[QUOTE=Parks71]If I settle with W/C, would my insurance fixe my back for me? The reason I ask is when I first hurt my back, they W/C docs kept telling me its a muscle. They said it would take years for it to recover. I kept working through the pain. I then rehurt it about 13 months later and told them it was NEVER right and I need to see a DR.
They said, its been over a year since you seen a DR so your claim is expired. My regular insurance would then have to pick that up right?
So if I were to settle this time, My insurance would pick it up after a year of not seeing a dr? Am I right here?[/QUOTE]
There is a time line, but since your claim was accepted, I believe that you can go back and re-open the claim. Are you still working at the same job? It all gets so messy. You might try looking into other's claims and see how they handled it.
I hurt my back eighteen months ago. The case was closed because I wanted to go back to work there, eventually. But, I have the option of going back and re-opening the claim. I have not had any other injuries inbetween and have been seeing the same docs all along.
As for private insurance, if they think that it is work related, they won't cover you. They will demand their money back from WC.
It is an uphill battle,