Thursday, December 17, 2020

Moving Beyond Physical Injuries for Workers’ Compensation

In many cases, a worker who has suffered a traumatic physical injury on the job suffers related psychological harm as well. How a worker may react to physical trauma – a deep cut, electrical shock, fall from great height, or loss of a limb – differs for each individual. But it is well established that some people react to traumatic injury in a manner similar to post-traumatic stress disorder (PTSD), which may lead to depression and premature death.

In Kentucky’s workers’ compensation program, an injured worker may obtain reimbursement for the costs of treating psychological injury suffered on the job if “it is a direct result of a physical injury” (Ky. Rev. Stat. 342.0011(1)). This is a stricter standard than in other states, but it can be met. You can obtain the Kentucky workers’ compensation benefits you deserve if your occupational injury has done more than physical harm to you.

An experienced workers’ compensation lawyer from Morgan, Collins, Yeast & Salyer can help you seek the full benefits available by law after a workplace injury. Our law firm has recovered more than $200 million in workers’ compensation benefits for hardworking Kentuckians. We stand ready to fight for you. Contact us today to set up a free legal consultation.

Psychological Responses to Traumatic Physical Injury

There are numerous factors that affect how an individual reacts to trauma. A treatment manual published by the U.S. Substance Abuse and Mental Health Services Administration (SAMHSA) says responses depend on characteristics of the individual, the type of the event(s), developmental processes, the meaning of the trauma, and sociocultural factors.

Regardless, “traumatic stress reactions are normal reactions to abnormal circumstances.” There are many varied short- and long-term responses to traumatic experiences found among individuals who may seek behavioral health services.

After a traumatic accident, a person may exhibit exhaustion, confusion, sadness, anxiety, agitation, numbness and confusion. More severe responses may include continuous distress, severe dissociation symptoms, and intrusive flashbacks that continue despite a return to safety.

Additional delayed responses to trauma can include:

  • Persistent fatigue
  • Sleep disorders
  • Nightmares
  • Fear of recurrence
  • Anxiety focused on flashbacks
  • Depression
  • Avoidance of emotions, sensations or activities that are associated with the trauma, even remotely.

These reactions will hinder the injured individual’s ability to engage in daily life activities, including working, sustaining self-esteem, and maintaining interpersonal contacts. Clearly, medical attention is warranted.

Treating the Psychological Effects of Workers’ Comp Injuries

Dr. Kenneth Larsen is a clinical psychologist at New England Baptist Hospital in Boston who treats workers who have sustained mental injuries, such as PTSD, as a result of a workplace injury. Speaking to the Workers’ Compensation Research Institute’s 36th Annual Issues & Research Conference in March 2020, he said workplace injuries often lead to mental health issues, including opioid dependence, depression and even suicide, according to a Business Insider report.

Providing early mental health treatment is key to a faster return to work, Larsen said. Larsen said that companies that communicate compassion to their workers see workers return to work more quickly than companies with a hands-off approach.

Mary Christiansen, the workers’ compensation claim manager for the electric utility Southern California Edison Co., told the conference her company developed a counseling program for workers’ comp recipients as part of its employee assistance program in 2017. It helps return injured employees to work and provides assistance for external factors, such as depression, and financial or family problems that can often accompany a workplace injury.

“Since the program’s implementation, the company’s overall claims costs have continued to decline, she said, and workers’ compensation claims that have historically come after an employee has taken Family and Medical Leave Act leave are also down,” Business Insider says.

Elsewhere, workers’ compensation claims adjuster Kristin Bowen writes that claims handlers should keep the possibility of post-injury depression in mind and maintain sensitivity and compassion when they recognize issues. Treating psychological injury, though an added cost, saves money in the long-term, she argues.

“Coupled with physical injury, post-injury depression can prolong recovery, delay return to work, and complicate the resumption of pre-injury function and activity levels,” Bowen says. “If the psychological effects are diagnosed and treated in conjunction with the physical injury, this will add time, resources, and money to the management of the physical injury, including longer periods off work, possible counseling, and added prescription costs. …

“To help promote the injured party’s recovery, both physically and mentally, it’s best that we provide the support and means to address this ever-growing challenge.”

Convincing Your Company of Your Workers’ Comp Injury Needs

The psychological impact of trauma and the value of mental health services for healing are not breaking news. However, some employers are more enlightened than others. Unfortunately, it’s just as likely, if not more so, that your employer (and/or their workers’ compensation insurer) will seek to deny payments for mental health care after a workplace injury.

In some cases, Kentucky’s workers’ comp does cover the treatment of psychological injuries and you can get a workers’ comp settlement for depression, PTSD or a similar issue.

In multiple court cases over the years, the Kentucky Supreme Court has expanded the definition of injury for workers’ comp claims, and exhibited “a growing appreciation … of the seriousness of mental injuries.”

In a case known as Richard E. Jacobs Group, Inc. v. White, the Supreme Court of Kentucky reiterated that a mental injury must result from a “work-related traumatic event,” as the statute says, and ruled that physical exertion at work – in White’s case, performing CPR on an injured man – could constitute a physically traumatic event.

As the author cited above suggests, “The White decision might allow a worker executing their daily duties to be compensated for mental injuries resulting from exertion,” a broad definition, indeed.

Our larger point is that there is reason to fight a denial of workers’ compensation benefits for mental health counseling and similar services connected to an occupational injury. Medical and legal professionals increasingly recognize that providing such services is morally correct, economically beneficial to the employer and within what Kentucky law says is appropriate.

It takes courage to stand up and say your claim is valid when you are denied. Let Morgan, Collins, Yeast & Salyer add the Kentucky Courage your workers’ compensation claim needs to recover the full benefit you deserve.

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Tuesday, September 29, 2020

Studies Show Drivers Should Wait to Drive After Suffering a Concussion

A blow to the head may cause longer-term brain damage than previously thought and make it dangerous to drive a car even after concussion symptoms have subsided, a recent study of college students says.

The study at the University of Georgia examined 28 college students, half of whom had had a concussion two weeks earlier and half of whom had no injury. Researchers said subjects with concussions often had slower reaction times and scored lower on tests of thinking skills.

Drivers with concussions had slower reaction times than those without a head injury by an average of nearly one second, a UGA news release about the study says. Slowed reaction time is a predictor of crash risk, and split-second delays can be critical in avoiding a car accident.

The tests included simulations calling for split-second decision-making, including a child running in front of the car. The study participants with concussions took 0.03 seconds longer to react, which equated to 3 feet in stopping distance. Additionally, drivers were tested on their reaction to a stoplight. It took the drivers with concussions 0.24 seconds longer to react, an equivalent of nearly 16 feet in stopping distance, compared to drivers without concussions.

How Long to Wait Before Driving After a Concussion

“Our study suggests that complicated driving skills, the kind involving split-second reaction times that could mean the difference between life and death, are the ones that may take the longest to regain after you have a concussion — even when all of your symptoms have resolved,” Julianne Schmidt, co-director of the UGA Concussion Research Lab, says in the news release.

Schmidt found similar results in a 2017 study of 14 college-age participants who were tested on a driving simulator within 48 hours after they no longer felt the effects of their concussions. That study was published by the Journal of Neuroscience. The newer study was presented at a virtual meeting of the American Academy of Neurology in August and awaits peer review, according to U.S. News & World Report.

In a 2018 study, Schmidt found that a majority of student-athletes did not refrain from driving at any point following their previous concussions despite generally believing that driving immediately following a concussion is unsafe.

Signs of Concussion

A concussion is a mild form of traumatic brain injury (TBI). Concussions are usually caused by a blow to the head, such as in a fall, contact sports or an assault. Violent movement of the head, caused by events such as a car accident collision or being shaken, can cause a brain injury.

Most people fully recover from a concussion after several weeks of reduced activity.

