1 Presenting a live 90-minute webinar with interactive Q&A Auto Accident Claims: The Influence of Colossus on Recoveries Guidance for Counsel on Insurance Adjustment Software to Maximize Settlement Offers THURSDAY, NOVEMBER 29, pm Eastern 12pm Central 11am Mountain 10am Pacific Today s faculty features: Matthew J. DeGaetano, Certified Colossus Consultant, Personal Injury Institute, Lewisville, Texas Steven M. Gursten, Attorney, Michigan Auto Law, Farmington Hills, Mich. The audio portion of the conference may be accessed via the telephone or by using your computer's speakers. Please refer to the instructions ed to registrants for additional information. If you have any questions, please contact Customer Service at ext. 10.
2 Tips for Optimal Quality Sound Quality If you are listening via your computer speakers, please note that the quality of your sound will vary depending on the speed and quality of your internet connection. If the sound quality is not satisfactory and you are listening via your computer speakers, you may listen via the phone: dial and enter your PIN when prompted. Otherwise, please send us a chat or immediately so we can address the problem. If you dialed in and have any difficulties during the call, press *0 for assistance. Viewing Quality To maximize your screen, press the F11 key on your keyboard. To exit full screen, press the F11 key again.
3 Continuing Education Credits FOR LIVE EVENT ONLY For CLE purposes, please let us know how many people are listening at your location by completing each of the following steps: Close the notification box In the chat box, type (1) your company name and (2) the number of attendees at your location Click the SEND button beside the box
4 Program Materials If you have not printed the conference materials for this program, please complete the following steps: Click on the + sign next to Conference Materials in the middle of the lefthand column on your screen. Click on the tab labeled Handouts that appears, and there you will see a PDF of the slides for today's program. Double click on the PDF and a separate page will open. Print the slides by clicking on the printer icon.
6 THE HISTORY OF COLOSSUS
7 7 Computer Software Program used by Insurance Companies The adjuster enters information about the claim into the program The program accesses over 10,720 rules or value drivers to evaluate over 750 injuries The program computes a settlement figure that is consistent with the severity of the patient s injury
8 8 Value drivers! There are 10,720 What are value drivers?
9 9 Colossus arrives at an evaluation by assigning points to value drivers associated with each injury.
10 10 The actual assignment of points is determined by each individual insurer. They become the baseline data by which all injury values are arrived at.
11 11 Each insurer has the ability to manipulate this point assignment and database any time it wishes.
12 12 The points are represented by value drivers in a mathematical equation.
13 13 Some of the value drivers have multipliers as well. These multipliers add significant points to each value driver.
14 14 The mathematical equation consists of the following components, which must be indicated in the medical records and be specifically stated in the demand from the attorney
15 15 What Caused The Cultural Change In the Insurance Industry? The Insurance Industry claim handling culture went through a major transformation during the mid 1990 s adopting the opinions and advice of McKinsey Consulting.
16 16 THE MEDICAL COMMUNITY ENVIRONMENT This was accomplished by each individual insurer in conjunction with McKinsey Consulting (Arthur Anderson or Accenture as it is currently known, also contributed to some insurers transformation) through the creation and implementation of the McKinsey Business Process Improvement (BPI) culture. This transformation of claim culture is evident in the McKinsey documents Allstate has produced in other cases across the country.
17 17 Soft Tissue Injuries The current industry percentage of these claims which would involve soft tissue injuries varies between 85 and 90 percent. The most common treating facility or practitioner sought for the treatment of soft tissue injuries is Chiropractic. The current industry percentage of Chiropractic involvement in these types of claims is as high as 95%. Most of the injured parties have either PIP/MPC benefits available to pay for the treatment. A very significant number of the injured parties also have either third party claims against an insured negligent tortfeasor or a first party claim under their UM/UIM (Uninsured Motorist/Underinsured Motorist) coverages.
