What You Need to Know About Bicycle Helmets

If you ride a bike in New Jersey you are required to wear a helmet. This is not only good safety practice, it’s the law. But strapping on your old helmet may not be enough to keep your noggin’ safe in the event of a crash. Bike helmets have a limited life-span, irrespective of whether they’ve been involved in a collision, and they must also be properly sized and fitted in order to function properly.

Bike helmets use a type of semi-rigid foam to absorb impact from a crash.  The foam is intended to deform when subjected to an impact and, in so doing, it acts similarly to a crumple zone on a car, absorbing some of the force from the crash.  However, the foam will degrade with the passage of time and with being subjected to the elements, to the chemicals in a person’s sweat, etc., which causes the foam to become stiffer or to otherwise lose some of its ability to absorb shock.  Most data suggest that helmets be replaced every 5 years even if they have not been in an accident.  And every helmet which has been subjected to the force of an impact should be replaced, even if it looks fine to the eye.  There may be damage to the foam that is not visible and this may limit the helmet’s ability to do its job.

In addition, it is important to insure the helmet is properly fitted.  Here are some tips compiled from Consumer Reports and the National Highway Transportation Safety Administration to insure you get the right bike helmet:

  1. Be sure to try the helmet on before you buy it.  Different brands will fit differently and will employ different adjustment systems.  Experts say the helmet should fit “snugly”, but “should not feel uncomfortably tight”.  
  2. Be sure the helmet is properly positioned.  Many people wear the helmet improperly.  Your helmet should sit level on your head with the front covering the forehead and resting just above the eyebrows.  Never tilt the helmet up so the front rests above or on the top of the forehead as this leaves sensitive portions of the brain vulnerable to injury.  
  3. Verify the straps are properly positioned .  The side straps of most bike helments will branch out to form a “V” between the neck fastener and the helmet/strap attachment points.  The bottom of the “v”  should be positioned to fit comfortably below your ear.  The chin strap should be tight enough that you feel the helmet pulling down on the top of your head it you open your jaw fully, and experts say you should not be able to fit more than two fingers between the strap and your chin.
  4. Kid’s helmets should fit properly NOW.  Don’t buy your child a helmet that they will “eventually grow into”.  It should fit them properly NOW, and should fit them the same way an adult’s helmet fits.  Otherwise, it may not protect them in the event of a crash.
  5. More expensive does not necessarily mean better.  So long as you are purchasing a quality helmet from a reputable manufacturer, you need not break the bank to get a good bike helmet.  Like anything associated with bicycles, there are a range of prices available.  Material choices, weight, options, brand, etc., will all impact the price point for a helmet.  There are a number of web sites with safety and rating information on helmets you can turn to for more information.  Amongst these are: ConsumerReports.org, BikeRadar.com, and the web sites for Bicycling magazine and Outside magazine.

Mark Davis is a member of Stark & Stark’s Lawrenceville, New Jersey office, specializing in Accident & Personal Injury Law. For more information, please contact Mr. Davis.

How to Understand an MRI After a Back Injury

MRIs are a very common diagnostic tool, but what do the results actually mean?  Medical terminology can be confusing and radiologists may use different words to mean the same thing.  Here are some basic definitions that may help you understand what’s really going on with your back.

These are some of the common diagnoses you might see on an MRI.  

Degenerative disc disease is not caused by an accident or injury to the spine.  You may also hear this referred to as spondylosis or arthritis. It is a condition that takes years to develop and is due to the natural aging process.  Because it happens slowly over time, you may not know you have it and you may not have had any symptoms before your injury.  However, an injury can aggravate this condition and can make the recovery process more difficult.  In NJ workers’ compensation, if this aggravation has a permanent impact on your home or work life, you may be entitled to a monetary award. This link shows the difference between a normal spine and one with degenerative changes.

Spinal stenosis is also a condition that is not caused by an accident or injury.  It is a term used to describe a small space between the vertebra for the nerves to travel up and down the spine.  Some people are just born this way.  However, if you suffer a spinal injury, people with a small spinal canal are at a disadvantage.  After an injury the body will work to heal itself and this causes swelling.  When you have a small space, there is not as much room for the swelling and this can cause pain when the swelling is too close to the nerves.  This means that two people with the same injury, one with a narrow spinal canal and one with a normal spinal canal, can have very different outcomes.  This image will help you better understand what stenosis looks like. Stenosis is not a condition that you can be compensated for in New Jersey workers’ compensation, however, you may still be entitled to a monetary award of the injury to the spine has a permanent impact on your life.   