The Mayo Clinic says common symptoms after a concussive TBI are headache, loss of memory (amnesia) and confusion. The amnesia usually involves forgetting the event that caused the concussion.

A person may have some symptoms of concussions immediately, and some can occur for days after the injury.

Signs and symptoms of a concussion may include:

  • Headache
  • Ringing in the ears
  • Nausea
  • Vomiting
  • Fatigue or drowsiness
  • Blurry vision
  • Confusion or feeling as if in a fog
  • Amnesia surrounding the traumatic event
  • Dizziness or “seeing stars”
  • Dazed appearance
  • Slurred speech
  • Delayed response to questions
  • Forgetfulness, such as repeatedly asking the same question
  • Concentration and memory problems
  • Irritability and other personality changes
  • Sensitivity to light and noise
  • Sleep disturbances
  • Psychological adjustment problems and depression
  • Disorders of taste and smell.

Is Driving After a Concussion Like Driving Under the Influence?

In her 2017 study, Schmidt found that, even though participants felt like they had recovered from their concussion, they were still likely to drive erratically when using a driving simulator. Their reactions at times were similar to someone driving under the influence of alcohol.

“They had less vehicle control while they were doing the driving simulation, and they swerved more within the lane,” Schmidt said. “This is a pretty large indicator of motor vehicle accident risk, and this is at a time point when they are considered recovered.”

The Concussion Institute referred to Schmidt’s 2017 study and said her researchers also compared their results to those of individuals with neurological diseases like Parkinson’s and multiple sclerosis. The Institute cited an academic study in Australia that showed that individuals who had suffered a concussion have a harder time identifying hazards on the road.

How Long After a Concussion Is It Safe to Get Back Behind the Wheel?

As is often the case after academic research, further study is needed to determine how to apply what has been learned. Schmidt has not developed a timeline for driving after a concussion. After one study, she said post-concussion driving restrictions could deter the injured from seeking medical help.

A Canadian researcher and medical practitioner commenting for the Ottawa Citizen’s lengthy examination of Schmidt’s 2017 study said he usually tells patients they can drive after a concussion or other more serious brain injury. But he also reminds patients that they are responsible for being fit to drive.

Dr. Shawn Marshall, head of physical medicine and rehabilitation at the Ottawa Hospital and a researcher with the University of Ottawa Brain and Mind Research Institute, compared concussion impairments to those for alcohol or marijuana: Having a drink or (in Canada) smoking a joint is legal, but an individual is temporarily impaired from driving because they’ve decided to do that.

Immediately after a concussion, an individual is not fit to drive, Marshall said.

A concussion impairs the individual in three cognitive areas relevant to driving:

  • Information-processing speed, or how quickly they take in information and use it
  • Dividing their attention between tasks, like checking the speedometer then looking down the road and then refocusing on the rear-view mirror
  • Ability to focus.

Driving requires the ability to multi-task and take in information quickly.

Marshall pointed out that new protocols for concussion recovery are to re-introduce activity slowly as tolerated, instead of prescribing complete rest. Marshall compared recovery from concussion to recovering from a sprained ankle: If you can walk without pain, proceed but, if walking causes pain, back off temporarily before trying again.

For driving, a 10-minute commute might be OK, but not a long vacation trip, he said.

“Obviously, if the person is acutely confused and doesn’t know the date or doesn’t know where they are, they shouldn’t be driving,” he said.

Contact a Car Accident Attorney

If you have been injured in a car accident that was caused by a driver who had recently suffered a concussion, their injury could explain the car crash. You should not be left with medical debts for a car accident caused by another driver. In Kentucky, Morgan, Collins, Yeast & Salyer will investigate to determine the cause of the car accident that injured you and move aggressively to recover the compensation you deserve to have.

Contact us online or at (877) 809-5352 today. At Morgan, Collins, Yeast & Salyer, we can provide the Kentucky Courage you need to get through this tough time.

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Thursday, September 24, 2020

100+ MPH Speeding Tickets and Traffic Deaths Spike Under Coronavirus

Highway traffic decreased during the COVID-19 outbreak. But some reckless drivers have chosen to drive at much higher speeds on the less crowded roads, resulting in more fatal car accidents. It’s a continuing trend, says a report published by Autoblog.

The California Highway Patrol has issued more than 15,000 tickets from mid-March through August 19 to drivers clocked at speeds exceeding 100 miles per hour. The number of tickets represents more than a 100% increase over the same time period a year ago, the Associated Press says. “The most likely explanation is drivers taking advantage of more open roads because of the pandemic, said Officer Ian Hoey, a spokesman for the California agency.”

The same report cites 2,200 tickets issued to speeders in Ohio who were driving more than 100 miles per hour since April, a 61% increase over the same time period a year ago. Similar trends in ticketing have been reported in Pennsylvania and Utah.

“Less traffic has coincided with a rise in speeding in some areas of the country, and that’s a problem because speeding increases the risk of crashes and can increase crash severity as well,” says James Owens, deputy administrator of the National Highway Traffic Safety Administration (NHTSA), in a public service announcement.

The Kentucky Office of Highway Safety (KOHS) says approximately 30% of fatal crashes in Kentucky last year involved a speeding or aggressive driver.

In July, the KOHS issued a news release calling for drivers to “Stop Speeding Before it Stops You” as the Commonwealth began to reopen from the pandemic shutdown.

“Too many lives are lost each year in speed-related crashes,” KOHS Acting Executive Director Jason Siwula says in the release. “Whether you are driving a car, truck or motorcycle, we urge you to eliminate all distractions and drive at a safe, legal speed.”

In June, the Lexington Herald-Leader said Kentucky highway fatalities this year were the lowest they have been in five years, thanks to decreased traffic during the COVID-19 shutdown.

COVID-19 Status in Kentucky

As Kentucky re-opens, we need to keep in mind that the coronavirus pandemic is not over in Kentucky or elsewhere in the country.

On September 22, the day our nation’s coronavirus death count topped 200,000, Kentucky Gov. Andy Beshear said there were at least 62,731 coronavirus cases in Kentucky, 824 of which were newly reported that day. Gov. Beshear also reported seven new deaths, raising the total to 1,119 Kentuckians lost to the virus.

“Not only do we have more cases than I’d like today – 824, and 134 are kids under 18 – but our positivity rate is back up over 4%,” Beshear said in his daily COVID-19 update.

The positivity rate indicates how widespread infection is in an area where testing is occurring – and whether levels of testing are keeping up with levels of disease transmission, according to the Johns Hopkins Bloomberg School of Public Health. A high positivity rate means that more testing should probably be done – and suggests that it is not a good time to relax restrictions aimed at reducing coronavirus transmission.

The threshold for a positivity rate that is too high is 5%. The World Health Organization recommended in May that before governments consider reopening a jurisdiction, its positivity rate should remain below 5% for at least two weeks.

A White House Coronavirus Task Force report for Kentucky dated September 20 says in part for the prior week:

  • Kentucky is in the yellow zone for test positivity, indicating a rate between 5% and 7.9%, with the 14th highest rate in the country.
  • Kentucky is in the orange zone for cases, indicating between 51 and 100 new cases per 100,000 population last week, with the 19th highest rate in the country.
  • Kentucky has seen stability in new cases and a decrease in test positivity over the last week.
  • The following three counties had the highest number of new cases over the last 3 weeks: Jefferson County, Fayette County and Warren County. These counties represent 37.2% of new cases in Kentucky.
  • 56% of all counties in Kentucky have moderate or high levels of community transmission, with 14% having high levels of community transmission (red zone).

100+ MPH Speeding Tickets in Kentucky

Kentucky limits highway speeds to 70 miles per hour on specified sections of some rural interstates and 65 miles per hour on other interstates and parkways. The posted speed limits on state highways is typically 55 miles per hour, and 35 miles per hour on roads in a business or residential district. Local governments may set higher or lower speed limits within their jurisdictions.

