Zadroga 9/11 Lawyer to Lecture at St. John's Law School on Eve of Triangle Fire 100th Anniversary

 

I will be giving my annual New York Workers' Compensation Law lecture tomorrow night at St. John's Law School at the invitation of Prof. David Gregory, one of the country's preeminent labor law experts. 

This year my Workers' Compensation Law lecture takes on particular significance as the this week marks the 100th anniversary of the Triangle Shirtwaist Factory Fire tragedy in lower Manhattan, which was the seminal event leading to the establishment of workers' compensation laws throughout the country. 146 workers lost their lives either in the fire or jumping from the building.

As a former recipient of the Clara Lemlich Triangle Factory Fire Memorial Award, this important moment in labor history, along with the annual Triangle Dinner this Friday night at the Fire Museum of the City of New York, are close to my heart. I will certainly impress upon the law students the importance of understanding not only the "black letter" meaning of the New York workers' compensation law, but also its historical context.

In a eeirly sad coincidence, it just so happens that this year is also the 10th anniversary of the World Trade Center DisasterIt took 90 years for the WTC disaster to eclipse the Triangle Factory Fire as New York's most deadly workplace accident.

We are still filing ongoing workers' compensation claims for 9/11 victims, survivors and first responders. In addition, this year has brought the passage of the new James Zadroga 9/11 Health and Compensation Act of 2010.   I will be sharing with the students facts about the new Zadroga 9/11 Act,  how to file a Zadroga Act claim, and what medical conditions are covered under the Zadroga Act.

Afterwards, the officers of the law school's Labor & Employment Law Society ussually join Prof. Gregory and I for a good Italian meal in Queens, maybe at Uvarara. Looking forward to that! I will post my materials on this blog after the lecture.

Zadroga 9/11 Act Claims Information Site Launched by New York Lawyers

In an effort to steer clear of the ongoing controversies surrounding certain 9/11 lawyers, the law firms of Turley, Redmond, Rosasco & Rosasco, LLP,  Daniel J. Hansen, Esq. and  Chet Lukaszewski, PC have launched an informational website for 9/11 heroes and victims simply named   Zadroga 9/11 Claims Info.   Our  team aims to restore the public’s confidence that there are attorneys with integrity who are willing to take these claims,  handle them professionally and do their clients justice.

It is hoped that  9/11 First Responders, 9/11 Survivors, construction workers, clean-up workers, volunteers and families can turn to this site for good, unbiased legal and health information regarding the new  James Zadroga 9/11 Health and Compensation Act of 2010.  Please feel free to visit and explore the site at  http://www.zadrogaclaimsinfo.com .

The site will be frequently updated with the latest Zadroga 9/11 Act information while we await the appointment of a new Special Master (decision maker on Zadroga award amounts) and updated regulations regarding the re-opened Victims' Compensation Fund.  You can subscribe for frequent updates on the site either through email or the RSS Reader of your choice.

If you have questions you cannot find answered on in the Zadroga 9/11 Claims Information Center on the site, please feel free to call Troy Rosasco toll free at 1-855-WTC-INFO x123. We hope you find the information and insight on Zadroga 9/11 Claims Info  helpful.

About the Authors 

Authored by a team of experienced attorneys with a long history representing 9/11 victims and first responders, this publication aims to make information and insight on the James Zadroga 9/11 Health and Compensation Act of 2010 readily available to its readers. 

Attorneys Troy G. Rosasco, Chet Lukaszewski  and Daniel J. Hansen bring together unique skill-sets and backgrounds in offering commentary on legal developments surrounding the re-opened 9/11 Victims Compensation Fund as part of the Zadroga Act.

Rosasco and Lukaszewski have been dedicated to the 9/11 rescuer and victim cause for many years, with the pair working diligently to get the Zadroga Act passed.  Rosasco and his law firm —  Turley, Redmond, Rosasco & Rosasco, LLP — represented victims and their families a week after the initial attacks, handling initial death claims on a pro-bono (free) basis.  Rosasco has also been writing on the subject for years on his own New York Disability Law Blog.

Joined by Daniel J. Hansen, an experienced Manhattan trial lawyer who obtained a record $19.6 million verdict for an injured construction worker in 2010,   the team aims to restore the public’s confidence that there are attorneys with integrity who are willing to take these claims, handle them professionally and do their clients justice.

President Obama Signs James Zadroga 9/11 Act Today

 

President Obama today signed the James Zadroga 9/11 Health and Compensation Act of 2010 while vacationing in Hawaii.

For many 9/11 victims and their families, it was a long and painful road to this most deserving day. Some did not make it - and we mourn them and their sacrifice.

However, many 9/11 first responders, survivors, volunteers, construction workers and clean-up workers will now get the medical treatment and compensation they need so badly due to the Zadroga 9/11 Act - and for this we are all grateful.

Thanks to all the the unstoppable supporters of the Zadroga bill. Thanks to James Zadroga and his family - and all heroes like him.   

 

Zadroga WTC 9/11 Victims Compensation Bill Deal Reached in Senate ... Finally!

The New York Daily News just reported that a deal on the James Zadroga 9/11 Health and Compensation Act of 2010 has just been reached in the United States Senate.  ABC News also has an excellent story on the Zadroga 9/11 deal here. This is great news for the victims and families who have waited so long for this day to come.

Just last night, Sen. Tom Coburn of Oklahoma was threatening to block the Zadroga 9/11 WTC bill, and according to the Daily News report, it appears that he negotiated significant modifications to gain his support. Specifically, the original 10 year,$7.4 billion treatment and compensation package has now been trimmed to 5 years and $4.3 billion. 

It reopens the 9/11 Victims Compensation Fund  and caps attorney fees at 10%, which is fair.  According to the Daily News, it also bars first responders who will collect from the recent 9/11 lawsuit settlement from "double-dipping" (as if this was their first concern!). My clients just want to get healthy and protect their families financial future.    

More details on the actual bill that will be passed and signed into law will be filtering out soon and we will post the final version of the bill here.  For now, let's celebrate winning a hard fought battle for a bill, which while probably not perfect, is certainly better than no bill at all.

As always, feel free to contact Troy Rosasco with questions about eligibility at 1-877-693-2529 x123.  Merry Christmas and Happy Holidays to all our heroes. Stay tuned for further details.

 

Zadroga 9/11 WTC Ground Zero First Responder Bill Ready for Passage

When I last posted on the prospects of the James Zadroga 9/11 Health and Compensation Act of 2010, I was urging at least one Republican Senator to step up to the plate and act like a true Statesman.  Well, it looks like the yet to be named Republican(s) is finally on board. The tortured history of the long overdue Zadroga 9/11 bill is almost over, and hopefully the Senate will pass this much needed legislation prior to Christmas. That is, unless Republican Senator Tom "Scrooge" Coburn gets in the way! (see his cruel opposition paper to the Zadroga Victims Compensation Bill here).

Once the bill is law, we can all start to pitch in to get the 9/11 WTC heroes  the just compensation they and their families deserve. The text of the most recent version of the Zadroga Bill (likely to be changed in regards to funding and offsets in the final version) can be read and printed out here.

A great deal of political credit is due to Senators Schumer and Gillebrand, and New York City Mayor Mike Bloomberg. However, the real credit goes to these victims, many now dead, dying or chronically ill from unusual cancersand respiratory diseases, who dove into the rubble at Ground Zero after 9/11 to save lives without any concern for future compensation.  The grass roots efforts of the surviving WTC victims, their families and support organizations such as the FealGood Foundation to pass this bill is a testament to the American Spirit; we don't quit until the job is done.

Anyone with questions about their eligibility for compensation and health benefits under the new Zadroga Victims' Compensation Fund which will soon be created should feel free to call Troy Rosasco toll free at 1-877-693-2529 x123.

If the Zadroga 9/11 bill passes at this time of year,  the verse "Hark the Herald Angel Sings... God and some  "Republicans"  reconcile !" should be sung from the church pews.  Merry Christmas!    

Zadroga Bill Last Hope for Many 9/11 Ground Zero First Responders

 

Many say passage of the Detective James Zadroga Bill in the US Senate is all up to Chuck Schumer now.  Not so. 

It's really up to one brave Republican Senator willing to put partisan politics aside and do the right thing by these "injured war veterans".  They may not have served in Afghanistan or Iraq, but they were attacked all the same.

Many first responders unfairly closed out of the most recent mega 9/11 settlement may only have the Zadroga Bill to fall back on - and they are just as sick as the ones now being compensated in the lawsuits approved by Judge Alvin Hellerstein, according to Congresswoman Carolyn Maloney.

Which Republican Senator would vote to deny Iraq and Afghanistan war vets their right to medical care and compensation? Not one.

But because this issue has been portrayed as simply a local New York matter by some Republicans or another debt inflating conundrum by others, the Mitch McConnell crew in the Senate have not broken ranks - yet.

So which Republican Senator will be a Statesman rather than a politician? Whoever it is, I'll get out my chisel now and climb Mt. Rushmore, but I'm not holding my breath. 

Remember Your Local Veteran Today

I will be watching my son march with his Boy Scout Troop today in our local Veteran's Day parade.  Unfortunately, despite our fighting two wars, this parade continues to be sparsely attended as most Americans seem more eager to use a day off to scour shopping malls for Christmas bargains.  As a vet myself, this is deeply disappointing.

Whiles the local mall parking lots are filled with their Escalades and Lexus', a few or us will be remembering the sacrifice our veterans have made to preserve the freedom that allows such shopping excursions.  A few statistics:

  • There are currently approximately 23 million vets in the US ( 8% female )
  • There are approximately 2 million World War II vets still alive ( 850 pass away each day)
  • There are over 3 million vets receiving VA disability compensation
  • There are nearly 400,000 vets receiving disability benefits for PTSD 
  • See here for current  New York VA disability statistics

Attend a parade today if you can, say a prayer for our men and women overseas, or simply be grateful that there is not a draft and your son or daughter isn't in harms way.

 

House of Representatives Passes Zadroga 9/11 Health and Compensation Benefits Bill

Three cheers for the House of Representatives!!!

The House of Representatives today approved legislation to provide billions of dollars in medical benefits to rescue workers and residents of New York City who suffered illnesses from breathing in toxic fumes, dust and smoke at Ground Zero.

The James Zadroga 9/11 Health and Compensation Act,  is named after a New York City detective who participated in the rescue and recovery efforts at Ground Zero after 9/11. He in died in January 2006 due to difficulty breathing caused by his exposure at Ground Zero.

Importantly, the bill includes a provision that permits money from the Victims Compensation Fund to be paid out to plaintiffs who receive payments under the pending settlement stemming from lawsuits that 10,000 rescue and cleanup workers filed against the New York City.

The bill's prospects in the Senate are unfortunately less bright, but this was a morally right step for the victims and families of first responders. These heroes need permanent heath care guaranteed!

 

Troy Rosasco Wins Third Term on NOSSCR Social Security Disability Lawyer Board

I am humbled to have been re-elected to a third term by my colleagues as their Second Circuit Representative on the NOSSCR Board of Directors. I thank them for their continued support and look forward to helping them promote their top-notch and ethical attorney representation in Social Security disability claims.

I flew into the "windy city" of Chicago this morning to attend the Fall 2010 NOSSCR Disability Claim Lawyer conference. This year I will be attending some great sessions on the functional restrictions caused by multiple sclerosis, cancer, diabetes, PTSD caused by sexual abuse, hypertension, chronic pain, fibromyalgia and other auto-immune disorders.

I have always believed that thorough preparation of a client's case, including knowing the medicine of the claimant's disability better than the Administrative Law Judge (ALJ),  is a key element of winning any disability claim.

In addition, I will be presenting the NOSSCR Eileen P. Sweeney Distinguished Service Award tomorrow to two giants in the field of Social Security Disability Law: Charles Hall and David Traver. This is NOSSCR's highest honor, and both Charles and David are most deserving.

Last, but not least,  my friend and colleague Lew Insler and I plan to take in a Cubs game tomorrow night at the classic Wrigley Field. It doesn't get much better than that!

9/11 First Responders May Lose Mental Health Benefits from NYC

 

Happy First Responders Day??   The heroes from Ground Zero may no longer have much needed mental health benefits from New York City.  The Daily News reports that approximately 4,500 9/11 rescue and recovery workers would lose their mental health benefits beginning January 7, 2011, with no federal safety net in sight.

Unfortunately, this is all about pure "political game playing" and the Bloomberg administration is using the 9/11 heroes in a "game of chicken" with the Obama administration over who will fund this program and for how long.  Read between the lines of this letter from the Bloomberg Administration to the 9/11 heroes.  Shame on the Mayor!

Thankfully,  Reps. Carolyn Maloney and Jerry Nadler recently pushed the "Zadroga Act" bill through an important House of Representatives committee and this may provide first responders with some health protection   given the Mayor's current power play.  Let's hope so!

 

 

Rosasco Attends NOSSCR Disability Lawyer Conference in New Orleans

 

Today is the first day of the NOSSCR Social Security  Disability Lawyer conference in "The Big Easy", as this fun loving city is affectionately known. Some of the best Social Security disability lawyers  from around the country will be in attendance, including my good friend and current NOSSCR President Larry Wittenberg. 

While I was a presenter on ERISA Long Term Disability claims at the last NOSSCR conference, I am taking a break this conference so I can learn something new myself!  This time out I plan to sharpen my medical knowledge by attending separate seminars on multiple sclerosis, chronic fatigue syndrome fibromyalgialung disease (COPD) and  chronic pain.

In addition, I will be attending two seminars on Veterans Disability claims given by Katrina Eagle, Esq., one of the best in this complicated are of law.  I have seen her speak before at VA Disability Law conferences, and she really knows her stuff.  Finally, I will be attending a seminar on post-traumatic stress disorder, which is now rampant among returning vets from Iraq and Afghanistan.  I am seeing it weekly in my practice these days

After all this learning, perhaps I will take a much needed diversion to Bourbon Street to catch some New Orleans' jazz.  After all, they don't call it "the Big Easy"  for nothing!  

Brookhaven Lab Workers Get Compensation for Cancer Caused by Radiation Exposure

Newsday reports today that Brookhaven National Lab workers with cancer who were exposed to radiation at BNL during the Cold War will finally be able to receive the federal workers' compensation benefits that Congress intended when it set up a special compensation program for these workers in 2000.

The facts surrounding the Brookhaven exposures are eerily similar to the case our office won at trial regarding our clients who were exposed to radiation, TCE and PCE at the old Sylvania Nuclear Fuel Rod plant in Hicksville, New York. The current owner of the property, Verizon, is now fighting off multiple individual and class action lawsuits for cancer and other illnesses arising from the Hicksville nuclear site .

Prior to today's announcement, the Energy Employees Occupational Illness Compensation Program Act had been a dismal failure for former Brookhaven National Lab employees. In a decade, only 17 of 123 cancer cases had been approved due to the difficulty in establishing "dose exposure". The new "special class" of BNL Cold War workers will make it dramatically easier for those with radiation induced cancers to collect a lump-sum benefit of $150,000 and medical care.

I suppose "better late than never" is the best that can said for the federal government's shoddy treatment of the Brookhaven National Lab  workers.

 

 

Montana Wins ERISA Disability Claim Discretionary Clause Appeal - Why Doesn't New York Have Similar Ban?

"Discretionary Clauses" in ERISA disability insurance policies are the largest cause of unfair ERISA LTD claim denials across the country. They essentially create an uneven playing field in favor of an already powerful insurance company over a disabled claimant. Imagine if the Yankees were forced to play the World Series with only seven players on the field, while the Phillies had the usual nine. That's how bad discretionary clauses are for disabled claimants.  For this reason, a number of states now ban discretionary clauses in insurance contracts in an effort to simply make the playing field fair for disabled claimants.

Montana is one such state. The Standard Insurance Company didn't like little old Montana taking away their powerful shield against paying legitimate disability claims. Little did The Standard know that John Morrison, Montana's Commissioner of Insurance, is one scrappy fighter for consumers in Montana.  I recently had a chance to meet Mr. Morrison and he is an impressive fellow who felt strongly that his state had the right to level the playing field for Montana residents.

