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Lawrence & Associates Get a Settlement for a Client After His Employer Denied Treatment and Refused To Pay Temporary Total Disability

Posted on Friday, April 3rd, 2015 at 9:29 am    

lifting heavy itemsEveryday employees are injured while on the job and everyday employers and insurance companies try to deny those injuries have happened on the job because they are trying to minimize the value of claims. Our goal is to help our clients get the medical care they need to recover as much as possible. We want to share a recent case we handled to give you an idea of what we can do for our clients. We will supply as many details as possible while still respecting our clients need for privacy.

The Situation

Our client injured his back and neck lifting heavy equipment while working for his employer in Florence, Kentucky. Because he had a neck injury years beforehand, his employer denied all his treatment and refused to pay him Temporary Total Disability (TTD). He became desperate, unable to pay for his medical bills and unable to get treatment, although his doctor was recommending an immediate surgery. He also had no income, and his wife’s income alone was not enough to support their family.

What We Did

Lawrence & Associates filed our client’s claim and asked the Administrative Law Judge for an immediate hearing to determine whether our client was entitled to have the employer’s Workers’ Compensation carrier pay for his medical bills, and whether our client was entitled to TTD payments. It was crucial that we get our client’s claim decided immediately because he was in dire straits and was thinking of filing bankruptcy so his home wouldn’t be foreclosed on.

The Result

Lawrence & Associates won the claim and got our client the treatment he needed. He is still treating today and hopes to make a full recovery. Also, we forced the employer’s Workers’ Compensation carrier to pay back all of the TTD that our client should have been paid from the date he was first injured, and he was able to use that money to pay off or catch up the debts that had been troubling him.

Contact Us (859.371.5997) for a Free Consultation

Experienced Workers’ Compensation & Employment Law Attorneys

Lawrence & Associates have handled all types of workers’ compensation cases. Lawrence & Associates will work to build a strong and successful case for you.

Common Types of Work Injuries….

  • Back injuries and herniated discs
  • Head injuries and spinal cord injuries
  • Meniscus tears and other knee injuries
  • Shoulder injuries and rotator cuff damage
  • Complex regional pain syndrome
  • Exposure to toxic substances, including chemicals and mold
  • Carpal tunnel syndrome and other repetitive motion injuries
  • Construction accidents, including scaffolding collapses, falls and injuries caused by heavy equipment
  • Broken bones

If you lost a loved one in a work accident, we may be able to help you obtain survivor’s benefits. We know that there is simply no amount of money that can replace your loss, but we will work hard to get you the resources you need to make ends meet and begin moving forward in life.

More About Us

>> Our Team
>> Our Testimonials
>> Our Frequently Asked Questions (FAQs)


What is the Statute of Limitations for Car Accident Cases in Northern Kentucky?

Posted on Tuesday, March 17th, 2015 at 4:26 pm    

Gavel and old clockMany people understand the importance of seeking an attorney after they have been involved in a car accident. One of the reasons for this is due to the fact that a licensed attorney will be able to tell a person exactly how much time they have to file or settle their accident related claim. This is known as the Statute of Limitations, and if a claim is not filed within the allowed time frame, then in most situations, it will not be heard by the Kentucky Courts.

2 Years From the Date of the Accident or No-Fault Medical Payment

The Statute of Limitations in Kentucky for car accident cases is two years from the date of the accident, or two years from the date the last no-fault medical payment (or no-fault PIP payment) was paid by your car insurance company. However, the maximum time allowed is four years from the date of the accident, regardless of the date of the last no-fault medical payment.

Statutes of Limitation Vary From State to State

Statute of Limitations can even vary depending on the type of accident a person was in or who the lawsuit is being brought against. In Kentucky, the Statute of Limitations is different for different types of claims. The Statute of Limitations for an auto defects or product liability claims is one year, as opposed to the Statute of Limitations for a contract, which can be up to 15 years (depending upon the type of contract).

When Does the Statue Begin to Run

There can also be a question as to when the statute begins to run. For example, the Statute of Limitations for filing a professional malpractice claim, including medical malpractice, must be commenced within one year of the date of the act or omission giving rise to the claimant’s injury. If the malpractice cannot reasonably be discovered within that time, the lawsuit may be filed at a later time not to exceed five years after the date of the act or omission giving rise to the injury.