Probably the most confusing back diagnosis is the difference between a bulging disc and a herniated disc.  

A bulging disc is a common occurrence and can be caused by an injury to the spine.  A bulging disc may also be called a protrusion or slipped disc. A bulging disc stays contained within the disc itself. The ligament is not perforated.

A herniated disc is less common than a bulging disc, but is more likely to cause pain. It may also be called a ruptured disc.  Here, the disc membrane is ruptured and the disc material is invading the spinal canal, probably touching the nerves and causing the pain. This image may help you understand the difference between a herniated disc and a bulging disc. Bulging and herniated discs are often caused by an accident or injury, especially if your job is physical and requires heavy lifting.  A very common cause of either of these conditions is lifting and twisting simultaneously.  These conditions can be treated, but often times, an injured workers has symptoms that may limit their activities at home or work.  In that case, he/she would be entitled to a monetary award.  

If your work related back injury has a permanent impact on your life, please call us for a complimentary consultation.

Vicki Beyer is a Shareholder in Stark & Stark’s Lawrenceville, New Jersey office, specializing in Workers' Compensation Law. For more information, please contact Ms. Beyer.

Tractor Trailer Accidents: Who is responsible when a load spills?

One common cause of accidents involving tractor trailers and other commercial vehicles is cargo falling into the roadway from the vehicle’s bed or trailer. Proper securement of cargo is crucial to the safe operation of a heavy truck. When loads shift or spill, the results are often deadly.  

The trucking industry is governed by many rules and regulations, including the Federal Motor Carrier Safety Regulations. These rules specify, with great detail, the manner in which loads must be secured and the frequency with which the load must be checked to verify that the load has not become loose. Depending on the size, shape and quantity of goods being carried, a variety of specialized equipment is required to secure any given load, such as cradles, special straps, tie downs, shoring bars, etc.

A properly secured load should never spill and when it happens, it is almost invariably due to the fact that the load was not properly secured to begin with, that the driver failed to perform a standard check of the load, or because the securing equipment was in poor condition.

Because of the extreme hazards which can be presented by transporting cargo, the driver of a heavy truck is required to know the rules governing load securement every bit as well as the people who load the vehicle in the first place. Regulations mandate that drivers perform a safety check of their trucks before embarking on a trip. This includes checking the cargo. Additionally, once on the road, the regulations require the driver to perform further checks to insure the load remains properly placed and secured and has not worked loose or otherwise shifted. Given these rules, when a truck spills its load, the responsibility for the accidents typically rests with BOTH the individuals who loaded the truck as well as with the truck’s operator.

Mark Davis is a member of Stark & Stark’s Lawrenceville, New Jersey office, specializing in Accident & Personal Injury Law. For more information, please contact Mr. Davis.

Things to Consider Before Settling Your Workers' Compensation Case

I have met with several new clients lately who have come in to meet with me strictly to settle their workers compensation cases. Now, this is perfectly acceptable both practically and legally, it’s just not the usual course of things. Generally a client comes in to file a workers’ compensation claim when there is a new accident, a need for treatment, a problem with medical bills getting paid or some other issue with their case. We then file the claim petition and start working on their case, requesting treatment, collecting records, filing motions, all depending on what is needed in a particular case.
                            
In these recent cases, however, the petitioner has already completed all of his/her treatment and all I have to do is settle their case. Sounds easy enough. Well it is, but it still involves some work. Once I meet with the client, I have to file a claim petition with the Division of Labor. Then I need to collect all of their medical records for the injuries related to the work accident. This is often the longest part of the process. If the treatment was authorized by the workers’ compensation insurance carrier, we request the records from them directly. If not, we have to write to each medical provider and request the records from the doctor’s offices. Many doctor’s offices are notoriously slow at responding to requests for medical records. Once we have all of the medical records we set up an evaluation with an independent medical evaluator for a permanency exam. Generally these doctors schedule their exams two to three months in advance. Then we write a summary of the medical records to send to the evaluator along with some information about your accident and the job you were performing at the time of the accident.

