Defense Base Act Compensation Blog

The Modern Day DBA Casualty

Posts Tagged ‘CNA’

Thank You Veterans

Posted by defensebaseactcomp on November 11, 2012

Thank you to all who served 

With a special thank you to those who served again

and were sold out to

AIG, CNA, and ACE

by the US Government

Posted in Civilian Contractors, Contractor Casualties and Missing, Defense Base Act, Defense Base Act Insurance, Delay, Deny, Department of Labor, Dropping the DBA Ball, Hope that I die, LHWCA Longshore Harbor Workers Compesnation Act, Political Watch, Racketeering, Veterans | Tagged: , , , , , , , , , , , | 1 Comment »

CNA’s Deadly Paper Games and Outright Lies Condoned by the Department of Labor

Posted by defensebaseactcomp on November 2, 2012

How do AIG and CNA get away with telling so many lies and paying for so little ?  

They get help from those put in place to “ensure that workers’ compensation benefits are provided promptly and properly” 

The Department of Labor’s Jacksonville Florida District Office Director Charles D Lee, formerly of Liberty Mutual, gave his seal of approval to CNA’s lies by refusing to find them in default of an order that he signed himself.  It took seven years to get this order.

If Mr. Lee does not remember signing this order over two years ago he should.  While he signed the order for medical and indemnity probably without reading it, slapped a form cover letter to it,  he did not bother to determine the amount of back indemnity and interest owed which allowed CNA to not pay on time and escape the 20% per day penalty.   So few penalties apply and so little enforcement of those that do.

It took many telephone calls and finally assistance from Michael Niss, the Director, Division of Longshore and Harbor Workers’ Compensation Office of Workers’ Compensation Programs at the time,  to encourage him to do his job.  He was not going to do it just because an injured contractor had not received his check  and was trying to find out why.

The failure on the District Director’s part to find CNA in 18 a Default occurred despite having in his possession legitimate proof, letters from Doctors stating that they had never been approved and had in fact been denied payment.

Proof of CNA lies to the new Claims Examiner, who comes to us from KBR with a KBR attitude, are ignored by everyone in the DoL from herself, Charles D Lee, Kristina Hall, to Eric Richardson, Miranda Chui, to the DOL IG.

CNA never produced a receipt for paying back  years of Medical Care that they were responsible for and refused to provide but Charles D Lee determined that they did so based on their attorney saying  that they did. 

CNA paid for a small fraction of the past medical care, finally, 16 months after the order was signed.  While this is clearly a 16 month default during which time the claimant has this debt hanging over his head despite having an Order in place, CNA is not held responsible.  A receipt has never been produced.  Charles D Lee takes them at their word while their lies are in his hands.

No dollar value is applied to the damages caused by a refusal to provide medical care for years on end and so there is no penalty or recovery.

We talk with contractors everyday who have orders in place for medical that  never receive it. 

The lengthy efforts your attorney must go through to try, not necessarily succeed, to secure the medical care is considered to be “Janitorial” work by CNA that they should not have to pay for.

Why not continue with the Deadly Paper Games when it saves you so much money and the very people that are supposed to be looking out for the claimant condone these criminal actions?

No dollar value is applied to the temporary injuries which become permanent at the hands of CNA.

The hands of CNA, their claims examiners, and their attorneys are so gently stroked by the Departments of Labor’s Jacksonville District Office. 

The Blood is on all of their hands.

Posted in AIG and CNA, Civilian Contractors, Contractor Casualties and Missing, Defense Base Act, Defense Base Act Insurance, Defense Base Act Law and Procedure, Department of Labor, Dropping the DBA Ball, Follow the Money, Hope that I die, Injured Contractors, Interviews with Injured War Zone Contractors, Iraq, LHWCA Longshore Harbor Workers Compesnation Act, Liberty Mutual, Misjudgements, OALJ, Political Watch, PTSD and TBI, Racketeering, Veterans, War Hazards Act | Tagged: , , , , , , , , , , , , , , | 2 Comments »

Chronic Traumatic Encephalopathy, CTE, due to lack of Diagnoses and Early Treatment of Traumatic Brain Injury, TBI

Posted by defensebaseactcomp on September 21, 2012

“But we may be able to learn that early treatment of the initial acute [brain] injury may avoid this cascade from brain injury to CTE.”

As a civilian contractor you will be denied early treatment by the insurance company.  The liability for this further injury is with the Defense Base Act Insurance Company, CNA leading the way.  