18 18 THE CONTINUUM COMPANY At about the same time, an Australia based computer software company creates Colossus. Designed to evaluate claims based on: - Injuries - Treatment Specifics - Symptomology - Future need for Treatment - Impairments and Disabilities
19 19 COMPUTER SCIENCE CORPORATION Licensed Colossus from the Australian Firm (Continuum Company) CSC offered it to the insurance industry as a way of reducing claim payouts McKinsey approved the venture and was retained by each of the insurers to calibrate the values of Colossus. Calibration was performed by Arthur Anderson or A.K.A. as Accenture
22 22 COLOSSUS IS MORE THAN JUST A SOFTWARE PROGRAM It is an Artificial Intelligence Program!
23 23 How Can The Artificial Intelligence Affect Your Office? Colossus & National Insurance Crime Bureau (NICB) They use this system for all doctors prior accidents, questionable cases, referrals, tax ID s, SS#, looking for patterns
24 24 Colossus The Colossus equation is designed to establish: Economic Damages or Special Damages Medical Bills & Loss of Income Non Economic Damages or General Damages Pain & Suffering What does this mean?
25 25 UNTIL THE LATE 1980 S Most claims were settled for 3-5 times the special damages For example: - $5000 in specials settled at $15000
26 26 Colossus Therefore each INJURY MUST BE IDENTIFIED BY A QUALIFIED DOCTOR Example: If the patient had a sternum injury at the ER and it does treating facility does not recognize or diagnose that injury the claims representative is barred from imputing that additional injury. The result would have an impact on the final value of the claim.
27 27 66% savings The case reserve in 1990 for a soft tissue injury liability claim was approximately $15, The case reserve for the same type of injury in 2001 was $5, This reduction in the claim severity was a direct result of the process and programs such as MIST, Minor Impact and No Damage / No Injury. This $10, savings per claim has a direct impact on profits realized from the claims department. This is the amount of dollars set aside by the insurer in anticipating the amount to paid on this type claim at settlement. The figure is based on a three year historical severity realized by the insurer. Fowler vs. State Farm Mutual Automobile Insurance Company, Hawaii; The United States District Court For the District of Hawaii; Civil No. CV SPK/KSC;
28 28 66% savings Considering that State Farm Claim Vice President (Fowler vs. State Farm) recently stated in a deposition. State Farm experiences 15,000 claims per day. It might be an eye opening exercise to have some economist actually extrapolate the direct and indirect economic impact on the public over the last fifteen years. This is the amount of dollars set aside by the insurer in anticipating the amount to paid on this type claim at settlement. The figure is based on a three year historical severity realized by the insurer. Fowler vs. State Farm Mutual Automobile Insurance Company, Hawaii; The United States District Court For the District of Hawaii; Civil No. CV SPK/KSC;
29 29 THE ARTIFICIAL INTELLIGENCE OF COLOSSUS Begins with database profiling - Chiropractors - Medical Doctors - Patients
30 30 DOCTORS HAVE BEEN DATABASED If Colossus devalued most of your cases last year because: - You look poor notes - Failed to refer for a second opinion - Used the wrong terminology - Used the wrong prognosis - Did not objectify your findings with diagnostics - Did not monitor clinical progression with Outcomes Assessments - Did not use active care procedures Then
31 31 UNDERSTANDING IS THE KEY If Attorneys, Medical Doctors, Chiropractors understand Colossus and work within its framework, then Colossus can be beat. We can win the whole pot even though we are holding a bad hand
32 32 The Entire Case Is Calculated From The Treating Physicians Records And Protocols. Attorney Demand Packages Are Obsolete!