If you were in a car accident but are afraid that your Statute of Limitations has already run or is about to expire, contact an attorney Northern Kentucky Personal Injury Attorney. Lawrence & Associates will be able to tell you with certainty whether or not you may still file a claim in Kentucky.

Contact Us at (513) 351-5997 for a Free Consultation


How Much of My Injury Settlement Goes To Pay Case Liens? It Depends on the State and Your Attorney

Posted on Wednesday, March 4th, 2015 at 11:51 am    

Claim LienMost people think that a lawsuit ends when the case is settled or the jury gives its award following a trial. Even many lawyers believe this, and that is how you spot an attorney that doesn’t have any business practicing personal injury law. In truth, a great deal of negotiating with lienholders follows the jury’s verdict or case settlement. In the last twenty years, many laws have been passed that favor insurance companies at the expense of injured American citizens, and some of these laws sharply reduce the net amount of a settlement or judgment. Case liens can come from a great many sources, but the vast majority are related to medical bills in one way or another. The amount of money that has to be paid to these medical lienholders varies by state and by the kind of company asserting the lien. Differing state philosophies is most easily shown by looking at the Greater Cincinnati area.

Greater Cincinnati Case Lien Process

If you get injured in Southern Ohio, you fall under the Ohio state rule. That rule says that you can only recover medical damages in a lawsuit up to the amount that your insurance company actually paid to the medical provider. This is a bad rule, because it requires the injured person to go the trouble of proving liability and recovering the money, but allows a free-riding insurance company to get all the money back. In the meantime, the person or company that was liable gets a break by not having to pay the full amount of the medical bills!

Northern Kentucky Case Lien Process

Kentucky allows you to claim the full amount of your medical bill at trial and, after proving the other party liable and collecting the damages, you only have to pay the insurance company the exact amount they paid toward the bill. The injured person keeps the rest. The Northern Kentucky rule decides that a liable person or company should not get a break on the amount of damages they caused, although it does still allow most insurance companies to free-ride. The Northern Kentucky rule also wisely reasons that any extra money kept by the injured person is justly due, because the injured person paid the premiums to the insurance company in the first place!

The Type of Organization Issuing the Lien Matters

The type of company putting a lien on the case is a big factor is how much the lien can be reduced. Government agencies like Medicare and Medicaid absolutely must be paid back, but they are often willing to negotiate a much lower payback than 100%. On the other hand, health insurance plans created under ERISA (which basically includes every health insurance plan that comes through your or your spouse’s employment) must also be paid back and they are generally unwilling to reduce their lien by more than a token amount. Actual medical providers, such as hospitals and ambulance companies, should be paid out of a lawsuit although it is more of an ethical rather than a legal requirement. (Still, if you don’t pay them they will likely sue you for the payment.) Medical providers do not have the same legal protections that insurance companies do, and they generally charge uninsured patients at an inflated rate compared to what they would charge an insurance company. Therefore, medical providers are generally willing to take a big reduction on their lien to ensure getting paid.

A Good Personal Injury Attorney Will Look at the Whole Picture When Working Toward a Settlement

A good Northern Kentucky Personal Injury Attorney will determine whether your case should be settled or go to trial and should include not only the client but all the lienholders as well. A Personal Injury Lawyer should make everyone agree to reduce their liens by a certain amount based on whatever settlement offer is on the table. That way, you will always know exactly what to expect out of a given settlement, and never get an unpleasant surprise after the settlement negotiations are over. Some Northern Kentucky attorneys don’t give their clients this “whole picture” approach to a settlement, and their clients should justifiably be upset if they find out their settlement netted less money than they expected.

At Lawrence & Associates, we have negotiated thousands of liens and recovered millions of dollars for our clients. We’re Working Hard for the Working Class, and we’d be proud to represent you.

Contact Us (859.371.5997) for a Free Consultation


Lawrence & Associates Gets a Workers’ Compensation Settlement For a Client With Complex Regional Pain Syndrome (CRPS)

Posted on Tuesday, December 30th, 2014 at 1:48 pm    

Complex Regional Pain SyndromeEveryday employees are injured while on the job and everyday employers and insurance companies try to deny those injuries have happened on the job because they are trying to minimize the value of claims. Our goal is to help our clients get the medical care they need to recover as much as possible. We want to share a recent case we handled to give you an idea of what we can do for our clients. We will supply as many details as possible while still respecting our clients need for privacy.

