Tara Reck, Managing L&I Attorney at Reck Law PLLC - Workers' Compensation Attorneys

Category: LNI Pension (Page 4 of 6)

L&I Claim Closed – How to Reopen a Workers’ Compensation Claim in Washington State?

If the Department of Labor and Industries (L&I) closes your L&I claim or workers’ compensation claim, then you might be able to reopen it. However, if your L&I claim closed, it’s important to note that L&I doesn’t automatically reopen claims. In fact, your case must meet certain criteria to reopen an L&I claim. Yet, many work injury claimants get discouraged and give up instead of trying to apply to reopen their workers’ compensation claim.

 

My L&I claim closed – Now what?

In fact, some medical providers believe that L&I does not reopen claims. Other treating professionals think that the reopening process is too difficult. This is simply not true. It’s important for both people with a work injury claim, and for medical providers, to fully understand the reopening process and requirements.

 

In claims for physical work injuries, to reopen a workers’ compensation claim, you must show that certain conditions objectively worsened between terminal dates. If you want to determine whether these criteria are met, you must first understand some workers’ compensation concepts. These three basic concepts are: (1) Terminal dates; (2) Causal relationship of conditions; and (3) Objective worsening.

 

Terminal dates in a workers’ compensation claim

When you file an application to reopen an L&I claim, the term “Terminal dates” refers to two important dates. The first terminal date is when L&I closed your claim most recently. The second date is when L&I denied the most recent reopening application. Take the most recent date of the two. We denote this terminal date as T1. Next, the second terminal date (which we call T2) is the date when you filed the most recent application to reopen your workers’ compensation claim.

 

Causal relationship in L&I claim

We say that conditions are “causally-related” if the industrial injury or occupational disease is the proximate cause of said conditions. Here, proximate cause means a cause that, in a direct sequence, produces the condition. The law acknowledges that there may be more than one proximate cause. Therefore, the industrial injury or occupational disease must be one of the causes of the condition.  Said differently, it doesn’t need to be the only cause. Furthermore, a condition can also relate in a causal manner if the industrial injury or occupational disease aggravated it or worsened it.

 

Causal relationship requires medical reasoning. Here, you must obtain a written medical opinion to show that the work injury or work illness caused the condition. In other words, you must find a doctor or a competent medical expert to say there is a causal connection and explain why. Remember, reopening requires worsening of causally related conditions. Hence, we must first identify the condition and the causal relationship.

 

L&I sometimes reopens claims for worsening of a condition. For instance, if doctors did not diagnose or relate a condition to the claim before claim closure. If the medical evidence supports that the condition relates to your work injury, or that the condition worsened and requires treatment, then L&I will reopen the claim.

 

Objective worsening in work injury claim

If you have a workers’ compensation claim, then L&I considers anything that you say as subjective. For example, saying that you are experiencing pain increase is subjective. It’s insufficient for claim reopening purposes. Alternatively, objective findings are ones that a medical provider can see, feel, or measure. To reopen a claim, a medical provider must show that the causally related conditions got worse between the two terminal dates. Additionally, these conditions must require treatment, or increase your disability level.

 

Here is an example. Say that you were hurt at work and your work injury caused a herniated disc. The doctors can clearly see the disk herniation on MRI.  Practically speaking, the doctors can measure the actual size of the herniation.  Based on the initial size, they determine that the disc is not impacting the nerves. Therefore, you do not need surgery and your treatment concludes.

 

Next, the claim is closed.  Over time, the herniation gets worse and causes additional symptoms.  Doctors get a new MRI where they see that the herniation is bigger.  Now, the disc is impacting the nerves and needs surgery. Right then, you should file an L&I reopening application, and L&I should grant it. Moreover, if reopening occurs within 7 years of the initial claim closure, you may receive additional monetary benefits such as time-loss compensation and increased PPD.

 

Final remarks

If you want to reopen an L&I claim or a workers’ compensation claim in Washington State, you have to understand some basic terms. However, it’s not difficult to learn and understand them. It’s also not difficult to reopen your claim. If the conditions that relate to your claim objectively worsened, then you should apply to reopen your claim. Furthermore, with objective worsening, there is no reason for L&I to deny your claim reopening application.

 

L&I Pension – Permanent Total Disability

An L&I pension is an important benefit after a serious work injury. For example, a catastrophic work injury or occupational disease can make work injury victims unemployable.  Here, unemployable means that the person is unable to “perform or obtain a gainful occupation with a reasonable degree of success and continuity”.  If medical treatment or vocational services cannot make the person employable, then the work injury claimant is permanently and totally disabled.  If you have an L&I claim or workers’ compensation claim, and you are permanently totally disabled, then you are entitled to “L&I pension” benefits under your claim.

 

L&I pension payments

When the Department of Labor and Industries (L&I) places a work injury claimant on L&I pension, then their L&I claim is closed. However, the injured worker receives L&I pension benefits for the rest of their life, so long as they remain unemployable.  L&I pays out pension benefits monthly, around the 15th of each month.  The amount depends on the worker’s salary and wages at the time of injury.  Furthermore, if the worker is married, then he or she can choose for their spouse to get survivor benefits. Simply put, “survivor benefits” means that if the work injury claimant passes then their spouse will receive the pension benefits. Under certain circumstances, this choice may also impact the monthly L&I pension amount.