For a speeding ticket issued for going 100 mph or more, a driver can expect a fine of $60 to $100, plus court costs, and to have his or her driver’s license suspended. This is typical for speeding 26 mph or more over the posted limit. If the speeding occurred in a highway work zone or in a school zone with lights flashing, the fine will be doubled.

A driver speeding in excess of 100 mph should also expect to be charged with reckless driving, which carries fines ranging from $20 to $100 or more, plus court costs. A reckless driving conviction also adds 3 or 4 points to the individual’s driving record, though this would be waived with suspension of their driver’s license for excessive speeding.

The real danger posed by excessive speeds is the potential for any accident to be fatal. The National Highway Traffic Safety Administration (NHTSA) says 26% of all traffic fatalities in 2018 were crashes in which at least one driver was speeding.

The consequences of speeding include:

  • Greater potential for loss of vehicle control
  • Reduced effectiveness of seat and shoulder belts, airbags
  • Increased stopping distance after the driver perceives a danger
  • Increased degree of crash severity, leading to more severe injuries.

You can count on not surviving a collision in a car going 100 mph or more. A person in a vehicle hit by a car going 100 mph would likely suffer fatal injuries, too.

The link between COVID-19, speeding tickets and traffic deaths is a man-made problem. If you encounter a speeding driver, give them plenty of space. Use your best judgment to safely steer your vehicle out of the way.

Kentucky had 111 speeding-related fatalities in 2018, 15% of all fatal crashes in the state, which was the lowest percentage of speeding-related fatalities of any state, according to the NHTSA.

If you or a loved one is injured in an accident caused by a speeding driver, you may be able to hold the negligent driver accountable for your injuries. You should speak to a personal injury lawyer about help recovering compensation for your losses. The Kentucky car accident attorneys of Morgan, Collins, Yeast & Salyer will help you demand the fair compensation you deserve. Contact us online or at (877) 809-5352.

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Thursday, September 10, 2020

Health and Safety Tips for Employees Restarting Work After COVID-19

As working men and women begin returning to jobs after the COVID-19 pandemic shutdown, we urge them to ease back into physically demanding work to avoid injury. Thousands of workers’ compensation claims in Kentucky each year, particularly for back injuries, are due to musculoskeletal disorder (MSD) injuries caused by overexertion.

Employers should prepare for the possibility of physical deconditioning among workers as employees restart work. Injuries can reduce productivity and product quality in addition to the harm suffered by employees.

Below, we’ve gathered suggestions for how to avoid costly injuries at work after a months-long cessation of physical activity. At Morgan, Collins, Yeast & Salyer, our attorneys help injured workers obtain workers’ compensation benefits that keep them financially sound after injuries suffered on the job. Many of the workers we’ve helped will never fully recover physically from their debilitating work injuries. Let’s take steps now to avoid suffering unnecessary injuries in Kentucky’s workplaces.

Employers Should Focus on Health, Fitness and Well-Being

Employers, managers and supervisors set the tone at the workplace. Now is the time to ensure that your job sites and workers adhere to CDC-compliant COVID-19 protocols and to communicate to employees that you expect them to prioritize their health and each other’s safety.

Don’t overlook the possibility that many of your employees don’t understand or are misinformed about the coronavirus, how it spreads, its symptoms and preventative measures for avoiding it.

Ensure that your employees understand that they should tell their supervisors about any discomfort they are experiencing from job activities and report any potential COVID-19 symptoms or exposure they have experienced.

“Leadership can make or break a job in terms of production, quality and safety. It’s vital to remember that a leader’s actions speak louder than his words,” says Andrew Baird, senior risk technical consultant at Builders Mutual, a workers’ compensation insurer and risk management consultancy. “If a leader’s actions do not demonstrate a commitment to safety, then his or her workers will most likely take more risks, which will lead to more accidents and injuries.”

Occupational Health & Safety (OH&S) magazine suggests that employees returning to work may have been sedentary during the six months of COVID-19 shutdown.

Inactivity over that amount of time can lead to:

  • Reduced muscle strength
  • Reduced cardiovascular fitness
  • Reduced physical endurance
  • Reduced range of motion
  • Increased whole-body fatigue
  • Weight gain.

Such physical deconditioning can cause workers’ bodies to be more susceptible to injury from musculoskeletal stress and strain caused by lifting, reaching, bending, climbing, squatting, or repetitive motions.

The Occupational Safety and Health Administration (OSHA) says that work-related musculoskeletal disorders (MSD) may affect as much as one third of the workforce in construction industry trades. A new injury could easily put a worker off the job and on workers’ comp.

MSDs include cases where the nature of the injury is:

  • Pinched nerve
  • Herniated disc
  • Meniscus tear
  • Sprains, strains, tears
  • Hernia
  • Pain, swelling and numbness
  • Carpal tunnel syndrome
  • Raynaud’s syndrome or phenomenon
  • Overexertion involving outside sources
  • Repetitive motion injuries
  • Vibrating tool injuries
  • Musculoskeletal system and connective tissue diseases and disorders when the event or exposure leading to the injury or illness is unspecified overexertion and bodily reaction.

Safety Tips for Returning to WorkWorkers on the job

Workplace safety tips for the resumption of job duties after the lockdown offered by OH&S magazine and HumanTech, a workplace ergonomics consultancy, include the following:

  • Ensure that employees have all the necessary tools and equipment available to them and that they are in proper working conditions.
  • Review standard operating procedures (SOPs) and reduce non-value-added activity. Consider changing workstation layouts, rearranging at-hand tools and equipment or other efficiencies. You may need to devise ways to mechanically transport products between workstations to ensure physical distancing.
  • Limit job rotation. Rotating jobs may lead to an increased spread of germs between common touchpoints. It also has the potential to increase the workplace injury rate because it increases the number of employees exposed to high-risk jobs.
  • Encourage breaks and limit overtime hours. Workers who have been inactive may need additional time for muscle recovery, and breaks will lead to less muscle fatigue and lower risk of injury. Employers should also consider having more employees work fewer hours, as opposed to having fewer employees work more hours.

A Builders Mutual essay about avoiding injury in heavy-lifting jobs says any company can benefit from starting each workday with a stretching program. “Ask your employees to break into crews and stretch for 5 to 10 minutes first thing every morning. … Light stretching of legs, arms and neck gets the blood flowing and loosens limbs to take care of tight muscles and reduce injury risk.”

Ergonomics for Reduction of Workplace MSD Injuries

Following the tips above will help to establish ergonomic standards in your workplace. Ergonomics is the science of fitting workplace conditions and job demands to the capabilities of the workforce. The Centers for Disease Control and Prevention (CDC) says that employers, employees and other parties working together with an understanding of ergonomics can design effective programs to prevent and minimize occupational musculoskeletal disorders.

OSHA says “implementing an ergonomic process is effective in reducing the risk of developing MSDs in high-risk industries as diverse as construction, food processing, firefighting, office jobs, healthcare, transportation and warehousing.” Reducing these work-related injuries ultimately reduces a business’s costs and losses.

OSHA offers a variety of ergonomic training resources online and can dispatch consultants from state agencies or universities to work with small and medium-sized businesses to identify workplace hazards, advise about compliance with OSHA standards and assist in establishing safety and health management systems.

Contact a Workers’ Compensation Lawyer If You’ve Been Injured on the Job

Workers who suffer occupational injuries or illnesses deserve to receive workers’ compensation benefits promised to them by Kentucky law without having to fight the insurance company while they are struggling with their injuries. At Morgan, Collins, Yeast & Salyer, our Kentucky workers’ compensation lawyers will fight for you.

Phone (877) 809-5352 or contact us online today to put our brand of Kentucky Courage™ and legal knowledge and experience to work for you.