The Situation

Our client worked for a Northern Kentucky cable installation company. One day, while installing cable, he felt a pop in his shoulder. That pop was an injury to his nervous system caused by physical exertion. As a result of the injury, our client developed Complex Regional Pain Syndrome, Type 1, also known as Reflex Sympathetic Dystrophy. This debilitating condition caused our client to be unable to use his arm, and caused the arm to be extremely painful to the touch. Despite being diagnosed by both his treating doctor and the company’s doctor, our client could not get the company to provide full benefits for him.

What We Did

Lawrence & Associates filed our client’s claim with the Kentucky Department of Workers’ Claims right away. We have a lot of experience with CRPS sufferers, and we knew that this type of claim does not get a good result without providing a great deal of proof for the Administrative Law Judge and company to consider. Our attorneys needed to dig through every medical record and interview every witness to prove our client’s injury was work related. Further, because CRPS is so debilitating, we knew we would have to prove permanent impairment so our client had steady income to live off of until he reaches social security retirement age.

The Result

We reached a settlement with the company’s carrier for over $500,000, which was divided into money used to replace our client’s lost wages and money used to pay for our client’s future medical needs. This settlement allowed our client to pay off all of his family’s outstanding debts, including their mortgage, so they could live on a single family income. It also insured that our client would get the medical treatment he needs to live a happier, and more relatively pain free life.

Contact Us (859.371.5997) for a Free Consultation

Experienced Workers’ Compensation & Employment Law Attorneys

Lawrence & Associates have handled all types of workers’ compensation cases. Lawrence & Associates will work to build a strong and successful case for you.

Common Types of Work Injuries….

  • Back injuries and herniated discs
  • Head injuries and spinal cord injuries
  • Meniscus tears and other knee injuries
  • Shoulder injuries and rotator cuff damage
  • Complex regional pain syndrome
  • Exposure to toxic substances, including chemicals and mold
  • Carpal tunnel syndrome and other repetitive motion injuries
  • Construction accidents, including scaffolding collapses, falls and injuries caused by heavy equipment
  • Broken bones

If you lost a loved one in a work accident, we may be able to help you obtain survivor’s benefits. We know that there is simply no amount of money that can replace your loss, but we will work hard to get you the resources you need to make ends meet and begin moving forward in life.

More About Us

>> Our Team
>> Our Testimonials
>> Our Frequently Asked Questions (FAQs)


Lawrence & Associates Help a Client Get a Settlement Even After a Police Officer Messed Up His Accident Report

Posted on Friday, December 12th, 2014 at 4:46 pm    

accident reportAt the firm of Lawrence & Associates in Fort Mitchell, Kentucky, we fight for the rights of people who have suffered serious injuries and the families of fatal accident victims. We work tirelessly to help our clients get compensation and deal with the medical, financial and emotional effects of serious accidents. We will supply as many details as possible while still respecting our clients need for privacy.

The Situation

Our client was in a car wreck when the person behind him failed to stop and rear ended his vehicle. Adding insult to injury, the police officer that responded to the scene got his notes from two different wrecks mixed up, so the police report was incorrect. This caused our client some major heartburn as they dealt with their insurance carrier.

What We Did

Lawrence & Associates tracked down witnesses to the accident. We also found the police officer and got to the bottom of the faulty police report. We presented the proof of what really happened to our clients insurance carrier so that their coverage couldn’t be denied any longer.

The Result

Lawrence & Associates were able to resolve this case without filing a lawsuit. Our clients car was fixed and his medical bills were paid, plus he was able to set aside some money for future needs.


Lawrence & Associates Rescue a Client and Get Her a Settlement After Being Abandoned by a Previous Attorney

Posted on Friday, December 5th, 2014 at 4:22 pm    

rescueAt the firm of Lawrence & Associates in Fort Mitchell, Kentucky, we fight for the rights of people who have suffered serious injuries and the families of fatal accident victims. We work tirelessly to help our clients get compensation and deal with the medical, financial and emotional effects of serious accidents. We will supply as many details as possible while still respecting our clients need for privacy.

The Situation

Our client had another attorney for her car accident, but he was not returning her phone calls. She was hurt and was almost kicked out of the court system, but deserved compensation.