Well, two days ago, Mr. Morrison beat back The Standard Insurance Company in the Ninth Circuit Court of Appeals in the case of Standard Insurance Co. v. Morrison , No. 08-35246 (October 27).   As stated by the Court:

"Under the Employee Retirement Income Security Act of
1974 (“ERISA”), insureds who believe they have been
wrongfully denied benefits may sue in federal court. The
court determines the standard of review by checking for the
presence of a discretionary clause. Such a clause might read:
“Insurer has full discretion and authority to determine the
benefits and amounts payable [as well as] to construe and
interpret all terms and provisions of the plan.” If an insurance
contract has a discretionary clause, the decisions of the insurance
company are reviewed under an abuse of discretion standard.
Absent a discretionary clause, review is de novo.
Firestone Tire & Rubber Co. v. Bruch, 489 U.S. 101, 111
(1989).

Discretionary clauses are controversial. The National Association
of Insurance Commissioners (“NAIC”) opposes their
use, arguing that a ban on such clauses would mitigate the
conflict of interest present when the claims adjudicator also
pays the benefit. The use of discretionary clauses, according
to NAIC, may result in insurers engaging in inappropriate
claim practices and relying on the discretionary clause as a
shield.
See also John H. Langbein, Trust Law as Regulatory
Law: The Unum/Provident Scandal and Judicial Review of
Benefit Denials under ERISA, 101 Nw. U. L. Rev. 1315, 1316
(2007) (“As regards Unum’s ERISA-governed policies,
Unum’s program of bad faith benefit denials was all but
invited by an ill-considered passage in . . . Firestone Tire . . .
which allows ERISA plan sponsors to impose self-serving
terms that severely restrict the ability of a reviewing court to
correct a wrongful benefit denial.”).
According to NAIC, as of 2008, a dozen states had limited or barred the use of discretionary clauses in at least some form of insurance.
Insurers and other supporters of discretionary clauses argue
they keep insurance costs manageable.
They assert that more
cases will be filed in the absence of a discretionary clause and
that the wide ranging nature of de novo review will lead to
increased per-case costs as well. Failure to control litigation
costs, they suggest, will discourage employers from offering
employee benefit programs in the first place. See, e.g., Metro.
Life Ins. Co. v. Glenn, 128 S. Ct. 2343, 2353 (2008) (Roberts,
C.J., concurring in part and concurring in the judgment)
(“Ensuring that reviewing courts respect the discretionary
authority conferred on ERISA fiduciaries encourages employers
to provide medical and retirement benefits to their
employees through ERISA-governed plans—something they
are not required to do.”)"
In conclusion, the Court stated:

"The Commissioner’s practice is directed at the elimination
of insurer advantage
, a goal which the Supreme Court
has identified as central to any reasonable understanding of
the savings clause."
Smart Court. Smarter Insurance Commissioner.  Now, when will New York State Insurance Superintendent James J. Wrynn follow in Mr. Morrison's brave footsteps and protect New York consumers by banning discretionary clauses?

 

Is Daniel J. Hickey, Jr. the "Bernie Madoff" of New York Workers Compensation?

That's my opinion as quoted recently in an excellent piece of investigative journalism by Mary Beth Pfeiffer of the Poughkeepsie JournalWhy label him the "Bernie Madoff" of NY Workers' Comp?

As a result of his alleged actions, many small employers throughout New York State are now facing tremendous liabilities and possible bankruptcy because Daniel G. Hickey, Jr. and his former company, Bermuda based Compensation Risk Managers (CRM) allegedly submitted false information to the New York Workers' Compensation Board about outstanding claims and reserves, hired a public relations firm to post fake messages on the Yahoo Finance message board, and his company admitted acting as unlicensed claims adjusters. Read here about CRM's pull out from the NY market.

Despite his alleged misdeeds, according to the Journal story, Mr. Hickey resigned last March just in time to get a $3.3 million severance package an 2 million shares of company stock! Only in America!

To many small employers, the failure of the trusts administered by CRM is a financial calamity.  One member of the Elite Contractors Trust, which was managed by CRM, recently received a bill for over $300,000 to cover unfunded claims. Few employers can withstand such an unforeseen financial impact.  How many layoffs will this cause?  Only time will tell.

This is another example that proves that the most expensive and pernicious NY workers' compensation  misdeeds are not committed by injured workers.  For his role in the CRM scandal, the New York Disability Law Blog  inducts Daniel J. Hickey, Jr. into it's "Wall of Shame".

 

Judge Robert E. Beloten Appointed New York Workers Compensation Board Chairman

When I first started practicing workers' compensation law in the early 1990's at the Hempstead, NY hearing office,  Robert (Bob) Beloten was one of the sitting Workers' Compensation Law Judges. In many ways, I was very "green" and needed some guidance on how things "really worked" at the WCB.  Not only did Bob Beloten provide such guidance to me and other young attorneys at the time, he also made sure that our lack of experience did not harm our clients. That's what a good judge does- and Bob Beloten was certainly among the best.

When I was asked to present a seminar on workers compensation law at St. John's University Law School a few years back and needed a judge to offer his perspectives, I immediately reached out to Judge Beloten.  He graciously accepted and the law students at St. John's were treated to one of the finest seminars on judicial independence and philosophy in some time.

Bottom Line - Robert E. Beloten is a top notch workers' comp professional who has lived and breathed the workers' compensation law for most of his legal career. The NY Times has a nice article out today about Robert Beloten's appointment as WCB Chair.  Governor Paterson has made a wise choice in selecting the next Chairman of the New York State Workers' Compensation Board.  I wish him the best of luck!

NY Workers Compensation Board Chairman to become Social Security Disability Judge

I should have picked up the clues!  A few weeks ago I was speaking at the New York Social Security Disability Bar Association Annual Dinner in Manhattan.  This is always a great night for the Bench and the Bar break bread and have a few laughs.  I was there to speak about one of my favorite Social Security Judges, Andrew Weiss of the Long Island Office of Disability Adjudication and Review, who was receiving the prestigious Hon. Lester Rosen Award.  I have known Andy since his early days as a Workers Compensation Law Judge in Hempstead and he has a singularly unique blend of compassion and humor. 

Much to my surprise, in attendance was the current Chairman of the New York Workers' Compensation Board, Zachary S. Weiss (no relation).  Having attended these dinners for at least the last 15 years, I had never seen the Chair of the Workers' Comp Board enter the somewhat more calm sanctum of the Social Security Bar.  The Chair and I had a pleasant conversation over cocktails and it was my honor to introduce him later from the podium.  Other than that, I thought nothing more about the Chair's presence.

It all clicked  last Friday when the New York Times reported that Chairman Weiss was resigning from the Workers' Compensation Board to accept a position as a federal Administrative Law Judge (ALJ) for the Social Security Administration in the Jericho office.  My friends who are ALJ's had told me that offers went out to the new class of judges right about the same time as the Social Security Bar Dinner.  It was not a coincidence that Chairman Weiss was at the dinner - he was simply getting to know his future colleagues and the attorneys who might be appearing before him in the future!  Smart man!

As I said in an article published in WorkersComp Central regarding Chairman Weiss' resignation, he is quite simply a brilliant man.  I have spoken to him on many occasions. Although we have disagreed in the past on the substance of a few workers' compensation system issues, there is no question that his formidable intellect combined with compassion will directly benefit the individuals appearing before him in the future claiming Social Security Disability benefits.  Out of the often times murky waters of the NY workers' compensation system (click here for an interesting post from the Workers Comp Insider Blog), Zachary S. Weiss has emerged untarnished and renewed as a federal judge.  I wish him success and happiness in his new position adjudicating Social Security disability claims. 

New York Times Article on Workers' Comp System Disappoints

Today's New York Times article on the NY Workers' Compensation system is a major disappointment  given that the paper spent 18 months preparing what is essentially an extended "human interest" story.  The article is filled with anecdotal reports of claimant suffering and unsubstantiated editorials masquerading as fact.  However, it is woefully short on actual statistics regarding the actual efficiency of the system, and gives only cursory reporting on the systemic ongoing reform efforts that will eventually correct some of the perceived inefficiencies.

Reading the article, one would incorrectly assume that all 140,000 workers injured statewide every year must navigate the  "subbasement of the legal world", as the authors unfortunately characterize the New York Workers' Compensation Board.  Nothing could be further from the truth!  The vast majority of injured workers receive both appropriate medical care and any lost wage replacement before ever having to step foot into a hearing office. 

Hearing offices today are left to resolve only the thorniest cases involving legal disputes over proper wage loss payments and medical careHad the authors cared to check, they would have discovered that actual hearings statewide have decreased dramatically in the past few years. A comparison of the number of workers compensation claims processed through the Queens District office in 2008 to the number of these same claimants who had hearings in the Queens hearing office would have been instructive.  However, this information is nowhere found in this article which places a priority on "sensationalism" rather than concrete facts.

One of my colleagues from the insurance defense side states in the article: "Comparing Supreme Court, say, to this is like comparing a hospital to a MASH unit".   He is absolutely correct!   MASH (Mobile Army Surgical Hospitals) units  have been a great success throughout  history and statistics show that over 97% of injured service men  and women who made it to MASH facilities survived their injuries.  And yes, doctors like "Hawkeye Pierce" cracked a few "bawdy" jokes while saving thousands of lives.  I'll take Hawkeye Pierce and a MASH unit (the New York Workers' Compensation Board ) any day over  a faceless hospital ( the Supreme Court) where your "cure "can kill you as you wait five years to get in front of a jury to address your injuries.  By comparison, the NY Workers' Compensation Board is enormously efficient compared to New York State Supreme Court.

The Workers' Compensation Board is much like an Emergency Room where "triage" is used to treat the sickest patients first.  You can improve waiting times in emergency rooms by adding more doctors.  You can improve waiting times at Workers' Compensation Board hearing points by adding more judges

Certainly, as in any large bureaucracy, there is always room for improvement.  However, even in the current imperfect system,  there are injured workers whose medical and economic lives are saved each and every day in that "subbasement" known as the New York Workers' Compensation Board.  Nowhere in the Times article is there a quote from an injured worker who was "grateful" or "pleased"  because she could now pay the mortgage as a result a positive hearing experience.  Attorneys for both claimants and insurance companies see such positive experiences every day.  As a regular reader of the NY Times, I have come to expect more analysis and less sensationalism from an 18 month investigation.   

 

Congratulations President Obama: Now Please Fix ERISA Disability Claims Law

First and foremost, congratulations to our new President - Barack Obama.  His historic election will forever change the way opportunity and entitlement are viewed in the United States.  He has tremendous challenges before him, but with our support and shared sacrifice, perhaps we can right this dangerously leaky ship we call America.  Godspeed, Mr. President.

In the midst of this country's many problems, and on Inauguration Day especially, perhaps it seems a bit parochial to ask the new President to consider fixing the Employee Retirement and Income Security Act (ERISA).  However, since the stated goal of the New York Disability Law Blog is to provide "information, help and support" for disabled workers, and given that ERISA often times provides more security to "employers" than "employees", causing untold human suffering and economic despair, I will not apologize for focusing this one little post on the plight of the disabled.  After all, if you look at the amount of "pork" already stuffed into the current economic stimulus bill, you will clearly see that less important narrow interests are already swarming like vultures around Washington. And it is highly unlikely that CNN will pick this post up today.

Therefore, I implore the new President to ask but one aide to investigate the wholesale problems with ERISA that force so many with disability claims into bankruptcy.  Long before the mortgage meltdown, disability claim lawyers like myself saw families consistently go down the economic drain while fighting for their  disability benefits under the "employee unfriendly" ERISA.  Let us, with the hope inspired by our new President, resolve to fix  ERISA disability claims law in the next four years so that it actually does what it was intended to do - protect employees!

McCauley v. First Unum: A Second Circuit New Year's Gift to NY Long Term Disability Lawyers

Actually, the scathing Second Circuit decision in McCauley v. First Unum Life Ins. Co., 2008 U.S. App. LEXIS 26094 (2nd Cir., Dec. 24, 2008) came down this past Christmas Eve. But why quibble with form over substance when heralding this ground-breaking, pro-claimant decision interpreting the Supreme Court's recent decision in  MetLife v. GlennMcCauley, if followed by other circuits, has the potential to impact all claimant's with ERISA long term disability denials throughout the country.  If you don't think Unum was "taken behind the barn",  just read this from the Court in McCauley:

"First Unum is no stranger to the courts, where its conduct has drawn biting criticism from judges. A district court in Massachusetts wrote that “an examination of cases involving First Unum . . . reveals a disturbing pattern of erroneous and arbitrary benefits denials, bad faith contract misinterpretations, and other unscrupulous tactics.” Radford Trust v. First Unum Life Ins. Co., 321 F. Supp. 2d 226, 247 (D. Mass. 2004), rev’d on other grounds, 491 F.3d 21, 25 (1st Cir. 2007).

That court listed more than thirty cases in which First Unum’s denials were found to be unlawful, including one decision in which First Unum’s behavior was “culpably abusive.” Id. at 247 n.20. Also, First Unum’s unscrupulous tactics have been the subject of news pieces on “60 Minutes” and “Dateline,” that included harsh words for the company. Id. at 248-49. First Unum has fared no better in legal academia. See John H. Langbein, Trust Law as Regulatory Law: The Unum/Provident Scandal and Judicial Review of Benefit Denials Under ERISA, 101 Nw. U. L. Rev. 1315 (2007). In light of First Unum’s well-documented history of abusive tactics, and in the absence of any argument by First Unum showing that it has changed its internal procedures in response, we follow the Supreme Court’s instruction and emphasize this factor here.

Accordingly, we find First Unum’s history of deception and abusive tactics to be additional evidence that it was influenced by its conflict of interest as both plan administrator and payor in denying McCauley’s claim for benefits."   -  Ouch! 

Much like the recent ERISA disability claim we won on appeal for a trial attorney with MS who was turned down by his own employer, the infamous Met Life, Mr. McCauley was a tax attorney with an unquestionable disability - advanced colon cancer with the after effects of surgery and treatment. He originally applied for and was denied disability benefits in 1996, and the fact that he lived through the glacial administrative and legal process of ERISA claims is nothing short of a miracle, or perhaps the will of a determined man who had been wronged.

Despite the inhumanity of Unum's actions in this case, perhaps they have been unfairly singled out.  As an industry, there are very few long term disability insurers who don't use ERISA as a shield against unfair, and often times shocking, disability claim denialsCigna's unscrupulous disability claim denial tactics were the subject of a recent series of stories on Good Morning America.  As Professor Langbein so acutely observed in his article on the Unum Provident scandal cited by the Courts in both Glenn and McCauley:

"Cases of abusive benefit denials involving other disability insurers abound. Unum turns out to have been a clumsy villain, but in the hands of subtler operators such misbehavior is much harder to detect.'' 101 Nw.U.L.Rev. at 1321.

With new discovery opportunities envisioned by both Glenn and McCauley, it will be our job, as claimant ERISA long term disability attorneys, to expose the "subtler operators".

 

Wal-mart Now Under Criminal Investigation by Nassau DA Kathleen Rice for Worker Stampede Death

Nassau County District Attorney Kathleen Rice must have been reading the New York Disability Law Blog recently when we were the first to call for a criminal probe of Walmart's role in causing the death of it's employee, Jdimytai Damour.  As reported in Newsday, this aggressive prosecutor is willing to use the power of her office to place a bright light on worker safety AND employer responsibility.  She deserves the thanks of all working men and women in the New York area.  It's not every day that a public official is willing to stand up to Wal-mart.

Rather than see the fact's of the Damour case get buried by time and paper in a New York Workers' Compensation claim, DA Rice's investigation will hopefully make Walmart, and similar reckless retail employers, think twice before sponsoring "door-buster" "blitz" sales on the now appropriately named Black Friday.  Also credit the RWDSU and it's President, Stuart Appelbaum, for standing up to Wal-mart and placing the blame where it should be - Aisle #3!

Nassau County Workers Compensation Lawyer: Newsday Reports on Permanent Partial Disability Lump Sum Settlements

There are literally thousands of former Nassau County workers who are currently receiving lifetime workers' compensation payments (pensions) for life due to on- the- job injuries.  I know - I have represented a large number of these unfortunate individualsThese payments are overwhelmingly for workers who have been classified as having "permanent partial disabilities" and are destined to live the rest of their life in pain.

