Workers’ Compensation Cases Grind You Down

Does the workers compensation system grind people down? If you ask most of my clients, the answer is yes. I have to agree. The system has always been far from perfect. I have long thought a few changes in the workers compensation statute would go a long way towards making it more fair for claimants. But it does seem like the system has gotten meaner in the last few years.

I tend to see the workers compensation system from the claimant’s perspective. We are one of the premier law firms in Southern Maryland for workers’ compensation claims. Not many attorneys do workers comp cases. One reason is that the law is completely different from most other areas of law. The other reason is the fact that dealing with the constant barriers put up by workers comp insurers is a big hassle. You need to know how to deal with them, or you will pull your hair out.

The insurance companies have just about perfected the tactic of deny & delay. They are quick to cut the claimant off from the weekly check. Often the workers’ compensation claimant’s check is stopped on the thinnest evidence. When that happens, we have to file for a hearing. It takes 30-60 days to get one (usually more like 60). Who can afford to live without income for that long? It wears the claimant down, and it isn’t fair.

Sometimes the workers comp insurer will deny reasonable requests made by the claimants doctor. Fighting over medical care is something that takes a lot of my time. Often, a request for care will be denied or delayed, and the poor claimant cannot get that medical care for months while we wait for a hearing date.

Admittedly, there are some bad doctors out there and it is sometimes reasonable to deny the care requested by some of these guys. But when a well respected doctor requests reasonable medical care, it should be approved Sometimes the denial of that care is downright unconscionable. Sometimes, I strongly suspect it is done just to wear the claimant down.

All of these deny & delay tactics have the effect of wearing people down. They get sick of dealing with the matter. Sometimes they give up (always against my advice). Sometimes they just settle. Sometimes they pay for medical care out of their pocket. Sometimes they run it through their own health insurance, if they have it.

It isn’t a fair system. Until it is reformed, we just have to continue fighting when we have to. There is a good reason that very few workers’ compensation claimants try to handle their claim without an attorney. You will get eaten alive.

Hopefully, the workers’ compensation system will be reformed one day. But don’t hold your breath!

Search & Seizure. Do you have privacy on your balcony?

On September 7, 2011, the Court of Special Appeals decided, in the criminal law case of McGurk v. Maryland, that an overnight guest has a reasonable expectation of privacy on the balcony of her host’s house.  Ms. McGurk was on a balcony in Ocean City in the early morning hours when an Ocean City police officer, having smelled the odor of marijuana, spotted her and walked up to the balcony, uninvited.  She was arrested and searched.  The search incident to the arrest revealed marijuana and cocaine, and immediately found herself in the criminal law system.

Normally, a home is a constitutionally protected area that the police need a search warrant to enter and search for evidence of a crime.  The issues before the court was whether the balcony is part of that protected area and whether McGurk, as a guest, was entitled to claim that protection.  This is a good case to illustrate when the police can search your property, and what having a “reasonable expectation of privacy” means in criminal law.   

The Supreme Court in Minnesota v. Olson, 495 U.S. 91 (1990) has ruled that an overnight guest has a reasonable expectation of privacy in the host’s home.  In McGurk, the Court held that the balcony was considered part of the home itself, which gave rise to a reasonable expectation of privacy.  The court considered the placement of furniture on the balcony, its visibility from the street, and how it was customarily used by the owner and his guests.  The court concluded that the balcony was not open to the public and hence there was a subjective expectation of privacy.

In McGurk, the Court stated that a delivery person would not come onto the balcony unless invited. The court examined where on the property a casual visitor might be expected to enter uninvited.  The homeowner impliedly consents to have members of the public for instance enter onto a front porch to reach a doorbell.  There is no reasonable expectation of privacy in those areas.  The court will consider whether there are physical barriers, such as fences, or signs such as “No Trespassing” or “Private Property” in making its determination.  The court also took into consideration that the police entered at 3:15 a.m. stating that one wouldn’t expect to have uninvited visitors on the balcony at that hour.

Ultimately the Court held there was a reasonable expectation of privacy for Mr. McGurk.  Therefore, the evidence against her cannot be used in her criminal trial.  Deciding whether one has a reasonable expectation of privacy is often a threshold question in criminal law to decide if the police can search or not. 