It can take a month or more to receive the report from the independent medical evaluator. When we have that report, giving a percentage of disability, we are ready to go to court and begin settlement negotiations on your behalf. Of course, the insurance company has to send you to their independent medical evaluator for an exam too and this can take an additional few months to complete. Often though, the insurance company is able to set up their exam first since they have all the medical records to start with.

Now that both sides have permanency evaluations, the parties can go to court and begin negotiating towards settlement of your case. We have to wait for the case to come up on the court list and this happens in 3 week intervals. The petitioner’s attorney makes a demand to the insurance company and most of the time the respondent attorney has to bring the demand back to their client and seek authority for settlement. Then the respondent’s attorney comes back with authority and presents their offer of settlement. The petitioner’s attorney is obligated to relay any settlement offers to their client. We always call our clients in to the office to meet face to face and review the settlement offer. That way we are better able to review medical records with you and answer any questions you may have about the proposed settlement. If we feel that the settlement offer is fair and appropriate we will recommend that you accept it. If not, we will suggest that you turn it down and either go to trial or see if we can re-negotiate the settlement, possibly with the input of the Judge of compensation.

Once all of that is complete, the case is ready to be settled in court before the Judge. So even though these clients came in at the end of their case, there was still a lot of work to do and it can take six months or longer to get it all done and the case ready for settlement.

Alisa Boll is a member of Stark & Stark’s Lawrenceville, New Jersey office, specializing in Accident & Personal Injury Law. For more information, please contact Ms. Boll.

Long Term Care Benefits Available to Injured Workers

If you suffer a catastrophic injury while working, your whole life will change. Under the workers’ compensation laws in New Jersey, the insurance carrier can be required to provide long term care benefits. The only requirement is that the benefits are necessary and the cost is reasonable. Our firm represents the needs of clients who have suffered life altering injuries such as  paralysis, the loss of a limb, or a significant traumatic brain injury.

In New Jersey, workers’ compensation carriers are required to provide a wide range of long term benefits to injured workers. Insurance carriers are required to provide treatment that is “necessary to cure and relieve,” the only requirement is that the costs be reasonable. If you are unable to walk, you will need significant modifications to your home, such as a handicapped accessible bathroom, kitchen with modified countertops and appliances and doorways that can accommodate a wheelchair. In addition, you may require a ramp or elevator just to access your house. These types of improvements are costly, and insurance carriers don’t always voluntarily want to foot the bill.      

Carriers will resist expensive improvements to a home, such as an addition; however, the laws regarding these types of benefits favor the injured worker. In one case, I represented a man who was paralyzed from the waist down after a fall from a roof. The attorney for the insurance carrier declared to me, “We are not buying your client a house,” as he did not have a home of his own – now, after the insurance carrier had to pay the client’s rent every month four years, the carrier is much more willing to buy a house rather than make rent payments for life.   

Any recommendations needs to come from your treating physician initially and a long term care evaluation will also help to determine your current and future needs. This will often involve an evaluation of your home by a specialist to determine what changes are necessary in the short and long term.     

Our office has obtained these types of benefits for current and past clients and has the experience needed to represent workers’ who have suffered catastrophic injuries. In addition to out of work benefits, medical treatment and a permanent disability award, those who suffer significant injuries will need long term care and accommodations. The workers’ compensation attorneys at Stark & Stark have obtained benefits such as monthly rent and utility payments for a client who lost the use of his legs, home modifications for wheelchair bound clients and handicapped accessible vehicles. If you require permanent long term assistance as the result of a catastrophic injury at work, our attorneys have the experience necessary to obtain these benefits.

James Creegan is a Shareholder in Stark & Stark's Lawrenceville, New Jersey office concentrating his practice in Workers' Compensation law. For questions, or to schedule a free consultaiton with Mr. Creegan, please contact him at: jcreegan@stark-stark.com.

