When the  Missouri Legislature passed “Work Comp” reform in 2005 the goal was to payback insurance companies and business groups for their support. The winner always gets the spoils, but this time fairness and common sense had to take a far back seat to expediency. Older workers were punished -for aging!!  Section 190, subsection 3 states that ”Any award of compensation shall be reduced by an amount proportional to the permanent partial disability determined to be a preexisting disease or condition or attributed to the natural process of aging sufficient to cause or prolong the disability or need of treatment. Reduced by “the natural process of aging!” Believe it or not,the intent of the legislature was to punish workers for the natural aging process.

When do we punish people for aging? From the age of 35? What about 20? Why doesn’t a worker get a bonus for healing faster, if he is young? Every middle aged worker is going to have some arthritis, or may have diabetes or some frailness as time goes on. Now the older worker is to be penalized if his “natural aging” prolongs his disability or treatment. So if you don’t bounce back at 50 the way you did when you were 25 because your body has become more frail, then the insurance company should be able to make you pay for your own treatment and at the same time cut off your lost time benefits. Where’s the outrage from groups life AARP and other advocates for older citizens? Too bad we can’t reduce the pay of Missouri legislators as they get older! Nevermind, they always stand up for themselves when it comes to their own pay raises and retirement benefits, but there is no common sense when it comes to injured workers.

As a Missouri and Illinois “work comp” attorney, I have reached thousands of settlements on behalf of “claimants” (Missouri) and “petitioners” (Illinois) . Many claimants and/or petitioners will often compare their settlements to other injured employees when a comparison may not be appropriate. It is important to first understand that there are two types of “permanant  disability” settlements under the Missouri and Illinois Workers’ Compensation laws. A “permanant partial disability” settlement is based on the injured worker being able to “compete for employment” in the “open labor market”. These settlements are based on the injured employee being able to earn a livelhood, even if it is in a diminished capacity. llinois has some “wage differential” provisions which can enhance the value of an employee’s case where the employee has a “diminished earning capacity”. Missouri has no similar provisions which take into account “lost earning capacity” , but “Missouri Workers’ Compensation Administrative Law Judges” will generally be sympathetic and will usually take into the claimant’s circumstances.”Illinois Arbitrators”, however, can directly consider lost earning capacity. On the otherhand, Permanant total disability means that the injured worker cannot compete for employment in the open labor market. As attorneys representing “total disability” clients, we will usually also file for Social Security Disablity on their behalf. In the vast majority of these cases , our clients will be adjudicated as being totally disabled under both systems. Oftentimes we will try to settle Permanant total Disability cases in Missouri and Illinois “work comp” cases in order to avoid a potential “offset” reduction in “Social Security Disability” benifits. Ask your attorney to explain the potential settlement value of your case versus letting a judge decide and whether you may have a “Social Security offset” problem .You may also ask your attorney whether you may benifit from “vocational rehabilitation” if you cannot return to your former employment. Submitted by Jeff Swaney FREE CONSULTATION 314-481-7778