 

Permanent total disability and L&I pension

There are many factors to consider when determining whether a work injury claimant is permanently and totally disabled.  These factors include the following considerations, among others:

1) The worker’s work pattern at the time of injury – part-time employment, full time, seasonal worker, and so on.

2) Whether the work-accident, injury, or work-related illness cause the permanent physical or mental limitations.

3) Were there any preexisting permanent (physical or mental) limitations?

 

 

4) The person’s wage-earning capacity.

5) The local labor market.

6) The worker’s strengths and weaknesses.

7) The work injury claimant’s age, education, training, and experience.

 

Based on these factors, L&I may consider the workplace injury claimant as permanently and totally disabled.  Even if a person is not physically or mentally helpless, they can still fall under the qualifications. However, we have to remember that an injured worker doesn’t have permanent total disability just because they cannot return to their former job. In fact, if the worker can perform or obtain any gainful work with success and continuity, then they are employable.

 

Employability: Are you employable?

The Department of Labor and Industries places great value on employability, for a variety of reasons.  From my perspective, there are some issues with how L&I views and evaluates employability. In my opinion, saying that someone is employable on paper is not the same as how things manifest themselves in the real world. Furthermore, it’s not uncommon for employability determinations to be based on erroneous or insufficient medical or vocational evidence.

 

Getting L&I pension help from an L&I attorney

As I see it, most people with a workers’ compensation claim recover from their injuries or illness and return to work. However, there are many individuals with L&I claims that need assistance to return to work.  Comparatively, only a small number of workplace injury claimants have permanent and total disability. If you have an L&I claim or a workers’ compensation claim, and the claim administrator is saying you are employable when you are not, then you should immediately speak with a workers’ compensation attorney.

L&I and Workers Compensation Claim Fraud

The Department of Labor and Industries (L&I) takes L&I claim fraud very seriously.  Under the Industrial Insurance Act, the letter of the law refers to fraud as “willful misrepresentation”.  Under the law (WAC 296-14-4121) it says:

“[I]t is willful misrepresentation for a person to obtain payments or other benefits in an amount greater than that to which he or she would have otherwise been entitled. Willful misrepresentation includes making a willful false statement or the willful misrepresentation, omission, or concealment of any material fact.”

In fact, if L&I finds willful misrepresentation, they can demand repayment and assess a 50% penalty.  If the willful misrepresentation is egregious, it can lead to criminal charges.

 

L&I claim fraud and scam

Recently, there was a story about a who pleaded guilty to a first-degree theft felony, in Renton, Washington. The man used his wife’s name and social security number to obtain work.  He worked in multiple delivery jobs as a driver while collecting L&I time-loss and pension benefits. To receive pension benefits means he contended that he was incapable of working on a permanent basis. Moreover, in addition to the criminal sentence, he must repay $340K in benefits. Ultimately, this is one of the largest L&I scams in history. This story received a lot of media coverage.

 

Receiving time-loss or pension benefits under a workers’ compensation claim

A work injury claimant may not be able to work while recovering from an industrial injury or occupational disease. Therefore, to support injured workers during their recovery, they should get time-loss compensation. Here, to be paid, the time-loss compensation must be “certified”.  Under a state-funded L&I claim, basic time-loss certification requires:

(1) Chart notes and forms from the attending provider, or the treating or consulting provider;

(2) An accompanying Activity Prescription Form (APF) from the examining provider; and

(3) A Work Status Form (WSF) completed by the workplace injury claimant.

 

Generally, L&I makes every injured worker complete a WSF approximately every 30 days.  If the work injury claimant fails to complete a WSF, then L&I might stop time-loss payments.  The WSF is the best tool that L&I employs to prove willful misrepresentation. Explicitly, the WSF specifically asks the work injury claimant if they are working.  It is not ambiguous. In fact, the bottom of the form must be signed by the injured worker, as shown in the image below. Signing serves as confirmation that the form contains truthful information.

L&I work status form

 

L&I claim fraud while on pension

If you receive pension payments because of your workplace injury, you must complete and file a form once a year. The name of this annual form is Declaration of Entitlement.  Remember, when completing this form, it must also be notarized. The form clearly asks whether the work injury claimant worked since submitting their last declaration. If the form is not complete within 30 days of its due date, L&I may suspend pension payment.

 

Final remarks

To summarize, dishonest people can hide work activity while collecting time-loss compensation or pension payments. Consequently, they are causing real and measurable damage to the workers’ compensation system. This behavior is unspeakable and is not tolerated. As L&I said in a recent announcement, this kind of willful misrepresentation is not a victimless crime.

 

Fraud in workers’ compensation claims and L&I claims hurts honest people trying to get better after a work injury. Recall, employees (and employers) pay L&I insurance premiums out of their pocket. They (and other stakeholders) are obvious victims. And, with that in mind, it’s important that victims of workplace accidents must be honest about their work status. That way, the system can continue to help those who really need help and assistance.

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