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Thursday, September 3, 2020

Concussions and its Treatment are Evolving

The consequences of suffering a concussion have prompted considerable discussion in recent years. Less has been said about the changing understanding of how concussions should be treated. Medical professionals today prescribe more structured activity and put less emphasis on having a person rest after a concussion diagnosis. Neurologists are finding that patients experience concussions in different ways.

Concussions – mild traumatic brain injuries – are commonly suffered in slip-and-fall accidents, car accidents, and contact sports, among other incidents. The Brain Injury Alliance of Kentucky estimates that every year more than 1.2 million people suffer concussions. More than 40 people a day visit hospitals in Kentucky with symptoms of TBIs.

As brain injury lawyers in Kentucky, our attorneys frequently work with clients and the families of individuals who have suffered serious brain injuries in accidents. We’ve seen how victims of TBI recover, and we’ve assisted those who will have to adapt their lives to living with the long-term effects of a brain injury. We’re gratified when we see that medical science is finding new ways to help those with concussions and with more severe brain injuries.

What is a Concussion and What are its Symptoms?

A concussion is a mild form of traumatic brain injury (TBI) caused by a bump, blow, or jolt to the head. Concussions can occur from a fall or a blow to the body or violent shaking that causes the head to move rapidly back and forth. Doctors may describe these brain injuries as “mild” because concussions are usually not life-threatening.

The leading causes of concussion are:

  • Falls
  • Motor vehicle accidents
  • Unintentionally being struck by or against an obstacle
  • Assaults
  • Playing sports.

Typically, a concussion leaves the victim dazed and confused for a few moments. Sometimes, people will say the victim “got his bell rung,” referring to a few moments of ringing-like noise accompanying the confusion one might experience after a blow to the head. There may also be some memory loss about events just before and after the accident.

In most cases, a concussion does not cause a loss of consciousness, though if it does happen, the injury may still be diagnosed as a mild TBI.

Longer-lasting symptoms of a concussion are often grouped into four categories:

  • Cognitive (Thinking / Remembering)
  • Difficulty thinking clearly
  • Feeling groggy
  • Difficulty concentrating
  • Difficulty remembering new information

 

  • Physical
  • Headache
  • Nausea or vomiting
  • Balance problems
  • Dizziness
  • Fuzzy or blurry vision
  • Feeling tired, having no energy
  • Sensitivity to noise or light

 

  • Psychological (Emotional / Mood)
  • Irritability
  • Sadness
  • Nervousness or anxiety
  • More emotional reactions than usual

 

  • Sleep Disturbance
  • Sleeping more than usual
  • Sleeping less than usual
  • Trouble falling asleep

Anyone who suffers a blow to the head, especially one that knocks them unconscious or leaves them feeling groggy, should see a doctor right away.

A doctor may order a scan of your brain or may conduct neurocognitive tests to assess your learning and memory skills, your ability to pay attention, and how quickly you can think and solve problems.

While most patients are seen in an emergency department or a doctor’s office and sent home, some stay in the hospital overnight for observation.

A New Approach to Treating Concussions

kentucky head injury lawyerTraditionally, a patient with a concussion was prescribed days or even weeks of “complete bed rest with no bothersome stimuli to overexcite a healing brain,” writes Dr. Vernon Williams, a sports neurologist and founding director of the Center for Sports Neurology and Pain Medicine at the Cedars-Sinai Kerlan-Jobe Institute in Los Angeles.

Today, treatment usually includes a period of initial rest and a gradual return to activity in the shorter term. Newer research has demonstrated that the brain heals better with physical activity and movement – particularly for athletes, Dr. Williams says.

Baylor Scott & White Health, one of the largest not-for-profit health care systems in the United States, has adopted an “active recovery” approach to concussions. Within a structured behavioral plan and under the guidance of a concussion expert, therapists work to keep athletes as regimented as possible with a focus on regular sleep patterns, focused nutrition, adequate hydration, and decreased stress.

“After a brief rest period of about 24-48 hours in most cases, we also recommend a gradual return to normal activities, including school and physical activity, even when (the patient) may still be experiencing some concussion symptoms,” the health group says.

Meanwhile, the Centers for Disease Control and Prevention (CDC) has in recent years released new clinical recommendations for treating children with concussions and updated its mild traumatic brain injury guidelines for adults.

Dr. Williams, the sports neurologist, says the guidelines for children are evidence-based and represent a review of concussion literature consisting of some 37,000 articles published from 1990 to 2015. “Overall, the overwhelming theme of (the CDC’s) recommendations is that concussion or mild traumatic brain injury is ‘no big deal.’ Such incidents require evaluation and follow-up for the health of our young people,” he says.

AI’s role in Concussion Treatment

All those involved in student athletics in Kentucky are aware of the KY High School Athletic Association protocols for the treatment of concussions and suspected concussions during interscholastic play. The protocols require keeping a student-athlete off of the playing field after a possible or diagnosed concussion until a doctor clears the athlete to return. For many athletes, the waiting is the hardest part.

In another essay, Dr. Williams explains the exploration of using artificial intelligence and machine learning (AI and ML) to predict how long concussion symptoms will take to resolve based on combinations of symptoms present in injured high school athletes.

“We took three years of high school concussion data from high school athletes (mostly football players) who were diagnosed with a concussion and examined the effectiveness of using an algorithm to predict their concussion symptoms (headache, dizziness, and difficulty with concentrating) resolution time. … Even with the limited data set available, computer modeling was able to accurately predict symptoms associated with prolonged recovery after a concussion,” Williams writes.

Eventually, physicians will have access to larger data sets of concussion treatment and resolutions via an app or hand-held device. The data should improve the quality and accuracy of medical care relative to the treatment approach and predicted recovery, Williams predicts.

How a Kentucky Brain Injury Lawyer Can Help

kentucky brain and head injury lawyerAs medical technology for treating concussions advances, we can expect cutting-edge medical care to be more costly when it is available. At Morgan, Collins, Yeast & Salyer, our brain injury lawyers help patients who sustained head injuries caused by the negligence of others seek compensation for medical expenses and other losses. When necessary, we also work to make sure our clients are receiving the full medical care they need.

At Morgan, Collins, Yeast & Salyer, we bring you the Kentucky Courage needed to hold insurance companies accountable and seek full compensation for your injuries. Our goal is to help you get your life back on track without the burden of medical debt. Contact us today at (877) 809-5352 to put Kentucky Courage™ on your side.

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Wednesday, August 5, 2020

Benefits for Disabled Adults Living with Parents

Parents of adult children who are disabled and cannot care for themselves can turn to Social Security Disability programs for financial assistance. Supplemental Security Income (SSI) is a needs-based program for individuals who were never able to work for a living due to congenital or acquired disabilities. Many individuals who receive SSI payments are adults whose parents have obtained government assistance on their behalf.

An adult who had some years of employment before becoming disabled may qualify for Social Security Disability Insurance (SSDI) benefits. The SSDI program also pays benefits to individuals who become disabled in young adulthood, which are not dependent on a work record.

The Social Security Administration has several qualifications for each program, including requirements based on age and income. These are complex programs that can be difficult and time-consuming to enroll in, but the Kentucky Social Security Disability attorneys at Morgan, Collins, Yeast & Salyer can help.

We can handle the paperwork and legwork required to file a claim on your family’s behalf with respect and dignity. We can counsel you about technical steps that may be necessary to ensure that your adult child qualifies for benefits. Our disability attorneys can represent you at any hearings about your application.

If you live in Kentucky and have an adult child at home who can’t work for a living, call us today at (877) 809-5352 for your free consultation about SSI or SSDI payments your family has a right to benefit from.

SSI Payments for Disabled Children and Adults

The Supplemental Security Income program makes monthly payments to people with low income and limited resources who are disabled, 65 years old or older, or blind.