According to a Newsday article yesterday, Nassau County is now proposing a $55 million taxpayer funded bond to "sell" these claims to private insurers who would then try to convince the injured worker to settle the claim in a one-time "buy-out".   Is this good for the injured former Nassau workers?  For many of them, it is not a good deal at all unless they are paid "full value" for their settlement. It also may not be a good deal for the taxpayer. (See the excellent WorkersComp Insider post here) .

Our office recently negotiated a lump sum buy-out (often times called a Section 32 settlement) for a Nassau municipal worker for $650,000.00.  We thought this was a fair settlement given that the worker was going to lose both weekly non-taxable cash benefits and medical care for the rest of his life.  Unfortunately, you can bet that the insurance companies "bidding" for the Nassau County claims have no intention of paying fair settlement value to former Nassau employees.

The vast majority of lump sum buy-out offers are grossly unfair to the injured worker and are simply a device for insurance companies to dump claims and invest the excess profits.  The claimant needs a skilled NY workers compensation lawyer to negotiate a fair settlement. So what is amount fair?  First and foremost, for anyone who is likely to need major medical intervention in the near future, such as surgery, no amount of money may be the answer.  Remember, once the injured worker accepts the cash buy-out, he must pay for future medical care, including surgery, on his own.  Any settlement offer in a case like this would have to also "buy-out" the potential future cost of surgery, medications, physical therapy, etc.

Anyone considering a buy-out of a permanent partial disability claim should ask their workers compensation lawyer to do a "present value calculation" of what their future cash AND medical benefits are worth.  This present value calculation, which is the standard for settling long term disability claims, can be drastically impacted by current interest rates.  For instance, today I am using an interest rate tied to the ten year treasury bill rate (3.58% as of 4/08/08) to determine present value for the purposes of settling my cases.  When interest rates go back up, present value settlement offers will go down, so historically, now is a good time to get maximum value when deciding to settle a New York workers' compensation claim.   In addition, if you receive Social Security Disability in New York, you may need a Medicare Set-Aside agreement.

There are many present value calculators on the Internet which can help you determine a fair settlement proposal.  As my third grade math teacher instructed, I like to show my client's the "work", not just the answer, which I do on a Microsoft Excel spreadsheet.  Of course, settlement of any workers compensation claim is as much "art" as  arithmetic, but the math is always the starting point

It remains to be seen whether Nassau County dumps its old workers' compensation claims in the hands Warren Buffet and Berkshire Hathaway to settle with permanently disabled workers.  If it does and you are an injured worker approached for a buy-out of your claim, ask a lot of questions of your Nassau workers compensation lawyerYou don't want to leave any money on the table, and Warren Buffet has enough money. 

CBS News Special Report on Social Security Disability Claim Backlog

Last night the CBS Evening News with Katie Couric unveiled the first of two special reports on the Social Security Disability claim backlog.  My friend and fellow Social Security Disability lawyer, John Hogan, was interviewed and spoke of the 2 1/2 year wait for a hearing in the Atlanta area!  When you see the disabled claimant's profiled in this report, you will realize how cruel and unacceptable such waits are. 

I suppose that we should be thankful that the hearing wait in the New York metropolitan region is only 18 months!???  But it is hard to feel this way when you see clients losing their homes while they wait for the disability benefits they paid for and deserve.  Sadly, some of my clients have died before they get their hearings.  Hopefully, Congress will listen to this report and fund Social Security properly so that future claims can be expedited. Catch Part 2 of the CBS special report tonight at 6:30 pm EST by clicking here.  Thanks for your concern, Katie!

New York Times Reports on Social Security Disability Claim Crisis

Yesterday's front cover of the NY Times had an article detailing the long delays in the Social Security Disability claim process.  Much of the backlog is the result of Congress failing to adequately fund a Social Security disability claim system which is now facing more claims due to the aging of the "baby boomer" generation.  Today, a rash of editorials skewering both President Bush and Congress for this preventable crisis hit the streets and the far reaches of the Internet.  Something must be done - now! 

Last week, I traveled to New Haven, Connecticut to handle a Social Security disability hearing for an emergency room physician stricken with chronic Lyme disease.  The hearing before an Administrative Law Judge went well and we will win the case.  However, the client had to wait over 18 months for her hearing before the judge.  In this particular case, the wait did not have a dramatic financial impact on the doctor since she was already collecting benefits from her own private long term disability insurance policy through Northwestern Mutual Life

But this is the exception, not the norm.  Less than 20% of my clients have either employer sponsored group ERISA long-term disability plans or private individual disability income protection.  Most of my clients, when faced with the long delays at Social Security disability, are facing either bankruptcy or foreclosure.  As stated in the article, some die before their case is heard.  I have one such client in the hospital now with stage 4 terminal cancer.  In most cases, "justice delayed is justice denied".  A judge has not even been assigned to the case yet.  Thankfully, I was able to call in a few favors and have Social Security place this case on an expedited review.

The Social Security Administration recently proposed new rules to streamline the disability appeals process.  Click here to see the new rules and submit your comments.  Some of their ideas are good, others would harm disabled claimants even further.  As a member of the NOSSCR Board of Directors, I can assure you we will be submitting detailed comments to both expedite claims while protecting fundamental fairness to disabled claimants.

 

 

NY Disability Attorney Files Class Action Lawsuit Against Verizon for Potential Cancer Victims

As detailed in Newsday todayMitchell Breit of the national class action law firm of Whatley, Drake & Kallas and the disability law firm of Turley, Redmond & Rosasco have filed a "medical monitoring" class action lawsuit  against Verizon in New York Supreme Court, County of Brooklyn, for workers who previously worked at the former Sylvania nuclear fuel rod plant in Hicksville, Long IslandVerizon previously settled a lawsuit by surrounding residents for a reported 11 million dollars due to an increased rate of cancer in the area.  

The lawsuit follows a recent decision by the New York State Workers' Compensation Board which found that a worker on the site, Gerard DePascale, developed a rare and deadly cancer (extra-skeletal myxiod chondrosarcoma) as a result of exposure to toxins on the site.  In addition, a recently released Army Corp of Engineers report found danger to the public by this still contaminated site.  Despite special federal funding won by Senator Chuck Schumer for a complete clean-up of the site, legal wrangling between Verizon, the Army Corp and the New York State Department of Environmental Protection have put a stop to the clean-upHow many more people have to come down with cancer before Verizon does the right thing?

The lawsuit seeks to force Verizon to set up a "medical monitoring" fund so that the thousands of workers who were unknowingly exposed to the toxins  on the site can benefit from early diagnosis and treatment of any potential medical problems.  As detailed in the Newsday story today, workers like Robert Matteo are mad that they were never told of the dangers on their work site.

Unfortunately, Gerard DePascale, whose cancer has now spread to his lungs, is still waiting a final ruling from the New York State Workers Compensation Board.  Despite winning his case in front of trial judge Abigail Chanis in March 2007, his employer appealed the judge's decision.  He has now been out of work with no workers' compensation benefits since January 2006!  The abnormally long delay in deciding this appeal is causing the DePascale family severe financial hardship.  Thankfully, with new leadership at the Workers' Compensation Board, a decision in Mr. DePascale's case hopefully will be expedited.   

 

Turley, Redmond & Rosasco Partner Endorsed by Newsday for Suffolk County Legislature

Turley, Redmond & Rosasco founding partner William "Bill" Turley was endorsed today by Newsday as Smithtown's next representative in the Suffolk County Legislature.  Bill, who has been practicing workers' compensation and disability claim law on Long Island for over 20 years, impressed the Newsday staff with his innovative ideas on clean energy and immigration. 

  • 13TH DISTRICT

    North Smithtown, part of Huntington

    Republican Lynn Nowick, 60, of St. James, is running for a fourth term. Her assiduous constituent services assure her popularity. But she has few constructive new ideas, especially regarding the 800-pound gorilla in her district: the fate of the former Kings Park Psychiatric Center.

    On this vexing issue, her Democratic opponent, William Turley, 49, of Fort Salonga, agrees that the legislature has little influence beyond rhetorical support of a better proposal for the complex's use. But Turley, an attorney specializing in workers' compensation, brings a refreshing and progressive perspective that differs sharply with Nowick's in every other respect. He favors hiring halls for migrant workers, wants stricter penalties for sex offenders but is concerned about the constitutionality of residential restrictions, and would push for alternative energy policies in the county to offset dependence on foreign oil. We endorse Turley.

For many disabled clients on Long Island and New York City, Bill has been a steady hand guiding them through the disability claim mazeGood luck Bill on November 6th!

The Forgotten 9/11 Ground Zero Heroes

   Marie Cocco of the Washington Post has a great column today profiling one of our clients, Jeanmarie DeBiase, the widow of 9/11 hero Mark DeBiase.  While sick police officers and firefighters have received much deserved attention, workers in a variety of occupations, without whom the Ground Zero clean-up could not have been possible, have not received the same level of press.  Mark was a wireless phone technician who set up emergency communications for other 9/11 rescue and first responders and volunteers.  He died on April 9, 2006 due to interstitial lung disease caused by exposure to dust and toxins at the Fresh Kills landfill, where the World Trade Center debris was trucked.  

More importantly, they have not received the same level of medical and monetary support as the police and firefighters.  Many have lost their health insurance for both themselves and their families. Many ill workers continue to struggle as they fight workers' compensation claims being vigorously fought by employers who have forgotten the meaning of the word "compassion".  On this sixth anniversary of the collapse of the Twin Towers, may we all re-dedicate ourselves to helping families who cannot "move on" from September 11, 2001. 

Lawyers Sue Verizon Again Over Contaminated Nuclear Waste Site in New York

A Newsday article today details yet another lawsuit against Verizon for cancers and other life threatening diseases caused by Verizon's contaminated nuclear waste property in Hicksville, New York.  It was just a few years ago that Verizon paid out a multi-million dollar settlement to residents in the surrounding area over their increased rates of cancer.  Incredibly, despite their previous settlement with surrounding residents, they state in today's article that the property is not a health hazard!!!  They must be kidding!!!  Thankfully, at least the newest lawsuit is in front of federal District Court Judge Leonard Wexler, a no nonsense jurist who presided over the previous settlement.  Judge Wexler knows where the skeletons were buried by Verizon.

Perhaps Verizon should review the most recent United States Army Corp of Engineers report  before issuing such silly press releases.  Perhaps they should tell this to Senator Chuck Schumer and Congressman Pete King who both have pledged recently to aid in the cleanup. Perhaps they should tell this to the New York Workers' Compensation Board which has already ruled favorably for two workers on the Verizon site.  By denying the obvious, Verizon is besmirching its once good name and entering the "ENRON" class of corporate responsibility.

Does Verizon have no shame? What about Verizon CEO Ivan Seidenberg? How many more victims have to contract cancer due to Verizon's contaminated nuclear property before they accept responsibility for the nuclear and other toxins on the Hicksville site?  Perhaps they have made a cold calculated business decision that its cheaper to pay off a few hundred cancer victims than it is to clean up there own property.   Anyone ever heard of the Ford Pinto cases?  Whatever Verizon's motivations, you can be sure they have more to do with shareholder returns than the health of Long Islanders.

However, assuming Verizon is first and foremost profit motivated, wouldn't it make good financial sense to be a good neighbor as they roll out their FIOS service across Long Island? After all, who would want to buy anything from a known corporate polluter?  Step up and do the right thing - perhaps you will be embraced by residents of Nassau and Suffolk counties looking for an alternative to Cablevision.  Fight to the death (literally) like Magazine Distributors, and I can't think of one New York resident who would want to sign up for FIOS service  (check out how healthy the workers in the FIOS video look...) if they knew their monthly bills went to fight cancer victims.  

Much like Ground Zero workers, the men and women who worked directly on top of this acknowledged nuclear waste site will be getting sick for years to come.  The time has come for Verizon and Ivan Seidenberg to "do the right thing".  Don't count your chickens just yet.  Verizon even fights its own workers' 9/11 related cancer claims!  Anyone have Michael Moore's phone number? Those are my thoughts - what do you think?

Long Term Disability Attorneys Fight to Ban Unfair Insurance Contract Clauses in New York

Recently, a group of some of New York's top long term disability insurance lawyers and advocates gathered in Manhattan to sign an important document for the benefit of all employees who are covered for LTD benefits through an ERISA plan sponsored by their employer.  This letter to the NY Insurance Superintendent Eric Dinallo requested that unfair "discretionary clauses" in insurance contracts be banned in New York, as they have been recently in New Jersey and California. 

As previously reported in this blog, this follows the prior attempts to ban discretionary clauses under the Pataki administration.  To date, it is unknown what the Spitzer administration's position will be on this issue.  However, it is hoped that the Superintendent Dinallo will join other progressive states in leveling the playing field for disablity claimants and stop unfair insurance company practices which deny legitimate long term disability claims.  We will keep you updated when we receive a response from Superintendent Dinallo.

Veterans Disability Claims: Attorneys to the Rescue

As an Air Force veteran myself, I have always had a soft spot for my disabled veteran clients who have put their life on the line to protect our country and our freedoms.  However, the United States Veterans' Administration has done an awful job over the years by denying legitimate VA Disability claims and allowing the system to have a now 400,000 case backlogThis is is not the 'thank you" our young men and women returning from Iraq deserve if they are missing limbs.

Thankfully, help is on the way for disabled veterans fighting the daunting Veterans' Disability Claim process from us "controversial  lawyers".  A new law, originally sponsored by Senator Larry Craig (R-Idaho),  will finally allow disabled veterans to hire attorneys to fight their unfair claim denials or disability ratingsThe new law, effective June 20, 2007,  allows lawyers to enter the administrative disability determination process at the most critical stage - when evidence is being obtained to support the claim.  If they aren't running into a filing deadline, some disabled veterans are waiting until after this June 20th to file their appeals so they can do so with lawyers.

The system is so backward now that our law firm has been representing one New York disabled veteran in his claim for over seven years without a final resolution.  This case illustrates the old adage  "justice delayed is justice denied".  Under the old law, the disabled vet was on his own (he could not by law hire a lawyer) during the initial claim processing and the first appeal to the Board of Veterans' Appeals.  The Veterans' Administration only allowed attorneys to enter the process at the US Court of Appeals for Veterans' Claims, where the evidentiary record had already been closed.  This prevented the attorney from introducing any new evidence the veteran representing himself may have not known to submit.

Even the DAV (Disabled American Veterans), a formerly staunch opponent of the right to attorney representation due to  its desire to "protect the turf " of its own Veterans' Service Officers, seems to  now support attorneys in the process based on a recent Newsday article on VA disability claims .  The American Legion has always supported the right of the disabled American veteran to retain counsel or a law firm. 

Turley, Redmond & Rosasco attorneys have been practicing before the US Court of Veterans' Claims for over ten years.  Whether injured recently in Iraq or still suffering PTSD from Vietnam, do not hesitate to call our partner, David Tobias, Esq., in our Veterans' Disability Department toll free at 1- 877-NY-DBLAW.

 

 

New York Workers' Compensation Lawyer Nominated for Legislature

Congratulations to Turley, Redmond & Rosasco, LLP founder William J. Turley on being nominated last night as the Democratic candidate for the Suffolk County Legislature's 13th District, as detailed in today's Newsday

Besides being one of Long Island's leading workers' compensation lawyers, Bill will be an excellent county legislator come this November.  Bill was recently the sole honoree of the New York Workers' Compensation Bar at a fundraiser for "One in Nine", the breast cancer advocacy group.  Needless to say, everyone at our firm is extremely proud of Bill's past and future accomplishments.  Go Bill!

Big Victory for Workers Contaminated by Radiation at NY Verizon Nuclear Waste Site

US Senator Charles Schumer announced in a Newsday article yesterday that treatment, medical monitoring and potential compensation are on the way for potentially thousands of workers who formerly worked atop the nuclear waste site owned by Verizon in Hicksville, New York.  In addition to announcing the new benefits for workers, a frustrated but determined Senator Charles Schumer stated that "I will hold the Army Corps' of Engineers feet to the fire" and "the site should have been cleaned up yesterday", referring to his previous efforts in 2004 to achieve a full cleanup.   