Wage Reconstruction in Workers' Compensation Cases for Part-Time Employees

In a previous blog post I discusses wage reconstruction in workers’ compensation cases. I would like to point out that there is a slight difference in the way an injured workers’ wages is constructed when that employee is a part time employee with no full-time work. In this case, a judge of compensation must employ the principles of "fairness and equity" in determining if the circumstances warrant reconstruction of a part-time worker's wages. However, the Appeal court drew a distinction, as did prior cases, for part-time workers - concluding that reconstruction is appropriate when the "permanently disabling accident 'prevents or interferes with later full-time employment.'" (Citing Engelbretson v. AM. Stores, 49 N.J. Super. 19 (App. Div. 1957) aff'd, 26 N.J. 106 (1958).

Determining the 'rate' at which compensation should be paid is often the central issue in claims involving part-time workers. If a worker makes $100 a week as a part-timer, the permanent disability rate (the rate at which permanent disability benefits is paid) would be $70 per week. For an award of 20% of the leg (at the 2011 rates) a part-time worker earning $100 per week is due an award of $4,140.00. A full-time worker, earning wages greater than $290 per week, would be due a "full" statutory award of $13,293.00.

There are many instances where a judge of compensation is persuaded to "reconstruct" a part-time wage into a full-time wage. This results in a much-higher award (in our example, $4,140 versus $13,293). The Judge of Compensation can be persuaded to "reconstruct" wages to a full-time rate because the law allows for wages of a part-time employee may be reconstructed for purposes of fixing the rate for permanent partial disability in accordance with N.J.S.A. 34:15-37 based upon "diminished future earning capacity." 

However, there are equally many cases where the Judge will determine wage reconstruction is not appropriate. Here is an example of a case where wage reconstruction was rejected. In Gruzlovic v. Giovani's Trattoria, A-1519-08T1 (App. Div. Decided April 15, 2010), the appeals court reviewed the decision of a Judge of Compensation who had "reconstructed" part-time wages of a cafeteria worker, resulting in an increased award. The claimant in this case was a 76-year-old woman who worked nine hours per week, earning $10.50 per hour (average weekly wage of $94.50). During the thirteen years the claimant worked for the employer, she did not have or seek additional part-time employment. After the accident at work, the claimant no longer worked, stating simply, "I thought I had my share [of work]." The Judge of Compensation awarded the petitioner 25% permanent partial benefits, and "reconstructed" the rate so that the claimant received the "full" statutory award ($30,420). The Appeals Court overturned this ruling, and ruled that the claimant was only due an award on her part-time work - which would equate to 150 weeks of benefits payable at $66.15 per week, totaling $9,922.50.

In Gruzlovic, the Judge of compensation was reversed and the wage reconstruction was remanded for further proceedings. The Judge was asked to find out whether the accident and resulting residual disability "had any impact on the petitioner’s capacity or inclination to work full-time as opposed to part-time. Based on the fact that the claimant had only worked one day per week for the thirteen years leading up to the accident, the Appellate Court stated 'there is no basis for an inference" that she would have pursued other full- or part-time jobs "but for" her partial disability. The Appeals Panel further stated "when an inference of a loss of potential full-time employment attributable to the accident is not available from the evidence presented, principles of fairness and equity developed to compensate for that lost potential are not implicated and reconstruction of wages is not appropriate."  

The attorney’s at Stark & Stark are familiar with the issue of wage reconstruction. If you have questions about your case or would like to discuss your case in more detail, contact me for a free consultation here in my firm’s Lawrenceville, New Jersey office.     

Alisa Boll is a member of Stark & Stark’s Lawrenceville, New Jersey office, specializing in Accident & Personal Injury Law. For more information, please contact Ms. Boll.

Should I Apply for Social Security Disability Benefits While Receiving Workers' Compensation Benefits?

The above question is one frequently asked by my clients when they have been out of work for a significant period of time after a work-related injury.  While the answer certainly varies depending on the circumstance, as a general rule I encourage my workers’ compensation clients to apply for Social Security Disability benefits once they know they will be out of work for at least 12 months, and feel that they cannot return to their past job, or any other type of work.  While the Social Security regulations do not require a person to be out of work for 12 months before applying for benefits, the regulations do state that your disability must be significant, and that you must prove that you are expected to be out of work for at least 12 months.  Practically in most cases you will be turned down for Social Security Benefits if you apply before you have been out of work for 12 months.  However that does NOT mean you have to wait the full 12 months before you apply for benefits.  If you are not approved in the initial stage, there are several levels of appeals, and this process can take several months, if not years.  It is best to get started sooner rather than later, and get your case in line for a Hearing if that becomes necessary.  In fact the National Organization of Social Security Claimants’ Representatives recently published an article in the January 2012 Social Security Forum that states that once the application for Social Security Disability benefits gets to the Hearing Office in South Jersey, the average processing time is 344 days.  That same article states that the fastest place to process a disability claim is if you live in Shreveport, LA (172 days) and the slowest is St. Louis, Mo (476 days).  The national average to process a claim for Social Security Disability benefits at the Hearing office is 356 days.  In any event, there is no reason to delay applying if you do not feel you are going to be able to return to any type of work.

