Warning! Warning! Do not get hurt at work in Texas, but if you do, file it under your regular health insurance. GALLAGHER BASSETT is my WC insurance company. They are as evil as can be. This company has denied every test and procedure that my doctors have requested, but by fighting them I finally did receive my necessary treatments.By GB denying my treatments, they only prolonged my suffering.
I injured my back early in 03'at work that resulted in two ruptured disc that caused bilateral radiculopathy. I had problems walking [nuerogenic cladication] and after physical therapy they tried to send me back to work, eventhough my two MRI's, CT Myelogram, EMG, and FCE revealed major problems. I even had epidural nerve blocks done. My neurosurgeons were pushing for surgery in 03', but GB refused to authorize it.
GB has cut my pay off time and time again. I had to file with TWCC to get my benefits reinstated, and that was only by going through several painful BRC's and CCH's. TWCC does nothing to the insurance companies when they violate the law. GB has violated the TWCC Act numerous times in my case and TWCC just sweeps it under the rug like it never happened.
So far, I have dealt with three of GB's corrupt lawyers. One even threaten one of my doctors. He told my doctor that if he authorized any more physical therapy it would hurt his standings with future TWCC patients. This is well documented in my doctor's report.
GB had their doctors do retrospective reviews in my case. Their reports were very conflicting. Once you read them, you realize what GB had done. GB sent their doctors bits and pieces of reports in my medical file. They only sent what they wanted reviewed. This is insurance "bad faith", and it is against the law. Still, TWCC does nothing about this fraud.
By fighting this insurance company, I finally did recieve my back surgery. I had two laminectomies and a spinal fusion [rods, screws] by mid 05'. Yes, that is 2 1/2 years later after my work-related accident.By prolonging my suffering, I now have nerve damage that resulted in a diminished patellar reflex [knee] and an absent achilles reflex [ankle].
But the funny thing is... I have a CCH and an Appeals Panel decison authorizing my surgery that GB refuses to honor. I also finally received an authorization from GB authorizing my surgery. GB states that it will not pay for my surgery. TWCC will not do anything to make them pay. They state that I have to file in district court to get them to pay. TWCC is worthless! Why did I go through this system if they only look out for the insurance companies! Now I know why doctors want nothing to do with the TWCC system... They never get paid!
This is only a short version of what I have been through. My credit is runied and I am about to lose my house. I am still under my doctors care and cannot work. My only income now is from my wife, and she is 8 months pregnant. When the baby is born, she will be off work and that means no income coming in.
Thank you evil and corrupt GB and worthless TWCC... You will reap what you sow!!!
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