33 33 What Are Our Clinical Tools Flexion / Extension Views Lateral Flexion Open Mouth Digital Motion X-Ray Proton Density MRI ( Upper Cervical Studies ) AMA Guides For Permanent Impairment
34 34 Soft Tissue Injuries and the Attack by the Insurance Companies Most Chiropractors treat Soft Tissue Injuries Our office looks at ALL ANATOMICAL STRUCTURES. CONNECTIVE TISSUE 95 % of all Soft Tissue cases are treated by Chiropractors
35 35 All Injuries Must Be Identified Contusions all other body parts Sprain/Strain all other body parts Fracture all other body parts Dislocation all other body parts Ligament injuries usually associated with joints Laceration all other body parts Penetrating wounds all other body parts Crush wounds all other body parts Amputation all other body parts Concussion Lastly, dental injuries
36 36 All Injuries Must Be Identified Sprain/Strain cervical, thoracic and/or lumbar Subluxation Prolapse cervical, thoracic and/or lumbar Bulge cervical, thoracic and/or lumbar Herniation cervical, thoracic and/or lumbar Dislocation cervical, thoracic and/or lumbar Fracture cervical, thoracic and/or lumbar Superficial Injuries all other body parts
37 37 Do You Know The Four IV Phases Of Whiplash? The s-shaped curve, with hyperextension of the lower segments and flexion of the upper segments. This is one of the chief points of injury and occurs before the head strikes the head restraint. Adapted from Ono et al.
38 IV Phases You Should Know 38
39 39 UNDERSTANDING THE EQUATION No human intuitive abilities Depends on the input of the claim handler alone Garbage In Garbage Out
40 40 IN THE ABSENSE OF COMMUNICATION, THE PATIENT IS THE VICTIM We need to speak the language of Colossus - Symptoms - Diagnosis - Treatment - Prognosis - Additional Factors - Impairment
41 41 Permanent Impairment Permanent Impairment is defined with the following factors A medical condition resulting from trauma or work related disease or illness A deviation from normal function of a body part or organ system Something the body or body part can no longer perform normally
42 42 How does permanent impairment differ from Disability? Disability is how the impairment affects and changes the person s ability to perform, social, or employment demands Impairment is a medical assessment Disability is a non-medical assessment NOTE: Colossus is not capable of establishing an impairment rating, only a qualified medical physicians can assess impairment ratings.
43 43 Colossus Colossus is NOT capable of assessing brain damage The only head injury impairments, which may be entered into colossus are related to sight, hearing, equilibrium, air passage, or mastication (TMJ)
44 44 Colossus Colossus Applies General Damage Compensation For Impairments Based On The Following: The Body Part Or System Impaired The Degree (Amount) Of The Impairment Assigned By The Medical Examiner Impairment Ratings Must Be Part AMA (American Medical Association) 6 th Edition For NOW Law Suit Pending
45 45 Injuries Diagnosed & Treated Minimum Competency To treat PI Patients The Doctors Ability to Address Each & Every Injury
46 46 PROPER AND COMPLETE DIAGNOSIS The Initial Records Must Reflect ALL Complaints Of The Patient The Examination Should Indicate All Injuries Related To Each Complaint Colossus Is Structured To Recognize Only The Diagnosed Injuries Found In The Records
47 47 DIAGNOSE ALL INJURIES SEPARATELY!!!!!! If the shoulder is included as a separate injury then the colossus program would allow additional treatment for the shoulder. Although radiating pain increases the value of the case, it does not increase it as much as diagnosing the symptom as a separate injury.
48 48 CPT Codes Using forms that contains CPT codes is huge for your case for 2 reasons. It helps the office biller work more quickly AND helps the Colossus data entry person work more quickly to settle the claim. Keeping good medical records makes the claim adjuster and all attorneys jobs easier because they have all the facts to know what injuries were diagnosed.
49 49 Intake and Management Forms Attorney Intake Form DUD and LOE Worksheets Physician Intake/Discharge Form Physician Request Form Common Injury Code Sheet Supplemental HCFA Form Body Shop Questionnaire
50 50 DOCUMENTATION OF ALL SYMPTOMS After the injuries (diagnosis) are inputted, colossus asks a series of questions associated with each injury. The corresponding input adds individual value amounts to the claims general damage range.
51 51 IMPORTANT SYMPTOMS Loss of range of motion Headaches Spasms Dizziness Visual disturbance Radiating pain Anxiety (must be treated) TMJ Stiffness
52 52 SYMPTOM DURATION It is not necessary to acknowledge the symptom on each date of treatment However, the entire duration of the symptom should be reflected in the chart notes.