What We Did

Lawrence & Associates took over her case in time to save it from being dismissed, fought the defense attorney until it was clear that our client’s case would no longer be a pushover, and negotiated a settlement.

The Result

Not only did the client get a settlement she was happy with, but Lawrence & Associates also helped her negotiate down the bills she owed to her doctors.


Some Insurance Companies Employ Private Investigators to Find Evidence Against Your Workers’ Compensation Claim

Posted on Monday, November 24th, 2014 at 1:47 pm    

private investigatorIf you have a workers’ compensation claim and your gut is telling you that someone may be following you….your gut may be correct. Many insurance companies employ private investigators to find evidence that a claimant is healthy enough to return to work or that a claimant is earning income while collecting workers’ compensation benefits. However, with the increased use of social media, insurance companies may not need to physically follow a claimant in order to discover damaging information.

PIs Troll Social Media

With the increased use of social media, claimant’s need to be aware that what they post on Facebook, MySpace, LinkedIn, Twitter, etc. may potentially damage their workers’ compensation claim. In some cases, insurers are asking for the passwords to their claimants’ private Facebook accounts. Although this seems like an obvious privacy violation, in 2010, the New York Supreme Court dealt with this exact issue.

Romano v. Steelcase, Inc.

The employer served the claimant with a notice for discovery requesting full access to current and deleted records on her Facebook and MySpace pages. Romano v. Steelcase Inc., 30 Misc. 3d 426, 907 N.Y.S.2d 650 (Sup. Ct. 2010). The claimant refused to give the authorizations, and the employer responded by filing a Motion to Compel with the Court. The employer supported their Motion with the claimant’s public content, which contained photos of the claimant smiling happily outside her home despite her claim of being confined to her house and bed. The claimant argued that the request and Motion violated her privacy rights.

The judge however disagreed that turning over the records requested was a violation of the claimant’s privacy rights. In his ruling in favor of the employer, he stated that the discovery request was valid “with respect to materials that may be relevant both to the issue of damages and the extent of a Plaintiff’s injury.” The judge also stated that it was “reasonable to infer from the limited postings on Plaintiff’s public Facebook and MySpace profile pages that her private pages may contain materials and information that are relevant to her claims or that may lead to the disclosure of admissible evidence.”

Workers’ Compensation Claim Tips to Keep in Mind…

  • Social Media – With social media, you have control of your privacy settings. Make sure you use these privacy settings on all of your social media accounts so only friends, family and people you choose can see your posted content. Also, only friend people you know on a personal level and don’t post pictures and statuses that you aren’t comfortable with the entire world seeing.
  • Private Property – Private Investigators can legally film you; however, they are not supposed to go onto private property.
  • PIs Must Speak with Counsel – If you are represented by counsel, a private investigator cannot ethically talk to you.
  • Report/Video Rights – The investigators report or video cannot be sent to a doctor without your consent. Although this is the law, many insurance companies routinely break the law. The investigators report may skew the facts or be a flat out lie. We have seen a case where a private investigator filmed a mother picking her child up when exiting a vehicle. While picking your child up from their car seat is a necessity in life, in this case the claimant had a lifting restriction of 10 pounds. Based on the video footage alone, the insurance company cut off all of the claimant’s workers’ compensation benefits. The insurance company also sent the video footage to the claimant’s doctor who lifted all of the claimant’s restrictions.

If you feel uncomfortable with the amount or type of information being requested by your employer or their insurer, consult a Northern Kentucky Workers’ Compensation Attorney. 

Contact Us (859.371.5997) for a Free Consultation


Lawrence & Associates Help an Employee of a Hospital Who Denied That She Was Injured On the Job

Posted on Thursday, November 13th, 2014 at 8:03 am    

hospitalEveryday employees are injured while on the job and everyday employers and insurance companies try to deny those injuries have happened on the job because they are trying to minimize the value of claims. Our goal is to help our clients get the medical care they need to recover as much as possible. We want to share a recent case we handled to give you an idea of what we can do for our clients. We will supply as many details as possible while still respecting our clients need for privacy.

The Situation

Our client was an employee of a Northern Kentucky hospital who fell while transporting a patient. She hurt her shoulder and neck in the fall, but went home that day hoping the pain would go away. Unfortunately it didn’t, and when she reported the fall to her supervisor, the hospital immediately denied that she had been injured at work and denied any Workers’ Compensation coverage.

