First let me say that I really don’t want to get beat up here. It’s taken me a very long time to build up the courage to do this and I am just looking for opinions. It probably seem a bit rambly, but I will answer any questions and the more questions asked, the better it will be for me to gather my thoughts in a single space. Some of the effects of the accident are my short term memory is quite bad and I have a very hard time concentrating for any amount of time, especially doing paperwork or writing.
Back when I posted this in 2009, Who says I have to follow the rules? - Great Debates - Straight Dope Message Board , I was really asking because when something went horribly wrong in my life, nobody involved followed the rules. This lack of abiding by the rules has cost me everything I have worked for in my life. So here it goes…
In October of 2005 I was electrocuted at work. I was checking for voltage on a CNC machines bussbar when my right hand contacted the bussbar. The machine runs 600 volts DC. The guy I was working with told me after it happened that I had stuck to the bussbar for three to five seconds. He said he had enough time to reach for a 2X4 to try to knock me off of it, but when he turned around I had come off of it. I did not lose consciousness and there was no entry of exit wound. I did however feel very unusual. I decided that I should go to the hospital and reported the accident to the proper people. I drove myself to the hospital with my co-worker coming with me. They examined me at the hospital and released me. Every test result came back within normal limits. I returned to work later that afternoon, but I still did not feel quite right. I returned to the hospital the following day after work and the doctor told me to take a few days off. I stayed at work for the next two days because I had to drive my co-worker around and then get him to the airport so he could return home. After a few days they sent me to see a neurologist who told me to take another week off and I should be fine. This continued to the point of the doctors saying that 18 – 24 months was the maximum recovery time for a brain injury. This part is not really where the problems started.
Around the end of November, I was contacted by the Workers Compensation Board (WCB) asking me if I was injured at work. I told them that I had been electrocuted and asked why they were contacting me. They told me that they had received a bill from the hospital and that there was no accident reported. As it turns out the company that I worked for, I was a sub-contractor at the place the accident happened, did not have workers compensation coverage and that the accident was never reported. Now let me explain that the company that I worked for was a very large European company that did 1.1 billion dollars in sales a year and the company that I was working at was also one of the largest parts manufacturers in the world for there type of manufacturing. This left me against them so you can imagine the odds. The WCB screwed me around for months while they tried to figure out what to do. My employer continued to pay me for the months of November and December but just at my flat rate of pay then they stopped paying me. In the meantime I had applied for my Long Term Disability (LTD) and there was a seventeen-week waiting period. In the middle of March of 2006 WCB contacted me and told me that they had decided to back date the coverage for my employer and they would pay me back to January, 2006. Please keep in mind that all this time the doctors were saying that I would be fine and back to work in no time, which was what I had expected. My LTD came in on the third week of February so at least now I had some income. When my WCB came in mid March I now had two checks coming in and it seemed that I had an awful lot of tax-free income coming in. I called the controller of my employers company, who looked after the benefits from my work insurance (LTD), and told him that it seemed as though something was wrong. He told me that I was entitled to receive both. I have a taped phone conversation in which he states this. I should add that in April of 2004 I had just purchased a new home and we had spent all of our savings on that purchase so money was quite tight. In June of 2006 I contacted my LTD supplier and told them the same thing about the money and was told that my best bet would be to wait until the end of the year and they would make the necessary adjustments. At that point I stopped spending the LTD checks. Because I was now making about a third of what my regular income was I was feeling the pinch, and really believed that I was going to return to work, so we had used our credit cards to survive. When Christmas of 2006 came around, we were pretty broke so I talked to my wife and we decided that we could take some of the LTD checks and put them on our credit cards so that we could buy some Christmas presents. My thinking at the time was that it would be like an interest free loan and that we would pay it back once everything was straightened away. In January of 2007 the LTD supplier cut me off first saying that I had no medical evidence to support my claim. Which was obviously untrue, then they changed their reason to that I violated the policy and was double dipping and did not report it. To shorten it up, I can provide more details if necessary, they wound up suing me for close to thirty thousand dollars in overpayments. I do have most of the evidence to prove that I had contacted them and told them that I was in receipt of WCB payments. I wound up having to counter sue them and this is still unresolved.
In June of 2006 I contacted the Department of Labour (DoL) to get a copy of the accident report, and they had no idea what I was talking about. Always here in Canada the Labour Department investigates accident in the workplace that are as severe as mine. It turns out that the accident was never reported to them. I called them about a year later as a follow up and they said that my case worker had the copy of the accident report, there is no DoL report in my file. And while I am on this subject, how could they do an accident investigation without speaking to the only two people who were there to see it. Now would be a good time to mention that my co-worker was from Europe and had returned three days after the accident.
