I was in a Home Depot looking at ceramic tile

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PostPosted: Fri Feb 26, 2010 11:44 pm   Post subject: I was in a Home Depot looking at ceramic tile  

I was in a Home Depot looking at ceramic tile and 4 boxes started to fall and I tried to stop 3 of those boxes from breaking my foot. The boxes hit my shin on my left leg and it caused a contusion. I have about $4,000.00 worth of medical bills and I needed an mri done but the company only had liability so I wasn't able to get the medical treatment I deserved. I had just received my cna license and I wasn't able to start working because of the injury. The adjuster wants to settle the case but I want to know what is a reasonable amount to ask for. I still have pain and my shin is still swallen under the skin and it has been 7 months.

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PostPosted: Sat Feb 27, 2010 1:45 am   Post subject:   

Home Depot is a client of mine. Although with limited liability, they are also self-insured, which changes things a bit. What do you mean that you did not recieve the treatment you deserved? After you were released from care, they didn't pay/ reiumburse you for your treatment ($4,000)? What kind of treatment did your care provider recommend (you deserved) that was denied?



Quote:
4 boxes started to fall and I tried to stop 3 of those boxes from breaking my foot




I see some responsibility on your part. You were just looking at tile (not touching the boxes) and they just fell over?





Quote:
but I want to know what is a reasonable amount to ask for




No one can answer that. What has been submitted to the adjuster?



Quote:
I still have pain and my shin is still swallen under the skin and it has been 7 months.




Really from a contusion (fancy medical term for a bruise)? What does your doctor have to say about this?
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PostPosted: Sat Feb 27, 2010 1:51 pm   Post subject:   

Home Depot is not a self insured company. The have benefits just like anyone else. Sorry, but you are mistaken.


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PostPosted: Sat Feb 27, 2010 2:36 pm   Post subject:   

Guest, it is you that are mistaken. Home Depot is a self-insured company. Yeah they do offer benefits like everyone else. The difference is, they pay out of pocket for those benefits versus paying premiums to an insurance company for coverage of their employees. Don't believe me, call your local Home Depot and ask.

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PostPosted: Sun Feb 28, 2010 1:48 am   Post subject:   

A lot of large companies are self insured and their employees don't even know it. You may have an insurance card with BCBS or Cinga on it, but they only administer the policy. The money that pays the claims comes from the employer - hence self employed.



There are even companies that are self insured for their property up to a certain amount and for liability up to a certain amount.



Quote:
What do you mean that you did not recieve the treatment you deserved




Just guessing here. OP doesn't have medical insurance and Home Depot is not going to pay for an MRI up front. They will only pay the final settlement.


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PostPosted: Sun Feb 28, 2010 3:01 am   Post subject:   

Quote:
e but the company only had liability so I wasn't able to get the medical treatment I deserved.
Quote:
What do you mean that you did not recieve the treatment you deserved?




I'm guessing the OP meant that HD does not have Med Pay... only liability. So the medical bills were not paid up front.
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PostPosted: Tue Mar 02, 2010 5:53 pm   Post subject:   

Quote:
HD does not have Med Pay... only liability.




They do have med pay, it's just limited. However, for a contusion Rolling Eyes I can gaurantee that if they were liable, they would have paid it.
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PostPosted: Tue Mar 02, 2010 6:04 pm   Post subject:   

If HD has MP (which I don't see how they would if they are self insured) then they would have paid for the OP's medical treatment up to their limit. I did not get the impression that this was done.

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PostPosted: Tue Mar 02, 2010 8:59 pm   Post subject:   

Many self-insured companies have MP, or technically would be called SIR (self insured retention). Companies policies may have SIR for injuries or cargo, merchandise etc. HD does, but it is limited. However, I can't see why they would not have paid it, but given the circumstances of the incident they may not have accepted 100% liability.

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