53 53 PRE EXISTING CONDITIONS If a plaintiff has a pre-existing condition, Colossus will place a higher value on the claim An asymptomatic condition with no treatment in the past 24 months. Even a condition that was symptomatic there is a need for clinical discussion.
54 54 TREATMENT DELAY AND/OR TREATMENT GAPS Any delay in seeking treatment or any gaps in the treatment regimen must be substantially explained in the records. Either of these situations unexplained would result in decreasing the weight of the treatment duration.
55 55 THE PROGNOSIS NEVER MENTION THE TERM MMI FOR WHOLE BODY ONLY EACH BODY PART AFFECTED Resolution Undetermined No Value No Complaints, No Further Treatment - Complaint, No Further Treatment - Complaint, Further Treatment - Complaint, Guarded Prognosis -
56 56 ADDITIONAL FACTORS There are three additional factors which have significant weighted affected on the general damage portion of a claim. - Duties Under Duress - Loss of Enjoyment of Life
57 57 In summary... Firms need to be proactive Medical and Chiropractic institutions do not train doctors to manage personal injury clinically or case manage wise.
58 58 In summary... Go to For your Complimentary Colossus Guide & Colossus Firm Assessment
59 Dr. Matthew J. DeGaetano Certified Colossus Consultant Personal Injury Institute 363 West Main Street Lewisville, TX Steven M. Gursten Attorney Michigan Auto Law Northwestern Highway Farmington Hills, MI
Presenting a live 90 minute webinar with interactive Q&A Commercial Leases: Risk Mitigation Strategies for Landlords and Tenants Negotiating Insurance, Indemnity and Mutual Waiver of Subrogation Provisions
Presenting a live 90-minute webinar with interactive Q&A M&A Purchase Price Adjustment Clauses Crafting Provisions to Mitigate Buyers' Financial Risks and Achieve Fair Compensation for Sellers THURSDAY,
Presenting a live 90-minute webinar with interactive Q&A Builder's Risk Insurance for Construction Projects: Legal Issues Evaluating Scope of Coverage, Policy Exclusions and Coverage Extensions and Sub-Limits
Presenting a live 90-minute webinar with interactive Q&A Overcoming Ethical Challenges for Multi-Firm Lawyers and Their Firms: Fiduciary Duty, Conflict, Fee-Splitting and More TUESDAY, SEPTEMBER 16, 2014
Presenting a live 90-minute webinar with interactive Q&A Negotiating EHR Agreements: Complying with HIPAA, Stark and AKS, Overcoming Privacy and Security Risks Acquiring an EHR and Meeting Incentive Program
Presenting a live 90-minute webinar with interactive Q&A Multi-Jurisdictional Workers' Compensation Claims Selecting the Jurisdiction and Navigating Conflicting State Laws Regarding Benefits, Rights and
Presenting a live 90-minute webinar with interactive Q&A Payment and Performance Surety Bonds in Construction Projects: Perspectives of Owners, Contractors and Sureties Asserting and Defending Surety Bond
Sample: Small US Demand Letter 10/20/2008 P D GEICO 1 GEICO West Box 509119 San Diego, CA 92150 G R State Farm P.O. Box 221 Dupont, WA 98237 Claim No: (SF) & (GEICO) Your Insured: Russell M (SF) & Darrell
Presenting a live 90-minute webinar with interactive Q&A Performance Bonds and CGL Insurance In Construction Projects: Navigating the Interplay Between Insurance and Surety Minimizing Risks and Maximizing
Presenting a live 90-minute webinar with interactive Q&A M&A Auctions: Successful Bidding Strategies Planning and Executing Winning Bids, Minimizing Costs of Losing Bids THURSDAY, JANUARY 8, 2015 1pm Eastern
Presenting a live 90-minute webinar with interactive Q&A Allocating Defense Costs Among Multiple Insurers and Between Covered and Uncovered Claims Methods of Allocation Among Insurers and Allocation to
