Archive for the ‘Cindy Morgan’ Category
Even though I have not reach MMI with the plastic surgeon, and Dr Waguespack has not released me, (She did say I was MMI), my lawyer and AIG/Chartis have started the back and forth or trying to work out a settlement. Of course, nothing can make up for all the pain of loosing a 20 year career as a truck driver, but we had to start some where. So, my lawyer made the first demand of $79,000. That was two months ago. The other day they came back with an offer of $47,000. I keep telling my lawyer that I am not asking them to support me for the rest of my life, I just want to be able to make it through college without loosing everything I have. He made a counter offer of $68,000. I know they are not going to agree to this either.
I have discovered that Workman’s Comp is really not set up for someone that is hurt as bad as I was when I shattered both my wrists. It is not set up for people are injured so bad the they loose their career. It is set up for more minor injuries. Something really should be done about this. I am not sure where to start, but I plan on doing some research and see. I know it is not going to help me right now, but it may help someone else down the road.
In the mean time, I will just have to try and fight with them and see what happens. Sadly, I know I am going to get screwed!
Over 3 days I had the sad but honorable duty of riding escort for KIA SPC Anthony Blount. This was my second KIA mission, but this time I was able to participate all 3 days instead of just the day of the services. I am thankful that in a weird twist of fate, even though I can no longer drive a big truck, I can still ride my bike and am able to give these Heroes my support and stand a line for them.
Thursday morning around 1020 a small jet landed at the Hattiesburg/Laural Airport with SPC Anthony Blount’s body. This was the first time I have met a plane at the airport and it was so very hard. I stood beside Kim and Wilma and let the tears roll down my face. Kim and I were lucky that our sons came home safe as they can, both suffering from PTSD. But Wilma is a Gold Star Mom and I know this day was very hard on her. We stood there arm in arm to comfort each other as they brought the coffin off the plane with the family standing at the edge of the flight line. I can only imagine their pain and feel a hint of guilt for being thankful for that.
There were 76 bikes there to bring SPC Blount home to his family. Not all were PGR, some were from Camp Shelby and a couple of other motorcycle groups from the area. As we made our way into town and around the High School, I was amazed and thankful to see so many people out on the side of the road to support and honor this Hero and his family. Once again I had to fight the tears as we made our round of the school and the age of the kids there went from High School to the Elementary, younger and younger. At one point I remember seeing a boy scout troop on the side of the road holding the National Flag and saluting. My goggles filled with tears; it made it very hard to see where I was riding.
Today I had to meet with a gal from Workman’s Comp for a vocational evaluation. This assessment was to see what my skills and limitations are. There were a lot of questions about my hobbies and activities before the fall and what of that I can do now. It is this lady’s job to take what learned from me today and the doctors notes and go out and look for me a job that I can do within those limitations. After an hour and a half I broke down and cried when telling her my frustration at not being able to do the things I did before and not being able to drive a truck anymore. Trying to explain to someone that has never driven a truck what it is like to do and then to loose it is not an easy task. I know many of you have heard and read me talk about how trucking in more than just a job, it is a way of life and a life style. The nomadic nature of drivers in ingrained in them so deep that it becomes part of who they are and of who I am. Over the last couple on months as I have started school and had to try to integrate myself into the “real world”, I have had days that I hate my life. I have had days that I am angry at the world. I have had days that I ask why me and want to crawl into a whole and hid from all these crazy people that just don’t get me. I try to hang on to that fact that now I am chasing another dream I have had for several years. If not for the fall I am not sure that I would have taken the step to go to school and try to start another career in radio. I remind myself that I am smart, personable, and that the only one holding me back from chasing this dream is me. But it doesn’t always work. Even though I am doing well in my classes, I think I have at least one A, several high B’s and a C, I get scared. I wonder if I can really do this. All of this came out when talking with this lady today. I think that this meeting is another slap in the face that this is really happening, I am not going to back to truck driving, and that hurts.
The thing that made it even worse was the meeting with my lawyer after the lady left the office. My doctor has give me a 6% medical impairment rating. To get a rough dollar number as to what that means for a settlement we have that the 200 weeks that are allowed for a scheduled member, multiply that by the 6% (which equal 12 weeks) and then multiply that result by what I am getting per week from AIG for workman’s comp. That comes to $4787 for each wrist. Shane, my lawyer, says that it what I can count on getting at the very least. But that total will be multiplied by 4 or 5 because of the impact the injury has had on my life. So if we go with the hopeful number of 5, that total is $23935 per wrist. That is a total of $47871. Does that seem fair for how much of my life has been impacted by this injury? These are just base figures. Shane say he is going to shoot for 100 week times what I am getting weekly to start off with. That still only comes out to be $39893 per wrist for a total of $79786. Of course, he gets 25% of what ever settlement I get. This news did not go over well with me. I was really expecting more. I don’t want enough money to live off of the rest of my life, I just want enough that I don’t have to worry about how I am going to live while I got to college the next four years. Shane told me that workman’s comp laws are really not set up to deal with severely injured people. they figure that if you are severely injured, you will be going on social security disability. when I asked him I qualified for that, he said that they really are not set up for a partial permanent disability. He says that I do have a winnable case, but it would be a fight to get it. When I asked him if a lawyer would even touch it is it was going to be such a fight, he said they would, but that I didn’t want to start that until after the workman’s comp case is done.