David Woods The Huffington Post  September 20, 2012

WASHINGTON — Almost a quarter million American troops diagnosed with traumatic brain injury are at risk of developing a degenerative disease that causes bursts of anger and depression and can lead to memory loss, difficulty walking and speaking, paranoia and suicide, according to military researchers.

At present, medical officials cannot diagnose or prevent the disease, called Chronic Traumatic Encephalopathy, and there is no known treatment for it, said Army Col. Dallas Hack, director of the Army’s Combat Casualty Care Research Program.

But researchers are hot on the trail of new procedures to detect and diagnose the disease, and there is hope that early detection of brain injury among troops exposed to blasts from improvised explosive devices in Afghanistan could prevent them from falling victim to CTE.

“We don’t fully understand the incidence of CTE with the occurrence of traumatic brain injury,” said Air Force Lt. Col. Randall McCafferty, chief of neurosurgery at the San Antonio Military Medical Center. “But we may be able to learn that early treatment of the initial acute [brain] injury may avoid this cascade from brain injury to CTE.”

Please read the entire post here

Posted in ACE, AIG and CNA, Civilian Contractors, Contractor Casualties and Missing, Defense Base Act, Defense Base Act Insurance, Dropping the DBA Ball, KBR, Misjudgements, PTSD and TBI, Suicide | Tagged: , , , , , , , , , , | Leave a Comment »

When do CNA’s Deadly Paper Games become outright lies to Department of Labor?

Posted by defensebaseactcomp on July 19, 2012

How about now DOL ????

Documents showed that CNA reported the highest profits margins, taking in nearly 50 percent more in premiums than it paid out in benefits.

CNA’s Deadly Paper Games

After having defaulted on an Order to provide medical to an Injured War Zone Contractor for over 15 months, after denying for six years prior, CNA provides a computer printout to the Department of Labor Claims Examiner who was charged with  investigating this Default.

Not to give undue credit here, the Claims Examiner was trying to remedy the default per her job description, not confirm that they were in default.

Here is a copy and paste of the body of the correspondence, the full document has been forwarded to the DoL IG for investigation along with computer printout they attached.

Dear Mr Lee

Pursuant to Claims Examiners Kristina Hall’s request of January 3, 2012 and as a supplement to our response dated January 9, 2012, please find enclosed a payment printout showing payments issued by CNA International to medical providers regarding Mr. Clark.  The enclosed printout also shows the recent reimbursement payment of $1,270.34.

Defendents will continue to adjust medical invoices when and as received with accompanying medical reports.
Sounds just like they are paying for Injured War Zone Contractors  Medical over the years.  The reimbursement was for Out of Pocket presented in 2009 and clearly 15 months post order.

Problem here is that these payments were not for provided medical.

One is for a final report, not diagnoses or treatment, requested by CNA prior to hearing , that really made the Doctor mad over wasting his precious time, and the rest are for Defense Medical Examination’s.  Pages 3 and 4 were with held  but we suspect they include the parade of DME’s that were demanded.

The very abusive DME’s that were required repeatedly and outside of his geographic area.  The ones that ALJ Paul C Johnson assisted CNA with.

Not only did CNA represent these DME’s as having provided medical care for this Injured War Zone Contractor when in fact they did not, they reinforced the lie by stating that they will continue to do so.

CNA is currently under investigation for just this kind of unlawful and Overly Zealous Defense in denying Defense Base Act Claims

Unless that is, the DoL IG failed to investigate previous requests or are simply failing to provide documents requested under the Freedom of Information Act.

Posted in AIG and CNA, Civilian Contractors, Contractor Casualties and Missing, Defense Base Act, Defense Base Act Attorneys, Defense Base Act Insurance, Defense Base Act Law and Procedure, Defense Base Act Lawyers, Defense Medical Examinations, Delay, Deny, Department of Labor, Dropping the DBA Ball, Hope that I die, Interviews with Injured War Zone Contractors, Iraq, LHWCA Longshore Harbor Workers Compesnation Act, Melt Down, Political Watch, PTSD and TBI, Veterans, War Hazards Act | Tagged: , , , , , , , , , , , , , , , , , , , , , , , | 5 Comments »

The Department of Labor and the Supreme Group, A Cover Up?