Presenting a live 90 minute webinar with interactive Q&A ALTA/ACSM Land Title Surveys: Leveraging the Feasibility Assessment Tool for Land Development Deals THURSDAY, FEBRUARY 27, 2014 1pm Eastern 12pm
Presenting a live 90-minute webinar with interactive Q&A Pursuing Insurance Bad Faith Claims Over Personal Injury Claim Delays, Denials and Low Ball Offers Considerations and Best Practices for Proving
Presenting a live 90-minute webinar with interactive Q&A ESI Discovery in Federal Criminal Cases: Leveraging the New JETWG Recommendations THURSDAY, APRIL 26, 2012 1pm Eastern 12pm Central 11am Mountain
Presenting a live 90-minute webinar with interactive Q&A Captive Insurance Companies in Estate Planning: A Profit Maximization and Risk Reduction Tool Leveraging the Benefits for Asset Protection, Wealth
Presenting a live 90-minute webinar with interactive Q&A Divorce: When a Spouse Files Bankruptcy Dischargeability of Domestic Support Obligations and Property Settlements WEDNESDAY, FEBRUARY 15, 2012 1pm
Presenting a live 90-minute webinar with interactive Q&A Drafting and Negotiating Convertible Preferred Stock Provisions: Protecting Interests of Businesses and Investors Structuring Liquidation and Distribution
Page 1 Closed Automobile Insurance Third Party Liability Bodily Injury Claim Study in Ontario Injury Descriptions Developed from Newfoundland claim study injury definitions No injury Death Psychological
Presenting a live 110-minute teleconference with interactive Q&A Managing Sales Tax Data: Streamlining Internal Controls to Maximize Compliance Efficiency THURSDAY, FEBRUARY 20, 2014 1pm Eastern 12pm Central
Presenting a live 90 minute webinar with interactive Q&A Structuring Rooftop Lease Agreements: Legal and Business Considerations Negotiating Leases for Telecom Equipment, Solar Energy, Commercial Farming,
Presenting a live 90-minute webinar with interactive Q&A Estate Planning with Education Trusts and 529 Plans Establishing Education Trusts for Tax Savings, Drafting Education Provisions in Revocable Trusts,
Presenting a live 90-minute webinar with interactive Q&A Estate Planning Using LLCs and Limited Partnerships Achieving Estate Tax Savings Through Valuation Discounts, Protecting Against Creditor Claims
SETTLEMENT REPORT Hillsborough County Circuit Court Florida Matthew D. Powell, Esq. Attorney for Plaintiff V S EMC Insurance Company The claim of the Plaintiff, against the Defendant, was filed in Hillsborough
Presenting a live 90-minute webinar with interactive Q&A Builder's Risk and CGL Insurance for Construction Projects: Mitigating Developer and Contractor Risks Evaluating Scope of Coverage, Covered Losses,
Presenting a live 90-minute webinar with interactive Q&A Structuring Covenants in Leveraged Loans and High Yield Bonds for Borrowers and Lenders Analyzing Financial and Performance Covenants, Equity Cures,
Presenting a live 90-minute webinar with interactive Q&A Estate Planning Involving Resident and Non-Resident Aliens Navigating Estate, Gift and GST Tax Rules, and Leveraging Estate and Lifetime Gifting
The Insurance and Whiplash Guide I Hope You ll Never Have To Use But If You Do You ll Be Glad You Read This First! A special thanks goes to Dr. Steven Eggleston, DC, Esq. for his expertise and his years
http://www.slechterlawfirm.com/car-truck-accidents/ Car & truck accidents require an experienced Louisville auto accident attorney Auto accidents happen fast. But the effects can sometimes last a lifetime,
