Multiple Chemical Sensitivity and workers compensation

Posted on Mar 01, 2009 by Susie Collins in Blog, Disability Rights, MCS, Michael Walkup

In order to obtain workers compensation benefits, you must be able to show the work place “caused, aggravated, or accelerated” your impairment.

Post by Michael Walkup.

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In my last article, I discussed the pitfalls of going after disability insurance benefits for people who have become unable to work due to Multiple Chemical Sensitivity (MCS) and/or Environmental Illness (EI). Here, I will discuss workers compensation benefits.

Workers compensation benefits involve state, rather than federal law, and therefore may differ somewhat from state to state. You should consult with a workers’ compensation lawyer in your state if you are seriously contemplating pursuing a workers compensation claim.

Having said that, most workers compensation laws are broadly similar and tend to be patterned on the earlier states to enact them, which includes my state. I used to practice extensively in workers compensation claims in my state before I developed MCS.

In general, workers compensation claims are intended to provide an alternative to lawsuits where an individual becomes injured as a result of the conditions of their employment. Benefits are limited to weekly payments usually of two-thirds of pre-injury earnings, payment of medical expenses related to the injury, and, in some cases, lump sum payments. They are handled outside of the court system in special administrative agencies in each state which generally have a relatively informal arbitration system in place to resolve disputes. Appeals may then be taken to court. Appellate review is typically limited to determining if the decision of the agency is “against the manifest weight of the evidence.”

In order to obtain workers compensation benefits, you have to be able to show that the work place “caused, aggravated, or accelerated” your impairment. Additionally, you must show that the employment “increased the risk” of the injury or impairment beyond that which would be experienced by the public at large outside of the employment.

In MCS/EI cases, work related connections tend to fall in one of two broad categories: (1) exposure to noxious chemicals; and (2) “sick building syndrome.”

Chemical exposure cases

What I am calling “chemical exposure cases” refers here to exposures in the workplace to chemicals that are generally regarded as dangerous and toxic, and which are not usually found outside of the workplace. As an example, one of my clients worked as a custodian for a school district which had an indoor pool. There were two lines that fed chlorine on the one hand and an acid on the other, which ran through the area in which she worked. One night the lines had both sprung leaks and the liquid from both had combined on the floor to produce a pool of hydrochloric acid. When she arrived in the morning she was greeted by a cloud of hydrochloric acid fumes and developed lung problems.

This is clear enough. The problem came next. After this exposure, not only did she become sensitive to hydrochloric acid and other strong chemical fumes, but to perfumes and other normally occurring chemicals. Although she was moved out of the maintenance department and given a job working in a classroom, she continued to experience symptoms from fragrances, cleaning products, etc., and sought total disability from the school district.

Unfortunately, I was advised by the workers compensation attorney in her state to whom I had referred her, that the state’s Industrial Board would only recognize her as having limitations to the type of chemical to which she was exposed, and was unlikely to be willing to expand that to a recognition that she could develop a sensitivity to chemicals to which other people do not react. We had a similar case in my state which involved my own EI doctor as the expert witness. This is probably common in many states and you should check with a local attorney who is knowledgeable in workers compensation in your state for further advice.

“Sick building” cases

The second broad area in which these claims can arise is the so called “sick building syndrome” in which people who are confined in newly constructed or newly remodeled buildings where the windows don’t open develop symptoms. We had a well known case in our state where one of the large suburban counties built a new complex for their court system and moved everyone out there from the older turn of the century buildings that had been used up to that time.

Shortly after everyone had moved in, a number of people started complaining about symptoms. Over the next few weeks the number of complaints grew to the point where they had to completely close down the new complex and move everyone back into the old buildings. It took over a year of retrofitting of the new building before they could move back in, and many of them filed workers compensation claims. I practiced there at the time and can tell you it was very inconvenient to keep shuttling back and forth.

Ironically, I happened to run into the architect for the building at a party shortly afterwards and listened to him complain at length that there was nothing wrong with the building and it had all been a case of “mass hysteria.” I explained to him that it wasn’t so much his design of the building as the fact that it was filled with new carpeting, synthetic fabrics, new computers, etc., and the windows didn’t open.

My own allergist has been on the local high school board for 25 years and insisted that the new high school, which my daughter attended right after it was finished, be hypo-allergenic and chemically safe. The building is constructed of cinder block, has no carpeting on the floors, and has windows in every room that can be opened. The computers in the computer lab are vented to the outside. No one has had any complaints since it opened.

If you do elect to pursue a workers compensation claim, you need to check out the case history in your state to see what they will recognize. Any such case will probably cost you several thousand dollars in expert witness fees and may or may not be successful.  Again, some states are much more enlightened than others on this issue.

Be aware that any benefits you receive under workers compensation may cause a reduction or “offset” on any disability benefits you may receive from Social Security, as well as on any disability benefits under an insurance policy. See my website for information on how this may be avoided in some cases.

Link to all columns by Michael Walkup.