A child younger than age 18 may qualify for SSI if they have a medical condition or combination of conditions that meets Social Security’s definition of disability for children, and if his or her income and resources (i.e., family income and assets) fall within the eligibility limits. Upon reaching age 18, only the SSI recipient’s or applicant’s personal income, including any income from their spouse, is taken into consideration.

As of December 2018, there were more than 174,000 Kentuckians receiving SSI payments, of whom 24,552 were younger than 18 and 116,912 were age 18 to 64.

SSDI Adult Child Benefits

The Social Security Disability Insurance program pays benefits to individuals who become disabled before age 22. For a disabled adult to become entitled to this benefit, one of his or her parents must:

  • Be receiving Social Security retirement or disability benefits
  • Have died and have worked enough to qualify for Social Security.

These SSDI disabled adult “child” benefits continue as long as the beneficiary remains disabled.

As of December 2019, nearly 12.3 million people aged 18-64 were receiving Social Security disability benefits on the basis of their own disability.

Obtaining Social Security Disability Benefits for Your Adult Child

For a child younger than 18 to qualify for Supplemental Security Income, their medical condition(s) must be disabling or be expected to be disabling for at least 12 months, or the condition(s) must be expected to cause their death. They must also not be earning more than $1,260 a month or, if they are blind, $2,110 a month.

A few of the conditions that may qualify include:

  • Total blindness
  • Total deafness
  • Cerebral palsy
  • Down syndrome
  • Muscular dystrophy
  • Severe intellectual disability (child age 4 or older)
  • Symptomatic HIV infection.

At age 18, a child who is receiving SSI undergoes a medical review in which adult disability rules are applied to decide whether they remain eligible for SSI. For a person who is truly disabled, the main qualifier is their income and personal assets.

Income limits vary by state, and Kentucky sets a $522 monthly income limit for someone who gets help paying for food and lives at home. However, certain earnings are exempted from what counts as income.

Similarly, some resources don’t count toward SSI’s resource limit, like the home the applicant lives in and one vehicle. If the applicant’s disability began before they turned 26, they can open an ABLE account, which can hold up to $100,000 in resources that will not be counted as part of an SSI application.

You can apply for SSI for your child by visiting one of the more than two dozen Social Security field offices in Kentucky or by contacting the Social Security Administration by phone at 800-772-1213 or 800-325-0778 (TTY).

You must be prepared to document your child’s medical condition, including records of medical tests, prescriptions, and an explanation of how the medical condition affects your child’s daily life. You’ll need to provide names, addresses, and phone numbers of doctors, therapists, hospitals, clinics, and others who have treated your child.

You’ll also be questioned and asked for proof of any savings, stocks, bonds, real estate, or other resources held in your child’s name.

You will also need to provide documents that show:

  • Proof of your child’s birth or adoption
  • Proof of your child’s U.S. citizenship or lawful residency status
  • Your child’s Social Security number
  • Proof of any earnings your child had in the prior year, e.g., a W-2 form
  • Information about other benefits your child receives
  • Information pertaining to your bank account, so you can enroll in direct deposit

If your child is older than 22, you must complete the Adult Disability Report and the Authorization to Disclose Information to the Social Security Administration.

Contact a KY Disabled Adult Child Social Security Benefits Lawyer Today

mckinnley morgan with clientApplying for Social Security benefits always requires gathering and providing documentation to demonstrate the applicant’s eligibility, as well as answering questions and completing forms. Errors or omissions can stall an application and delay needed payments.

At Morgan, Collins, Yeast & Salyer, our disability benefits attorneys can help you throughout the entire process of compiling and submitting an application for SSI or SSDI benefits for your child and represent you at a hearing if the claim has been denied. We can take this burden off of you and ensure it is done right the first time.

Contact us today to schedule your free consultation about how we can assist with your child’s disability benefits application.

 

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Sunday, June 21, 2020

Are Kentucky Roads More or Less Safe Due to the COVID-19 Pandemic?

A recent report in the Lexington Herald-Leader says one bright spot in the COVID-19 pandemic has been fewer fatal car accidents on Kentucky highways this year, due to the state’s three-month lockdown.

Kentucky highway fatalities this year are the lowest they have been in five years, according to the newspaper’s June 11 report. The 258 highway fatalities reported by Kentucky State Police this year reflected a 16 percent drop compared to the 306 recorded by the same date last year.

Traffic on Kentucky Roads During the Coronavirus Pandemic

Kentucky Gov. Andy Beshear shut down businesses and public activities in March due to the spread of COVID-19, and highway traffic immediately fell.

“Similar to nationwide trends, traffic volumes decreased as Kentuckians followed state and national guidance by telecommuting, avoiding crowds and limiting trips to essential travel,” Chuck Wolfe, a spokesman for the state Transportation Cabinet, told the Herald-Leader. “The first recorded traffic count drop we saw began the week of March 8 and traffic counts have been lower each week since when compared with the counts from the corresponding weeks in 2019.”

Weekly traffic counts in Kentucky during the economic shutdown declined by a range of 18 to 41 percent.

As stay-at-home restrictions have begun to ease and some businesses have been re-opening, traffic has climbed. The state allowed some health care services and facilities to re-open April 27. For the week starting Sunday, April 26, traffic was down 33 percent compared to 2019. More businesses reopened May 11 and Kentucky’s highways got busier. The traffic volume count was down only 26 percent the week of May 17, according to the Herald Leader’s count.

Road Safety on the Nation’s Highways

Kentucky’s decrease in traffic deaths in early 2020 puts the Commonwealth ahead of the nation for the first third of the year.

Nationwide, deaths on the road are up an estimated 2 percent through the first three months of 2020 compared to last year, a National Safety Council (NSC) news release says.

The NSC calculates a 14 percent jump in fatality rates per miles driven in March across the U.S., in spite of an 8 percent drop in the total number of roadway deaths compared to March 2019.

“Disturbingly, we have open lanes of traffic and an apparent open season on reckless driving,” Lorraine M. Martin, NSC president and CEO, says in the release.

“Anecdotal reports indicate speeding, for example, has increased significantly since traffic diminished,” the NSC says. “Some states are also moving forward with ill-advised roadway tactics intended to address the COVID-19 pandemic … that could have far-reaching consequences. Among them are repealing requirements for teen drivers to pass road tests before acquiring licenses and relaxing hours-of-service rules for commercial vehicle (truck) drivers.”

Nationally, the transportation-data firm Inrix said travel had the largest rebound of the COVID-19 pandemic during the week of May 16 to 22. Personal travel was down 19 percent for the week compared to typical traffic vs. 25 percent below normal the week before.

At its worst fall-off nationwide, personal travel was down 48 percent the week of April 4 to 10.

As traffic increases, reckless driving is increasing. Data analytics company Zendrive titled a May report “Mobility Amidst Lockdown: Every Minute on the Road is Riskier.” From March 16 to April 19, Zendrive found a 27 percent increase in speeding, a 25 percent rise in hard braking and a 38 percent increase in cell phone use among drivers compared to the five weeks prior to the nation’s first stay-in-place order.

“With the decline in traffic, some drivers saw empty highways as an open invitation to speed while being distracted by their phones,” the Zendrive report says. “With the increased desire to stay informed about the evolving circumstances and the well-being of loved ones, people are interacting with their phones more than ever. As a result, phone usage while driving has increased dramatically.”

Exercising Caution on the Roads During the Coronavirus

To help ensure safer roads, the NSC urges motorists to:

  • Follow state and local directives and stay off the roads if officials have directed you do to so. Many states continue to ask drivers to stay home except in emergency situations or for essential errands. Gov. Beshear’s “Ten Rules to Reopening” begin with 1) Continue telework where possible, and 2) Phased return to work.
  • Obey speed limits, even if roads are clear and traffic is light.
  • Be aware of increased pedestrian and bicycle traffic as people turn to walking and biking to get out of the house during the pandemic. Conversely, pedestrians and bicyclists should remember that reduced traffic does not mean no traffic and should use caution when crossing or walking in streets.
  • Practice defensive driving: Buckle up, designate a sober driver or arrange alternative transportation, get plenty of sleep to avoid fatigue, and drive attentively, avoiding distractions – such as cell phones.