So, I sit in limbo once again, not knowing what is going to happen and how I am going to survive the next few years while I try ti finish college and start a new career. But as much as there are days that I really want to give up, I am just not that kind of person. I am a survivor and a fighter. One way or another, I will adapt and overcome!!
Once you get past the fact that you have had a sever on the job injury and that you are going to be out of work for a long time, you then have to face dealing with Workman’s Comp. Even if they give you most everything you need medically, the amount of time you spend making sure that you get your weekly checks on time, the prescriptions filled, keep track of your millage and so on can be a bit frustrating.
AIG was the workman’s comp insurer for F & H Trucking when I fell November 19, 2008. Having been a civilian contractor in Iraq for KBR in 2003/2004, I have seen how this company has treated some of the people I know when they were injured overseas. Some they took care of but many have had the fight of their life to be medically taken care of. My driver, Robert Rowe, on the night on August 21, 2004 was shot in the knee and until earlier this year, has been fighting with AIG to get the medical care he has needed. His fight started with being sent home to heal, going back before he was totally healed for fear of loosing his job, to AIG saying he needed to prove to them that he was shot in Iraq. Still walking around with several pieces of shrapnel in his knee, he has never gotten the physical therapy ordered in his settlement and received only a “few thousand dollars”.
To date, my dealings with workman’s comp and AIG/Chartis has been rather positive. Within the first two weeks of being released from the hospital, I was contacted by Arnissa, my workman’s comp adjuster. We talked about the fact that Dr. Waguespack’s office was 2 1/2 hours away from where I lived and I requested to find a hand specialist closer to home. Arnissa informed me that workman’s comp would rather I stay with the doctor that did my surgery in the hospital and that they would pay me millage for traveling back and forth. She said she would get in touch with Angela, a workman’s comp field nurse for the New Orleans area, for my medical care in the state of Louisiana and Debbie, the field nurse for the Mississippi Gulf Coast, for a doctor to fix my broken nose.
Arnissa asked me about my wages with F & H Trucking. The compensation rate for the state of Mississippi is 2/3 the Average Weekly Wage subject to the minimum and maximum in effect on the date of injury. Two-thirds of my income from F & H Trucking was more than the $398.93 maximum a week allowed for injuries in November 2008 and the millage pay was $0.585 per mile. This was a drastic cut in income for me. Arnissa got my mailing address and said she would send me the forms to keep track and get payment for all my millage.
Angela met me at my first appointment with Dr Waguespack two weeks after my release from the hospital. She sat in on my visit with the doctor, took notes, and told me to let her know if I needed anything. Even though it took me about an hour to bathe myself, I could not wash my hair and I needed help at home with personal hygiene at the very least. She said that she would get in touch with Debbie to get a Home Health Care Nurse in to help me a couple times a week.
It took about 2 weeks for my Workman’s Comp checks to get started. For the most part they have come every week, but once in a while they will be a week late. So far AIG/Chartis has not missed a week, but the inconsistency that the checks arrive can be a bit frustrating. For a few months they arrived at the house on Thursdays, then they started arriving on Tuesdays. Then, in the last few months, they have arrived any where from Tuesday to Friday and a couple of times not until the following Monday.
Getting millage pay is a bit complicated. I run the route on Google Maps or Map Quest to get the millage, they do not pay actual miles. I have to keep up with every time I go to the doctor. The form asks for the date, address of my house and the doctor’s office, what was the purpose of the visit and how many miles it was round trip. In the beginning, keeping track of all that was not a big deal other than I could not write, I had to get my Dad to fill out the form. I don’t sent this off every month, I usually wait till the amount of reimbursement is up around $700 to $800. Once I started Occupational Therapy (OT), it was a lot to keep up with. In stead of trying to write out every day that I went to OT, I would get the rehab center to write out a list of dates of visits and attach that to the millage form from AIG/Chartis. Once I mailed that form I am supposed to get the reimbursement check in 30 days. I have yet to get one in that amount of time, it usually takes about 45 days and I have to call Arnissa and get a bit nasty in the message I leave on her voice mail to get it then.
