Can I Recover Workers’ Comp Benefits if I Had a Heart Attack at Work?

EKG ImageLike many areas in the law, it depends.  If the heart attack occurred during your normal work activities, usually the heart attack injury is not compensable under North Carolina workers’ compensation laws.  For the injury to be compensable, the worker must show the heart attack was caused by some unusual or unexpected event and was in the course and scope of employment.

A good example would be an administrative assistant, who had a “desk job,” was on the first floor of a fifteen-story building.  Due to a power outage, the elevators were temporarily not working.  The worker’s supervisor told the worker to quickly go to the twelfth floor, via the stairs, to pick up some important documents. As the worker was going up the stairs she began to breath hard and over exerted herself.  As the worker reached the tenth floor, she began to have chest pain and suffered a heart attack.  This is a compensable act because this was not the normal routine of the administrative assistant to run up twelve flights of stairs.  Her normal job was to have a sedimentary job at her desk. She suffered a heart attack due to this “unusual event” of her running up ten flights of stairs. This injury should be covered under the workers compensation laws.

What if the employer knew the administrative assistant had a preexisting heart condition?  This would be irrelevant. The heart attack would still be compensable because the employer “takes the employee as they find them.”

What if a convenience store employee had a heart attack as an armed robber came into the store with a shotgun and pointed the shotgun at the clerk?  This would probably be compensable injury because it is not the “normal duties” of a convenience store clerk to have a shotgun pointed at them.

What if a store clerk was checking out a customer and the clerk had a heart attack?  Would this be compensable under the workers compensation laws?  Probably not, because the clerk was doing his “normal and customary duties ” when he suffered the heart attack.  Nothing out of the ordinary caused the clerk to have the heart attack.

The bottom line is, there must be some act or accident outside of the normal course of employment that caused the heart attack. There must be a causal connection between this act and the resulting heart attack. If you are looking for a Charlotte workers’ compensation attorney or Greensboro workers’ compensation lawyer be sure to contact us today.

Upside Down or Under Water on Your Home? Bankruptcy May Help!

With the decline in the housing market many people find they are “upside down” or “under water” on their home.  In other words, do you owe more for the house than what it is worth?  If that is your situation and you have two or more mortgages, you may find that Chapter 13 bankruptcy is an option you have never considered.

Young Family in Front of House

Let’s look at an example where Chapter 13 bankruptcy may help you:

You have a home with a fair market value of $150,000.  Three years ago the house was worth $200,000.

You have a first mortgage on the home for $160,000 and a second mortgage or HELOC for $40,000.  In other words, you owe more on the first mortgage than the house is worth.

You can easily make the first mortgage but the second mortgage is more than you can afford.

You know it will be several years before the house is valued at $200,000 again.

As a result, you are stuck making two or more mortgage payments on the home and it isn’t worth it.

You are contemplating a short-sale which leaves you without a home and a “ding” on your credit or you are considering walking away from the home and letting the mortgage company foreclose.

If this is your situation, you should consider a Chapter 13 bankruptcy.  With the Chapter 13 bankruptcy, you may be able to “strip” or eliminate the second lien/mortgage.  Within the bankruptcy, you are able to eliminate the lien on the house as long as you complete the Chapter 13 bankruptcy within the three to five years required by the bankruptcy laws.  The number of years you must be in the bankruptcy will depend on your specific situation.  Let’s use the example above to see how it might work for you.

Your first mortgage is $1,100 per month.

You have $10,000 in credit card debt, a $2,000 personal loan and $750 in medical bills.

You owe $40,000 on the second mortgage that may be eliminated in your Chapter 13 bankruptcy.

You meet with the bankruptcy attorney and determine that you qualify for a Chapter 13 bankruptcy and it appears you are eligible to strip the second lien in the bankruptcy.

Your Chapter 13 plan payments are estimated at $1,300 – $1,500 including your first mortgage and other debts including the second mortgage.

Once the bankruptcy is filed, your attorney will file a lawsuit or adversary proceeding against the mortgage company or they may be able to simply file a motion to strip the lien.  Each bankruptcy court has their own requirements, so you should speak with your bankruptcy attorney to determine what must be completed in your case.