Posted by defensebaseactcomp on July 16, 2012

In the second quarter of 2010 The Department of Labor reports that the Supreme Group had 192 employee death claims filed

http://www.dol.gov/owcp/dlhwc/dbaallemployer6-30-10.htm

The Supreme Group shows no prior death claims filed dating back to September of 2001.

While no single insurer shows death claims filed amounting to this number for this time period

CNA shows 46 death claims filed

Zurich shows 105 death claims filed

And the DoL lists 103 death claims to an uninsured employer (there were previously none listed)

http://www.dol.gov/owcp/dlhwc/dbaallcarrier6-30-10.htm

See Also Failure to Secure DBA Coverage, Failure to Report Claims

.

We filed FOIA’s on February 22, 2012 and again on March 8, 2012

Which included the following:

    1.    Any and all complaints, statements, or reports to U.S. Dept. of Labor (DoL) concerning the activities of Supreme Group, Supreme Food Service, and their subcontractors

    2.    Any and all letters, reports, e mail, memoranda or other record showing communications with people regarding the activities of and/or the filing of DBA claims by Supreme Group, Supreme Food Service, and their subcontractors

             3.        Any and all report(s) of investigation or other memoranda or record concerning results of investigation conducted by DoL or any person working for DoL concerning the activities of  and/or the filing of DBA claims by Supreme Group, Supreme Food Services, and their subcontractors

.

We understand that when filing FOIA requests they must be worded properly

But are we to believe that there were 192 Death Claims filed in one quarter by one company and that during this same quarter over 100 Death Claims were filed to an uninsured employer and

No one at the Department of Labor had anything to say about it?

Posted in Afghanistan, AIG and CNA, Armorgroup, Civilian Contractors, Contractor Casualties and Missing, Defense Base Act, Defense Base Act Insurance, Defense Base Act Law and Procedure, Department of Labor, Dropping the DBA Ball, Follow the Money, Zurich | Tagged: , , , , , , , , , , , | 3 Comments »

Nine Years Ago Today, Still getting screwed over by CNA !

Posted by defensebaseactcomp on July 6, 2012

July 7, 2003

Nine years ago you get that phone call you hoped you’d never get

But hey they say, not to worry, the insurance company will take care of everything

Heart is breaking but not to worry

Everything, they say, will be OK

Good thing we’ve been paying for good medical insurance

No way of knowing that the “insurance” was Defense Base Act through CNA, a policy we had never heard of,  looked at, or signed for

Or that  Administrative Law Judge Paul C Johnson would deem his injuries to be alleged when denying him his rights under the DBA

One day we’ll look back at this and be so grateful for our blessings, for what we’ve overcome………

But one day never comes

What’s that in the way?

CNA 

CNA with the assistance of the Department of Labor District Office in Jacksonville

From failing to provide a medical evacuation and abandoning him to the military medical system to defaulting on the order to provide his medical care for nearly two years now after denying for six years.

CNA, their Claims Adjusters, their overly zealous legal representation, and the biased Department of Labor District Office have caused much more physical, mental, and financial  damage than there ever had to be. 

What should have been temporary disabilities have become permanent.

CNA has denied the looking back one day, the moving forward, the healing

If CNA had simply lived up to their responsibilities rather than playing paper games this family would have long moved on

And the US Taxpayers would not be paying ever more to the War Profiteers CNA and their “representation”

Documents showed that CNA reported the highest profits margins, taking in nearly 50 percent more in premiums than it paid out in benefits.

Posted in AIG and CNA, Civilian Contractors, Contractor Casualties and Missing, DBA Attorneys Fees, Defense Base Act, Defense Base Act Attorneys, Defense Base Act Insurance, Defense Base Act Law and Procedure, Defense Base Act Lawyers, Delay, Deny, Department of Labor, Dropping the DBA Ball, Exclusive Remedy, Hope that I die, Interviews with Injured War Zone Contractors, Iraq, Leishmaniasis, Misjudgements, OALJ, Political Watch, PTSD and TBI, Racketeering, Veterans | Tagged: , , , , , , , , , , , , , , , , , , , , , | 1 Comment »

Defense Base Act War Hazards Act: Overly Zealous Representation in Defending Against a DBA Claim

Posted by defensebaseactcomp on June 27, 2012

employer/carrier’s inadequate or overly zealous representation in defending against a DBA claim may be grounds for denying all or some portion of a request for WHCA reimbursement.