At Stark and Stark, the same attorney can handle both your Workers’ Compensation case and Social Security Disability appeal.  Please call us for a free consultation at 856-874-4443.

Marci Hill Jordan is a Shareholder in Stark & Stark’s Marlton, New Jersey office, specializing in Workers’ Compensation Law. For more information, please contact Ms. Jordan.

Accidents Involving a Tractor Trailers are Often Times More Serious than Accidents between Private Motorists

What is the impact of trucking accidents?
    
The United States Department of Transportation recently estimated that over 500,000 truck accidents occur every year.

  • One person is injured or killed in a truck accident every 16 minutes.
  • Nearly 5,000 people are killed in truck accidents every year.  
  • Nearly 98% of the time, it is the driver of the other vehicle who is killed in a truck accident.
  • Large trucks are more likely than other vehicle types to be involved in fatal, multi-car collisions.  
  • Statistics show that the majority of fatal trucking accidents occur on weekdays and during daytime hours
  • Driving history may be a significant tool for predicting the risks posed by particular commercial drivers, as statistics show that approximately 27% of large truck drivers who were involved in fatal accidents had at least one prior speeding conviction.

What are the after effects from an accident?
The symptoms arising from an injury sustained in a motor vehicle accident do not necessarily present themselves immediately following the accident. Medical research and clinical experience demonstrate that some delay in the onset of injury symptoms not only happens, it is in fact the norm.  
    
Given the magnitude of the risks heavy trucks present to motorists, everyone should be concerned by these statistics.

Mark Davis is a member of Stark & Stark’s Lawrenceville, New Jersey office, specializing in Accident & Personal Injury Law. For more information, please contact Mr. Davis.

If You're A Juror, Be Careful of your Social Media Useage During a Trial

I recently had a personal injury case of mine proceed to a jury trial. The trial judge, like many others throughout the state and country, warned the jurors throughout the trial not to conduct their own research on the case or look up information on the parties or the lawyers involved. Based on my recollection, no specific instructions were given to the jury concerning the usage of social media during the trial. In courtrooms across the country, however, jurors’ usage of social media has become a hot topic for debate. In previous blog posts, I have discussed some of the potential problems that can arise from a juror’s use of social media during a trial. In past years, before the development of social media, jurors’ communication with the outside world during a trial was not hard to curtail. Now with the boom in popularity of various forms of social media, this has all changed.  

The New Jersey Law Journal recently covered this problem, and its possible solutions, at length.  With an estimated 845 million active users on Facebook posting 2.7 billion comments and likes daily and Twitter posting 175 million tweets a day, it is no surprise that judges have become even more concerned recently about “the incursion of social media into the courtroom and its impact on the fairness of trials.”  Judges typically have broad discretion in determining how to handle the problem when a juror is found to have used social media to discuss some aspect of the trial.   Below are some of the ways that judges have dealt with jurors who have used social media during trials.  

In many cases, a judge may remove a juror from a trial if it is determined that the juror used social media such as Facebook or Twitter to discuss the case during the actual trial. In some cases, though, a judge may allow the juror to remain on the case after a warning. Some judges have actually gone so far as to declare a mistrial whereas others have held the specific juror in contempt of court. In other cases, judges have conducted hearings to determine what information was inappropriately shared by the juror through his or her usage of social media. Judges have also been to known to confiscate phones and other electronic devices during jury deliberations and some even went so far as to take them away from jurors at the start of every trial day. A few judges have been reported to require jurors to sign pledges to refrain from using social media while serving on the jury panel. Along those lines, some other judges had jurors swear a separate oath while others required that reminders be posted in jury rooms. One of the more popular measures is to explain to jurors the reasons why social media is banned from the courtroom, followed by various instructions to jurors throughout the trial concerning the ban on social media.  