Once this process (either adversary proceeding or motion) is completed, the bankruptcy court will issue a judgment or order that voids the second lien on the house as long as you complete and receive a discharge in your Chapter 13 bankruptcy.

Once the bankruptcy is discharged and completed, three to five years after you file, you will resume payments on your first mortgage but the second mortgage and the other debts listed in your bankruptcy are eliminated and you will not be responsible for making payments on these debts in the future.

As a result, if you decide to sell your house in the future, you will only be required to pay off the first mortgage.  The second mortgage is no longer a factor.

This is obviously a simplified approach, so you should seek the advice of a bankruptcy attorney to see if stripping your second or third mortgage or HELOC is an option for you.  You are thinking this must be too good to be true otherwise someone would have mentioned this to you before!  It really is fairly simple.  This is just one way a Chapter 13 bankruptcy may assist you in keeping your home when you are upside down or under water.

Can a Creditor Call Me At My Job?

Open Laptop - KeyboardHave you ever had a creditor or debt collector call you at work?  After the shock of the call wears off, you wonder “can they do that, is that legal?”  The answer of whether it is legal in North Carolina depends on your specific situation.

North Carolina General Statutes, Article 2, Section 75-52 outlines what is considered harassment by a debt collector.   Subsection 4 specifically addresses phone calls made by debt collectors to an individual’s place of work.  There are two key component to this subsection that help determine whether calling you at work is considered legal under the North Carolina Statutes.

Did you provide your work telephone number to the creditor or debt collector at any point in time thus telling them it is okay to contact you at work?

Does the creditor or debt collector have another telephone number to contact you at during non-working hours?

If you provided the debt collector your work telephone number, you may have unintentionally given them permission to contact you at work.  As a result, you want to correct that problem by telling the creditor or debt collector that the work telephone number is no longer a good number to reach you, and you are requesting they no longer contact you at that telephone number.  In addition, you will need to provide another telephone number they can contact you at during non-working hours.  If you do not provide the creditor or debt collector with another valid telephone number where they can contact you, they may continue to contact you at work even if you have asked them to stop calling you there.  Why, because the work number is the only telephone number they have to contact you.

You can easily stop creditors or debt collectors from contacting you at work,  however, you must provide them with an alternative number you can be reached during non-working hours.

If I Become Depressed Due To An Incident on the Job Can I Collect Workers’ Compensation Benefits?

Research on a White LaptopDepression caused by an accident or incident on the job is usually compensable.  However, there must be a medical doctor or a licensed psychologist opinion that the depression was caused by the incident or accident.  You cannot claim you feel depressed without a professional opinion substantiating the claim of clinical depression.

For example, a new healthcare worker was asked to assist rescue workers with the recovery of bodies of a major airplane crash.  Several children on the plane were killed and their bodies were badly damaged. The healthcare worker had children the same age as some of the plane crash victims.  The healthcare worker was severely depressed after the incident and needed psychological counseling.  This type of treatment is usually compensable.

If an employee was injured on the job and lost an arm, this, too, would cause depression for most persons.  The counseling needed by this person is usually compensable as part of their medical expenses.

Again the key factors are the depression must be work related and there must be a professional clinical diagnosis of depression. This depression must be related to and caused by the employment of the person (employee).

If you think you may be suffering from depression from an incident that occurred while you were working, you should speak first with a health care professional. After you have received proper care, you should then speak with a workers’ compensation attorney to determine if the depression may be compensable under workers’ compensation laws.

Can I Collect Workers’ Compensation If I Get Injured In the Parking Lot Of My Employer?

Construction Worker Carrying 2 by 4'sGenerally speaking, it may be difficult to receive a workers’ compensation benefits if you are injured in your employer’s parking lot. However, there are some exceptions. There are several conditions that must be met for you to receive workers’ compensation benefits for an injury that occurred in your employer’s parking lot.

If you are injured during the course and scope of your employment, in other words, if you are doing your job and are injured in the parking lot of your employer or any parking lot, the injury is compensable. This may be true even as you are walking from your car to the building or from the building to your car.  The key factor here is the wording “during the course and scope of your employment.”

Second, normally the parking lot must be owned, possessed, or controlled by the employer. If this is not the case, and you were not performing your job, the injury is usually not compensable.  What if you were across the street in an adjacent parking lot which was not controlled by your employer immediately before work? You slipped and fell on the adjacent parking lot before you entered the premises of your employer. This injury is usually not compensable.