Shocked that their efforts in 2004 to secure a federal cleanup of the Hicksville, Long Island,  New York nuclear waste site have not been completed to date, both Senator Charles Schumer and Congressman Pete King vowed to to cut through the bureaucracy and finger pointing.  Both Schumer and King were reacting to a letter request for intervention from Troy Rosasco, the attorney for Gerard Depascale, who the New York Workers' Compensation Board recently found contracted a rare cancer while working for the Hudson News Group on this site and was awarded lifetime workers' compensation and medical benefits.  In a previous Newsday artcle on Mr. Depascale, Mr. Rosasco compared the illnesses facing the Hicksville workers as similar to the ilnesses facing 9/11 workers who were exposed at Ground Zero.   "Over the course of the next 10-20 years, I believe we are going to see more cases of cancer and other illnesses related to radiation at this site", said Rosasco.

This new aid promised by Senator Schumer will be especially welcome to those workers who were exposed to ionizing radiation  and other toxins on the site and are now in fear of getting sick in the future.  In addition, the Army Corp of Engineers promised to return to the site this May for more investigation.    Turley, Redmond & Rosasco, LLP is compiling a list of  workers who ever worked on this site and may have been exposed to radiation and other chemicals.  Please call Troy Rosasco, Esq. at 631-582-3700, ext. 123 if you worked at this site and would like to be on the list for possible testing, treatment and/or compensation.   We will keep you posted on further developments. 

Long Island Verizon Sylvania Nuclear Waste Site Conspiracy?

That's what Adreinne Esposito, Executive Director of the Citizens' Campaign for the Environment, called the growing controversy regarding Verizon's radiation contaminated property located in Hicksville, New York  in a recent News 12 Long Island television report on the former Sylvania Nuclear Products facility.  See the full video here.

After Newsday's first story broke about our client's cancer related to his work at this site for Magazine Distributors, Inc.,  a division of Hudson News, in an article few weeks weeks ago, the unanswered questions regarding the dangers at this toxic site are rapidly expanding.  Newsday later followed up a week later with another story unearthing a previously unreleased Army Corp of Engineers report dated November 2005 showing worse contamination than previously thought

Why did the federal Army Corp of Engineers sit on the Hicksville Sylvania Nuclear Waste Site report for almost two years and release it only to Verizon ( a defendant in a billion dollar lawsuit brought by local residents alleging increased cancer risks) and the New York DEC?  Way back in 2004, New York Senator Chuck Schumer and US Representative Peter King announced, "It's the federal government that created this mess, it's the federal government that should fix it".  Did they "fix" this radioactive site located smack in the middle of Long Island suburbia, or did  powerful corporate and governmental interests  try to sweep this one under the rug

According to Ms. Esposito of Citizens' Campaign for the Environment, " Instead of being honest with the public, they covered it up.  That is negligence on the part of the federal government and that's a conspiracy to keep the public in the dark". 

One thing we know is that Senator Chuck Schumer and Congressman Pete King are scrappy fighters determined to protect the health and welfare of both Hicksville residents and all Long Island workers who worked at the employers located on the Verizon property.  The New York State Workers' Compensation Board already ruled that our client contracted a rare and deadly cancer, extraskeletal myxoid chondrosarcoma,  while working on this site for a tenant of Verizon.  As George Johnson, a neighbor of the site for seven years, so appropriately said in the News 12 video, "How many people have to die before something happens, before we do the right thing". 

Let's hope Senator Schumer and Congressman King can get the Army Corp of Engineers and Verizon to do the right thing and clean up this site  with all deliberate speed.  

NY Workers' Compensation Board Finds Cancer Linked to Radiation at Hicksville Nuclear Waste Site

Yesterday's Newsday had a disturbing article regarding the radiation related health risks to workers who worked on or around the Hicksville, Long Island, Sylvania Nuclear Waste Site ,now owned by Verizon.  Our office recently won a workers' compensation claim for a worker who contracted a rare cancer, extraskeletal myxoid chondrosarcoma, due to ionizing radiation and other toxins while working on this site for Magazine Distributors, Inc.,  a division of Hudson News.  If I were a worker at this site or knew someone who worked near there, I would read this article carefully.

This nuclear waste site, located at 70,100 and 140 Cantiague Rock Road, Hicksville, NY was operated by Sylvania between 1952 and 1967 and was licensed by the US Atomic Energy Commission to manufacture nuclear fuel rods for use during the Cold War.  The radioactive elements uranium-235 and thorium were processed and milled at the facility.  The uranium and thorium were then subject to machining, grinding and incineration.  The facility then burned sludge to reclaim more uranium.

In addition, the Sylvania plant, although unauthorized to do so, burned scrap uranium as a three shift, seven day a week operation until 1960Large 55 gallon drums of uranium scrap metal were burned on site.  During the ongoing site clean-up, 55 gallon drums have been found buried at the site.  In addition to the radioactive substances, the site is contaminated with tetrachloroethene, trichloroethene and nickel.  Someone described the site as the location of a "dirty bomb".

Verizon, the current owner of the site, set aside $240 million for the ongoing clean-up which is now being monitored by both the New York State Department of Environmental Conservation and the Army Corp of Engineers.  Recent documents obtained by our lawyers during the litigation indicate that there may be more contamination than originally thought below the 100 building, the former location of Magazine Distributors, Inc.  

On November 9, 2006, the Hicksville Water District warned residents of of higher than allowed concentrations of tetrachloroethylene (a toxin found on the site)  in the drinking water from one of their supply wells and the potential cancer risks it might cause.  The well was immediately taken out of service.

Currently, neither the Army Corp of Engineers nor the New York State DEC nor Verizon are releasing statements about the what is currently being found on this dangerous site.  Thousands of pounds of contaminated soil have been carefully transported to Envirocare in Utah.  In 2004,  New York Senator Schumer  stated that "it's the federal government that created this mess, it should be the federal government that fixes it".  To date, the public doesn't know the current status of the site and when or if it will be properly cleaned up.  In the meantime, more workers and local residents are getting gravely illPerhaps it's time for Senator Schumer to get to the bottom of this quagmire and let the public know the current health risks on the site.

As reported in Newsday, the lawsuit brought by local residents against the property owner, Verizon, for their increased cancer risk was recently settled for approximately $11 million.  The New York Department of Environmental Conservation is currently prosecuting  lawsuits arising from this site in federal court in Central Islip.  As stated in the Newsday article, this toxic waste dump could have impacts like those facing 9/11  rescue workersWorkers on this site, which also included the companies Air Techniques and Gilbert Displays, could be facing cancer and other health problems for years to come.   Scary stuff!

 

 

 

 

 

Nassau Lawyer Speaks on New York Workers' Compensation Reform Bill

I was interviewed the other day by WorkersComp Central, a national on-line newspaper dedicated to workers' compensation issues, on the impact of the new Spitzer New York Workers' Comp Reform Bill.  This bill passed both the Senate and the Assembly unanimously yesterday and is expected to be signed by Governor Spitzer next Tuesday.  The new law takes effect July 1, 2007,  and the changes are transformative - to say the least.  For attorneys who have practiced law in this administrative and technical forum many years, the changes will test our ability to adapt to radically new benefit structure.  It should be interesting!  

Insight on Spitzer's New York Workers' Compensation Reform Agreement

Over the past few months, you may have noticed a precipitous drop in the number of posts to the New York Disability Lawyer Blog.   However, as Co-Chair of the New York Workers' Compensation Alliance,  I've been doing the Albany shuffle along with some of my dedicated colleagues in an attempt to protect injured workers from any disastrous workers' comp reform.  Well - were in the ninth inning now given Governor Spitzer's press conference today announcing a workers' compensation reform agreement between all the major players at the bargaining tableIt's been a long but hopefully worthwhile fight.

Give New York Governor Eliot Spitzer credit - he played his cards in the workers' compensation reform deal brilliantly and in the process has undone one of the pillars of the original law that was on the books for nearly 100 years - the permanent partial disability pension.  That's not to say that this pillar was not crumbling of it's own weight and didn't need some reforming. After all, it had been around since the assassination of Prince Archduke Francis Ferdinand!  But like a historic neighborhood that is indelibly disturbed by the need for a three lane highway, it was rather sad to watch, especially for those of us who are a bit nostalgic when it comes to labor history.  The price of progress!

So, who are the winners and losers in the new reform deal? Aside from the obvious political winners -Governor Spitzer, Assembly Speaker Silver and  Senate Majority Leader Bruno- who all seemed to be playing nicely in the rose garden, the winners are as follows:

  • Injured workers earning over $600 per week, who will now see an immediate potential benefit increase;
  • Injured workers who will have greater access to real job retraining and rehabilitation;
  • Injured workers whose authorization for appropriate medical care will be sped up;
  • Injured workers whose claims will be resolved quicker due to the implementation of the new "Rocket Docket" proposed by the Workers' Compensation Alliance;
  • Employers who should see a 10-15% decrease in workers' comp premiums;
  • Honest employers who will no longer subsidize cheating employers due to new criminal employer fraud penalties;
  • Doctors who often waited months for authorization for much needed surgeries for their patients.

Now, as in any hard fought compromise,the inevitable losers:

  • Injured workers with permanent partial disabilities who cannot be rehabilitated for other work (i.e. the 58 year old carpenter with no high school degree, among others);
  • Injured workers earning less than $600 per week;
  • Dishonest employers who will now face felony criminal charges;
  • The New York Compensation Rating Board, which will be abolished;
  • The "Second Injury Fund", which will be phased out of existence;
  • Any others that we discover once the actual written bill details are released.

Teddy Roosevelt - excuse me...Eliot Spitzer! - chocks up one more win on the scorched earth reform path.

 

 

 

New Year, New Format for New York Disability Law Blog!

Welcome to the newly designed New York Disability Law Blog!  As you will notice, I changed the official title of the blog from "The Disabled Worker Law Blog" to the  more informational "New York Disability Law Blog".  This is in keeping with the blog's purpose of providing useful information and insight regarding disability claims to fellow attorneys and the general public

To this end, I am excited to announce the creation of the blog's "Disability Law Library" which will be continually added to and updated.  I hope that this will eventually become the first place attorneys and claimant's turn to when researching disability claims and legal issues.  Still in it's formative stages, the library will have sections on long term disability and ERISA claims, Social Security  disability, New York workers' compensation, civil service disability pensions, scaffold /ladder /construction site lawsuits and a new section on the unfortunate expanding area of veterans' disability claims.

In addition, in 2007 we hope to do a better job collaborating with fellow bloggers such as Jonathan Ginsberg and his excellent Social Security Disability Radio Blog.  Please feel free to comment about the new design and let me know how the New York Disability Law Blog can better serve your needs.  Talk to you soon.

Long Island Workers' Comp Lawyer Interviewed on NY Workers' Comp Reform

As Co-Chair of the New York Workers' Compensation Alliance, I was interviewed for an article published Monday at the  Workers' Comp Central web site on the upcoming workers' compensation reform debate in Albany under the new Spitzer administration. 

Short Version - severely injured workers are going to have to fight hard to protect their rights to lifetime workers' comp benefits when they have permanent partial disabilities and are no longer employable.  With the help of the New York State Business Council and the ever present insurance lobby, the debate  is trying to be shifted from protecting workers with horrendous injuries to re-invigorating the dormant upstate economy.  While we all support bringing more jobs back to upstate New York, there are no independent credible studies linking increased workers' compensation costs to a decline in the upstate economyIf workers' comp costs were such a drain on business, why hasn't it had a similar impact on the downstate economy

Workers' comp costs declined after the 1996 reforms under Governor Pataki.  Did this jump start the upstate economy?  Workers' compensation seems to be the easy whipping boy by some for all of upstate's economic woes.  Sure - take it out ion the lady with no hand after it was caught in a machine at work.   Thankfully, Governor-Elect Spitzer has surrounded himself with some of the sharpest policy advisors in New York.  I have no doubt they will be able to think "outside the box" and find solutions to the upstate economic problems without hurting permanently disabled workers.

The entire article is below:

New York -- Spitzer Expected to Make Sweeping Changes in NY Comp: Top [12/11/06]

An alliance of New York attorneys and other advocates representing 200,000 injured workers called for sweeping reforms in the state's workers' compensation system Friday and said it has high hopes for Gov.-elect Eliot Spitzer.

"We think he's going to take a hard look at insurance companies before he proposes any major change in workers' compensation," said Troy Rosasco, who co-chairs the New York State Workers' Compensation Alliance.

"There are already meetings going on, and the time will be sooner rather than later," Rosasco said. "I would think we would have substantial workers' comp reform of some sort or another within the first six months of the Spitzer administration."

Spitzer's transition team did not respond to a request for an interview Friday. And the veteran state attorney general is keeping his own plans for workers' compensation reform close to his vest.

He has told participants in a series of meetings intended to forge a compromise among employers, claimants' attorneys and the unions that they won't get a preview of his plans until his inauguration next month.

But Spitzer gained national attention with a string of major settlements with insurers over allegations of accounting irregularities and the payment of illegal contingent fees to secure business.

Most notably, Spitzer signed a record-setting $1.65 billion settlement with American International Group in February, after he accused the insurance giant of cooking its books to smooth out quarterly financial earnings reports.

That surpassed his $850 million agreement with Marsh & McLennan over its use of continent commissions paid to brokers.

And the AIG case led to the ouster of former company CEO Maurice "Hank" Greenberg and his chief financial officer, Howard Smith, as well as a string of ongoing civil and criminal cases.

"He's a good sheriff of the industry," Rosasco said.

With the New York State Assembly set to return to Albany in January, Spitzer has promised to call a summit meeting of shareholders in workers' compensation.

Reforming the system was a major part of his campaign, along with rescuing the beleaguered economy of upstate New York.

The state of the economy has pitted the alliance against the Business Council of New York State and its affiliate, New York Workers' Compensation Action Network (NYCAN).

NYCAN has called on Spitzer to impose the state's first cap on permanent partial disability, saying the PPDs account for 15% of the state's workers' compensation cases and 75% of the expenditures.

The alliance is opposing the caps and pushing hard to raise the maximum weekly benefit for injured workers, which has been capped at $400 since 1992.

On Friday, the alliance called for increasing the maximum benefit to two-thirds of the state average weekly wage. Suggesting a phased-in payment schedule, the alliance also is seeking to raise the minimum weekly rate from $40 to $120.

The alliance wants to raise the benefit amount under the state's Disability Benefits Law to one-half the claimant's average weekly wage without a maximum limit. And it wants Spitzer and lawmakers to require the state Workers' Compensation Board to set a future revaluation date for workers with PPDs, at which time the worker would have to demonstrate an attempt to reenter the labor market.

The proposals released Friday would increase the dollar limit for required pre-approval of medical services from $500 to $1,200 and require private carriers to pay for medical care while workers' compensation claims are pending.

Finally, the proposals would abolish the Compensation Insurance Rating Board and transfer the job of ratemaking classification to state government.

"The biggest issue and the biggest stumbling block we will face in the upcoming negotiations is how injured workers with permanent partial disabilities are treated," Rosasco said. "If he (Spitzer) were to implement a cap, those who remain out of work will become wards of the state welfare system."

Citing upstate New York's depressed economy, NYCAN said in is recently call for action from Spitzer that brokering a compromise on workers' compensation is "the best way to send a signal that he will boost upstate's fortunes."

NYCAN warned that New York has the second-highest average workers' compensation claims in the nation despite the fact that its maximum weekly benefit hasn't changed in more than a decade.

The group said employers' costs are 15% above the national average. Average claims are more than $16,000, up from $11,793 two years ago.

The group called for limiting PPD awards to 10 years.

Current Gov. George Pataki proposed reforms a year ago and said he would slash employers' costs by more than 15% while boosting benefits by 25% for injured workers.

But Pataki's package ended in a legislative gridlock during the 2006 session. Rosasco said he expects Spitzer to fare better, if workers' advocates succeed in severing the issue from the economic fortunes of upstate New York.

"There is no evidence that says the upstate economy has been hurt by workers' compensation costs," Rosasco said. "Frankly, they have not been able to attract business after a large part of the manufacturing base left for Southeast Asia."

--By Michael Whiteley, WorkCompCentral Southeast Bureau Chief
[email protected]

 

 

 

NY Attorney General Spitzer Fines Disability Claim Insurer UnumProvident

Need another reason to vote for Eliot Spitzer for New York Governor tomorrow?  This guy just keeps on working for the little guy (including one of my corporate executive clients receiving over $400,000 per year in disability payments from UnumProvident) and fighting greedy insurance companies right up to his presumptive landslide win on Election Day. This wasn't about getting votes (he doesn't need  any more at this point) - it was about doing the right thing for disabled workers.

Late last week, Unum agreed to $15.5 million dollars in restitution to over charged policyholders and a $1.7 million dollar civil penalty. This settlement with UnumProvident, the nation's beleaguered yet largest long term disability claim insurer, comes on the heels of Spitzer's prior settlement with UnumProvident requiring them to re-access tens of thousands of previous unfair long term disability claim denials.  Give Eliot Spitzer credit and your vote tommorrow - to date, he has done more to protect injured and disabled than any past NY Attorney General of recent memory.  Now let's hope he protects New York workers' compensation claimants just as well in his new role as Governor!

 

New York Withdraws Opinion on Discretionary Clauses in ERISA Disability Income Insurance Claims

In April of this year, New York joined the growing list of states banning discretionary clauses in ERISA long term disability policies, much to the benefit of disabled workers.  Unfortunately, the New York State Insurance Department recently rescinded it's prior advisory letter in favor of proceeding with formal rule making in the future.  While it is clear that New York still feels that "discretionary clauses" are unfair to ERISA long term disability plan participants, this newest circular letter does subject current disability claimants to uncertainty in the near future.

New York Insurance Department Circular Letter # 8, dated 3/27/06, required long term disability insurance companies to remove "discretionary clauses" from disability income policies within 30 days they were "unjust, unfair, inequitable,  misleading , deceptive or contrary to public policy".  New Circular Letter # 14, dated 6/29/06, super cedes and withdraws Circular #8, and states that the Department will be drafting regulations which would "prohibit the use of discretionary clauses".  In the interim, the Department "suggests" that long term disability insurers remove discretionary clauses from policies.

While the latest statement from the New York Insurance Department takes a little wind out of the initial announcement in March, it could lead to stronger permanent regulations which will have more impact in court.   In addition, the formal rule making process allows for public comment.  You can be sure the long term disability carriers will use this opportunity to water down the new regulations to their economic benefit.   You can also be sure that Turley, Redmond & Rosasco will counter all such comments vigorously to protect disabled policyholders in their long term disability claims.

 

Synopsis of 2006 New York Workers' Comp Bills Passed in Albany

The New York Workers' Compensation Alliance, a lobbying group and political action committee (PAC) protecting injured workers, just published an excellent synopsis of all 2006 NY Workers' Comp bills that were passed in Albany.  Check it out.

Thankfully, we were successful this year in heading off some of the disastrous workers' comp bills pushed by insurance companies and big business.  No doubt they will be back next year with other draconian "reform" measures, but we'll be ready to expose their true motives - profits at the expense of permanently disabled workers!

New York Legislature Passes New 9/11 Workers Comp Bill to Protect Ground Zero Claimants


Congratulations to the New York State Assembly and New York State Senate for passing an amendment to the NY Workers' Compensation Law (new Article 8-A) which will grant new rights and benefits to ill 9/11 rescue, recovery, clean-up workers and volunteers who worked at Ground Zero after the World Trade Center tragedy. Thanks to the hard work and diligent efforts of many individuals and organizations, including the NY Workers' Compensation Alliance,  who pushed for passage of this important bill, these heroes will now have their health and economic security protected.

The new "9/11 Bill" allows workers who later become ill with conditions such as asthma, chronic obstructive lung disease (COPD), asbestosis, mesothelioma or cancer to file their claims as "occupational diseases". This change essentially extends their time to file a claim to two years from the "date of disablement", rather than two years from the date of exposure exposure which resulted in the denial of many claims to date. Claimants who have had 9/11 disease cases disallowed for late claim filing (statute of limitations) problems can now re-open those denials. Anyone with a 9/11 claim previously denied due to lateness should contact a workers compensation attorney immediately. Turley, Redmond & Rosasco has been handling 9/11 workers' comp and disability claims since the WTC tragedy.  Our attorneys have written numerous articles and lectured at local law schools regarding 9/11 workers' compensation claims.  Any rescue, recovery, or clean up worker whose claim was previously denied or believes their current illness is related to work at Ground Zero is invited to call us for a FREE CONSULTATION.  That's the least we can do for our 9/11 heroes.  The entire text of the new 9/11 workers' comp bill is below:

--------------------------------------------------------------------------------------

AN ACT to amend the workers' compensation law, in relation to claims for
illnesses sustained by workers who participated in the rescue, recov-
ery and clean-up effort following the terrorist attack at the World
Trade Center on September 11, 2001

The People of the State of New York, represented in Senate and Assem-
bly, do enact as follows:

1 Section 1. The workers' compensation law is amended by adding a new
2 article 8-a to read as follows:
3 ARTICLE 8-A
4 WORLD TRADE CENTER RESCUE, RECOVERY AND CLEAN-UP OPERATIONS
5 Section 161. Definitions.
6 162. Registration of participation in World Trade Center rescue,
7 recovery and clean-up operations.
8 163. Notice; participants in the World Trade Center rescue,
9 recovery and clean-up operations.
10 164. Disablement of a participant in World Trade Center rescue,
11 recovery and clean-up operations treated as an accident.
12 165. Reopening of disallowed claims.
13 166. Liability of employer and insurance carrier.
14 167. Claims of volunteers.
15 § 161. Definitions. Whenever used in this article:
16 1. "Participant in World Trade Center rescue, recovery, or cleanup
17 operations" means any (a) employee who within the course of employment,
18 or (b) volunteer upon presentation to the board of evidence satisfactory
19 to the board that he or she:
20 (i) participated in the rescue, recovery, or cleanup operations at the
21 World Trade Center site between September eleventh, two thousand one and
22 September twelfth, two thousand two; or
23 (ii) worked at the Fresh Kills Land Fill in New York city between
24 September eleventh, two thousand one and September twelfth, two thousand
25 two, or

EXPLANATION--Matter in italics (underscored) is new; matter in brackets
[ ] is old law to be omitted.
LBD17509-01-6
S. 8348 2

1 (iii) worked at the New York city morgue or the temporary morgue on
2 pier locations on the west side of Manhattan between September eleventh,
3 two thousand one and September twelfth, two thousand two, or
4 (iv) worked on the barges between the west side of Manhattan and the
5 Fresh Kills Land Fill in New York city between September eleventh, two
6 thousand one and September twelfth, two thousand two.
7 2. "World Trade Center site" means anywhere below a line starting from
8 the Hudson River and Canal Street; east on Canal Street to Pike Street;
9 south on Pike Street to the East River; and extending to the lower tip
10 of Manhattan.
11 3. "Qualifying condition" means any latent disease or condition
12 resulting from a hazardous exposure during participation in World Trade
13 Center rescue, recovery or clean-up operations.
14 4. "Disablement" shall have the same meaning as defined in section
15 thirty-seven of this chapter and determined by the board in the same
16 manner as provided in section forty-two of this chapter.
17 § 162. Registration of participation in World Trade Center rescue,
18 recovery and clean-up operations. In order for the claim of a partic-
19 ipant in World Trade Center rescue, recovery and clean-up operations to
20 come within the application of this article, such participant must file
21 a written and sworn statement with the board on a form promulgated by
22 the chair indicating the dates and locations of such participation and
23 the name of such participant's employer during the period of partic-
24 ipation. Such statement must be filed not later than one year after the
25 effective date of this article. The board shall transmit a copy of such
26 statement to the employer or carrier named therein. The filing of such a
27 statement shall not be considered the filing of a claim for benefits
28 under this chapter.
29 § 163. Notice; participants in the World Trade Center rescue, recovery
30 and clean-up operations. The notice requirements for injury or death
31 resulting from a qualifying condition for a participant in World Trade
32 Center rescue, recovery and clean-up operations shall be the same as set
33 forth in section eighteen of this chapter, except that the notice shall
34 be given to the employer, or in the case of a volunteer, to the board,
35 within two years after the disablement of the participant or after the
36 participant knew or should have known that the qualifying condition was
37 causally related to his or her participation in World Trade Center
38 rescue, recovery and clean-up operations, whichever is the later date.
39 § 164. Disablement of a participant in World Trade Center rescue,
40 recovery and clean-up operations treated as an accident. The date of
41 disablement of a participant in World Trade Center rescue, recovery and
42 clean-up operations resulting from a qualifying condition that is
43 causally related to such participant shall be treated as the happening
44 of an accident within the meaning of this chapter and the procedure and
45 practice provided in this chapter shall apply to all proceedings under
46 this article, except where otherwise specifically provided herein.
47 § 165. Reopening of disallowed claims. The board, upon receiving a
48 statement duly filed as required under section one hundred sixty-two of
49 this article, from a participant in World Trade Center rescue, recovery
50 and clean-up operations for a qualifying condition that was disallowed
51 as barred by section eighteen or section twenty-eight of this chapter
52 shall reopen and redetermine such claim in accordance with the
53 provisions of this article, provided that no such previously disallowed
54 claim for a qualifying condition shall be determined to have a date of
55 disablement that would bar the claim under section eighteen or section
56 twenty-eight of this chapter.
S. 8348 3

1 § 166. Liability of employer and insurance carrier. The employer in
2 whose employment an employee participated in World Trade Center rescue,
3 recovery and clean-up operations shall be liable for any claim for a
4 qualifying condition that is causally related to such participation
5 provided that such participation arose out of and in the course of such
6 employment. For the purpose of determining which carrier has insurance
7 coverage of such claim, the date of accident shall be considered the
8 last day of such participation.
9 § 167. Claims of volunteers. For persons who participated in World
10 Trade Center rescue, recovery and clean-up operations as volunteers, the
11 uninsured employers' fund shall be deemed to be the employer only for
12 the purposes of administering and paying claims pursuant to this arti-
13 cle. Benefits under this chapter shall be payable to such volunteers
14 only to the extent that funds are available out of funds appropriated to
15 the United States Department of Labor under Public Law 109-148 to reim-
16 burse the uninsured employer's fund for the payment of such benefits.
17 § 2. This act shall take effect immediately and shall be deemed to
18 have been in full force and effect on and after September 11, 2001 and
19 shall apply to all open and closed claims coming within its purview.


--------------------------------------------------------------------------------


NEW YORK STATE SENATE
INTRODUCER'S MEMORANDUM IN SUPPORT
submitted in accordance with Senate Rule VI. Sec 1



BILL NUMBER: S8348

SPONSOR: MARCHI

TITLE OF BILL:
An act to amend the workers' compensation law, in relation to claims for
illnesses sustained by workers who participated in the rescue, recovery
and clean-up effort following the terrorist attack at the World Trade
Center on September 11, 2001


PURPOSE OF THE BILL:
The purpose of this bill is overcome obstacles of filing claims by
participants in World Trade Center rescue, recovery and clean-up oper-
ations following the September 11, 2001 attacks for latent conditions
and illnesses by treating such claims filings in a similar manner to
claims for occupational disease. The bill also addresses specific issues
regarding claims of those who participated as employees and those that
participated as volunteers.


SUMMARY OF PROVISIONS:

Section 1 of the bill adds a new article 8-a to the Workers' Compen-
sation Law ("WCL") which provides as follows:

* Section 161 provides definitions of "Participant in World Trade Center
rescue, recovery and cleanup operations", "World Trade Center site",
"Qualifying condition" and "Disablement" as those terms are used in the
new article. "Qualifying condition" is defined as a latent disease or
condition resulting from a hazardous exposure during participation in
the rescue, recovery or clean-up operation. "Disablement" is defined to
have the same meaning as the term is used in the WCL in reference to an
occupational disease.

* Section 162 requires participants, in order to qualify for special
notice and claims filing provisions for a qualifying condition, to file
a written and sworn statement with the Workers' Compensation Board (WCB)
within eighteen months of the effective date of the legislation stating
the dates that person worked in the operation and name of the employer.
The employer and carrier are to receive a copy.
* Section 163 provides that notice of injury or death from a qualifying
condition shall be given within two years after the disablement of the
participant or after the participant knew or should have known that the
qualifying condition was causally related to participation in rescue,
recovery or clean-up operations, whichever is later.
* Section 164 provides that the date of disablement for a claim by a
participant for a qualifying condition shall be treated as the occur-
rence of an accident so as to provide a statute of limitations standard
to these claims the same as that which applies to an occupational
disease claim.
* Section 165 provides that upon receiving a duly filed registration
statement for a qualifying condition, the WCB shall reopen any previous
claim for such a condition disallowed under WCL § 18 or § 28 and rede-
termine the claim applying the liberal notice and claims filing
provisions as provided.
* Section 166 provides that the employer of any participant in rescue,
recovery and clean-up operations shall be liable for any claim for a
qualifying condition that arose out of and in the course of employment
and that the insurance carrier covering the employer on the last day of
participation in rescue, recovery and clean-up operations has coverage
of such claims.
* Section 167 provides that the Uninsured Employers' Fund shall adminis-
ter and pay the claims of those who participated as volunteers but that
benefits shall be paid only to the extent that funds appropriated by the
federal government for such purpose are available.
Section 2 of the bill provides for an immediate effective date but is
deemed to have been in effect on and after September 11, 2001 and
applies to all open and closed claims coming within its purview.

EXISTING LAW:
Existing law treats claims for latent conditions resulting form a
hazardous exposure during participation in the rescue, recovery or
clean-up operation as accidents.

PRIOR LEGISLATIVE HISTORY:
None.

STATEMENT IN SUPPORT:
The aim of this bill is to remove statutory obstacles to timely claims
filing and notice for latent conditions resulting from hazardous expo-
sure for those who worked in rescue, recovery or cleanup operations
following the World Trade Center September 11th, 2001 attack.
The WCL requires an employee to provide notice to the employer within 30
days (WCL § 18) and to file a claim for benefits within two years of the
injury (WCL § 28). Under the WCL, latent conditions are normally
compensable as occupational diseases. Notice and claims filing require-
ments are triggered by a date of disablement determined by the WCB.
Occupational disease claims usually involve conditions that develop
slowly over a period of years after an employee has performed a partic-
ular type of work. Each disease established by the WCL as occupational
is linked to particular work processes that the employee has performed
over time. In the case of participants in World Trade Center rescue,
recovery or cleanup operations, little is known about what diseases and
conditions might develop later on based on their exposure to uniquely
hazardous conditions so as to recognize them as occupational diseases.
This bill requires that claims for latent conditions alleged to be
causally related to a hazardous exposure while participating in rescue,
recovery or cleanup operations be treated for claims filing (statute of
limitations) and notice purposes in the same manner as an occupational
disease. Claims filing and notice provisions would begin to run from the
date of disablement determined by the WCB rather than from the date of
the actual exposure. As in occupational disease cases, the WCB has wide
latitude to set the date of disablement so that the claim of a partic-
ipant for a qualifying condition who discovered the presence or cause of
that condition at a date after participation ceased not to be barred by
the statute of limitations or for lack of timely notice. In cases where
the participant continues to work after seeking medical treatment for
the qualifying condition, the WCB would have latitude to set a date of
disablement so as to include such treatment as covered under the claim.
Claims for a qualifying condition can be determined to be compensable as
accidents under the WCL based on evidence that they are causally related
to a hazardous exposure during rescue, recovery or cleanup operations.
These complicated and unique issues of causation can best be addressed
by the WCB on a case by case basis.
To be eligible for occupational disease claims filing and notice treat-
ment, participants would be required to register with the WCB within
eighteen months after enactment of the legislation showing the dates and
location of their participation.
The bill also addresses claims handling and liability issues for two
distinct classes of workers who participated in the World Trade Center
rescue, recovery and cleanup effort, those who participated at the
behest of their employer and sustained injuries that arise out of and in
the course of that employment and those that participated as volunteers.
The employees are covered by their employers' workers' compensation
insurance. The bill provides that benefits for latent diseases will be
covered under the insurance policy covering the employer in question for
injuries sustained in the rescue, recovery and cleanup effort on the
date that the employee ended his or her participation in such oper-
ations.
Volunteers have been paid workers' compensation benefits for all inju-
ries related to participation in rescue, recovery and clean-up oper-
ations by the Uninsured Employers' Fund and reimbursed through the U.S.
Department of Labor out of a $50 million federal appropriation for that
purpose. The bill would clarify that benefits to these volunteers would
be financed only out of federal funds reimbursements appropriated for
that purpose and not otherwise be a liability imposed on the Uninsured
Employers' Fund.

BUDGET IMPLICATIONS:
None.

EFFECTIVE DATE:
This bill is effective immediately is deemed to have been in effect on
and after September 11, 2001 and applies to all open and closed claims
coming within its purview.

9/11 New York Workers' Compensation Bill Gaining Traction in Albany

It looks like a version of the new 9/11 Workers' Comp Bill introduced recently by Assemblyman Jonathan L. Bing (D-Manhattan) will soon become law.  Final details of a compromise 9/11 bill are currently being worked out by negotiators from Governor Pataki's office, the Assembly and the Senate, where a similar bill was introduced by State Senator John Marchi (R-Staten Island).   The New York Workers' Compensation Alliance has been working closely with all interested parties in Albany to craft a law that will protect all 9/11 heroes. If such a bill is signed by Governor Pataki, Ground Zero rescue, recovery and clean up workers will be given significant new protections that have hindered their workers' compensation claims to date

One of the main problems 9/11 workers have faced at the New York Workers' Compensation Board is having their claims denied for late filing.  In New York, an injured worker has two years from the "date of accident" (9/11/01) to file a claim for benefits.  Under the current law, that would make the cut off deadline for filing 9/11 claims September 11, 2003.  But what about the clean up worker  who breathed in numerous toxins at Ground Zero but doesn't begin to experience respiratory symptoms until sometime in 2004?  He is eventually diagnosed with lung cancer related to Ground Zero.  Currently, this claim would be denied by the Workers' Compensation Board as untimely.

Specifically, the new bill would fix this problem by removing the current "Statute of Limitations" (filing deadline) that has led to mass denials of 9/11 workers' comp claims.  It would apply the deadline normally reserved for Occupational Diseases such as mesothelioma or carpal tunnel syndrome (generally two years from the "date of disablement") . Hopefully, the new law will also allow all prior 9/11 claims denied or not filed due to deadline problems to be reopened or newly filed. 

The New York Legislature and the Governor are on a roll lately!  Timely budgets, more school aid, and now a much needed workers' compensation bill to protect the health and economic security of 9/11 heroesWe are truly living up to our nickname, the "Empire State"!

 

New York Labor Press

Workers' Compensation Senate Roundtable Report

Workers' Comp Alliance Co-Chairs John Sciortino and Troy Rosasco recently advocated the position of injured workers at a well attended public Roundtable in Albany sponsored by State Senator George Maziarz. Once again, Senator Maziarz proved to be an open minded fact finder seeking common ground solutions to the tough problem of Workers' Compensation.

As stated in a previous Workers' Compensation Alliance post, the panel consisted of representatives of injured workers and business. Joel Shufro, President of the New York Committee for Occupational Safety & Health (NYCOSH) made an impassioned plea to make safety on the job the number one priority. All panelists agreed this was a priority.

John Sciortino outlined the Workers' Compensation Alliance position on not capping benefits for permanent partial disabilities (PPD's) and raising the maximum benefit rate for the first time in 14 years. The business representatives continued to bang the drum that New York should cap PPD's "because 42 other states do". However, Troy Rosasco rebutted this reasoning as silly and unpersuasive. He compared such reasoning to the teenage daughter who pleas with her parents to allow her to go on an overnight ski trip "because 42 other parents do". Perhaps the other 8 states (parents) have it right! In addition, he noted that there are no university based research studies showing that workers comp costs put New York business at a competitive disadvantage. Finally, the business panel had to concede that the manufacturing economy in New York is the best it has been in over 5 years.

All in all, it was another excellent opportunity for the Workers' Compensation Alliance to speak for injured workers across New York State.

Attorney Rosasco Travels to Albany to Advocate for Workers' Compensation Alliance

I will be travelling to Albany tomorrow with New York Workers��� Compensation Alliance Legislative Co-Chair John Sciortino to take part in the second of a series of Roundtable Discussions hosted by Senator George Maziarz, New York State Senate Labor Committee Chair, regarding Workers��� Compensation Reform. Since Workers��� Comp Reform was recently detached from the Governor���s budget bill, it appears that workers��� compensation reform will continue to be on the Albany radar screen for the rest of the year.

Also scheduled to participate in the Roundtable are: Randall Wolken, President, Central New York Manufacturing Association; Cecelia Norat, Director of State Operations for AIG; William Melchionni, Nationwide Insurance; Mark Alesse, New York State Director, National Federation of Independent Business; and Ted Potrikus, Executive Vice President, Retail Council of New York State; and our friend and advocate for injured workers, Joel Shufro, President of NYCOSH. Members of the Senate Labor Committee are also expected to be in attendance.

Of course, the Workers��� Compensation Alliance will be advocating for a long overdue benefit increase, no caps on PPD���s (permanent partial disabilities), and expediting needed medical care for injured workers. Yet we will also be proposing a fair pharmacy benefit schedule that should save employers significant amounts of money by mandatory use of generic drugs. Surrounded by all these insurance and employer lobbyists, it looks like John and I will have our work cut out for us!

Rosasco Response to Newsday Editorial on Workers' Comp Reform

To the Editor:

I know Newsday is one of Long Island's major employers (owned by the Times-Tribune conglomerate), but I never thought its own corporate self interest would would infect its positions on the editorial page. On the issue of workers' compensation, apparently it did (Workers' Comp Reform, 3/21/06).

How soon Newsday forgets. 9/11 was the worst workplace tragedy in the history of the United States. Besides the over 3000 deaths, many Long Islanders suffered devastating permanent partial disabilities and will never return to any gainful occupation. The survivors and their families on Long Island live with this cruel reminder every day. Without the notoriety of 9/11, similar crippling permanent partial disabilities occur each and every day to workers on Long Island. Newsday notes that these serious injuries only make up 11% of those receiving benefits, but make up 72% of the cost. Isn't this the way it should be - with the most seriously disabled receiving the majority of workers compensation benefits? Newsday's logic on this issue eludes me.

There are no research studies showing that New York's workers' compensation costs cause New York to be less competitive than other states. In fact, all leading economic indicators point to a strong economy and the Federal Reserve Bank of New York recently published a report showing that manufacturing is particularly strong in New York. The fact that a number of other states have a different approach is not a persuasive argument to change New York's Workers' Compensation Law. Perhaps New York, like it is in so many other ways, is ahead of the rest of nation on this issue.

On March 25, 1911, 146 immigrant workers lost their lives due to unsafe workplace conditions in the Triangle Shirtwaist Factory Fire in lower Manhattan. This tragedy was directly responsible for the groundbreaking enactment of the New York State Workers' Compensation Law. On the eve of the Triangle Fire's anniversary, it is disappointing that Newsday would take a stance hurting injured workers even further on its editorial page.

Troy G. Rosasco
Co-Chair
New York Workers' Compensation Alliance

NY Disability Attorney Travels to Albany for Senate Workers' Compensation Reform Hearings

I will be traveling to the State Capitol tomorrow, with fellow New York Workers��� Compensation Alliance Board member Barbara Levine, to attend the Senate Workers��� Compensation Reform hearings called by Upstate Senator George Maziarz. Although the scheduled speakers are heavily stacked in favor of the insurance industry and employer interests, AFL-CIO President Denis Hughes will be speaking on behalf of all injured working men and women across New York State. Of course, the Workers��� Compensation Alliance will be out in full force making sure the Senate Labor Committee is aware of our opposition to the Pataki "Deform" bill.

I had the pleasure of sitting down last week with Senate Labor Committee member John Flanagan (R-Northport) in his district office in Smithtown. Senator Flanagan is certainly one of the Legislature���s rising stars, and we spoke for a considerable time about how the Pataki bill would hurt permanently disabled 9/11 victims. In fact, all the Long Island State Senators, including Dean Skelos, Mike Balboni, Chuck Fuschillo and Carl Marcellino, know first hand the devastating and ongoing impact of 9/11 claims in the workers��� compensation system.

Unlike some upstate Senators, they probably personally know workers who are just now coming down with cancer and lung diseases related to working at Ground Zero. In addition, each has a strong tradition of supporting working people. In fact, many were in attendance last Friday night at a Nassau Republican gala in Woodbury in which union leaders Auggie Buckhardt and Bill Flanagan were honored. I am confident that they will not cap permanent disability benefits for injured workers. I look forward to seeing them in Albany. A full report on the Senate workers��� compensation hearings will follow shortly.

NY Workers' Comp Alliance Position Paper 2006

NY WORKERS��� COMPENSATION ALLIANCE (WCA)

Position On Governor Pataki's Proposed Changes To
The Workers��� Compensation System
Budget Bill Article VII A.9561/S.6461

The New York workers��� compensation system is in need of changes to keep pace with the cost of living and to effectively deliver the basic medical benefits promised to injured workers by the State Constitution. In recent years it has become commonplace to accuse the current workers��� compensation system of providing too little in the way of benefits to injured workers while costing employers too much. Both of these criticisms are well founded. Unfortunately the legislation currently proposed by Governor Pataki will not provide the promised relief either to injured workers or to business.

The Governor's proposal is INADEQUATE. It provides too little in benefit increases to injured workers and contains no guarantees that it can deliver relief from the high cost of workers���
compensation insurance.

The Governor's proposal is INSENSITIVE to the real needs of injured workers and to the plight of small businesses in New York.

The Workers��� Compensation Alliance (WCA) is made up of legal professionals with extensive background working within the New York workers��� compensation system. We are comprised of over thirty law firms and corporations throughout the State that represent and provide service to injured workers We believe the workers��� compensation system can be successfully modified to
meet the needs of New York's injured workers and at the same time deliver cost savings to New York business.

?ļæ½ The WCA strongly favors a genuine benefit increase to injured workers. The WCA strongly opposes any attempt to reduce current benefits to injured workers by limiting the
scope of permanent disability benefits
.

?ļæ½ The WCA strongly favors changes in the way medical benefits are delivered injured workers that will also yield significant cost savings to employers. The WCA believes
that real cost savings are possible but that they should not be found at the expense of the injured workers the statute has always served.

?ļæ½ The WCA strongly favors the absolute right of the injured worker to have his or her day in Court before a Judge. The WCA thus strongly opposes efforts to erode the due process guaranteed in the statute.

This paper will explore each of these areas in some detail. We will show (1) why a benefit
increase is needed and what would be necessary to provide genuine economic relief to injured workers. We will show (2) why cost savings should not be achieved by reducing basic economic benefits to injured workers, but should be focused on control of the real cost drivers of the system. Finally,we will show (3) why it's important not to take away the injured workers��� due process right to a hearing before a Judge, currently guaranteed in the State Constitution.

Why the Governor���s Benefit Increase is Inadequate

In his proposal Governor Pataki seeks to raise the maximum rate of workers' compensation benefits from the current $400 per week to $500 per week by increasing the maximum rate by $25 per year between now and January 1, 2009. The Governor's proposal is both misleading and inadequate. It will actually leave injured workers in a position worse than they were on July
1, 1992 when the last increase in the workers��� compensation maximum took effect.

Currently,the maximum workers��� compensation rate in Connecticut is $931 per week and in New Jersey is $891 per week. Injured New York workers deserve benefits that will not force them into poverty.
A maximum rate of $500 in 2009, when adjusted to 1992 dollars will be significantly below what is necessary for the workers' compensation rates to keep pace with increases in the Consumer
Price Index (CPI). As computed by the Federal Reserve Bank, in order for the maximum compensation rate in 2004 to have the same purchasing power as it had in 1992 the rate should already have been raised to $538.56. The proposed maximum rate that would not become
effective until 2009 is only 92.8% of what the rate should have been in 2004 to keep pace with inflation. As prices continue to rise between now and 2009 the Governor's proposed rate increase will represent less and less real purchasing power to injured workers.

Any real increase in workers��� compensation maximum benefits should be tied to the state average weekly wage. Workers��� compensation lost wage benefits are calculated as a percentage of average weekly wage. From the beginning of the New York workers���
compensation system in 1914 it has been widely acknowledged that workers��� compensation benefits should equal two-thirds of a person's actual average weekly wage. The last benefit
increase in 1992 was calculated to achieve this goal
. Any current modification of the workers��� compensation maximum rate should do the same. According to the New York State Department of Labor, in 1992 the state average weekly wage was $623.22. This meant that in 1992 the maximum workers��� compensation rate was approximately 64.2% of the state average weekly wage. By 2004 the state average weekly wage had increased to $960.64 leaving the maximum workers' compensation rate of $400 to represent only about 41.6% of the state average weekly wage. To keep pace with the increase in the state average weekly wage the rate in 2004 should have been increased to $616.57. If the governor���s proposal is enacted by 2009 the maximum workers' compensation rate of $500
will be only about 52% of the 2004 state average weekly wage.

The Governor cynically claims that his proposal constitutes a 25% increase in the maximum workers' compensation rates. In
fact, under his proposal the injured workers of New York State will be worse off in real dollars in 2009 than they were in 1992.
It has been 16 years since the Legislature addressed the question of the maximum benefit in workers��� compensation. In the last 12 years achieving an increase of the maximum benefit has been a stumbling block for other real reforms in the workers��� compensation system. The only way to avoid this type of deadlock in the future is to permanently tie the maximum workers���
compensation benefit directly to the state average weekly wage
.

For this reason the Workers��� Compensation Alliance asks the Legislature to consider permanently linking the maximum benefit level for workers��� compensation to two thirds of the state average weekly wage as computed by the New York State Labor Department.


Why basic economic benefits to injured workers should not be reduced

The most objectionable aspect of the Governor's proposal is the drastic reductions in benefits paid to permanently disabled injured workers. Under the Governor's proposal persons who have become permanently disabled due to a workplace injury would be completely cut off from wage loss benefits after a given number of years.

The Governor's proposal offers no alternative source of benefits to permanently disabled injured workers. It offers no help in rehabilitating permanently disabled injured workers. It simply tells injured workers who have lost their livelihood that they are out of luck. After the prescribed period of benefits, the economic security of the injured worker will become the responsibility of county and local government
welfare systems
.

The apparent rationale for these proposed cuts to wage loss benefits is that paying benefits to persons who have a permanent disability is expensive. There is no doubt that such payments are expensive, but it is also the right thing to do. The Workers��� Compensation Law in New York has historically promised workers who have been severely and permanently injured they will not
die in poverty
. The Governor's proposal is nothing short of a cruel abandonment of the most seriously injured.

To understand how the Governor's proposal would affect permanently disabled workers consider the case of Mark, a 35-year-old pipe fitter. Mark was working at a high wage construction job making more than $1200 a week when a hose from a compressor broke loose and struck him in the back of the head. Mark suffered a severe traumatic brain injury. Even
after the best medical treatment available Mark will never be able to return to work
. Indeed, Mark has been granted Social Security disability benefits because the federal government has
decided that he's unemployable. Under the current wage loss limits in the Workers��� Compensation Law Mark receives $400 a week, the maximum possible. He has lost his home, his vehicle and his marriage. He had to declare bankruptcy. Once he started receiving Social Security disability benefits he was able to begin rebuilding his life because when combined with his continuing workers��� compensation benefits he could now afford a basic standard of living. If he loses his weekly workers��� compensation benefit, even the most basic lifestyle will be
unaffordable.

Or consider the case of Anne, a 45-year-old Emergency Medical Technician who worked at Ground Zero for three months after 9/11. Anne was earning more than $1000 a week and was a member of the EMT union. She was a "first responder" and is considered a hero by all accounts. In 2003, Anne developed a persistent cough that would not go away. She sought treatment from pulmonary specialists who informed her that she has Chronic Obstructive Pulmonary Disease as a result of the toxins she inhaled at Ground Zero. Anne was prescribed multiple medications and tried to continue to work. However, as her disease progressed, and given the physical nature of the job, she soon had to stop working as an EMT permanently. If
she ever works again it will be for much less of a wage that she made as an EMT. Anne needs the permanent reduced earnings benefits provided by Workers��� Compensation to survive.

Under the Governor's proposal Mark���s and Anne���s benefits would be ended after somewhere between 5 and 10 years of payments. The Governor's proposal would simply take away
necessary income replacement benefits from these permanently disabled workers. This loss of benefits will render these permanently disabled workers poverty-stricken and require them to
seek assistance from the welfare system. How fair is that to these seriously injured workers?
How fair is the cost shifting to the average taxpayer?

Until and unless some solution is proposed that would guarantee the economic security of permanently injured workers, they should not be asked to fund insurance company profits or to
make an enormous sacrifice so that workers��� compensation insurance can be slightly more affordable.

While there is no question that workers��� compensation insurance needs to be made more affordable in New York, it is simply not right to ask the most seriously injured workers to be the
source of lower insurance premiums
. The Legislature should seriously investigate other ways to lower premium costs. Some such ways are proposed in the Governor's legislation. The WCA
supports the proposed measures to lower medical costs by imposing new fee schedules and by reducing the amount of time it takes to get approval for medical services
. The WCA also supports increasing innovative occupational safety programs and tax incentives for the safest employers. Surely there are more innovative ways to reduce the cost of workers��� compensation
insurance that do not demand the impoverishment of hard working New Yorkers who have had the unfortunate luck to be injured on the job.

Why the due process right to a hearing should not be reduced

Given the urgency and gravity of the lost wage and medical concerns that face a worker who is injured on-the-job, injured workers and those who employ them are currently guaranteed an
adjudicatory hearing
, held at a meaningful time and in a meaningful manner. Section 20(1) of the Workers��� Compensation Law provides that a hearing "shall" be ordered "upon application of
either party."

The Governor���s proposal would eliminate this absolute right to a hearing by amending ��20 of the Workers��� Compensation Law to allow for the scheduling of a hearing before an administrative law judge only after it is determined that the dispute cannot be resolved by undergoing non-binding "conciliation" procedures. This proposal is inconsistent with the due
process rights of both injured workers and employers. Not only does the governor���s proposal eliminate a fundamental right of the parties in workers��� compensation litigation, it does so for no real reason. This change will not result in any savings and will only prolong the time needed to resolve central issues; not a good bargain.

Not only does this proposal violate fundamental due process rights but it proposes to require use of a system of non-binding conciliation meetings that has already shown itself to be a failure
in resolving the common controversies that exist in many workers��� compensation cases. The conciliation process was instituted as part of the reforms of 1996. Since that time experience with the conciliation process shows it is inappropriate for resolving any true controversy. In fact, the Workers��� Compensation Board currently uses the conciliation process only after the Board itself has determined that no true controversy exists. For this reason any statistics about the so called success of the conciliation process are deeply misleading. In fact, each and every time the conciliation process has been applied when a true controversy exists it has failed.

There's no doubt that there is a place in the workers��� compensation system for the conciliation process. Conciliation can be used effectively where the parties are in fundamental agreement.
However, is not uncommon that diametrically opposed positions that are not susceptible to negotiation and compromise are raised on fundamental issues in a case. To require that such fundamental disputes first undergo non-binding "conciliation" before being allowed an adjudicatory hearing imposes on the injured worker the burden of undergoing a wasteful and time-consuming layer of proceedings before any real opportunity for relief can be reached.

Take the common example of a construction worker who falls on-the-job and injures his shoulder. Because the treating physician believes the injury to be a rotator cuff tear, the
diagnostic test typically ordered is an MRI. If the MRI is positive, the injured worker will undergo surgery; a negative test means a course of intensive physical therapy. Any delay in diagnosis
risks a frozen shoulder.

If the MRI is granted shortly after the injury, the recovery time is usually six weeks or less. If the carrier refuses to authorize the MRI, the injured worker���s only practical recourse is to request an adjudicatory hearing. The precious time spent first attempting to
"conciliate" the matter will cost the claimant at least a four-month delay in being allowed the only practical opportunity he has to achieve a successful resolution of the dispute at an evidentiary
hearing. Unfortunately, during all of this time, the injured construction worker will have had little or no use of his painful arm, will be out of work and suffer a dramatic reduction in his wages, and ultimately have a diminished opportunity to completely heal. This unfortunate scenario will be played out time and again if the Governor���s proposal is passed into law.

The fundamental requisite of procedural due process is the opportunity to be heard, by way of a hearing provided at a meaningful time and in a meaningful manner. There are few instances where the urgency to obtain relief is as profound as in a Workers��� Compensation case. Unimpeded access to an adjudicatory hearing is the only effective means available to an injured
worker to obtain the lost wage and medical benefits that are so desperately needed.

Detailed analysis of the proposal

For the above reasons, the WCA takes the following positions on the Governor���s proposed Article VII legislation, A.9561 and S. 6461, to amend the Workers��� Compensation system:

The WCA FAVORS:

1. An increase in the maximum weekly benefit, and believes that benefits should be permanently set at two thirds of the state average weekly wage. We also support the
proposed increase in the disability insurance benefit level.

2. Cost savings that can be generated by the imposition of a fee schedule for medication as well as other medical services and the development of networks of providers so long as the injured worker continues to have the right to free choice of medical providers .

3. A raise in the prior authorization limit to $1000 thereby reducing the time needed to obtain necessary medical tests and treatment .

4. A reduction from 60 to 45 days for the Board to schedule a preliminary hearing in a controverted case.

5. The revision of the Workers��� Compensation Board Medical Guidelines by a panel of medical experts working in consultation with legal practitioners .

THE WCA OPPOSES:

1. An inadequate increase in the maximum lost wage benefit.

2. A cap on benefits for those permanently disabled.

3. The elimination of the right to a hearing to resolve controversies.

4. The development of a pilot program for voluntary delivery of benefits outside of the Workers��� Compensation Board.

5. Development of networks of medical providers controlled by insurance companies without right to free choice of providers by injured workers.

6. Elimination of the stenographic recording for evidence in workers��� compensation matters.

THE WCA takes no position on the other provisions in the Governor's proposal.

For further information please contact:

Richard D. Winsten, Esq.
Meyer, Suozzi, English & Klein, PC

One Commerce Plaza, Suite 1102
Albany, New York 12260
Phone: (518) 465-5551

Troy Rosasco Esq., Co-Chair Legislative Committee
Turley, Redmond, and Rosasco LLP
3075 Veterans Memorial Highway
Ronkonkoma, NY 11779
Phone: (631) 582-3700 ext. 123

John Sciortino, Esq., Co-Chair Legislative Committee
Segar & Sciortino, LLP
400 Meridian Centre ļæ½? Suite 320
Rochester, NY 14618
Phone: (585) 475-1100

New York Workers' Compensation Alliance Exposes "Comp Watch '06

Just read the New York Workers' Compensation Alliance's take on "Comp Watch '06", the newsletter put out by the New York State Business Council. It's called "Comp Truth '06", and is really a far more even handed presentation of the facts. It is must reading for all New York State Legislators considering workers' comp "reform" in New York State this year..

Bottom Line - injured public employees who are collecting workers' comp and a pension from New York State are not "double dipping", as implied by the Business Council. These systems are coordinated to prevent just that. For instance, those employees in Tier I who receive an "Accidental Disability Pension" have their pensions reduced "dollar for dollar" for any workers' comp they might receive. How is that double dipping? Anyway, it's good for New York State State Legislators to hear both sides of the argument, especially in an election year!

NY Workers' Compensation Alliance Launches Website

The New York State Workers' Compensation Alliance has just launched its new website. As most of you know, the NY Workers' Compensation Alliance is a group of individuals and organizations dedicated to protecting the rights and benefits of injured workers.

In the still embering flames of 9/11, Governor Pataki has proposed a new workers' compensation "reform" bill (I call it a "deform" bill), heavily supported by insurance companies, that would take away benefits from the most seriously injured - including 9/11 survivors.

My firm is still representing many seriously hurt 9/11 victims in their workers' compensation claims. We, along with most of my colleagues in the Workers' Compensation Bar, previously represented the families of deceased 9/11 victims on a "pro bono" basis and the vast majority of all death claims are now thankfully resolved.

However, each day another worker in the Ground Zero envelope develops another serious lung condition and or cancer. Workers' Compensation insurance companies are fighting these claims tooth and nail. I am sure my office will be litigating these career ending - and sometimes deadly claims long after my young children are grown. The cancers may not develop for 20-30 years. We will just have to wait, see and pray for the best.

That's what burns me most about the Governor's workers' comp bill. 9/11 survivors would lose benefits under this bill. That's where the New York Workers' Compensation Alliance comes in. As a member of the Alliance, Turley, Redmond & Rosasco pledges to help defeat this bill in Albany. However, the NY Workers' Compensation Alliance needs your help. If you don't believe 9/11 survivors should lose their workers' comp benefits, please call your State Senator toll free at 1-877-255-9417 and press "2". If you don't know the name of your State Senator, simply give them your zip code and the operator will connect you directly to your Senator's office. Tell the Senator you oppose Governor Pataki's workers' compensation bill since it will take away benefits from the most seriously injured.

Because the workers' comp bill is attached to the State Budget, it should be resolved by April 1st. Time is short - call today to voice your opinion. Thank you in advance for helping to protect injured workers.

9/11 First Responders Hurt by Pataki Workers Comp Bill

Gov. Pataki's new workers' compensation "reform" bill will be a disaster for the heroes of 9/11 - the "first responders". As recently detailed in an excellent Newsday article, first responders are getting sicker every day, and many are now dying from their exposure to toxins at Ground Zero.

As I have stated before, the Pataki workers comp bill takes away benefits from the most seriously disabled by capping how long they can receive benefits. Chronically ill first responders - the ones who will never recover - will then be forced into the welfare system. How fair is that?

A good friend of mine (age 36) worked at Ground Zero for over two months looking for the remains of his firefighter brother. Now he has Chronic Obstructive Lung Disease (COPD). MRI tests show potential pre-cancerous lesions on his lungs. He can barely mow his lawn, much less jump and run with his two great kids.

Did Governor Pataki think about the impact of losing workers comp benefits on first responders before proposing this ill advised legislation? I doubt it. Those who know him personally speak of a genuinely good man. I think he, along with Rudy Giuliani, did a fantastic job after 9/11 and this blog has applauded him when he signed excellent pension protections for 9/11 first responders. Perhaps he is just getting some bad advice from those pushing him to run for President.

Thanks to our good friends at the Workers' Comp Insider for pointing us to the excellent Newsday article.

Gov. Pataki's "Deform" Workers' Compensation Bill Language

Click here to read this mean spirited pablum. As usual, the "devil is in the details" when it comes to New York workers' compensation benefits. I'll have a more detailed analysis of this flawed workers comp bill forthcoming soon. Until then, if you're an injured worker or property taxpayer (Yes - the Governor's workers comp plan shifts costs to you!), read it and weep.

I really wish the President (oops - Governor!) would simply move to Iowa already since he won't be around to see his own New York State citizens suffer under this silly proposal. Why doesn't he just make it part of his Presidential platform to "reform" workers comp across the country? He'll certainly carry states like Texas and Mississippi. It wasn't so long ago that states like those didn't give workers lunch breaks!

NY Workers' Compensation "Reform" Agenda Heating Up in 2006

2006 may be shaping up as a year for significant workers' compensation reform in New York. Yesterday, Governor Pataki introduced his Workers' Compensation Reform "Budget" Proposal. This is essentially the same bill as his anti-worker Workers' Compensation Program bill put out last October, and which we previously denounced here. The difference, however, is that now the Governor's Workers Comp bill is linked to passing the New York State budget, a strategy he used somewhat effectively during the 1996 workers' comp reform negotiations.

Of course, the word "reform" means different things depending upon who you are talking to. To injured workers, the New York State AFL-CIO, and workers' compensation attorneys, reform means increasing the benefit levels which have been frozen during Pataki "Ice Age". To the New York State Business Council and their cohorts, it means taking away benefits from the most seriously injured workers. Their ilk even have a slick new website at "www.fixworkerscomp.com" (I won't dignify them with a free link, so you'll have to cut and paste their address into your browser if you really want to read their propaganda) Bottom Line - if workers get the raise in benefit levels they have been denied these past 13 long years, the New York (Anti) Workers' Compensation Action Network (a/k/a the New York Business Council or cohorts) wants to pay for it by cutting benefits to the most seriously injured - those with permanent, career ending disabilities.

Now, Republican New York State Senator George Maziarz, Chair of the State Labor Committee, has announced a public hearing on Workers Compensation Reform for Monday, March 13, 2006 in Albany. In his press release, the Senator blames state job losses on the cost of workers' compensation. Like so many politicians, he fails to site any empirical data or studies supporting his wrong headed hypothesis that jobs are leaving New York due to workers' comp costs. The Governor used the same ploy when he announced his workers comp program bill last year. He blamed the Delphi bankruptcy on workers' comp costs, and was taken to task here and in other forums when Delphi's real problems were shown to be more like an "Enron type" scandal. Senator Maziarz says: "its time to strike a new balance and save jobs". I say: "its time to strike a fair balance and save homes". As the son of hard working union members, I think the Senator knows who to stick up for in this fight. How many disabled workers have lost their homes over the last 13 years while waiting for a paltry benefit increase? (they haven't even gotten a cost of living increase!). All while the workers' compensation insurance companies are cheating the system and the Delphi executives are making millions. How fair is that? Want to save jobs? Stop the culture of corporate greed so that workers are treated with dignity again - not like surplus parts on the factory floor. After all, it is these workers who will be voting this November! ( as so adroitly pointed out recently at a forum of the Republican Long Island State Senators).

Perhaps a bipartisan hearing, including Democrat Susan John, Chair of the State Assembly Labor Committee, and Attorney General Eliot Spitzer, might be more constructive. Otherwise, this is all grandstanding and pandering to corporate special interests. After all, we all know that nothing will happen without some type of bipartisan agreement. If we can get Governor Pataki to focus more on disabled New Yorkers than on Iowa delegates, we might have a chance of seeing the long overdue benefit increase for injured workers in 2006. We might then be proud of our politicians in Albany. Who's taking bets?

Pataki's Workers' Compensation "Deform" Hurts Workers

After 12 years of never raising benefit levels for injured workers, Governor Pataki now wants to add insult to injury. In a transparent attempt to burnish his "right wing" credentials while launching his Presidential ambitions in Iowa, the Governor is proposing workers' compensation reforms (more accurately labeled "deforms") which will only put additional strain on the average working man and woman. The proposed reforms, if enacted, would take away benefits from the most seriously injured workers and force them onto the welfare rolls. Can you hear the "ching, ching" of your property taxes going up again? Thats the bottom line of this proposal - shift the cost of unsafe working conditions from employers (where it rightly should be) to taxpayers and local government. I don't think that Republican Senators, up for re-election next year, will support changes that increase property taxes and hurt individual voters. Much like President Bush's Social Security "privatization" plan, I certainly hope this so called reform is "dead on arrival".

In the Governor's press release, he sites workers' compensation costs as preventing companies like Delphi, the bankrupt auto parts manufacturer, from remaining competitive in the "global" economy. What a crock! A simple reading of the weekly business papers disproves this misleading statement. Delphi declared bankruptcy on October 8, 2005 in the wake of a corporate scandal involving alleged fraud by senior executives "cooking the books". The US Securities and Exchange Commission is currently investigating and they are being sued in Federal Court for fraud. Despite the charges, the day before the bankruptcy, Delphi had the audacity to boost severance packages for top executives by $27 million! Delphi entered bankruptcy voluntarily to avoid having to pay pensions to retiring workers because the pension plan was underfunded by more than $ 10.8 billion dollars! Delphi is another Enron. By citing Delphi in his press release, the Governor lost all credibility on the workers compensation issue. We all want to preserve Delphi's jobs in New York, but workers' compensation costs have nothing to do with this company's problems. It may or may not play well in Iowa, but working New Yorkers will see it for what it is - corporate greed.

The problem for manufacturers in New York State is CHINA - not workers compensation costs. If employers would simply take the proper precautions to increase safety in the workplace, workers compesnsation costs would go down. If Governor Pataki's deform plan is enacted, New York will resemble the poor houses of Dickens's London more than the proud State that currently exists. Stop gutting the American dream for injured workers. If you would like to help stop this misguided plan in its tracks, contact your State Senator here and tell him you are "mad as hell and not going to take it anymore". Also, feel free to contact me. We've got a lot of work to do.

Bush Social Security Plan Defeat

He said it - not me! In the wake of Hurricane Katrina, ongoing American casualties in Iraq, and vicious attacks from the "Far Right" for his most recent pick of Harriet Miers for the Supreme Court, it appears that the President is giving up on his Social Security privatization plan. For those of us who have been arguing all along that it was ill-conceived and unaffordable, this is welcome news.

In reality, the President had no choice. The fact is that given his "Roosevelt-like" promise to rebuild the South (and fix poverty along the way!) after Katrina, he simply cannot afford the "Social Security 401k plan" he envisioned. The short term costs of Social Security privatization about equal the mind numbing costs of Katrina. The conservatives in his own party are giving him a rough time on the cost of the Katrina promise - and they simply would not stand for additional debt that the Social Security plan would add to our children's dimming financial future. We are seeing the nicer and kinder George W. - and the Far Right is apoplectic!

This does not mean that the President isn't moving full speed ahead with his reform of the Social Security Disability process. The most recent proposals, while helpful to Social Security Disability claimants in some respects, have many flaws which can be disastrous for a disabled client. Thankfully, the new rules are not yet final and you can share your comments here with the Commissioner of Social Security. Look here for a sample critique of the new rules. While we may have dodged a bullet with Social Security privatization, the disabled might pay the price

Social Security's 70th Birthday Renews Republican Privatization Push

Thought President Bush���s Social Security Privatization Plan was dead? Think again! In the wake of significant Congressional victories such as the new energy bill and CAFTA, the President���s handlers are using Social Security���s 70th birthday to take another stab at private accounts. We can expect a new push this fall assuming issues like Iraq and Karl Rove don���t distract the President.

On Social Security���s 70th birthday today, we should be celebrating the spectacular success of this insurance program. Prior to its enactment in 1935, retirees and the disabled frequently lived in poverty. Social Security continues to be an important safety net for the least fortunate in society. It is not another 401k account to play the stock market. Wouldn���t it be nice to know you had this safety net if you live to be 90 and your nest egg has evaporated? As a Social Security lawyer, I think so.

Democrats and Republicans agree that private accounts do not solve the Social Security solvency problem. It���s a simple fact that people are living longer and Social Security will have to pay out more in the future. However, this fact leads me to conclude that we need the security of the Social Security program more than ever. Regardless, of your position on Social Security private accounts, we should all be grateful that President Franklin Delano Roosevelt���s foresight 70 years ago created a Social Security program that is the envy of the rest of the world. When I interview immigrant clients for Social Security Disability claims, they are overwhelmingly thankful that they moved to a country that does not let its citizens fall between the cracks. Let���s make sure we don���t tear down the security of Social Security by foisting private accounts on working class Americans. Happy Birthday, and many more, to Social Security!

"New Approach" to Social Security Disability Claims

While I was on vacation last week, New York disability attorneys had a lot of interesting disability law developments to digest. I will try to catch everyone up on the most important developments over the course of the week, but I will start with the most important: the New Social Security Approach to Disability Determination proposed last week by Social Security Commissioner Jo Anne B. Barnhart. Bottom Line ��� it���s generally BAD for claimants, and it's hidden agenda is to decrease the odds that disability claimants will win their Social Security claims.

Probably the most significant change for disability clients and their attorneys is the elimination of Appeals Council review of Administrative Law Judge (ALJ) decisions. While most Social Security judges are fair and competent, a few are neither. Some regional hearing offices are packed with bad judges. They start out with an agenda to deny the claim, and then proceed to have staff attorneys write their legally unsupportable decisions. Because all ALJ���s are members of a powerful union, it is almost impossible to rid Social Security of a bad judge. They are consistently reversed by the current Appeals Council.

And that���s the rub - eliminate Appeals Council review, and claimants will have to march into Federal District Court to reverse the lousy judges. Since many Social Security attorneys and non-attorney representatives are unwilling to take disability claims to federal court for a myriad of legal (non-attorneys can't) and financial reasons (filing fees), this will essentially deny many claimants a chance to overturn lousy ALJ decisions.

For lawyers who have busy and aggressive federal court disability practices, we will be quite busy. But in the big picture, not every unfairly denied claimant will come see attorneys like Turley, Redmond & Rosasco. For those unfortunate many, the Appeals Council served as a much needed safety net. It allowed deserving claimants to appeal their decisions at no cost simply by filling out a one page form. Now, they will have to proceed to the costly and complex federal court arena. I predict that the federal courts will quickly get bogged down with disability claims, leading to more delay and uncertain outcomes. What do you think? Let me know your thoughts by leaving a comment below.

Congressman Pete King on Social Security Disability

Unlike some of you, I got a thoughtful letter recently from Congressman Peter King (R - Seaford) on the Social Security Disability program. I had written him on behalf of all my disability clients who were scared that they might lose their social security benefits as part of the President's privatization reform. Congressman King wrote that:

"the White House has made clear that any reform legislation would fully protect and maintain disability benefits."
He went on to add that he:
"will work to ensure that full disability payments are continued."
Sounds good to me.

King, who boxes for fun and fitness, has been taking some glancing blows recently in Newsday over various letters he has written to constituents. Now I'm a longtime fan of Peter King, especially when he bucked his own Party and rightly supported Senator John McCain over then Governor Bush for President in 2000.
But even I had a problem with the tone of his letters. We've come to expect and admire straight talk from Pete King - he doesn't feed his constituents the pablum we so often hear from members of Congress. But the letters printed in Newsday did seem beneath him.

People have an absolute right to be scared of the President's privatization plan for Social Security Disability. It does not address the Social Security solvency problem, while placing additional risk on young Americans. Those under age 55 can plan on paying higher taxes to receive smaller guaranteed benefits. So much for security, unless your the King!

Justice O'Connor & Social Security Disability

OK, what would a legal blog be without our two cents about Justice Sandra Day O���Connor���s retirement? What will it mean for New York Social Security disability claimants? Probably a big whopping nothing! Other than her concurring opinion in Sims v Apfel, O���Connor will leave an inconsequential mark on Social Security disability jurisprudence.

However, for the larger disability rights community, Justice O���Connor has left a significant positive impact. In the 2004 case of Tennessee v Lane, she sided with paraplegics (bucking Rehnquist, Scalia and Thomas) by upholding the Americans with Disabilities Act and requiring state courts to be accessible to the disabled. In the 2002 death penalty case of Atkins v Virginia, she stood with the majority (again bucking the conservatives) and overruled her own previous 1989 opinion in Penry v Lynaugh, holding that it is "cruel and unusual punishment" to execute the mentally retarded. Bottom Line ��� I think O���Connor was a conservative with compassion toward the disabled, and will be missed by the disability rights community at-large.

Now, the $64,000 question turns to her replacement. My bet is that President Bush picks his old pal, Attorney General Alberto Gonzalez. If the evangelicals don���t burn him at the stake first, I think my fellow Air Force Academy Falcon would be a fine appointment and easily confirmed by the Senate. If the President wants to move his domestic issues forward in Congress while making history appointing the first Hispanic to the Court, Gonzalez would be a wise choice. His administration has made many of them to date...

Social Security Dreams & Safety Nets

Great article on the front page of yesterday's New York Times about how Social Security is currently a lifeline for 2/3 of all Americans, and why women in particular would be hurt by the President's privatization plan. Nearly 1/3 of all Americans receiving Social Security are single women. Many were divorced late in life and left with little or no savings. Due to child rearing responsibilities, they did not have the luxury of a regular attachment to the workforce like most men. The current Social Security program made allowances for this fact. A divorced spouse was allowed to collect a portion of her former husband's Social Security, without any negative impact on the man.

However, if Social Security funds are diverted to "private accounts", will the divorced single woman get a part of her former husbands "private account"? Will the husband have anything left for himself after the divorce lawyers? Does anyone really want to risk being in poverty in their old age? Prior to Social Security, almost 40% of the elderly in the United States lived in poverty.

One of the persons profiled in the article is a former millionaire whose business failed and was hit by medical bills for his wife before she died.. He now lives largely on his monthly Social Security check. What if the stock market crashes just before you are forced to retire? Would you deplete your "private account" to prolong your wife's life? These things happen every day. Thats why we have Social Security Insurance.

Raising Social Security Age to 69 Will Put More on Disability

In an effort to jump start the President's stalled Social Security privatization plan, Senate Republicans are now proposing to raise the normal retirement age to 69. Those of us who represent the disabled have to watch this carefully. As both academics and those of us in the trenches will tell you, this proposal would ordinarily force more older Americans onto the disability program - thereby not fixing Social Security's solvency problem. But what if the sly Senate Republicans simultaneously make the standard for obtaining disability benefits so high that no one qualifies? They could have their cake and eat it too.

After representing hard working New Yorkers in demanding physical jobs for the last 15 years, I can tell you that most will not be able to function in their regular jobs until age 69. Sure - advances in medicine have increased life expectancy, but have they increased "work life expectancy" ? I think not, at least for those middle and working class Americans who need Social Security the most. As various proposals wend there way through Congress, keep an eagle eye on the disability benefits program. You may need it one day.

Memorial Day & Social Security Disability

As a veteran, Memorial Day (formerly Decoration Day) has a special significance for me. As we all enjoy our 3-day holiday weekend, please remember that American soldiers are still dying in Iraq every day (now up to 1647). If you get a chance, please attend a Memorial Day parade and salute the marching veterans. They will appreciate your support.

While we will be honoring the dead, lets not forget all those soldiers who come home disabled, either physically or psychologically. Since the news focuses so much on death numbers, its easy to forget the much larger number wounded in action (WIA). There have been over 6,300 wounded in Iraq so far. Unfortunately, I see many of these wounded vets when they come home and have to apply for Social Security Disability. Whether they have lost a leg due to a land mine or suffer from post traumatic stress disorder (PTSD), these vets deserve all the support our government can give them.

That's why the President's push to privatize and "reform" Social Security concerns me. When will a 22 year old Army private, now in a wheelchair, get his chance to build up a "private account"? Will Social Security Disability be there for the veteran who has flashbacks and PTSD 20 years from now? I'm still representing Vietnam veterans whose PTSD only recently became disabling. We must remember that Social Security is a government sponsored "security blanket" for seniors and the disabled. It is not a Fidelity investment account. Hope you enjoy (and remember) the holiday!

Bush's "Leave Huge Debts Behind" Social Security Plan

In a clever twist on President Bush's under funded "No Child Left Behind" education law, Matt Miller labeled the President's Social Security Plan as "Leave Huge Debts Behind" in a great opinion piece in yesterday's New York Times. After a good laugh, I sadly realized how similar both programs really are.

No Child Left Behind provides almost no funding to get our kids' education on par with what they will need in the super-competitive workforce. Leave Huge Debts Behind (ie Bush Social Security Plan) mortgages our kid's future with an extra $200 billion added to the existing Federal debt. Bottom Line- the Bush Social Security Plan will leave future generations poorer, while No Child Left Behind will leave them less educated than they need to be. Rather than leaving No Child Left Behind, we will be leaving all children with far less economic security than they need. In my house, that's not being a responsible parent.

New Bankruptcy Law Bad for Disabled

Even though Congress included the words "Consumer Protection Act" in the name of this horrible new law, it is really a misnomer. There is not one single pro -consumer part of this law. Because of "means testing", many middle class Americans will not be able to file for Chapter 7 bankruptcy. The predatory credit card companies spread so much money through the halls of Congress that even moderate Democrats supported this unconscionable gift to these gluttonous money changers. President Bush signed the new law on Wednesday.

I went to a presentation last night by a Federal Bankruptcy Trustee who explained the new law. He was not impressed by this mean spirited legislation. As the Trustee said, there were provisions in the old law, that he frequently used, to stop the small minority of credit card abusers. The majority of my Workers Compensation and Social Security Disability clients never abused credit. They simply had the unfortunate luck to have been injured on the job or come down with a crippling illness, and now can't pay the bills. Bottom Line - if you suddenly become disabled or lose your job and face mounting medical bills or can't pay the mortgage, you may as well be in debtor's prison. The old bankruptcy law gave hard working middle class Americans who fell on hard times a fresh start. Those days are over.

Spitzer Meets with Workers Compensation Alliance

On April 6, 2005, New York State Attorney General (and candidate for Governor) Eliot Spitzer met with the Workers Compensation Alliance in Albany to discuss problems injured workers have with the current Workers Compensation Board. My partner Bill Turley attended this important meeting, which included some of the top workers compensation attorneys and union officials in New York State.

Attorney General Spitzer was both engaging and informed. You could tell he did his homework prior to the meeting. He stated that if he is elected Governor in 2006, the Workers Compensation Board will not be used as a tool to further a political agenda. Rather, it shall be a respectful judicial forum equally concerned with the rights of all parties, including injured workers. In addition, he is NOT in favor of limiting benefits for those who are permanently disabled. Lawyers for workers compensation claimants can't ask for more than that!

We told the Attorney General that injured workers had not received a benefit increase in over 12 years, and it was high time to do something about it. All in all, the meeting was a great success for the Workers Compensation Alliance, and we look forward to working with Mr. Spitzer and other friends of injured workers in the future.

Terry Schiavo and Good Friday

As I write this late in the afternoon on Good Friday, the Christian Holy Day commemorating the crucifixion of Jesus, Terry Schiavo is slowly dying. The irony is stunning. I'll leave it to better theological scholars to draw the parallels.

Did such a personal tragedy have to turn into a political football for the President and Congress? I think not. The only branch of government that can look itself in the face at the end of this debacle is our judiciary. Whether you agreed with their rulings or not, they applied the law to the best of their ability, without bowing to pressure from various interest groups with an eye toward the next election.

As disability attorneys, we must try to protect our clients from this unfortunate situation. Encourage your clients, friends and family to execute a Living Will and Health Care Proxy. If Terry Schiavo had such a document, this would have remained the private family matter it should have been all along.

Social Security Nuclear Option...Barbara Bush?

Give him credit! With his Social Security privatization plan sinking faster than a turncoat with cement shoes in the East River(can't you tell I'm from New York), the President floats out his 79 year old mother to the rescue. A brilliant, yet all too common tactic for sons. When the public deserts you and Congress wishes you never brought the whole Social Security issue up, who better to pump up support than a woman who lives month to month on her Social Security check! Yes, she will say she is doing this for her many grandchildren. Balderdash! - they will have trust funds. This is all about a mother's unwavering support for a son, which is actually pretty nice to see in this self-centered age.

On a more serious note, it now looks like Congress would rather deal with the Social Security solvency issue without inserting "private accounts" into the equation. One long time friend of Social Security Disability recipients has been Republican Clay Shaw of Florida. As he recently stated in a fine article by David Broder of the Washington Post, "private accounts" will have to be "add ons", not a partial replacement of the current Social Security benefit, to get bipartisan support. Shaw is one of the few Social Security experts in Congress. The President (and his mother) would be wise to listen the experts in his own party.

Attorney General Spitzer Protects Disabled Workers

For those who needed more convincing that New York State Attorney General Elliot Spitzer is a friend of disabled workers, here is another example of his willingness to prosecute the powerful who prey on the vulnerable workers. Last November, Spitzer played an important role in forcing the Unum Provident Corporation to change their unfair case handling practices in long term disability claims.

Spitzer is now combating one of the largest causes of workers compensation premium increases for small business - EMPLOYER PREMIUM FRAUD! An upstate bridge painting company defrauded the New York State Insurance Fund out of over $145,000 in premiums by misclassifying their employees - one of the oldest employer tricks in the books. This all comes on the heals of Spitzer exposing bid rigging and price fixing by Marsh & McLennan in the workers compensation insurance market. The public must be made aware that one of the main drivers of increased workers compensation costs is the the unethical behavior of some employers and insurance carriers in a very profitable segment of the market.

Bush Social Security Plan Dead?

I wouldn���t bet on it. Despite dwindling support in his own party and the public in general, the President has shown in the past that he is a stubborn and resilent fighter for his policies. Rather than folding up shop and licking his wounds, he has announced a new multi-state push to convince the American public that his way is the better way to fix Social Security. His biggest nemesis, AARP, will surely be nipping at his heels after every stop and trying to undercut his proposal for "private" (or shall we say "personal") accounts. For entertaining bashing on both sides of the Social Security Reform issue, visit There Is No Crisis and Social Security Choice.

Even if the President���s privatization plan fails, there will most likely be some sort of Social Security reform in the next year. Advocates for disabled workers must see to it that the Social Security Disability program isn���t left on the cutting room floor when all the smoke clears. We will have to lobby all our friends in Congress to make sure that they protect the most vulnerable among us ��� the disabled. As with most things, the devil is in the details. There are more than a few pitchfork carrying souls lurking in the halls of Congress who would love to gut the disability program. With all the discussion about private accounts, let���s also keep an eye on the disability insurance program.