Accident Fund Insurance Company of America: Beware the “Stokes” exam

Michigan lawyer explains how a shoulder injury that happened at work is covered under workers compensation.

We see many individuals who have suffered a shoulder injury at work and are denied workers compensation benefits. These injuries tend to occur from lifting or repetitive arm activities.  This is especially true for individuals who do throwing and overhead work.

Insurance companies frequently dispute these types of shoulder injuries because of incidental findings of arthritis. Almost everyone has some arthritis and it does not mean that you did not suffer a real injury at work.

Watch out for increased pain symptoms and report any injury when it occurs. You may have developed a torn rotator cuff or a torn labrum.

Workers compensation is available for shoulder injuries in Michigan

You are entitled to prompt medical care for your shoulder injury. Some individuals heal with just physical therapy while others need surgery. All reasonable and necessary medical treatment should be paid under workers compensation.

You are also entitled to wage loss benefits if you miss work because of your shoulder injury. You will get approximately 80% of your average weekly wage for as long as you cannot work.  Discontinued fringe benefits can also be included under certain circumstances.

Beware of insurance companies who don’t want to take responsibility

Insurance companies will dispute workers compensation claims just to save money.  You may even be sent to one of their doctors for an independent medical examination (IME).  Find a doctor that you trust and get appropriate medical care.

We recently represented an individual from Mount Clemens, MI who had developed a labral tear from throwing carpets into a bin. She was denied workers compensation benefits and told to use her own health insurance for medical treatment. This resulted in her having thousands of dollars in co-pays and other out-of-pocket expenses. We were able to settle her workers compensation case so that she got her wage loss benefits and reimbursement for her medical expenses.

To speak with one of our workers comp attorneys, call (855) 221-2667 for a free consultation. There is no fee unless workers comp benefits are recovered for you. Don’t let the insurance company deny your workers compensation benefits.

Alex Berman is the founder of the law firm. He’s been representing injured and disabled workers exclusively for more than 30 years.  Alex has helped countless people obtain workers compensation benefits and never charges a fee to review a case.

Related information:

Advice from your workers comp attorney: How much wage loss can I collect in Michigan?

You can afford a great workers compensation lawyer!

 – Photo courtesy of Creative Commons, by Orin Zebest.

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