So Mr Rayburn how many War Hazards reimbursements has the DFEC denied

in part or whole over the following

Overly Zealous DBA Insurance Company Defense Tactics ?

The use of repeated Defense Medical Examinations with Doctors Over Paid to produce a report detrimental to the claimant, to run them through the drill

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The claims process being drug out for as long as nine years with no end in sight while the defense racks up ever more legal fees, the insco keeps charging administrative fees, not to mention the claimants attorneys fee’s, while the claimant goes without  medical and/or indemnity

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Unnecessary mileage, airfare, lodging, expenses paid out due to due coercing claimants to travel as far as five states away to attend Defense Medical Examinations, Mediations, Depositions, Hearings

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The use of private investigators, some even criminals themselves, to stalk and intimidate injured contractors and their families far beyond simply confirming a claimants status

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The use of  Third Party Administrators to handle claims processes that could easily be done without the added expense and fees.

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Unnecessary fines and interest due to non payment or late payment of  indemnity

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The financial ruination of injured contractors and their families caused by the overly zealous controverting of legitimate claims

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The Temporary Disabilities which are now Permanent due to their failure to provide medical care under the guise of investigating clearly legitimate claims.  Now the US taxpayer is responsible for disabilities far beyond what they ever had to be.

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The PTSD Suicides caused by the Insurance Companies, their claims examiners, and their attorneys

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The break up of families caused the constant pressure and abusive tactics used by the Employer/Carrier

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The forced acceptance of inadequate settlements or stipulated agreements due to starving the claimant out for years on end and/or threatening the claimant and family that if they do not accept the inadequate settlement they will make them miserable for the rest of their lives (see The Weaponization of the Defense Medical Examination)

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Unfairly denying the claimants attorneys fees in order to discourage good attorneys from handling these claims

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FECA BULLETIN NO. 12-01

XI. Miscellaneous

1. DFEC requires, before acceptance of any WHCA reimbursement claim, that the employer/carrier has made only reasonable and prudent efforts in presenting all meritorious defenses against a DBA claim without regard to whether the case is eligible for WHCA reimbursement. An employer/carrier’s inadequate or overly zealous representation in defending against a DBA claim may be grounds for denying all or some portion of a request for WHCA reimbursement.

CECILY A. RAYBURN
Director, Division of Planning, Policy and Standards

Posted in ACE, AIG and CNA, Chartis, Civilian Contractors, Contractor Casualties and Missing, DBA Attorneys Fees, Defense Base Act, Defense Base Act Attorneys, Defense Base Act Insurance, Defense Base Act Law and Procedure, Defense Base Act Lawyers, Delay, Deny, Department of Labor, Hope that I die, Injured Contractors, KBR, Political Watch, PTSD and TBI, Suicide, Veterans, War Hazards Act | Tagged: , , , , , , , , , , , , , , , , , | 7 Comments »

CNA’s Deadly Paper Games, Just another CNA DBA Suicide in the making

Posted by defensebaseactcomp on June 21, 2012

It is certainly going to have the desired result. 

They are going to kill him and it is going to be soon. 

Before the year is out I believe this man is going to commit suicide.

PTSD Claims to be Expedited

CNA’s Deadly Paper Games do not begin or end with this Injured War  Zone Contractor

Nearly 14 months to the day of a Department of Labor District Director signing an Order approved by an ALJ stating that CNA must provide medical for a  severely Injured War Zone Contractor’s injuries, the details of which were gagged…..

And 3 1/2 months after Injured War Zone Contractor asked the District Director to find them in Default for not doing so……..

CNA produces a stack of  FAXES supposedly sent to Injured War Zone Contractors Doctors stating that they have “re-approved” payment of diagnoses and treatment, most of which were never approved, ever, much less “re- approved”.  In fact for most of the Doctors CNA denied diagnoses and treatment for blast injuries for many years.

Several Doctors stated that yes they received a FAX but that it did not mean they accepted the approval and that it did not guarantee payment.  Payment would have to made in advance.  CNA’s reputation for non payment is no secret.

The rest of the doctors state that they never received “approval” at all.

Unemployed and otherwise uninsured Injured War Zone Contractor pays for some visits via credit card as they are so vital.  Doctor then sends a bill to CNA for payment despite not having received an approval,  which CNA refuses.  Injured War Zone Contractors scheduled visits are then cancelled due to non payment by CNA.

These are deadly games CNA plays in order to continue to deny medical even after a hard won order is produced.