One of the biggest frustrations I have is getting Arnissa to return my phone calls in a timely manner. Usually it will take 2 or 3 voice messages left before she will call be back. Angela is almost as bad. I send her text messages through my cell phone because it is easier to get her to answer them, than it is to get her on the phone, but it can still take her 24 hours or more to answer those. Debbie is real good about answering my calls or text messages in a timely manner.
Getting prescriptions filled in the beginning was a bit of a pain. The doctor would write the prescription, I would take it to the pharmacy and it would be about 3 days before I could pick it up. It took the pharmacy that long to get approval from AIG/Chartis. This was the process for refills as well. A few months back, without any notice, AIG/Chartis switched to PMSI to handle prescriptions. I received a phone call out of the blue telling me who they were and what they were doing. They mailed my refills and 2 weeks before I was due for another refill, I would get an automated phone call asking me if I wanted to reorder the prescription. This was good. Now I no longer had to drive into town, drop off the prescription, wait 3 days to get approval and drive back into town to get my prescriptions refilled, they would be delivered through the mail to the house.
That was great till I messed up on reordering once or had a new prescription. There is no option to delay reordering the medication. You either reorder, or you cancel. A few months agoI still had plenty of the Vicodin and didn’t need to reorder so I choose to cancel the order at that time. The next time I saw Dr Waguespack, she gave me a new prescription for Celebrex along with a few samples of the drug to tide me over till I got my prescription filled. When I got home I called PMSI, punched buttons till I got a real person and told her I had a new prescription, and asked how do I get it filled. I was told to “put it in the mail”! When I told her that I needed the medication sooner than that, she told me to have the doctor cancel the written prescription, and fax them a new one, ordering the Celebrex. I asked if they could call Dr Waguespack’s office and get it, I was told “no, they could not”. This frustrated me and I hung up the phone. I sent Angela a text message telling her the problem with getting the prescription filled. The next day I got a text from her saying she would get a copy of it from Dr Waguespack and send it to PMSI for me. It was two weeks before I got the first bottle of Celebrex. Celeberex is a medication that you have to take for 2 weeks before it has any effect. So the samples Dr Waguespack had given me and that I had used up a week before I received the prescription in the mail, were of no use.
At that last doctor appointment I still had some of the Vicodin and didn’t get a new prescription for it. A month later when I did need to reorder, I jumped through the hoops of the automated system but I could not figure out to reorder them. Again, I sent Angela a text message. When she didn’t text me back within 24 hours, I called Dr Waguespack’s office, told them what I needed and asked if they could help. They told me to get Angela to come get the prescription for me and fax it in. I sent Angela another text message and tried to call her. No answer. I needed the pain medication so I called PMSI again. I went through the automated system again till I got a live person. I explained the situation. She told me I was talking to the wrong department, but that she would help me anyway. She got Dr Waguespack’s phone number from me and said that they would have the medication to me in about 2 weeks. Angela finally sent me a text message back that afternoon saying she would talk to the doctor’s office. I text her back informing her that I had gotten it taken care of myself.
Now, when PMSI’s automated system calls saying it is time to reorder my medication, I just reorder it weather I really need it yet or not. Since I try not to take the Vicodin unless the pain in my wrists get to the point that I just can’t stand it any more, I am building a rather nice stockpile of Vicodin. Since medication will keep for an extended amount of time, I guess this will be less I have to pay for out of my own pocket, later on, when they cut me off.
In my last post about dealing with Workman’s Comp, two weeks after seeing Dr George, I was still waiting for Arnissa to approve the work hardening therapy. Again, I took matters into my own hands and called Arnissa and left a rather tart message. Amazingly, she called me back that same day. She told me that she had just gotten the orders a few days before and had approved them. I thanked her for calling me back so quick this time and called the Rehab Center to set up my first session.
At the date of writing this story, I have been to 7 sessions, a little over 2 weeks , of the ordered 8 weeks and will not be going to any more. The mission of work hardening is to work a patient up from 2 hours of therapy, 3 times a week to 8 hours of therapy each visit. They take a description of what your job physically requires and your therapy is based on that. Even though 3 doctors have told me that with the injuries I sustained to both my wrists I will never pull a flatbed and never drive a truck again, my therapist has to go by that guideline and try to get me to where I can do the job I was doing when I was injured. I have had pain with every therapy session. Some of the pain was muscle pain from a year of non-use, but some was injury pain. My last therapy session was to be for 4 hours. I was sent home after just 1 hour due to the pain in my wrists. The head of the therapy department told me to call my doctor and see what she wanted to do, either not be so aggressive, or stop the therapy. Dr Waguespack’s assistant called me that afternoon and told me that therapy should not hurt like that and I should stop. I have now exhausted every means to get more use out of my wrists.