The term  “during the course and scope of employment” is essential in receiving workers’ compensation benefits.  This is true even if an accident occurred in the parking lot of your employer.

For example, on your day off you bring your friends to your employer’s ice covered parking lot. You decide to show them your potential Olympic ice skating skills. You slip on the ice and break your leg. Is this a compensable injury? Probably not. Why not? Because you were not performing your job. It was your day off and the ice skating skills you were showing your friends had nothing to do with your job duties. The injury was not in the course and scope of your employment, even though it happened on your employer’s parking lot.

However, if your employer told you (as part of your job duties) to take some potential customers to the parking lot and impress them with your skating skills as a marketing gimmick for the employer, the injury would probably be compensable.

If you believe you have suffered an injury in the parking lot of your place of employment that you should be able to recover for under workers’ compensation, contact an attorney immediately to discuss the specifics of your case.

Can I Collect Workers’ Compensation Benefits If I’m Injured On the Way To Or From Work?

Arriving to North Carolina on RoadwayGenerally, injuries sustained going to and from work are not compensable as a workers’ compensation injury.  However, there are a few exceptions to this general rule. The following is a list of injuries that may be compensable under workers’ compensation.

First, if the injury occurred on the premises of the employer as the employee is arriving or leaving work, the injury may be compensable. A common example would be a person slipping on an icy spot as they step onto the employer’s parking lot as they arrive for work.

Next, if the employee is performing a “special errand” for the benefit of the employer.  For example, the employer may ask the employee to stop by a paper goods store to pick up a case of copy paper on his way home after the employee has “clocked out,” and the employee is injured in an accident before they get to the store, but after they leave the employer’s premises, the injury will probably be compensable.

Another example is when the employee leaves their home, but instead of going directly to work, the employee must go by and see a customer of the employer.  If an injury occurs driving directly to visit the customer, the injury is usually compensable.  In the alternative, if the employee is a salesperson and in route to visit a customer and the employee decides to stop by a bar and have a few drinks and falls and injures himself in the bar, this injury is usually not compensable. This is commonly known as a “frolic and detour”.

A final example of a compensable injury is when an employer is responsible for carrying the employee to and from work as part of the employment contract.  For example, the employer has agreed to pick up construction workers at their home and carry them to the construction site.  Along the way to the construction site, the employee is injured in an automobile accident, this injury is usually compensable.

The workers’ compensation rules surrounding injuries that occur going to or from work are complicated; you should speak with a workers’ compensation attorney regarding the specifics of your situation to determine whether you may be able to file a workers’ compensation claim due to your injuries.

What Is Considered A Transfer For Bankruptcy Purposes?

Young Family with ChildrenIf you are filing bankruptcy then a portion of your bankruptcy petition called the Statement of Financial Affairs asks if you have made any transfers.

Section 10 of the Statement of Financial Affairs requires you to, “list all other property, other than property transferred in the ordinary course of the business or financial affairs of the debtor, transferred either absolutely or as security within 2 years immediately preceding the commencement of this case. (Married debtors filing under Chapter 12 or Chapter 13 bankruptcy must include transfers by either or both spouses whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed.)”

So what exactly does that mean?  It means if you have sold a major tangible asset such as a house, car, Jet Ski, boat, ATV, basically anything that is titled, tagged or taxed, needs to be listed in this area.  Also, if you have transferred ownership, this information will be included in this area as well.  So for example, you buy a car for your 16 year old, and after they graduated, you transferred the title to their name, then that transaction would need to be included in this area as well.  Any property sold or transferred within the last 2 years must be listed in your bankruptcy. We encourage our clients to tell us about any property that has been transferred in the last five years.

Beware though; the bankruptcy Trustee will want to see what you received for this transaction.  Did you sell a house that was worth a million dollars, owned free and clear, for $5 bucks?  This is his way of catching Debtor’s trying to “beat” the system.  In such a case, the Trustee would reverse the transfer, sell the property and use that money to pay off your debts.  Anything remaining would go to him.  If you have sold or transferred a property within the past 5 years it is critical to discuss that transfer with your attorney so he or she may advise you correctly.