And who do they claim is vague, ambiguous, and whose claims are not supported by Facts, or should we say FAX?

It must be the very well respected and credentialed doctors, or the Attorney, or the Injured War Zone Contractor

This negligent paper game continues despite a recent medical report from February stating:

“I do not understand the entire bureaucracy issue.  He tells me that CNA has written to us and that we are approved for Workers’ Compensation.  We have no record to that effect.  We are just not going to be paid and they are not going to authorize treatment.  Bureaucracies have their problems but this almost seems to be purposeful.

It is certainly going to have the desired result.  They are going to kill him and it is going to be soon.  Before the year is out I believe this man is going to commit suicide.

And he’ll be just another CNA DBA Suicide.

Note:   CNA’s response is to ask for an informal conference.  Several informal conferences, a settlement conference with a Judge, orders signed by a Judge and the District Director, and yet another informal conference after an 18 month default is even a consideration???  Let’s just run this out until the end of year and we won’t have to worry about this guy anyway!!!!

Posted in AIG and CNA, AWOL Medical Records, Civilian Contractors, Contractor Casualties and Missing, Defense Base Act, Defense Base Act Attorneys, Defense Base Act Insurance, Defense Base Act Law and Procedure, Defense Base Act Lawyers, Delay, Deny, Department of Labor, Dropping the DBA Ball, Hope that I die, Injured Contractors, Interviews with Injured War Zone Contractors, LHWCA Longshore Harbor Workers Compesnation Act, Political Watch, PTSD and TBI, Suicide, Uncategorized, Veterans | Tagged: , , , , , , , , , , , , , , , , , , , , | 6 Comments »

Cummings Introduces Legislation to Reform Defense Base Act Insurance Program

Posted by defensebaseactcomp on June 6, 2012

In addition to cost concerns, the current system has failed to ensure that all injured workers obtain health care services, disability payments, or death benefits they and their families deserve

“There is absolutely no reason American taxpayers should be lining the pockets of private insurance companies,” said Cummings.

“This bill would save billions of dollars while improving the ability of contractor employees who risk their lives in war zones to obtain the medical care and support they deserve.”

Committee on Government and Oversight Reform  June 6, 2012

Washington, DC (June 6, 2012) —Rep. Elijah E. Cummings, Ranking Member of the House Oversight and Government Reform Committee, introduced legislation today that would save taxpayers huge sums of money by transitioning the existing workers’ compensation insurance system for overseas government contractors away from private sector insurance companies to a federal self-insurance program.

“There is absolutely no reason American taxpayers should be lining the pockets of private insurance companies,” said Cummings. “This bill would save billions of dollars while improving the ability of contractor employees who risk their lives in war zones to obtain the medical care and support they deserve.”

According to a 2009 Pentagon study, Congress could save as much as $250 million a year by transitioning the existing Defense Base Act (DBA) insurance program to a government self-insurance program. The study found: “In the long run, the self-insurance alternative may have the greatest potential for minimizing DBA insurance costs, and it has several administrative and compliance advantages as well.”

Cummings’s legislation, H.R. 5891, The Defense Base Act Insurance Improvement Act of 2012, would direct the Departments of Defense and Labor to establish a self-insurance program in which the government would pay directly for medical benefits and disability benefits rather than utilizing private insurance companies.

The existing system has been a boondoggle for private insurance companies, who have reaped enormous profits under the program. According to an Oversight Committee investigation, insurance companies providing DBA insurance in Iraq and Afghanistan have made enormous underwriting profits that are significantly higher than those of traditional workers’ compensation insurers.

The current DBA system requires contractors to purchase workers’ compensation insurance for employees working overseas from private insurance carriers, and the contractors and insurance companies negotiate their own rates. Since the costs of the insurance premiums are often built into the price of the contract with the government, there is little incentive for contractors to limit insurance costs.

Cummings’s bill would set a six month deadline for the Departments of Defense and Labor to develop an implementation strategy to transition to a self-insurance program, and it would require the strategy to be executed within a year after the bill is enacted.

The legislation would also require the Departments of Defense and Labor to issue a report one year after the program is implemented to assess its effectiveness in terms of cost-savings and the delivery of benefits.

In addition to cost concerns, the current system has failed to ensure that all injured workers obtain health care services, disability payments, or death benefits they and their families deserve. An analysis by ProPublica found that private insurance companies had denied about 44% of serious injury claims and about 60% of claims by employees suffering psychological damage such as post-traumatic stress disorder.

