“What is left over after everyone is paid?” This is the foremost question on most folks mind while discussing a settlement or proceeds after a jury verdict.
Many health care providers require a lien to protect them if you do not have funds or insurance to pay them. This helps keep their bills from going onto your credit report and allows you to obtain the care you need to continue your recovery.
Every private and governmental health care payer, including Insurance Companies, Blue Cross Blue Shield (BCBS), Tricare, Medicare, Medicaid, Social Security Disability, Florida Workers Compensation, Federal Workers Compensation, and others have a contract or statutory law with strict guidelines for reimbursing them.
In a recent case, BCBS had paid out over two million dollars in health care expenses. In addition to that, our client was picked up for Social Security Disability, which has a statutory lien to be reimbursed for what they have or will pay out over her lifetime. In the underlying medical malpractice case, the doctor only had one million dollars in total coverage.
“Who gets paid what?” “Is there any way to help the client?” The answer is yes, but it is complicated with minefields everywhere. One misstep will expose the client and the lawyer to possible civil suit for multiples of the lien amounts due under the recovery. This is an obvious source of distress for any person injured by the neglect of another.
In spite of the mountains we are all required to climb, our legal team works with everyone involved under specific rules, regulations, guidelines, and communication to ensure that everyone is protected.
One of the most unexpected challenges of people injured, through no fault of their own, is finding a health care provider they know to treat them. Often their personal physicians are not comfortable caring for them after a crash or work injury, despite having cared for them previously. Your health care provider may look for someone to hand you off to at your first visit, or shortly thereafter. This can be very stressful.
Our legal team is available to assist your physician in navigating the waters they are not comfortable with. Dan’s office has developed a working relationship with a wide group of health care specialists in Northwest Florida. Our nurses are available for questions, help you understand your medical records, and discuss your doctor’s notes with you.
Our team also has wide experience in working with health care providers. We work to help them understand the complexity of the care provided by all your treating physicians.
We will furnish you with a plan to stay in touch and notify us immediately of any change in your health care.
Paying medical bills can also be a stressful problem. Medical bills are a separate group of documents than your medical records. They often provide detailed information about billing and care. We address your concerns by routinely communicating with your health care providers and health care payers. This helps the right hand know what the left hand is doing.
If possible, we also work with the office providing the care to help you continue treatment when your insurance is exhausted. We understand the importance of keeping bills from being on your credit report. It is a complete insult to your dignity when this happens. Being punished for bills, not of your own making, is stress some insurance companies want you to have. Our team works very diligently to eliminate that stress.
Our team is available to answer any questions you may have, including where to obtain the care ordered and how to pay for it.
Please do not hesitate to contact our office as often as you need with any questions you have in this regard. It is our goal to keep your care and treatment moving forward as quickly as possible. This also helps you return to full function and health ASAP. If your care and treatment are not able to restore your full function and health, our goal is to limit the harm caused as much as possible.
To say that workers compensation, law, time limits, evidence, burden of proof, requirements to make a claim, procedure to follow, treatment requirements, and management are a minefield, is an understatement. The Florida Legislature controlled by insurance companies has limited benefits available to injured workers over a dozen times since Dan has been representing workers compensation claimants.
This is one area of law that Dan has limited his practice. He limited this primarily due to the amount of clients he is helping in the other areas of his practice.
Because of Dan’s unique experience, he routinely talks to people who are injured at work, helps them navigate the process, obtain an attorney if needed, and represents them in a claim against any “third party” who injured them.
There are many specific requirements in relationships between workers compensation and civil claims. This includes reimbursement and settlement provisions of Florida Statutes. Dan is able to use his unique background and experience to help navigate and bring to a conclusion both the civil and workers compensation claim. Workers Compensation Insurance Companies and defense attorneys know that Dan does not “walk away” from helping people injured at work. After obtaining 100 percent of the workers compensation benefits available under the law for people injured at work, Dan has continued to help many navigate the system for over twenty years before the claim is settled and continued to protect his clients despite being paid nothing until their claim settled.
You have been harmed through no fault of your own from an automobile crash, tractor-trailer crash, medical malpractice, social security, slip and fall, work injury, or nursing home neglect. Your life has been impacted by another.
“How did this happen to me?” “What should I do now?” “Who should I talk to?” “Who can I trust?” “What rights do I have?” “What does the law say about everything?” “What does my insurance contract say about everything?” “What should I do?”
Dan has been answering questions like these from thousands of injured persons. We have tried to jury verdict cases involving each of the above. Dan has personally helped thousands of families who have been injured or harmed by another and worked with lawyers from around the State of Florida and the United States on cases involving each of the above. Dan has been active in providing presentations to other attorneys and has learned from their presentations and work. He has also actively worked with senior insurance adjusters around the United States who have provided valuable insight into how to best present your claim.
For over two hundred years, our system of laws has as its foundation, the enjoyment of life and the protection of that enjoyment noted in our Declaration of Independence. Over the last thirty years, insurance companies and others have spent billions of dollars in advertising, research, and political contributions to degrade those fundamental foundational freedoms for their personal benefit. They have waged a full frontal attack and they are unrelenting. They see this as justified by increasing riches to them and enough is never enough. “Billions” is never enough “billions”. “Less for you” is never enough “less for you.”
While laying minefields hoping you will make a misstep and devastate your life, their efforts have both complicated and limited your rights.
Through Dan’s office, procedures and plans are in place to both protect you, and if needed, to punish those who do not act fairly and honestly to address your harms and losses. These procedures and plans involve your active participation. Active communication with you guides a team approach to working together in order to build a wall of protection around you and advance your claims timely and completely.