Still, perhaps the issue is being overblown. A recent survey of jurors found that of 140 jurors who participated in the survey, only 6 said they were tempted to communicate about the case through social media. All 6 respondents said that they resisted the urge to use social media in the trial due to the judge’s instructions and their duties as jurors. The survey found that judges’ cautionary instructions concerning the ban on social media in the courtroom seems to be working.  

The social media issue has played out in 2 recent trials, with opposite outcomes. The Third Circuit Court of Appeals upheld the conviction of former Pennsylvania State Senator Vincent Fumo on 137 counts of fraud, tax evasion, and obstruction of justice despite Fumo’s claim that a juror’s tweets and Facebook postings about the case during deliberations denied him a fair trial.  The court affirmed Fumo’s conviction and found that there was no substantial prejudice to Fumo because the juror’s comments on Facebook and Twitter were vague and innocuous.

On the other hand, the Arkansas Supreme Court overturned a capital conviction on December 8, 2011 because of a tweeting juror who was being “followed” by a reporter covering the case.  

And lastly, a Florida state court judge in an automobile negligence case last month sentenced a juror to 3 days in jail for contempt of court because he sent a Facebook message to the defendant.

So if you are a juror serving on a trial, be sure to listen to the judge’s instructions concerning the usage of social media.  Otherwise, as you can see, your actions can have far-reaching consequences.  What might seem to be an innocent tweet or post on Facebook can have major ramifications on the integrity of the jury trial process where life, liberty, and property could be at stake.  At best, you might be admonished by the judge and embarrassed in front of everyone else on the jury, and, at worst, you could wreck the whole trial and be sent to jail for contempt of court.           

Stephen Di Stefano is an attorney in Stark & Stark’s Marlton, New Jersey office, specializing in Accident & Personal Injury Law. For more information, please contact Mr. Di Stefano.

Volunteer First Responders Entitled to Maximum Weekly Workers' Compensation Benefits

Missing time from work can be costly. If you miss time due to an injury that occurs while performing your role as a volunteer firefighter or rescue squad worker, you will receive the maximum weekly benefit rate available to injured workers in New Jersey. The workers’ compensation statute provides these benefits to all volunteer fire, first aid or rescue squad workers. Public employers aren’t always so willing to provide these benefits to their volunteers.    

Normally, out of work benefits are based on your average weekly wage. So if you are injured at work and earn $700, your temporary disability rate would normally be $490 per week. In 2012, if you are injured while in the performance of your volunteer duties, you will receive $810.00 per week.

You might think a municipality, county or state agency would protect its volunteers, unfortunately this is not always the case. The simple reason is Money. Public employers are increasingly attempting to cut costs, and weekly benefits are an easy target. Our firm has successfully represented clients in which the municipality claims the volunteer was not in the line of duty when injured and not entitled to the full rate. Municipal employers have also been known to just base the weekly rate on a volunteer’s earnings from his or her actual job. This often results in a significantly reduced weekly rate.   

If you’ve been injured while serving in a volunteer capacity, you need to know your rights. State statue calls for volunteers “doing public fire duty” and “doing public first aid or rescue duty” to receive the maximum benefits available under the law. Public employers need to cut costs wherever they can, and injured volunteers are often an easy target. The activities covered are not limited to injuries suffered responding to a fire, accident or emergency. Construction work on a firehouse, repair work on vehicles and apparatus, participation in search and rescue task force, exhibitions, fund raising and parades are some of the examples in which Volunteers are entitled to this benefit.   

The statute also covers volunteers performing work related to bioterrorism, volunteers working for the Department of agriculture and emergency management volunteers and many other public volunteers.   

Volunteers perform high risk work, which means the injuries can be severe. The worse the injury, the higher the likelihood you will need to miss time from work. At Stark & Stark, our job is to make sure you receive the maximum benefits you are entitled to.

James Creegan is a Shareholder in Stark & Stark's Lawrenceville, New Jersey office concentrating his practice in Workers' Compensation law. For questions, or to schedule a free consultaiton with Mr. Creegan, please contact him at: jcreegan@stark-stark.com.

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