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The AME Trap
(aka Why Agreed Medical Examiners Make Me Disagreeable)
by
Don Barthel, Esq.
You have the right to attempt to resolve virtually any/all workers' compensation issues by going to an Agreed Medical Examiner (AME). Presumably all adjusters and workers' comp attorneys have agreed to one or more (likely many more) AMEs during their careers.
Why?
I've often posed that question to participants in the Continuing Education (CE) lectures that I present, usually two or more times a week. The answer? It typically follows under one of three general headings:
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Apportionment - Simplified
The Glass of PD Method
by Phil Billman, B&B Rating Services Department Manager
In last month's issue (http://www.bradfordbarthel.com/BLOG/V5N4/Five-5.htm), I described how the DEU's erroneous approach to apportionment inappropriately expands employer PD exposure. In this article I use the a "Glass of PD Method" to illustrate this point.
Assuming an empty glass represents 0% PD and a full glass 100% PD, let's review an example from our last article. Applicant suffered accepted injuries to five different body parts, A through E, as outlined in the table below. The PD for each body part received at least 50% apportionment. In another words, the employer was found liable for no more than half of the PD associated with each of the body part. Without apportionment, the total PD was 97%.
Can you guess how much PD the employer must pay? Let's review. The total PD without apportionment stands at 97%. The employer is, based on the apportionment determinations, responsible for no more than 50% of the PD for any one body part. Thus, logic would suggest the employer is liable for something less than half of 100% PD.
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TOP SECRET - Do NOT Read!
aka "Collaboration in the Cloud - A Quick Look at Knowledge Sharing"
by Eric Hunter, Director of Knowledge Management
In our last B&B BLOG, we introduced the concept of "cloud computing" and the future it holds for B&B in specific and the workers' compensation industry generally. In this edition, we answer the question you've no doubt asked yourself:
So we’re on the cloud... now what? Where (and how) does all that projected collaboration come into play?
Take a look at your department structure and layout, whether it be a claims department, law firm, or any other knowledge-intensive professional setting. How do you currently share information? How is knowledge distributed? And how do you currently train (that is, share knowledge)?
The key to using cloud-hosted collaboration is rethinking your approach to knowledge sharing and information distribution. Once in the clouds, your entire collaboration suite is web-based, and it's built to be interactive. (continued) |
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