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Michael Walkup is an experienced disability practitioner with more than 25 years experience in the disability law field. In 2001, he became disabled due to Multiple Chemical Sensitivity (MCS), Chronic Fatigue Syndrome (CFS) and Fibromyalgia Syndrome (FMS). He now provides a service to advise clients with potential disability claims who have MCS, CFS and/or FMS. As these programs and law are usually federal, he is able to practice in all 50 states and, therefore, represent clients regardless of location.

Michael is a long time Sustaining Member of the National Organization for Social Security Claimants’ Representatives, the only national body for disability representatives. He is also certified as a Federal Trial Lawyer and is admitted to the U.S. Court of Appeals for Veteran’s Claims.

Michael would welcome the opportunity to possibly help with disability claims. For more information, visit his website MCS Legal Help at walkuplaw.com. Contact info: email MJWalkup@Amertech.net or call 866-880-4878.

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8 Responses to “Multiple Chemical Sensitivity and workers compensation”

  1. Jasmine

    01. Mar, 2009

    This topic stirs up a lot of emotions for me. Part of me needed to let it go when my insurance company denied me short- and long-term disability. I hired a lawyer and we jumped through all the hoops, but Standard Insurance’s experts’ opinions always beat out those of my doctors.

    The fine print which excluded MCS and FMS caused my lawyer and I to focus on my Migraines, but they would come back saying it’s a pre-existing condition and that I haven’t provided enough documentation to show a worsening of my condition (which is impossible to do objectively — high-five to you Standard Insurance…I hope everyone who helped deny my claim enjoyed a nice fat bonus).

    I can relate a lot to this article:
    http://www.cfids-me.org/disinissues/ins1.html

    Part of me wishes I had pursued this further. Not for the damn money, but to prevent these LIARS from denying other sufferers.

    Reply to this comment
  2. Jasmine

    01. Mar, 2009

    A little background: I became sensitized to chemicals in the workplace, but not from the chemicals I worked with. I performed tissue culture for a pharmaceutical company in San Diego, CA. Following strict aseptic technique, every time I worked with cell lines and/or the chemicals used to harvest adherent cultures, freeze or thaw cell lines, etc., I used a laminar flow hood.

    After my department moved from a huge, open laboratory to an enclosed room, I started noticing chemicals on my co-workers. I could tell who walked into the room based on their perfume seconds before seeing them. At first it was funny, but after some time I was noticing acute Migraine attacks. I had become sensitized to these chemicals, and certain days I felt trapped because of them, which caused anxiety.

    Because of this increase in the frequency and intensity of my Migraines I took more and more Migraine abortives like Imitrex and Excedrin. Unfortunately this was causing Rebound Migraines. After my first Migraine-related trip to the ER I realized I had to put my health before my paycheck.

    For months I tried to educate my co-workers on what their favorite lotion and perfume was doing to me, but there were always those few who didn’t care enough to stay out of my work space or to stop wearing scented products if they worked closely with me.

    I thought about worker’s comp but was it really my job that caused more pain or my peers? And because all my employer could do was ask co-workers to “voluntarily” comply I felt I had no choice but to leave.

    I had just hoped that the same LTD company I paid into would help me once I became too ill to work.

    Reply to this comment
  3. Michael Walkup

    01. Mar, 2009

    As I said in my earlier article, don’t expect your employer sponsored insurance plan to come to your rescue as there are too many “outs” factored into their contracts and the way the court system is required to handle these types of claims. I was successful for someone with Standard who had a lot of CFS and FMS symptoms to go along with her CFS. However, she paid for her own plan so it was not employer sponsored, which helps a lot.

    WC is also very problematic and varies a lot from state to state. As I will explain in a later article, your best bet is probably the Social Security disability avenue.

    Reply to this comment
  4. Jasmine

    02. Mar, 2009

    Thank you MIchael, to Standard Insurance’s surprise I applied for SSDI and after some time was approved.

    Reply to this comment
  5. Susie Collins

    02. Mar, 2009

    Jasmine, thank you for sharing your story. I’m sure others can learn from your experience. I’m glad you finally found a safety net, but it saddens me to know you lost your livelihood and that you still suffer so. No one should have to go through that. I just want to give you a big hug and tell you that I hope you are finding a way to feel productive and at peace despite your health issues.

    Michael, thanks much for these articles. You are very kind to share this detailed info so openly with us. Mahalo!

    Reply to this comment
  6. Jasmine

    05. Mar, 2009

    Thanks Susie, hugs to you! I am at peace with my decision with the exception that if I had done more (like Susan McBride) I could have helped others so much more.

    Reply to this comment
  7. Susie Collins

    05. Mar, 2009

    Oh good, Jasmine. It’s good to be at peace with decisions even though in retrospect you might have done something different. It’s really hard figuring out what do to when it’s all new issues and you’re not feeling well. In the future you may find that what you learned from the experience will be invaluable for helping others in ways you now cannot imagine. Life is funny that way— years later you are able to do amazing things not imagined because of a “bad” decision. This is why one of my favorite movies is Run, Lola, Run. Excellent flick for anyone wishing they’d done something differently.

    Reply to this comment

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