Contact a KY Car Accident Attorney

Increased traffic on the roads as Kentucky re-opens is bound to lead to more car accidents. If you are injured in a car accident caused by someone else’s negligence or recklessness, you have legal recourse. You may have a right to seek compensation for your medical bills and other losses, including your pain and suffering. A car accident attorney at Morgan, Collins, Yeast & Salyer in Kentucky can help you evaluate your legal options.

We’ll demand full compensation for your losses and stand by your side and fight for you to receive every penny you deserve. That’s Kentucky Courage.

Contact Morgan, Collins, Yeast & Salyer at (877) 809-5352 to set up a free legal consultation. Find out how Kentucky Courage can help you make yourself financially whole after a serious car accident. We have eight offices across Kentucky to serve you from. Call now.

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Thursday, June 4, 2020

Kentucky Goes Further in Guaranteeing COVID-19 Workers’ Comp Claims

Kentucky is a leader among more than a dozen states that are guaranteeing workers’ compensation payments to certain workers who have contracted the COVID-19 coronavirus while on the job.

Gov. Andy Beshear issued an executive order on April 9 that paves the way for immediate temporary total disability payments (TTD) to covered employees “removed from work by a physician due to occupational exposure to COVID-19.” Typically, a worker must be out of work for eight days before being eligible for temporary disability benefits for each lost day of work afterward.

Claims Journal, an insurance industry publication, says at least 14 states have issued administrative orders or legislation requiring that workers who claim they were sickened by COVID-19 receive a fair hearing, if not an outright presumption in their favor when it comes to workers’ compensation claims for coronavirus.

While most orders refer to healthcare workers, emergency responders and certain other front-line workers, Claims Journal declares in a separate article that, “Kentucky Gov. Andy Beshear pushed the envelope furthest” in making workers’ comp benefits available. He extended the presumption of eligibility for workers’ comp benefits related to Covid-19 to include workers in grocery stores, child care centers and domestic violence shelters and other occupations.

Under Beshear’s executive order, Kentucky’s workers’ compensation program will presume that a physician’s order that an employee not report for work is due to occupational exposure to COVID-19 if the employee is an:

  • Employee of a healthcare entity
  • First responder
  • Corrections officer
  • Grocery worker
  • Postal Service worker
  • Military service member
  • Activated National Guard member
  • Domestic violence shelter worker
  • Child advocacy worker
  • Rape crisis center staff member
  • Department of Community Based Services worker
  • Childcare worker permitted by the Cabinet for Health and Family Services to work in a limited duration center during the coronavirus state of emergency.

Essentially, if you or a loved one work in one of these occupations in Kentucky, all you may need is a doctor’s note to qualify for immediate workers’ compensation benefits. Others are to receive benefits if there is a causal connection between the conditions under which the work is performed and COVID-19 and it naturally follows that exposure to coronavirus is a result of job duties.

If your employer or its insurance company balks at paying you workers’ comp benefits you qualify to receive, an experienced workers’ compensation lawyer at Morgan, Collins, Yeast & Salyer can help. Contact us today. We can give you the Kentucky Courage you need to fight employers and insurers who try to withhold benefits provided by law.

Understanding Workers’ Compensation And Illness Benefits

Workers’ compensation is state-mandated no-fault insurance coverage that most businesses in Kentucky are required to have to protect employed full- and part-time workers in Kentucky. The primary workers’ comp benefit for a worker who has become ill on the job is payment of all medical costs and partial replacement of lost wages. Workers’ comp pays a portion of lost wages and other benefits for specific disabling illnesses or injuries.

If you suffer from an occupational illness and are employed in Kentucky, under most cases you should never see a bill or make a co-pay for medical care related to that illness. All medical payments for work-related injuries and illnesses are the responsibility of your employer and will typically be paid by a workers’ compensation insurer.

Kentucky workers receiving workers’ compensation benefits also have the right to select a doctor to care for them without input from their employer. In many states, the employer chooses the employee’s doctor or offers several approved providers to choose from. But a Kentucky worker can choose their primary care provider, and that physician may also refer the employee to additional medical care providers, if necessary.

Some employees receive medical care through a managed care program offered by their employer’s healthcare insurance program. In these cases, an ill employee receiving workers’ comp would be required to choose an in-network physician as their primary care provider. However, the employee would still be allowed to seek a second opinion from an out-of-network doctor for major recommendations, such as surgery, and workers’ comp should pay for it.

How Do You Know If You Have A Legitimate Case For Workers’ Compensation?

If you work in certain occupations in Kentucky during the coronavirus pandemic and are told by a physician to stay out of work, you are to be presumed to be out of work because of an occupational exposure to COVID-19. This makes you immediately eligible for workers’ compensation benefits.

Guidance from the Kentucky Labor Cabinet says an employer can only deny payment of benefits if the employer has evidence “forming a good faith basis for denial.” For example, the guidance says, “if a grocery worker’s spouse tests positive for COVID-19 and the worker is removed from work solely due to that exposure, the employer may deny the claim since the evidence rebuts the presumption that the exposure was occupational.”

If you are employed in another occupation not listed above and have been diagnosed with COVID-19 or directed to self-quarantine by a physician due to exposure or potential exposure to COVID-19, you will need to demonstrate an occupational connection to the exposure to qualify for workers’ comp benefits. The employer or the workers’ comp insurer is supposed to promptly investigate the claim and may deny payment if there is a good faith basis for doing so. The Labor Cabinet’s example of a deniable claim is a physician’s order that lacks an explanation for occupational exposure.

Gov. Beshear’s order greatly reduces the burden for establishing occupational exposure by requiring only a “casual connection” between your work and a COVID-19 exposure that could naturally occur due to the nature of the work. An example might be additional diagnoses of COVID-19 among your co-workers or a client or customer who could be identified and whose proximity to you or your workstation could be established.

The KY Labor Cabinet applies the expansion of workers’ compensation rights retrospectively to April 9, 2020. It should be understood that any workers’ comp benefits for lost wages may be offset by unemployment benefits received during the same period or by any money received as paid leave under the federal Families First Coronavirus Response Act.

Let Our Lexington, KY, Workers’ Comp Lawyers Help

Kentucky workers have certain rights to workers’ compensation benefits during the COVID-19 coronavirus pandemic. If your employer tries to deny the benefits that you are eligible to receive by law, an experienced workers’ compensation lawyer from Morgan, Collins, Yeast & Salyer can give you the Kentucky Courage you need to stand up and fight for the full benefits available by law.

Don’t fight alone. Contact us today to set up your free legal consultation. We will not charge you a legal fee if we do not recover money for you.

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Monday, May 18, 2020

Attorneys McKinnley Morgan and Roy Collins Mark 20 Years of Kentucky Courage

It’s time for a celebration. Lawyers Roy Collins and McKinnley Morgan are celebrating a milestone— 20 years of practicing law together. The two partners at Morgan, Collins, Yeast & Salyer recently reminisced about their longstanding partnership that has provided Kentucky Courage to so many people struggling to overcome serious injuries.

Before Roy Joined McKinnley

Today, the law firm has eight offices in cities and towns across Kentucky. Back in the early days, McKinnley and his then-law partner, Rickey Bailey, practiced law in the eastern Kentucky counties of Clay and Leslie.