Presenting a live 90-minute webinar with interactive Q&A Solar Leases: Legal Considerations for Property Owners Analyzing Lease Sites and Deal Structures and Addressing Key Document Provisions WEDNESDAY,
Presenting a live 90-minute webinar with interactive Q&A Negotiating Patent Indemnification Provisions Allocating Patent Infringement Risk Through Indemnification Clauses, Reps and Warranties, and Limitation
THE TOP 10 QUESTIONS YOU SHOULD ASK YOUR CAR ACCIDENT LAWYER? Introduction After six straight years of decline, the National Highway Traffic Administration (NHTSA) reports that auto accidents, injuries
Presenting a live 90-minute webinar with interactive Q&A SBA Lending: Documenting, Closing and Servicing 7(a) and CDC/504 Loans Navigating SBA Approval and Authorization Process, Preserving the Loan Guaranty
Presenting a live 110 minute teleconference with interactive Q&A New Partnership Debt for Equity Exchange Regulations Navigating Issues With COD Income, Gains and Losses, and Other Aspects of Sect. 108(e)(8)
James R. Schwebel 5120 IDS Center 80 South 8th St. Minneapolis, Minnesota 55402-2246 Phone 612.344.0306 Fax 612.333.6311 firstname.lastname@example.org www.schwebel.com In 1974, Jim founded what is now Minnesota
NC WORKERS COMPENSATION: BASIC INFORMATION FOR MEDICAL PROVIDERS CURRENT AS OF APRIL 1, 2010 I. INFORMATION SOURCES Where is information available for medical providers treating patients with injuries/conditions
Soft-tissue injuries of the neck in automobile accidents: Factors influencing prognosis 1 Mason Hohl, MD FROM ABSTRACT: Journal of Bone and Joint Surgery (American) December 1974;56(8):1675-1682 Five years
ALBERTA INSURANCE REFORM LEGISLATION INSURANCE LITIGATION LEGAL ALERT October, 2004 A Review of Bill 53, the INSURANCE AMENDMENT ACT, 2003 (No. 2), S.A. 2003, c.40 In November of 2003 the Provincial Government
PERSONAL INJURY QUESTIONNAIRE NAME: Date of Accident Where did accident happen? Describe the accident in your own words: What was your position in the car? Driver: if Driver were your hands on the steering
QUESTIONS AND ANSWERS ABOUT ILLINOIS AUTOMOBILE INSURANCE AND ACCIDENTS What types of coverages are available? Generally, automobile insurance policies provide Bodily Injury and Property Damage Liability
Personal Injury Claims Improving consistency, accuracy & transparency of settlements Mark Strang ACII, Chartered Insurance Practitioner Business Development Manager, ISO Agenda Personal Injury Claims Background
Presenting a live 110-minute teleconference with interactive Q&A Sales Tax Audits in the Era of Digital Documentation Preparing for a Computer-Based Review Involving Electronic Invoices, Bills of Lading,
FACT PATTERN ONE The following facts are based on the case of Bedard v. Martyn  A.J. No. 308 The infant plaintiff developed a large blood clot in his brain at some time either before or during the
EXAM SPECIFICATIONS FOR WORKERS COMPENSATION LAW PURPOSE OF THE EXAM. The purpose of the certification exam is to require an applicant to demonstrate substantial knowledge of significant legal concepts
Presenting a live 90-minute webinar with interactive Q&A Structuring Managed Care Contracts: Medicare and Medicaid Considerations for Providers Navigating Reimbursement and Delegation Challenges, Negotiating
2013 MICHIGAN BOARD OF CHIROPRACTIC APPROVED PROGRAMS This list contains courses that were approved in 2013 and will be updated when new programs are approved. In addition to the Board approved programs
Settlement Reports From DMX provides visual, objective proof for painful, progessive and permanent ligamentous injuries. Seeing is believing. SETTLEMENT REPORT Hillsborough County Circuit Court Florida