At the request of Congressman Cummings, the Domestic Policy Subcommittee held a hearing in 2009 to evaluate these findings, which confirmed that the Defense Base Act is in desperate need of reform.

Posted in Civilian Contractors, Defense Base Act, Defense Base Act Insurance, Department of Labor, Dropping the DBA Ball, Political Watch, PTSD and TBI | Tagged: , , , , , , , , , , , , , , | 6 Comments »

A cost of war: Soaring disability benefits for veterans, while the cost of civilian veterans disabilities is kept in the dark

Posted by defensebaseactcomp on April 27, 2012

CNN Money A cost of war: Soaring disability benefits for veterans

Daniel Brink of South Africa was severally wounded and disabled working in Iraq. His medical care and indemnity are the also the responsibility of the US Taxpayer under the Defense Base Act only no one has the integrity to be honest about it.

After more than a decade of continuous warfare, the cost of disability compensation for wounded veterans is surging to mammoth proportions.

The U.S. Department of Veterans Affairs expects to spend $57 billion on disability benefits next year. That’s up 25% from $46 billion this year, and nearly quadruple the $15 billion spent in 2000, before the wars in Iraq and Afghanistan began.

“This is the cost of going to war,” said Larry Korb, a senior fellow at the Center for American Progress who served as assistant secretary of defense during the Ronald Reagan administration. “We’ve made so much progress in medicine [that] you’re going to have a lot of people survive their injuries who didn’t in the past.”

About 4,500 U.S. troops were killed in Iraq and about 1,800 have been killed in Afghanistan. Some 633,000 veterans — one out of every four of the 2.3 million who served in Iraq and Afghanistan — have a service-connected disability, according to the Bureau of Labor Statistics.

Please read the entire article here

Posted in AIG and CNA, Civilian Contractors, Contractor Casualties and Missing, Defense Base Act, Department of Labor, Injured Contractors, Iraq, Political Watch, Veterans | Tagged: , , , , , , , , , | 1 Comment »

War is Brain-Damaging

Posted by defensebaseactcomp on March 18, 2012

The Defense Base Act Insurance Companies and the Department of Labor are as negligent as the Department of Defense when it comes denying the dangers of Post Traumatic Stress Disorder and Traumatic Brain Injury, and most negligently when a contractor suffers from both.

“a potentially lethal combination of post-traumatic stress disorder and traumatic brain injury. When the frontal lobe — which controls emotions — is damaged, it simply can’t put on the brakes if a PTSD flashback unleashes powerful feelings. Seeing his buddy’s leg blown off may have unleashed a PTSD episode his damaged brain couldn’t stop”

The New York Times Sunday Review

These vets suffer from a particular kind of brain damage that results from repeated exposure to the concussive force of improvised explosive devices — I.E.D.’s — a regular event for troops traveling the roads in Iraq and Afghanistan.

“It’s Russian roulette,” one vet told me, “We had one guy in our company who got hit nine times before the 10th one waxed him.” An I.E.D. explosion can mean death or at least a lost arm or leg, but you don’t have to take a direct hit to feel its effects. A veteran who’d been in 26 blasts explained, “It feels like you’re whacked in the head with a shovel. When you come to, you don’t know whether you’re dead or alive.”

The news that Robert Bales, an Army staff sergeant accused of having killed 16 Afghan civilians last week, had suffered a traumatic brain injury unleashed a flurry of e-mails among those of us who have been trying to beat the drums about this widespread — and often undiagnosed — war injury. New facts about Staff Sgt. Bales are coming out daily. After we heard about the brain injury that resulted when his vehicle rolled over in an I.E.D. blast, we were told that he had lost part of his foot in a separate incident. Then we learned that the day before his rampage, he’d been standing by a buddy when that man’s leg was blown off. There are also reports of alcohol use.