I have an appointment with Dr Waguespack on January 18, 2010. At that time I will give her the letter from the Rehab Center. It states that I could only lift 10lbs instead of the 20lbs that we thought I could do before and all other limitations they have seen though the work hardening therapy. At that time Dr Waguespack should give me a disability rating with my limitations and we will move to the settlement phase. With this milestone comes a whole other set of problems. AIG/Chartis could cut off my weekly checks, no longer send me medication, and refuse to pay for the doctor visits I will need for future pain management.
The Mississippi Workers’ Compensation Commission has a web site that gives all the information a person could need about the laws and regulations for the state. After spending hours and hours reading the laws governing Workman’s Comp for the state of Mississippi, I have hired a Workman’s Comp Attorney. I know I have had a much easier time dealing with Workman’s Comp and AIG/Chartis than many others have had, but the laws are very hard to decode and understand without some legal knowledge. In the next installment I will try to decode the law a little so you can understand what I am facing in trying to get a settlement out of AIG/Chartis on my Workman’s Comp case. It is very possible that even with the very low limitations on the use of my wrists, I could get less than $50,000. That settlement would include future medical visits due to this injury, future medications, and a lifetime compensation for the disability.
It may seem like such a simple thing to you and me to see 6 bikes with 7 riders sitting out side the gate of Camp Shelby, but for the 412th Engineering Battalion out of Vicksburg, MS that just left headed to Afghanistan, it was a big deal. For reasons of Operational Security, there is no big fan fair when these men and women leave the Country headed out on a deployment. There is no family there to hug them, tell them they love them, wave goodbye and express their hope that they ALL return home, safe and sound at the end of their deployment, that is what the Patriot Guard Riders’ “Help on the Homefront” mission is all about.
“Help on the Homefront” or HOTH, is a relatively new mission that the Patriot Guard Riders have adopted and the national guidelines are still being defined. But for us here in the state of Mississippi, we know what we want our mission to encompass, help for the soldiers and their families at home, provide send off and welcome home escorts, and show our continuing love and respect for our Veterans.
As with any other Patriot Guard Riders mission in the state of Mississippi, when there is something to be done, an email goes out state wide to all members and is posted on the national and state web sites. But some times these notices can be very short notice, or plans can change, as with the 412th Engineering Battalion.
The notice of this send off mission came a few days before they were to deploy. An email was sent out to all Mississippi State PGR members, and being the Assistant Mississippi State HOTH Coordinator, I made my plans to attend. Two days before the mission, I received a call from Kim, Mississippi State HOTH Coordinator, telling me that she was sending out another email, the date and times for the send off had been moved up due to a breach of Operational Security. In the email Kim also informed us that there were several PGR members from the states of Arkansas and Georgia among the men and women deploying. So not only are these brave men and women willing to serve our Country in the military, but they also show that the “job” does not end when they come home. They stand beside the rest of us, to honor and respect their brothers and sisters in arms.
Several times a year the Mississippi PGR will get together for a flag singing event. With every Unit that deploys from Mississippi we send with them a Patriot Guard Riders flag signed by the members. The hope is that when they look at this flag while deployed, they will know that there are people back home that love, honor and respect them even though we may not know them personally.
After the presentation of the flag, we escorted the 412th Engineering Battalion from Camp Shelby to Gulfport. When we arrived at the airport, we all parked on the side, honked our horns, revved our engines and waved as they passed through the gate. One though was on all our minds as the red tail lights disappeared from site in the dark, “I hope that when we escort them home when they return, that we escort ALL of them.”
Besides the send off and welcome home missions for those deploying, the “Help on the Homefont” mission also continues to show our love and respect for our Veterans. Among the many things we do for our Veterans is visit the VA homes across the state. We have 4 of these homes in the state of Mississippi. Every year, around Christmas, we go and visit the residents of each of these. We always like to bring them a little gift to show our continuing love and respect and that they are not forgotten. This year was no different.
Each member of the PGR provides their own gas to, from and during any event. The flags presented to deploying units, plaques given to the families of the Fallen and anything else we do are totally supported through donations from the members and the American public. This year we had a “Halloween for Hero’s Ride” to raise money to buy fleece blankets & Christmas cards for every Veteran in the four MS VA homes to be given during our Christmas visits.
One of my duties as Assistant Mississippi State HOTH Coordinator is to help set up these visits. As I called the homes and talked to the Event Coordinators each of their voices brightened when I told them who I was with and that we wish to visit again this year. They went on and on about how much the residents loved our visits, talking with us and seeing our bikes. For me, hearing the excitement in their voices made my eyes fill with tears. To many times we, as a society, forget our elderly. Soon, many of these Veterans will be gone. Gone will be their wisdom that comes with age, and gone will be the stories they tell from a time when the whole World was at war.
If anyone would like to help our effort, donations can be made to your local HOTH program through the national PGR web site or they can be mailed to:
Patriot Guard Riders of MS
State HOTH Coordinator
56 Bill Knight Rd.
Lumberton, MS 39455