Roy entered the picture when he graduated from law school and took a job with a Laurel County insurance defense law firm. Roy was on the opposite side in several car wreck cases where McKinnley and Bailey represented the accident victims. Asked who won those cases, Roy replied: “It wasn’t a matter of winning. It was a matter of not losing as much as they wanted.” No matter which side won or lost, Roy made a strong, positive impression on McKinnley.

“My deal always was to try to grow a practice by learning who was on the other side of cases,” McKinnley said. “Roy was there working hard for less than I thought Rickey and I could afford to pay him. He was doing a good enough job that we decided to steal him.”

Roy Joins McKinnley’s Law Firm

Roy joined McKinnley’s law firm as an associate in April 2000. His role in the firm changed dramatically when fate intervened. Roy recalled, “I’d been there about three months when we got a telephone call, late Saturday night or early Sunday morning, that Rickey Bailey, McKinnley’s partner, had been killed in an ATV crash.” The tragic accident occurred on July 16, 2000.

“Three or four days later, McKinnley and I had dinner, walked down his driveway and shook hands on a deal,” Roy said. “And that has been our deal ever since.”

McKinnley now focuses on workers’ compensation and Social Security cases, while Roy handles personal injury matters. However, in the early days, the two handled cases together. Their first case together was a medical malpractice case – and a memorable one at that.

McKinnley and Roy’s First Case as Partners

The two lawyers went to visit a client who was injured during a gallbladder operation. “The lady was hallucinating,” said McKinnley. “She was seeing folks that weren’t there. “Her sister’s name was Elizabeth,” recalled McKinnley. “I asked her, ‘Have you seen Elizabeth recently?’ She said, ‘I sure have. The night before last. She was standing at the foot of my bed.’ Roy and McKinnley both knew that Elizabeth had been dead for 10-15 years.

“The woman had developed an infection that had caused her to hallucinate,” Roy said. “The infection was caused by a gallbladder operation where the surgeon nicked her bowel but failed to recognize it. She became septic and had all sorts of issues.” Roy and McKinnley took the woman’s case to trial and won a seven-figure verdict.

Thus began the legal bond that has lasted for 20 years — and counting. In today’s legal world, where lawyers often come and go, the length of time Roy and McKinnley have been together is nothing short of a true accomplishment. “I don’t know of another plaintiffs’ group that has made it for 20 years,” Roy said. “I don’t either,” McKinnley said.

How have they done it? The two partners say they have learned how to settle their own differences.

“When any situation arose that we needed to talk about, we could lock the door, cook dinner, resolve it and move on,” McKinnley said. “That’s happened several times. There’s nobody that will be a partner in business for 20 years and not have a disagreement.”

Roy also gives credit to the strength and tenure of the firm’s support team. “We’ve got some key staff that were here when I came,” Roy said. “We’ve got a core group of folks, and a couple of them have been here more than 25 years. They have helped us immensely. “We can’t be too bad of folks if we can keep people around for 25 years,” Roy added.

Roy and McKinnley said they sometimes differ on their legal philosophies. “In the workers’ comp arena, the rules are more relaxed and not as rigid as the civil world,” McKinnley said. “Roy thinks I let the defense get away with murder in many cases.” Said Roy, “I guess it’s not as much a legal philosophy as it is a business philosophy. We both agree that if you take care of the client, they’ll take care of you. If you take the time to talk to these folks and treat them like human beings – and not like a number – that will pay dividends greatly.”

Shared Goals and Success

The two lawyers say they share simple goals. “The first common goal we have is to try to get people as well as they can get medically,” McKinnley said. “Our second simple goal is to get as much damn money as we can for our clients.” Not surprisingly, the law firm has earned a stellar reputation. “We have represented four or five generations of families,” Roy said. “We’ve been with them so long that now they invite us to the family reunion.”

With success, the firm has expanded and added more attorneys and partners, allowing it to serve more clients. Asked what the gift is for the 20-year anniversary, McKinnley quipped: “It’s a bottle of Old Pogue.” Old Pogue is a premium brand of Kentucky bourbon whiskey.

Now that the lawyers have been together 20 years, what will the next 20 years look like?

“I’m going to be fishing,” McKinnley said.

“I hope to be right there with him fishing, too,” Roy said.

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Thursday, May 7, 2020

Car Accidents and Auto Insurance in the Age of Coronavirus

Many people out of work because of the COVID-19 coronavirus shutdown are taking delivery driver jobs that could run afoul of auto insurance policies if they get into a car accident. You may need a commercial car insurance policy to cover an accident you get into while on the job working as a delivery driver.

If you start driving as a job and don’t inform your auto insurance company, a future car accident claim could be denied. On the other hand, some insurers are extending coverage to policyholders who use their personal vehicles for delivery jobs during the COVID-19 pandemic.

The bottom line is that you need to know what your auto insurance covers if you change how you use your vehicle. Unless you are a lawyer with insurance law experience and understand the details of your auto liability policy, you should contact your insurer to confirm your coverage. We suggest getting any approvals or guarantees in writing.

If you have been injured in a car accident while working as a delivery driver, you should speak to a lawyer experienced with car accidents, workers’ compensation, and insurers acting in bad faith. In Kentucky, that’s Morgan, Collins, Yeast & Salyer, experienced and dedicated injury attorneys backed by Kentucky Courage.

Does Auto Insurance Cover a Delivery Driver During COVID-19?

The COVID-19 virus does not change your auto insurance coverage, but your driving habits might change.

If you have begun a new job that requires you to use your own vehicle, such as work as a delivery driver, your auto insurance may not cover you while you are on the job. Auto insurers charge more for commercial driving policies than for personal use of a vehicle because commercial drivers spend more time on the road, which increases their risk of an accident.

You should contact your insurer and ask about obtaining a special business use endorsement on your car insurance policy if you have taken on part-time or full-time delivery driver work. This applies to any kind of commercial delivery, from pizza to packages to prescription drugs.

In light of COVID-19 restrictions and the uptick in delivery jobs, several insurance companies are extending coverage to customers who are using their personal vehicles to make deliveries of “essential items,” such as restaurant take-out meals, groceries, pharmacy products, and medical supplies. According to CarInsurance.com, participating insurance companies include:

  • AAA
  • Allstate
  • Farmers Insurance
  • Liberty Mutual
  • Met Life
  • Nationwide
  • Progressive
  • Safeco (a Liberty Mutual subsidiary)
  • Travelers
  • USAA

But don’t assume your insurer will cover you. Contact them to make sure.

In some cases, the business you work for may offer auto insurance that covers you while you’re making deliveries, which you can get in addition to your own coverage. Ask about it.

Does KY Workers’ Compensation Cover a Delivery Driver During COVID-19?

workers compensation claimWorkers’ compensation is state-mandated no-fault insurance coverage that most employers in Kentucky are required to provide for their full- and part-time employees. Workers’ comp provides benefits to workers who are injured or become ill because of their job duties, including payment of medical expenses and a portion of their lost salary.

If you are employed as a delivery driver and are injured in a car crash or other type of accident while making deliveries as part of your job, you should qualify for workers’ compensation benefits. This includes a car accident, a slip-and-fall accident while walking a delivery to the recipient’s door and a dog bite during a delivery. Your main task to obtain benefits is to demonstrate that you were on the job when injured.

Whether the treatment for COVID-19 contracted while on the job as a delivery driver is covered by workers’ compensation is an open question. Some in the insurance and legal fields are arguing that because COVID-19 is a pandemic, getting it cannot be shown to be a workplace injury.

Our workers’ compensation attorneys would argue that you do qualify for benefits as an employee of a life-sustaining retail business exempted from Kentucky’s emergency closure order. You had a greater risk of exposure to the coronavirus through your job duties than other Kentucky residents remaining at home under stay-at-home orders.