STATE OF MICHIGAN DEPARTMENT OF CONSUMER AND INDUSTRY SERVICES BUREAU OF HEARINGS In the matter of Vivian B. Nalu, Petitioner v Public School Employees Retirement System, Respondent / Docket No. 2000-1872
BEFORE THE APPEALS BOARD FOR THE KANSAS DIVISION OF WORKERS COMPENSATION MARION A. DAVIS ) Claimant ) VS. ) ) Docket No. 216,570 CONSPEC MARKETING & MANUFACTURING CO. ) Respondent ) AND ) ) UNITED STATES
Information Request No..1 RR BCCA.BI.1.a-b Dated 04 May 16 March Insurance Corporation of British Columbia B-11-3.1 RR BCCA.BI.1.a-b Reference: Page 5-2, paragraph 6, the first bullet point refers to "An
Medical Report Prepared for The Court on Mr Sample Report Claimant's Address Claimant's Date of Birth Instructing Party Instructing Party Address Instructing Party Ref Solicitors Ref Corex Ref 1 The Lane
Presenting a live 90-minute webinar with interactive Q&A Negotiating EBITDA and Financial Covenants in Middle Market Loan Agreements WEDNESDAY, OCTOBER 23, 2013 1pm Eastern 12pm Central 11am Mountain 10am
How Much Is My ICBC Claim Worth? Each ICBC claim is unique. The value of any ICBC claim will depend on a number of factors including who is at fault, the type of injuries and the effect of the injuries
Notice of Independent Review Decision DATE OF REVIEW: 08/15/08 IRO CASE #: NAME: DESCRIPTION OF THE SERVICE OR SERVICES IN DISPUTE: Determine the appropriateness of the previously denied request for physical
Commonly Used Terms in Auto Accident Cases 117 South Willow Avenue Tampa, Florida 33606 Toll Free: 877-444-2929 Phone: 813-223-2929 Fax: 813-251-6853 Definitions are specific as to Florida Law. Other state
SPORTING ACCIDENT CLAIM FORM Please read this page first before completing the Claim Form Dear Member, Thank you for your Claim Form request. This letter contains important information relevant to your
2014 Construction of Statute Definition of Injury (Causation) Revises Section 50-6-116, Construction of Chapter, to indicate that for dates of injury on or after July 1, 2014, the chapter should no longer
PERSONAL INJURY/AUTO ACCIDENT INTAKE SHEET SOL: INITIAL CLIENT STATEMENT HAVE YOU SPOKEN TO ANOTHER ATTORNEY ABOUT THIS CASE? IF SO, PLEASE GIVE NAME OF ATTORNEY: DO YOU HAVE A SIGNED RELEASE BY THAT ATTORNEY?
Presenting a live 90-minute webinar with interactive Q&A Leveraging Demand Letters to Obtain High Settlements in Auto Accident Cases Tactics to Influence Insurance Companies to Pay at or Above Policy Limits
Presenting a live 90-minute webinar with interactive Q&A Commercial Real Estate Loans: Structuring Covenants, Events of Default Provisions and MAC Clauses Negotiating Agreement Provisions to Maximize Borrower
PERSONAL INJURY/AUTO ACCIDENT QUESTIONNAIRE TODAY S DATE: PERSONAL INFORMATION: NAME: (home) (cell) Age: Date of Birth: Social Security No: EMPLOYER: (work) Occupation: Worked there how long? Immediate
WORKERS COMPENSATION BOARD APPEAL TRIBUNAL BETWEEN: [personal information] CASE I.D. #[personal information] PLAINTIFF AND: WORKERS COMPENSATION BOARD OF PRINCE EDWARD ISLAND DEFENDANT DECISION #41 [Personal
What Is My Injury Claim Worth? How insurance companies evaluate your injury accident case Based on California law. Written by a California licensed injury accident lawyer for Californians. Provided for
PERSONAL INJURY/AUTO ACCIDENT INTAKE SHEET SOL: INITIAL CLIENT STATEMENT TODAY S DATE: HAVE YOU SPOKEN TO ANOTHER ATTORNEY ABOUT THIS CASE? IF SO, PLEASE GIVE NAME OF ATTORNEY : DO YOU HAVE A SIGNED RELEASE
