.
When I get involved in a situation where a claim needs to be filed, I file what’s called a “Claim Petition” with the Pennsylvania Bureau of Workers’ Compensation. This is just the beginning of the process. Soon thereafter, I am required to pay for and submit expert narrative reports, medical records, and conduct depositions of the treating doctors. This is both time consuming and expensive. It is not unusual to spend $4,000.00 litigating a workers’ compensation claim petition from start to finish.
We can help file your workers’ compensation claim.
When our office represents an injured worker, we work on a contingent basis and we pay all litigation expenses. We know that, when you’re out of work, you can’t afford to pay a lawyer’s retainer or be expected to spend $3,000.00 on a medical deposition. Importantly, in workers’ compensation claims, we never charge these expenses to our clients—we either get paid back by the employer or we don’t get paid back at all. We take the risk so you don’t have to.
If you’re wondering how to file a workers’ compensation claim in Erie, PA, Bradford, Smethport, or in Northwestern Pennsylvania, we encourage you to contact our office for a free consultation. If we can’t help you, we can at least point you in the right direction.
If I live in Pennsylvania, but I was hurt in another state, can I still file a workers’ compensation claim in Pennsylvania?
We often get asked by Pennsylvania residents—hurt in other states—if they can file their workers’ compensation claim in Pennsylvania. The answer to this question is “maybe.” Pennsylvania (and most states) provide that you may file a claim if you were hurt while working here or if you were hired here. So, for example, if you live in Pennsylvania, but were hired by a factory in Ohio and commute there every day, the answer is that your claim must be filed in Ohio.
However, if you were hired by a construction company and are injured while working on a project in New York, you can (and probably should) file your claim in Pennsylvania. Generally speaking, Pennsylvania benefits are better than both those of Ohio and New York. Of course, individual circumstances may vary.
Thus, the general rule is that if you were hired in Pennsylvania, and were injured in another state, it is necessary to examine the benefits in that state to determine if you should file in Pennsylvania or where the injury occurred. Please note also that some employers, notably trucking companies, often have employees sign agreements to file compensation claims in a certain state, often Indiana, which has laws that are very unfavorable to injured workers.
While these agreements are generally valid, we are happy to review your case to determine if there is some reason that it may not be enforceable. Any time there is a difference between the state of hire and the state where the injury occurred, it makes sense to seek legal advice to determine how best to proceed. At Bernard Stuczynski & Barnett, we are happy to review your injury claim with no cost or obligation. Give one of our experienced workers’ compensation attorneys a call at 814-452-6232 for a free sit-down consultation!