I reached MMI 20 years ago. They told me that I was "not awarded" lifetime medical and was given 10% disability. Well, I made it thru college, got a job, and have been dealing with my injury myself using my own medical insurance.
Recently, I have been having MAJOR issues with this old injury. So much so that I am losing work, going to see 3 different types of doctors (PCP, Chiropractor, Ortho), and am not doing very well at all.
Going to a specialist on Monday that is going to do an MRI and probably an injection. There is even talk of surgery. But this leads me here to ask these questions.
1. If this is from the same disk injury (will be be proven by the MRI), will they deny me for a pre existing condition?
2. Do I contact the old Workers Comp OMSBUDSMAN? Or insurance company? Or get a lawyer?
3. What do I do if I am totally disabled from this now? Which is what it is looking like.
I am very scared at this point. Don't want to lose my job. Don't want to be disabled. And don't want to be told that I am pre existing and not be able to have the treatment I need.
Any and all opinions will be appreciated.