My husband was injured on the job in 11/06 ~ tore his labrum in his right shoulder. Two surgeries later, he is still in pain ~ his orthopedic doctor referred him to a shoulder specialist in Philadelphia who stated that he is bone on bone and needed a allograft (cadavers meniscus between his humeral head and glenoid (shoulder bones) The consultation was approved by his WC and after the consultation surgery was scheduled, with no peep from WC. After the healing time, he is in worse pain than ever. In the meantime we have been to court once, the WC insurance wanted to settle for $80,000 but said that he was responsible for all PAST and future medical and this is when we found out that the last surgery was denied!! Three months after the surgery!! The hospital at that point was never notified of a denial! So now he goes back to the specialist and they said he has advanced osteoarthritis and that to be pain free he needs a shoulder replacement. So the surgery is scheduled and being submitted to his personal insurance. Now we have a hearing again this Thursday and they are offering $70000. We are at wits end and don't know what to do. More than likely he will be able to go back to his job. He has VA benefits for any future medical problems. Are we wise to take the $70000 sttlement? Please help (respond) with any knowledge or advice for us. since he has been off for 1 1/2 years our credit is getting screwed up after we had just fixed it, $1000 every two weeks does not cut it when we have 5 kids. They almost put people in positions to take a lump sum to help their financial ruin.
Anxiously awaiting responses.
Kelly in Reading, PA