Over the course of the next five years I was sent to many medical professionals, most of who were paid for by the WCB, and all said that there was no way I could return to work. They also said that I was not a good candidate for retraining. I have seen four neurologists, a pain specialist, a neuro psychologist twice, psychiatrists, psychologists, ent’s, a vocational rehabilitation specialist and even three days testing with rehab specialists, all said there was nothing they could do for me. There were more but I can’t think of them now.
The trade off of workers Compensation coverage in Canada is that you can’t sue your employer. However since my employer did not have coverage when I was hurt I thought I would have a right to sue and recover some of the lost earnings. I was only 38 when I was injured and the lost income alone is in the millions of dollars. I worked for my employer for two years and had no coverage all that time. I can’t figure out how you can get insurance after an accident, it would be like smashing your car with no insurance and then trying to get insurance coverage for that accident, it’s not going to happen.
Here’s an interesting point. The WCB states that you are required to have coverage if you have three or more employees working for you. If you have less than three employees you can buy special coverage. This coverage is based on every ten thousand dollars of income paid to the employee. If you do not have coverage this leaves you liable for damages resulting from an accident or it would be put on the WCB bill of the business that owned the property that you were working at. In this case a percentage of payroll and they had over 200 people making in the twenty dollar an hour range, it would have been a drastic increase to their WCB premiums. At first my employer sent two letters saying they did not need coverage because they only had one employee in this province, they were from a different province. They then received a letter from the company I was working at that stated if they had more than three employees that they would qualify for coverage, so they sent a letter to WCB saying that they had three employees working in my province. This was not true, I was the only one from my province that worked there. Any other employees from my employer would not qualify for coverage because any time they were here they were traveling from there home province in which they would be covered by there own provincial WCB. This makes them ineligible to be covered by the WCB from my province. As a side note my employer would occasionally send someone to help me with large jobs and they never stayed more than five days.
I have had three lawyers on this and they have all wasted their time. My first lawyer was a friend of mine who agreed to try to get me some information and he was stonewalled. The second one was from one of the largest law firms in the province. When I explained my case to them they decided to take me on as a client. They had one meeting with the WCB and dropped me stating that it would cost too much and take too long to win. This firm had sent as letter to the WCB and cc’d me. The letter asked some specific questions, I would have to dig it out to get the questions, but they would not answer them. I took my copy of the letter to my friend the lawyer and asked him to send it on his letterhead and see what they would say. They would not even acknowledge receipt of it. The third lawyer I saw basically told me the same as the first and told me to just take the money they were giving me and make the best of it.
As of right now I have lost almost everything. I have had to sell belongings to feed my family, the bank took my house and to be honest I have almost completely lost my mind. I have been a less than ideal parent and husband, I’m no longer the happy go lucky guy I once was. My family has suffered just as much as I have, having to deal with my avoidance, irritability and lack of understanding, not to mention the financial hardships. The frustration and stress that I have been put through over the last eight years has been nothing short of torture. I have been a victim of fraud and lies by the government, the insurance company and my employers. I have no desire to live in poverty for the rest of my life, to see my wife and kids struggle and have to constantly say no to them or to have to make decisions on whether it’s going to be food or heat. I did nothing wrong, I was injured at work. As I have always said “If this had been above board the whole time, there would be nothing I could do about it, but I was screwed over and I can’t just let that ride.”
I know this is long and broken, but I have held this inside for eight years and I have a very hard time talking about it. I was talking to one of my doctors a few weeks ago and we were discussing the closure of an addiction services center .The clients got involved and started an information campaign, which resulted in the re-opening of the center. The part that I took away from the conversation was when he said that these people had the courage to band together and out themselves as addicts to fight for a place that helped them. I realized right then that the one thing I lacked was the courage to put it all on the line and try to do the right thing, and that is what I am trying to do now, so please bare with me.
I have lost all faith in the system and have a hard time trusting anything anyone says to me. I can’t let it go until I know I have done everything in my power to resolve these issues, and it seems that going public and trying to fight it on my own is the only way. As I said before I will answer all questions that I can and this will help me get all the details in one spot. I am scared to death to post this, I have always been afraid to rock the boat to much in case they took away the little that I have left, but no more. Win lose or draw I want to be able to say I did everything I could to right this and if it stops it from happening to anybody else, well that’s good too.
I am coming to the “Dope” first because I know that you guys will be skeptical and ask all the right questions. This will help me organize myself and I would truly appreciate the help.
So I guess my questions are… What do you think? and What would you do?