If you believe you have a case of COVID-19 coronavirus that you contracted while on the job and/or because of your assigned job duties, you should notify your employer as soon as you or someone assisting you can. It’s entirely possible to file a legitimate workers’ comp claim and have it denied or challenged by your employer or the employer’s workers’ comp insurance administrator. If that happens, you should contact an experienced workers’ compensation attorney. It takes Kentucky Courage to stand up for yourself and keep fighting when your claim has been turned down. Let us help.

Contact Our Kentucky Courage Legal Team

There is no excuse for insurance companies, employers, policymakers or anyone to use the COVID-19 pandemic as an excuse to deny benefits to individuals hurt in accidents during the lockdown or who have contracted the virus while working. The personal injury attorneys of Morgan, Collins, Yeast & Salyer will help you fight for benefits and other insurance compensation you are due.

Our team of attorneys pursues full compensation for clients like you through personal injury claims, workers’ compensation, third-party work injury lawsuits, and Social Security Disability benefits. That’s Kentucky Courage – when our neighbors stand up for what they deserve, and we join them in the fight for what’s right.

The law firm of Morgan, Collins, Yeast & Salyer has eight offices across Kentucky. During this time of crisis, we are serving you remotely as well. Contact us today at (877) 809-5352 or online for a free, no-obligation consultation if anyone is challenging your rights to compensation for an injury or illness suffered on the job or through no fault of your own.

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Tuesday, April 21, 2020

How to Keep Up with Your Medical Care During the COVID-19 Shutdown

Individuals with ongoing medical needs may be concerned about obtaining medical care during the COVID-19 pandemic. Any patient seeking medical care should know that medical offices are essential businesses and are exempt from Kentucky Gov. Andy Beshear’s order closing all non-life-sustaining businesses.

Medical professionals are expected to practice safety protocols, such as social distancing. You can get the medical care you require in Kentucky without unnecessary risk of exposure to the COVID-19 coronavirus.

At Morgan, Collins, Yeast & Salyer, our attorneys represent clients who have suffered a personal injury or workplace injuries, and for whom receiving ongoing medical care is often a necessity. The Kentucky personal injury and workers’ compensation lawyers of Morgan, Collins, Yeast & Salyer stand beside you during this trying time with the Kentucky Courage we bring to the table as your attorneys. If you need our help, don’t hesitate to contact us at (877) 809-5352 or online.

What to Expect from Doctors During the COVID-19 Shutdown

The Centers for Disease Control and Prevention (CDC) has issued guidelines for all U.S. healthcare facilities to respond to community spread of the COVID-19 coronavirus. “Community spread” refers to the presence of the virus in a specific area, including among some people who are not sure how they became infected.

The CDC reaffirms that maintaining a functioning healthcare system is of paramount importance. “It is critical for healthcare facilities to continue to provide care for all patients, irrespective of COVID-19 infection status, at the appropriate level, whether that involves home-based care, outpatient treatment, urgent care, emergency room care, or hospitalization.”

The CDC is advising medical offices to explore alternatives to face-to-face triage and visits. This includes:

  • Instructing patients to use available patient portals, online self-assessment tools, or to call and speak to an office/clinic staff member if they have coronavirus symptoms, such as fever, cough, or shortness of breath.
  • Identifying staff to conduct telephone and telehealth interactions with patients. Medical offices are to develop protocols so staff can assess patients quickly.
  • Determining measures to identify which patients can be treated by telephone and which patients will need to be seen at the doctor’s office or at emergency care.
  • Instructing patients that if they have respiratory symptoms they should call before they leave home, so staff can be prepared to care for them when they arrive.

The Kentucky Medical Association is urging physicians to follow guidance from the CDC and the Kentucky Cabinet for Health and Family Services. A major initiative of the KY Cabinet is to promote the adoption of telehealth services across the Commonwealth.

‘Telehealth’ Technology Increases Remote Medical Care Options

Telehealth” is the use of electronic information and telecommunications to support long-distance clinical health care, patient and professional health-related education, and public health and health administration. Technologies include videoconferencing, store-and-forward imaging, streaming media, and wireless communications.

In normal times, telehealth can connect patients who live in rural areas to services offered by distant providers. This capability enables patients to receive care in their communities and avoid long travel times. Today, telehealth allows all of us to stay at home and receive care we need without exposure to COVID-19.

Many healthcare organizations are already set up to provide telehealth. All a patient needs to use telehealth services is a stable internet connection and a computer, tablet or smartphone. Hospitals, clinics, doctors’ offices and other healthcare providers are all bound by the same requirements as in face-to-face visits to keep your health information safe.

Medicare, Medicaid, and the Kentucky Department of Insurance have authorized the increased use of telehealth services under COVID-19 prevention protocols. Medicare has specific services that may be offered via telehealth. The Kentucky telehealth law requires Medicaid and managed care organizations (MCOs) to cover medical services provided via telehealth to the same extent they cover medical services provided in-person.

The KY Department of Insurance prohibits insurers from requiring that a patient have a prior relationship with the provider in order to have services delivered through telehealth, if the provider determines that telehealth would be medically appropriate.

Under emergency rules, the following services are permissible as telehealth services or as a telecommunication-mediated health service:

  • Applied behavioral analysis
  • Behavior supports and counseling services
  • Case management
  • Certified alcohol and drug counselor (CADC) counseling
  • Comprehensive community support services
  • Day treatment
  • Early and Periodic Screening, Diagnostic, and Treatment (EPSDT) benefit services
  • Group outpatient therapy
  • In-home services, such as personal care or homemaking
  • Intensive outpatient program services
  • Mobile crisis services
  • Partial hospitalization
  • Peer support services
  • Physical, occupational and speech therapy
  • Prosthetic and orthotic services
  • Service planning
  • Supported employment
  • Therapeutic rehabilitation program.

The U.S Department of Veterans Affairs is also expanding its telehealth services for veterans during the COVID-19 pandemic.

Support Yourself During Social Distancing, Quarantine and Isolation

This is a stressful time for all of us. Everyone reacts differently to stressful situations, and no one truly knows what to expect from an infectious disease outbreak that requires social distancing, quarantine or isolation.

Here are some tips for coping from the CDC and from the Substance Abuse and Mental Health Services Administration (SAMHSA):

  • Stay up to date on what is happening. Look to credible sources for information on the infectious disease outbreak, such as the CDC or the official Team Kentucky source for information concerning COVID-19.
  • Take care of your physical health. Try to eat healthy and well-balanced meals, exercise regularly and get plenty of sleep. Now and then, stop to take deep breaths and stretch. Avoid alcohol and drugs.
  • Stay connected to others. Use the telephone, email, text messaging, and social media to connect with friends, family, and others. Talk “face to face” with friends and loved ones using Skype or FaceTime.
  • Take breaks from watching, reading or listening to news stories, and especially from social media. Hearing about the pandemic repeatedly can be upsetting.
  • Arrange for your needs. Inform health care providers of any medications you need regularly and work with them to ensure that you continue to receive those medications. Ask your health care providers about telehealth capabilities, or social distancing and other safety protocols if you are to make office visits. Provide your employer with a clear explanation of why you are away from work, if necessary.
  • Reduce financial stress. Contact your utility providers, cable and Internet provider, landlord or mortgage banker, and other creditors as soon as you realize you may have a problem making payments to explain your situation and request alternative arrangements.
  • Reach out. Call SAMHSA’s free 24-hour Disaster Distress Helpline at 1-800-985-5990 if you feel lonely or need support. If you need to connect with someone because of an ongoing alcohol or drug problem, and are not already in a 12-step program, consider contacting a local Alcoholics Anonymous or Narcotics Anonymous

The COVID-19 hotline at (800) 722-5725 is a service operated by the healthcare professionals at the KY Poison Control Center who can provide advice and answer questions. Because the phone line is likely to be extremely busy, check online for the answer to general questions before calling.

The post How to Keep Up with Your Medical Care During the COVID-19 Shutdown appeared first on Morgan, Collins, Yeast & Salyer.



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