What We Did

Our client asked us to determine whether she had a claim. Upon investigation, we found that the patient she was transporting was willing to testify that he had seen the client’s fall and heard her complain of shoulder pain. We gave this information to the hospital and informed them that a claim would be filed if the hospital did not accept its obligations to pay for medical treatment and Temporary Total Disability (TTD) under Kentucky’s Workers’ Compensation laws.

The Result

The hospital backed down and agreed to pay for TTD and medical treatment without the need for a claim. Our client was delighted that she was able to move on with her life without the time and difficulty of filing a claim.

Contact Us (859.371.5997) for a Free Consultation

Experienced Workers’ Compensation & Employment Law Attorneys

Lawrence & Associates have handled all types of workers’ compensation cases. Lawrence & Associates will work to build a strong and successful case for you.

Common Types of Work Injuries….

  • Back injuries and herniated discs
  • Head injuries and spinal cord injuries
  • Meniscus tears and other knee injuries
  • Shoulder injuries and rotator cuff damage
  • Complex regional pain syndrome
  • Exposure to toxic substances, including chemicals and mold
  • Carpal tunnel syndrome and other repetitive motion injuries
  • Construction accidents, including scaffolding collapses, falls and injuries caused by heavy equipment
  • Broken bones

More About Us

>> Our Team
>> Our Testimonials
>> Our Frequently Asked Questions (FAQs)


It’s Election Day So Please Vote and Read This Article “No Accountability = No Safety: How Tort Reform Endangers Us All”

Posted on Tuesday, November 4th, 2014 at 6:33 am    

VoteOn this election day, Lawrence & Associates would like you to take 5 minutes out of your day to read this article before you vote today. The article helps to show that there isn’t a “medical liability crisis” and that the number of medical negligence claims has always been small and getting smaller. The articles exposes that it really is just moneyed interests that want “tort reform” which can potentially endanger any of us who will be visiting a doctor or a hospital in the future.

The following excerpts come from No Accountability = No Safety: How Tort Reform Endangers Us All by Vanessa B. Cantley from this September’s Issue of Bench & Bar Magazine…

Preventable medical errors kill about 98,000 Americans annually according to the institute of Medicine.

The number of Americans killed or seriously injured by completely preventable medical errors every single year numbers in the hundreds of thousands. 

“We have an epidemic of medical malpractice, not of malpractice lawsuits.” said University of Pennsylvania Law Professor Tom Baker. So-called tort “reform” – including this medical review panel bill – is a solution in search of a problem. And, it isn’t even a solution, because it will lead to less accountability in Kentucky’s hospitals and other medical facilities.

Please read the full article that includes almost a full page of reference at the end…

>> No Accountability = No Safety: How Tort Reform Endangers Us All by Vanessa B. Cantley


Lawrence & Associates Help a Client Get Compensated by a Machine Manufacturer and an Insurance Company Who Was Denying Claims

Posted on Friday, October 31st, 2014 at 12:52 pm    

construction accidentAt the firm of Lawrence & Associates in Fort Mitchell, Kentucky, we fight for the rights of people who have suffered serious injuries and the families of fatal accident victims. We work tirelessly to help our clients get compensation and deal with the medical, financial and emotional effects of serious accidents. We will supply as many details as possible while still respecting our clients need for privacy.

The Situation

Our client had severe crushing injuries after a collision between construction equipment. The client was hospitalized with no income, and no way to pay for multiple surgeries because the insurance company would not approve them. The client’s spouse and children were in danger of losing their home.

What We Did

Lawrence & Associates filed suit against the manufacturer of the equipment involved in the wreck due to defects in the machine that caused it to crush the client. We also took on the insurance company to show it was responsible for paying for all the medical treatment that had been denied. Finally, we contacted the creditors to stop the lawsuits they were threatening to file against our client.

The Result

Lawrence & Associates obtained a large recovery for our client to replace all lost income, pay for future medical care, and compensate our client for pain and suffering. Lawrence & Associates also forced the insurance company to pay for every single medical treatment they had wrongfully denied. Finally, we were able to save our client’s home from foreclosure.

If you or someone you know is struggling like the client mentioned above, call Lawrence & Associates today.
Fort Mitchell, KY: (859) 371-5997
West Chester OH: (513) 351-5997

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