People with more appropriate professional skills than mine will have to parse these facts, but from what I have learned in my work as a storyteller, this tragedy may be related to something I heard about in my interviews: a potentially lethal combination of post-traumatic stress disorder and traumatic brain injury. When the frontal lobe — which controls emotions — is damaged, it simply can’t put on the brakes if a PTSD flashback unleashes powerful feelings. Seeing his buddy’s leg blown off may have unleashed a PTSD episode his damaged brain couldn’t stop. If alcohol was indeed part of the picture, it could have further undermined his compromised frontal lobe function

Please see the original and read more here

Posted in ACE, AIG and CNA, Chartis, Civilian Contractors, Department of Defense, Department of Labor, Dropping the DBA Ball, Injured Contractors, LHWCA Longshore Harbor Workers Compesnation Act, Melt Down, PTSD and TBI | Tagged: , , , , , , , , , , , , , | 1 Comment »

Medical bills can wreck credit, even when paid off

Posted by defensebaseactcomp on March 4, 2012

When CNA does not pay Walter Reed and it goes on your credit rating as a “Serious Delinquency to the Treasury Department”

When AIG does not pay Landstuhl and the government attaches your Social Security, your only source of income because they are denying your claim

When CNA, AIG, ACE “approve” your doctors and medical but do not pay the bills

When CNA does not pay laboratory fees that show up on your credit rating years later

When CNA approves your wheelchair but it is repossessed due to non payment

When a US DOL ALJ signs a useless order requiring CNA or AIG to pay your past medical bills and they boldly defy the order

Your credit has been irreparably damaged and it is you that must bear the extreme cost of their abuse, never the insurance company or those that help them get away with this

By Carla K Johnson AP  March 4, 2012

CHICAGO (AP) — Mike and Laura Park thought their credit record was spotless. The Texas couple wanted to take advantage of low interest rates, so they put their house on the market and talked to a lender about a mortgage on a bigger home in the Dallas-Fort Worth suburbs.

Their credit report contained a shocker: A $200 medical bill had been sent to a collection agency. Although since paid, it still lowered their credit scores by about 100 points, and it means they’ll have to pay a discount point to get the best interest rate. Cost to them: $2,500.

A growing number of Americans could encounter similar landmines when they refinance or take out a loan. The Commonwealth Fund, a private foundation that sponsors health care research, estimates that 22 million Americans were contacted by collection agencies for unpaid medical bills in 2005. That increased to 30 million Americans in 2010.

Surprisingly, even after the bills have been paid off, the record of the collection action can stay on a credit report for up to seven years, dragging down credit scores and driving up the cost of financing a home. An estimated 3.4 million Americans have paid-off medical debt lingering on their credit reports, according to the Access Project, a research group funded by health care foundations and advocates of tougher laws on medical debt collectors.

Among them are Nathen and Melissa Cobb of Riverton, Ill., who tried to refinance their home last year. They didn’t qualify for the loan because of $740 in medical bills that had been sent to a collection agency. The Cobbs were surprised because the bills — nearly a dozen small copayments ranging from $6 to $280 — had been paid before they tried to refinance. The collection action took their credit score from good to mediocre and is likely to mar their credit report for years.

“I’m not one of those people trying to ditch out on my bills,” 34-year-old Melissa Cobb said. “I’m really frustrated.”

Medical bills make up the majority of collection actions on credit reports, and most are for less than $250, according to Federal Reserve Board research.

Please see the original and read more here

Posted in ACE, AIG and CNA, Chartis, Civilian Contractors, Defense Base Act, Defense Base Act Attorneys, Defense Base Act Insurance, Defense Base Act Lawyers, Department of Labor, Dropping the DBA Ball, Injured Contractors, LHWCA Longshore Harbor Workers Compesnation Act, War Hazards Act | Tagged: , , , , , , , , , , , , , | 1 Comment »

A Military Cutback We Can’t Afford: Fighting Tropical Diseases

Posted by defensebaseactcomp on January 21, 2012

Leishmaniasis at The Iraq Infections

“In the coming years leishmaniasis may become the most important condition you have never heard of among veterans”

Barbara Herwaldt, CDC, on Leishmaniasis

Contractors will be even less likely to be diagnosed and/or treated timely or effectively despite the possibility you can transmit this to your family

Peter Hotez & James Kazura at The Atlantic

In recent months, many politicians and presidential hopefuls have called for budget reductions, and many have specifically targeted military spending for cutbacks. Unfortunately, even programs proven to be cost effective are vulnerable to cuts. Medical research for our troops is no exception to this rule — programs such as the Walter Reed Army Institute of Research (WRAIR) often find themselves low on the priority list despite their crucial role in saving the lives of our troops on the battlefield and here at home.

