Injury Settlement from Liberty Mutual

[Wally]

So, last year I broke my ankle on the job. I was out from August through Christmas.

I got a call today from Liberty Mutual telling me that I have the option to schedule a "Limitation hearing" (i think it's called).

Basically they will be offering me a settlement to not claim this injury again. I have no idea what to expect, so any advice you all could share would be great. Thanks

Blow it on a new boat.

 

[Johney]

I think settlements are based on what the Dr. claims will be the cost of caring for your injury for the rest of your life and they will likely offer you 1% of that figure.

 

[coolslice]

Is

I just settled a case last month. Did you see my responses?

I did. Is there any way I could contact you privately to ask a couple of questions? I'm not sure if this hearing is even worth taking a day off work for. I'm not really interested in even going for some small amount of money.

 

[Nothing by 1030 anymore]

You need a lawyer who specializes in workers comp ....end of discussion

 

[useyourloadstand]

If you're going to an MMI (Maximum Medical Improvement) appt. you should have a lawyer present. The Money you get is based on how limited you are from your injury. If your at 100% then you won't get anything. Anything less than 100% is a limitation and could mean big money. Say you sign now. What are the odds you won't re-injure yourself within the next 1 or 2 years and then all the costs for that re-injury are all out of pocket?

 

[Nothing by 1030 anymore]

No lawyer is needed for mmi. Just be truthful to dr..a lawyer would serve absolutely nothing on mmi. Been thru it twice

 

[Returntosender]

If you're going to an MMI (Maximum Medical Improvement) appt. you should have a lawyer present. The Money you get is based on how limited you are from your injury. If your at 100% then you won't get anything. Anything less than 100% is a limitation and could mean big money. Say you sign now. What are the odds you won't re-injure yourself within the next 1 or 2 years and then all the costs for that re-injury are all out of pocket?

. Repeative injury is common at UPS.

 

[UpstateNYUPSer(Ret)]

. Repeative injury is common at UPS.

As are repetitive injuries.

 

[Johney]

If you're going to an MMI (Maximum Medical Improvement) appt. you should have a lawyer present. The Money you get is based on how limited you are from your injury. If your at 100% then you won't get anything. Anything less than 100% is a limitation and could mean big money. Say you sign now. What are the odds you won't re-injure yourself within the next 1 or 2 years and then all the costs for that re-injury are all out of pocket?

Huh. I've reached MMI on an injury and been paid for that and still have gone back and had treatments done for the same injury as long as I kept the case open.

 

[Returntosender]

As are repetitive injuries.

well thank you

 

[coolslice]

Well, I'm back. I was scheduled to have my impairment reading and the functional capacity test this morning at 8, and in typical fashion, they are not prepared for it and pushed the appointment back a few hours.

My question is for those that have been through this, when do they actually offer you the settlement? I was under the impression that Liberty Mutual was attending this appointment, but they are not. I do not want to take another day off without pay to deal with that aspect of it. Do they contact you by phone with an offer, or do they expect you to take another day off to have some sort of mediation?

 

[Nothing by 1030 anymore]

Well, I'm back. I was scheduled to have my impairment reading and the functional capacity test this morning at 8, and in typical fashion, they are not prepared for it and pushed the appointment back a few hours.

My question is for those that have been through this, when do they actually offer you the settlement? I was under the impression that Liberty Mutual was attending this appointment, but they are not. I do not want to take another day off without pay to deal with that aspect of it. Do they contact you by phone with an offer, or do they expect you to take another day off to have some sort of mediation?

I've been through it, the dr will prepare his findings and send to liberty mutual. Ur adjuster will call you and or you will receive through the mail notifying you of impairment rating. Liberty mutual will tell you how much and when payments start.

 

[Nothing by 1030 anymore]

Well, I'm back. I was scheduled to have my impairment reading and the functional capacity test this morning at 8, and in typical fashion, they are not prepared for it and pushed the appointment back a few hours.

My question is for those that have been through this, when do they actually offer you the settlement? I was under the impression that Liberty Mutual was attending this appointment, but they are not. I do not want to take another day off without pay to deal with that aspect of it. Do they contact you by phone with an offer, or do they expect you to take another day off to have some sort of mediation?

In my case I was sent back to work at 100% before the appointment by my dr

 

[Nothing by 1030 anymore]

In my case I got a 5% impairment rating which is kinda high. The result was about 16000 dollars paid over several months.

 

[barnyard]

It all varies by state. Here, I received the amount that was in the state guidelines for my injury.

 

[Nothing by 1030 anymore]

Well?

 

[coolslice]

Well, I was there from 10 to 1530, nonstop. Half of the tests they gave me had nothing to do with our job. I assembled and disassembled nut and bolts for about 20 minutes. I had to crawl on all fours across the room and back, and things that we just don't do. They monitor your heart rate and ask you what your pain is on a scale of 1 to 10 for everything.

Long story short, I left not knowing anything more than when I walked in. Apparently it's all based on the data that is entered into a program from the test. I assume Liberty Mutual gets the results before I do. I guess now I just sit around and wait for someone to call or email me? The whole thing is nuts. I asked everyone I knew involved with medicine, UPS, the union and so on. No one was able to tell me anything. I got the most information from here, but unfortunately it sounds like every state is different, and obviously not everyone here that has been through it had the same experience.

 

[1BROWNWRENCH]

Well, I was there from 10 to 1530, nonstop. Half of the tests they gave me had nothing to do with our job. I assembled and disassembled nut and bolts for about 20 minutes. I had to crawl on all fours across the room and back, and things that we just don't do.

Sounds like a mechanic test. Do that crap all day.

 

[Returntosender]

Well, I was there from 10 to 1530, nonstop. Half of the tests they gave me had nothing to do with our job. I assembled and disassembled nut and bolts for about 20 minutes. I had to crawl on all fours across the room and back, and things that we just don't do. They monitor your heart rate and ask you what your pain is on a scale of 1 to 10 for everything.

Long story short, I left not knowing anything more than when I walked in. Apparently it's all based on the data that is entered into a program from the test. I assume Liberty Mutual gets the results before I do. I guess now I just sit around and wait for someone to call or email me? The whole thing is nuts. I asked everyone I knew involved with medicine, UPS, the union and so on. No one was able to tell me anything. I got the most information from here, but unfortunately it sounds like every state is different, and obviously not everyone here that has been through it had the same experience.

Get a copy of the actual test description not just the results. Seems like they attempting to make you appear not as injured as you are on paper. By not testing under actual UPS package operation physical requirements.

 

[1BROWNWRENCH]

Better call Saul.