Buying Car Insurance We blame the insurance companies And their agents for not thoroughly explaining And urging you to buy The most important auto insurance protection available They won t tell you, so
DISABILITY CLAIM APPLICATION FORMS For Standard / Partial Payment and Dismemberment Plans INSTRUCTIONS ALL OF THE FOLLOWING PROPERLY COMPLETED FORMS ARE ESSENTIAL TO THE PROMPT PROCESSING OF YOUR DISABILITY
L. R. v. Fletcher Allen Health Care (January 4, 2007) STATE OF VERMONT DEPARTMENT OF LABOR L. R. Opinion No. 57-06WC By: Margaret A. Mangan v. Hearing Officer Fletcher Allen Health Care For: Patricia Moulton
Chiropractic Assistants Insurance Verification Training Guide What You Will Learn: How to Obtain Maximum Chiropractic Benefits Tools Needed to Verify Benefits Understanding Why You Are Verifying Understanding
Presenting a live 90 minute webinar with interactive Q&A VA Benefits and Medicaid Eligibility Meeting Complex Requirements for Benefits Qualification and Application WEDNESDAY, JANUARY 30, 2013 1pm Eastern
Table of Contents 1. What should I do when the other driver s insurance company contacts me?... 1 2. Who should be paying my medical bills from a car accident injury?... 2 3. What should I do after the
IN THE SUPREME COURT OF TENNESSEE SPECIAL WORKERS COMPENSATION APPEALS PANEL AT KNOXVILLE December 14, 2000 Session PHILIPS CONSUMER ELECTRONICS COMPANY v. KATHY A. JENNINGS Direct Appeal from the Circuit
QUESTIONS YOU SHOULD ASK THE INSURANCE ADJUSTER By Michael A. Schafer, Attorney at Law 1218 S 3 rd St Louisville, Kentucky 40203 (502) 584-9511 www.mikeschaferlaw.com QUESTIONS YOU SHOULD ASK THE INSURANCE
ACCIDENT CLAIMS PDF ==> Download: ACCIDENT CLAIMS PDF ACCIDENT CLAIMS PDF - Are you searching for Accident Claims Books? Now, you will be happy that at this time Accident Claims PDF is available at our
1 Key Medical Evidence Used to Win Personal Injury Cases Brought to you by the attorneys at Shapiro, Cooper, Lewis & Appleton, P.C. Overview An injury inflicted at work, at school, while shopping, or elsewhere
Presenting a live 90-minute webinar with interactive Q&A Structuring Equity Compensation for Partnerships and LLCs Navigating Capital and Profits Interests Plus Section 409A and Tax Consequences TUESDAY,
rightlawyers.com RIGHT Lawyers Right Lawyers has successfully represented numerous clients in the areas of car accidents, work injuries, and slip and falls. The goal of this guide is to provide you answers
Presenting a live 90-minute webinar with interactive Q&A Insurance Due Diligence in M&A Deals: Evaluating Coverage and Gaps, Mitigating Risks and Potential Liabilities THURSDAY, OCTOBER 29, 2015 1pm Eastern
CHUBB GROUP OF INSURANCE COMPANIES Dear Insured, Attached please find an informational letter which is being sent to your treating provider outlining the processes and procedures for Precertification and
PART 3: ICD-10 Coding of Diseases and Conditions (2 Hours) With Mario Fucinari DC, MCS-P Certified Insurance Consultant Certified Medical Compliance Specialist (MCS-P) Presented by Foot Levelers The information
MRI for cervical radiculopathy Referral by a medical practitioner (excluding a specialist or consultant physician) for a scan of spine for a patient 16 years or older for suspected: cervical radiculopathy
Your Law Practice: Should I Take It? Evaluating Potential Personal Injury Cases Friday, December 4, 2015 9 a.m. 11 a.m. 1.75 General CLE credits YOUR LAW PRACTICE: SHOULD I TAKE IT? EVALUATING POTENTIAL
Presentation To South Texas ASSE San Antonio, TX May 21, 2007 Presentation Summary Corporate Overview Essentials of Workers Compensation Law Red Flags of Questionable Comp Claims Influencing the Outcome