One important area of research is tropical medicine. During World War II and the Vietnam War, more than one million service members acquired tropical infections such as malaria, dengue fever, hookworm, and typhus, and many of these diseases continued to plague our veterans after they returned home. Today, American troops in Iraq and Afghanistan still face formidable tropical disease threats, especially from a disease transmitted by the bite of sand flies known as leishmaniasis, which can cause a disfiguring ulcer in one form, and a serious systemic condition that clinically resembles leukemia in another. In the coming years leishmaniasis may become the most important condition you have never heard of among veterans.

WRAIR’s leishmaniasis diagnostic laboratory is the only one of its kind in the world, so each time funding is slashed our military loses considerable expertise and capabilities in the diagnosis, treatment, and prevention of this devastating disease. For example, in the years prior to the Gulf War, the WRAIR leishmaniasis program was officially decommissioned and all research was halted. Only after cases of leishmaniasis among U.S. forces exposed to sand-fly bites in the Iraqi desert were the remaining leishmaniasis experts at WRAIR quickly assembled and tasked with making up for lost time. In 2002, the WRAIR leishmaniasis program was again dissolved only to be urgently activated once more with the start of Operation Iraqi Freedom in 2003. The interruptions to the WRAIR leishmaniasis program are part of much larger budget cuts across all of WRAIR’s tropical infectious disease research programs. There is no end to the irony of such cutbacks given that they coincide with the activation in 2008 of the U.S. Africa Command (AFRICOM), charged with fighting the war on terror across the African continent. Today, sub-Saharan Africa has the largest number of cases of tropical diseases anywhere in the world. Many of these tropical infections, such as river blindness and African sleeping sickness, have been shown to destabilize communities and may actually promote conflict in the region.

Please see the original and read more here

Posted in ACE, Afghanistan, AIG and CNA, Civilian Contractors, Contractor Casualties and Missing, Defense Base Act, Injured Contractors, Iraq, Leishmaniasis, LHWCA Longshore Harbor Workers Compesnation Act, Toxic Exposures, Veterans | Tagged: , , , , , , , , , , | Leave a Comment »

Department of Labor Refusal to find CNA in 18(a) default of order

Posted by defensebaseactcomp on December 22, 2011

As referenced in the previous post Department of Labor District Offices Dead in the Water Scott Bloch filed a request to find CNA in 18(a) Default of an Order on behalf of Merlin Clark on September 16, 2011.

Merlin Clark has been denied medical by CNA since 2005 after being blown up in 2003.  An order signed by an ALJ and issued by the Jacksonville District Director in October of 2010 has not been complied with.

After giving CNA nearly a year to comply this request was filed just prior to the one year deadline for doing so.  It’s not that they did not have the opportunity for nearly year to comply, if not five prior years to live up to their contractual obligations to the taxpayer.

Yet this 18 (a) Request for a Default has been denied due process.  Three additional months of non compliance on top of nearly a year.  No attempts by CNA to bs their way out until this issue was posted here on the blog.  They know there is no consequence to them when they do not comply with orders.

Instead of issuing a supplemental order  and allowing Mr. Clark to exercise his rights outside of this broken Administrative Law System the District Director has taken it upon himself to attempt to mediate this already decided claim yet again.

Where does this Not Very Merry Go Round stop, if ever?

Why does the Department of Labor repeatedly side with the insurance company with no regard to the health and well being of injured war zone contractors and their families?

Who is benefiting from this?

Posted in AIG and CNA, Civilian Contractors, Defense Base Act, Defense Base Act Insurance, Defense Base Act Law and Procedure, Delay, Deny, Department of Labor, Follow the Money, Hope that I die, Injured Contractors, LHWCA Longshore Harbor Workers Compesnation Act, Misjudgements, OALJ, Political Watch, PTSD and TBI | Tagged: , , , , , , , , , , | 12 Comments »

Department of Labor District Offices Dead in the Water

Posted by defensebaseactcomp on December 16, 2011

Posted in ACE, AIG and CNA, Blackwater, Civilian Contractors, Contractor Casualties and Missing, DBA Attorneys Fees, Defense Base Act, Defense Base Act Insurance, Defense Base Act Law and Procedure, Department of Labor, Dropping the DBA Ball, Follow the Money, Injured Contractors, LHWCA Longshore Harbor Workers Compesnation Act, Melt Down, Political Watch, PTSD and TBI, Ronco Consultilng, Uncategorized | Tagged: , , , , , , , , , , , | 5 Comments »

 
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