The State argued that there were exigent circumstances.  Exigent circumstances, such as a fleeing felon, imminent destruction of evidence or danger, are often important in criminal law cases.  They can create an exception to the requirement that the police obtain a search warrant prior to entry into a protected area.  Here the state argued that the marijuana would be destroyed prior to the issue of a warrant.  The court held that the exigent circumstances exception was not applicable in this case because the officer didn’t learn of any exigent circumstances until after he entered into the constitutionally protected area.

The Court of Special Appeals  held that the motion to suppress should have been granted. This keeps the evidence obtained as a result of the illegal search out and will likely lead to an acquittal of the defendant.  There won’t be much evidence to use in her criminal trial, so she will likely go free.

Can You Get Workers’ Comp for Having Sex?

Recently, an eye opening workers’ compensation case came out of Australia. Although it is from a foreign country, the same scenario could happen right here. A woman was on an overnight business trip and got injured during a sexual encounter in her hotel room. It happened at night after her work day ended. A lamp fell on her head. She made a workers’ compensation claim for her injuries. This became an international news story because it is an amusing set of facts, and seems like an outrageous thing to file workers’ comp for.

How can anyone claim workers’ compensation when you are not actually doing your job when injured? She actually lost her claim, but it is not as simple as you might think. Under Maryland law, if you travel out of state on a business trip, and you are injured doing something you would normally do while on that trip, then you are covered by workers’ comp.

The Maryland Workers’ Comp case that set this standard involved a lady who slipped in the shower in her hotel room. She was clearly not working at the time, but the whole trip was work, and showering is a normal and routine thing to do while on such a trip. I represented a man who slipped in the hallway of his hotel while on an out of state business trip. He was walking to dinner. He won his workers compensation claim.

This woman did not win her claim in Australia, and I believe she would not win it here in Maryland. While showering, eating, walking, etc. are normal activities you would be expected to engage in while at work, having sex is not. And having a lamp fall on you during sex is definitely not a work accident than any employer can reasonably foresee. It is, however, pretty amusing and therefore good fodder for a blog!

Need more information about Workers’ Comp? Please contact Andrews, Bongar, Gormley & Clagett for a free consultation. We will be happy to answer your questions even if you do not hire us. Read more about Maryland’s Workers’ Compensation laws in our Free Legal Information Library

Will the bad economy increase bankruptcy filings?

All the economic news these days is doom & gloom. The stock markets are down, credit ratings are being downgraded, and the federal budget (which keeps this area afloat economically) is going to be cut. What does this mean for our regional economy? Will there be an increase in bankruptcy filings as a result of all this chaos?

The main driver in bankruptcy filings over the past 3 years or so has been the collapse of the housing market. People found themselves facing foreclosure when interest rates rose and home values plummeted. They had to file a bankruptcy to get out from under that giant mortgage.

But we suspect there are a lot of people who are on the edge, just barely hanging on and hoping for an economic turnaround. Now the promised economic turnaround looks to be further down the road than anyone thought. Home values have not risen. Jobs are not being created. And banks are holding back on millions of foreclosures that will be filed sometime soon. What will people do now?

We suspect there will be an increase in bankruptcy filings in the second half of 2011 as a result of this problem. Those who were barely hanging on and hoping for a miracle are going to have face reality and realize things are not getting better any time soon. Bankruptcy is going to be their only option.

What people do not realize is that bankruptcy is often a good option for them. Filing for bankruptcy is not nearly as bad as many people think. You can still live your life, keep your retirement plans, and move forward to a fresh start financially. It only takes a few years to rebuild your credit, and you will unburden yourself from debts that are crushing your future now.

If you have been holding on and hoping for a economic turnaround, perhaps it is time to at least find out what your options are. We offer a FREE consultation for anyone who is facing foreclosure, or wants advice on how to save their house, or needs to consider a bankruptcy. It won’t cost you anything but time to find out if bankruptcy is a good option for you. Call us today.

Read more about bankruptcy in our Free Legal Information library: