Work Injuries Are Heavily Unreported

Despite what we tend to hear in the media from insurance companies and entities like OWCP who try to create the impression of rampant fraud on the part of injured workers, work injuries are heavily under-reported. Many workers suffer injuries and simply "tough it out" because they either don't realize they have suffered a work-related injury, or they do not want to deal with the perceived (and sometimes true) career implications and hassle factors. Recently, I have heard from many USPS employees who are afraid to file OWCP cases because of the current work environment at the USPS with the continuing effects of the NRP.

Workers who perform the most physically demanding jobs tend to get hurt the most, yet they are often the least prepared to handle this type of paper process.

Injuries that typically go unreported, in my experience, include hearing loss due to loud noise on the job and many types of repetitive motion injuries. For example, federal law enforcement officers and firefighters are are frequently exposed to loud noise during training and in the field, loud noise exposure may occur in situations where safety issues preclude the use of proper noise protection equipment. USPS employees working around large mailhandling machinery are also frequently exposed to long term loud noise that damages their hearing as well.

Whether such injuries are under-reported because of ignorance, fear of reprisal, or a work environment that encourages a tough guy attitude, its not smart to ignore your health. Ignoring an injury does not make you tough!

Online Survey - a chance to tell OWCP what you think

OWCP currently has an online survey, so let them know about your experience with the federal workers compensation (FECA) process, click on the link below, then scroll down the letter and click on the link towards the bottom right:

http://www.dol.gov/owcp/OWCPSurveyLetter.pdf

Be Prepared for Your Periodic Roll Review

The Federal Employees' Compensation Procedure Manual indicates at 2-0700-17, Periodic Roll Review, that the Claims Examiner should review each case at least once a year to verify continuing entitlement to benefits, ensure that benefits are being paid at the “proper” level, resolve third party issues, and discontinue benefits when warranted. The annual review of a case often begins during the month prior to an injured worker’s birthday when form letters are mailed requesting information about entitlement to other government benefits, status of dependents, third party settlements, and possible work activity. Simultaneously, a request for medical evidence is made seeking to verify continuing presence of objective findings, an ongoing relationship of the accepted condition to the work injury, and the extent of disability.

Like a series of forks in the road, what happens next depends on many factors, some of which pertain to the specifics of your case, and some of which are the programmatic emphases of the day, the workload, or most anything else. As the Scout motto says, your best move is always to “Be prepared.” Regular medical care and timely comprehensive reports, medical testing as needed, surgery when prudent, are all obviously required. If you have moved, been divorced, or had any other change in your situation, don’t wait for the review to report it.

If you know that you are not totally disabled from the work injury, but have preexisting conditions that are also disabling, or another condition that has not yet been accepted as compensable, ensure that you have complete medical records available to prove it.

Finally, if you suspect that the axe may soon fall, the best time to seek help from a knowledgeable source is before that actually occurs in order to have the best chance of preserving benefits before you open the Notice of Decision reducing or terminating your benefits. Declining workloads at OWCP coupled with today’s economic environment and budgetary issues all mean that your number may come up sooner rather than later. Be prepared!

Department of Labor is advocating reduction in FECA benefits

The Labor Department has proposed what they characterize as an "overhaul" of the FECA process. It is noteworthy that OWCP has been presenting the proposed changes to employing agencies, "stakeholders" in their parlance, but has not made any effort to communicate this to injured workers who apparently get in the way of the process of managing FECA, the federal workers' compensation benefits program for federal employees. This is being presented as a way to move older, injured workers into retirement and remove alleged "disincentives" for younger employees to return to work. They propose that injured claimants should receive 70 percent of their salaries, tax free, until they reach retirement age. When they reach retirement age, under Labor's proposed plan, benefits would be reduced — called the "conversion entitlement benefit" — to 50 percent of their gross salary at the time of their injury, with cost of living adjustments, still tax free.

http://www.federaltimes.com/article/20110414/BENEFITS01/104140301/1001

Get SSA to "pay" attorney fees arising from your OWCP claim

If you are receiving FECA benefits from OWCP and a reduced Social Security Disability payment from SSA, you can get SSA to "pay" your attorney fees as an "excludable expense." SSA has a document available online explaining how to report your attorney fees paid in connection with receiving FECA benefits from OWCP. The attorney fees will be used to reduce the offset amount. See SSA POMS - DI 52150.050 - Excludable Expenses

http:/policy.ssa.gov/poms.nsf/links/0452150050

Facebook and Other Social Media

When you are receiving federal workers compensation benefits you are a second class citizen. Your actions are scrutinized and interpreted against you. It is always important that your activities are consistent with your physician’s restrictions. If you can’t push a mower around at work, you better not show up on a video pushing one around at home. With the explosion of social media has come a new world of risk for injured workers. Comments, pictures, friends, all of this information that gets posted becomes possible sources of negative information about you. If you are posting online, realize that it will likely be read by people who are not looking out for your best interest. That picture of you attending a sporting event or together with your friends may give a false impression of your ability to function. I recommend that my clients always assume that they are under surveillance by their employing agency or OWCP. If you must post to social media sites such as Facebook, assume that what you post is going to get reviewed by someone from your job.

Time Limitations Do Not Always Apply

Last spring I commented on time limits for filing a federal workers compensation (FECA) claim with OWCP. It bears repeating that just because an injury occurred long ago, the claim can sometimes still be filed now. Not that procrastinating is a good idea, and certainly the passage of time can make it impossible to get benefits approved that would have been winnable had the claim been pursued in a timely manner; nonetheless, a claim that is seemingly out of time can still be successful under some circumstances.

The time limitation to file a claim for an occupational exposure such as hearing loss and asbestosis is three years from when you were last exposed to the work factor or three years from when you knew or should have known of the illness, whichever is later. “Notice” is the key word. If your employer conducted screenings for asbestos exposure or hearing loss, those records in your personnel file can sometimes be used many years later, when your claim is seemingly far out of time, to establish “notice” of your claim to your employer.

Another area where time limitations may not apply is with schedule awards. So long as your claim has not been terminated, you should be able to claim a schedule award or an increase in a schedule award. The critical time limitation is that you must be alive to claim it. That means the CA-7 requesting the schedule award and sufficient medical evidence to establish your rating must be in the workers compensation file while you are alive.

Even when someone has received an unfavorable decision in a FECA case from OWCP and they have missed the one year for requesting further review, there are limited circumstances where a Reconsideration can successfully be pursued. However, the standard of proof is much more difficult, described by OWCP as “clear evidence of error.” Generally, new medical evidence will not get you over this hurdle. In my experience, one must usually point to an error by OWCP to meet this standard.

A claim for compensation for lost wages in an accepted case may be claimed well after the fact as may an election of benefits if you are in receipt of an OPM annuity. Claims for consequential injuries and recurrence of disability do not have a firm deadline for submission either.

A request to modify a Loss of Wage Earning Capacity determination can also be submitted at any time. This is especially relevant presently for many USPS workers who are being put out of work due to the NRP who were previously given erroneous LWEC determinations.