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Tuesday, January 13, 2009
Bona Fide Offers of Work From An AdjusterA bona fide offer of employment is a statutory tactic that an employer or carrier can use to cut off temporary
income benefits. This is nothing more than an offer to let an injured worker return to work at light duty. The
employer promises to abide by the claimant's doctor's restrictions. If the claimant returns to work on light
duty, she can earn her wages and temporary income benefits would not be owed. If the injured worker does not accept
the offer of returning to work on light duty, then the Texas workers' compensation insurance carrier can suspend temporary
income benefits if the offer meets the requirements of Rule 129.6. The reason the adjuster is able to cut off TIBs is
because the carrier is then allowed to say that the claimant was able to earn the offered wages despite her injury, so the
carrier can pretend like the claimant has earned those wages when calculating the amount of benefits that are owed.
This is allowed under the law.
You see, in the above scenario, the reason the injured worker was not able to earn
her pre-injury wage was not because of the work injury. The employer offered to accomodate any restrictions that existed
as a result of the work injury. The reason the claimant didn't earn her pre-injury wages was due to some reason
other than the work injury, or at least that is how the argument goes.
Injured workers who are able to work should
return to work. After all, the system exists, in theory, to expedite this process. Injured workers who can return
to work on light duty and earn their full wages are going to be better off financially than those that do not. After
all, Texas work comp benefits are less than what the worker earned prior to the injury.
Because disability is defined
as the inability to earn the pre-injury wages because of the work-related injury, then why a person is not earning those wages
matters. If it is because of the injury, then the work comp carrier owes benefits. If it is not because of the
injury, then the work comp carrier does not owe benefits.
Last week I handled one of these cases where the offer
of light duty employment was made by the adjuster. The letter was written on the insurance company's letterhead,
signed by the adjuster. It offered a light duty position with the employer. The judge agreed with me: Rule
129.6 requires that an offer be made by an employer in order to be a bona fide offer of employment. Because this offer
was made by the adjuster and not the employer, the judge ruled it was not bona fide so the carrier could not cut off benefits.
That argument required analyzing Rule 129.6 closely. The lesson, though, from that case is that an offer of
light duty must come from the employer, not the adjuster. While it is probably okay if the adjuster mails it for the
employer, the actual offer of employment must be extended by the employer.
If you get an offer of light duty from
your employer following a work injury, it is a very serious thing. It can significantly affect your benefits.
You should consult an attorney and your treating doctor immediately to determine the best course of action prior to accepting
or declining the light duty offer.
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Physical Therapist PositionA good clinic that I work with has an opening for a PT in Wichita Falls. The clinic is run by good people
who are easy to work for. If you are interested in talking to them, please email me at matt@workerscomppubs.com.
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