AVOIDING A NON-COMPETE CLAUSE IN AN EMPLOYMENT CONTRACT

BY: Attorney Mark Wolfe

The purpose of this article is to explain why analysis of a non-compete clause can be legally complex and what you can do to void or avoid a non-compete clause so as to expand future employment opportunities.

The validity of a non-compete clause in an employment contract is a common question faced by employees either when thinking about leaving a job or after leaving a job. Many times, the mere existence of a non-compete clause can interfere with future employment opportunities.  While questions about the validity of a non-compete clause are common, the answer often requires a detailed legal analysis of a variety of laws. Even if the validity of the non-compete clause is questionable or unenforceable, prospective employers may shy away from hiring someone subject to a non-compete clause for fear of legal repercussions. This is why you may want to consider hiring a lawyer to help challenge the validity or application of a non-compete clause. If you are subject to a non-compete clause in your employment contract, the first thing you need to do is determine the legal strength of the non-compete clause and then determine a strategy to either void the non-compete clause or avoid the application of the non-compete clause. [See Case Study below] What follows are some general legal issues and concerns related to non-compete clauses:

JURISDICTION :There is no Federal or uniform law regarding non-compete clauses in employment contracts. This means each State has its own laws and regulations regarding the validity of non-compete clauses. Some States have detailed statutes and regulations on the scope and duration of a non-compete clause.  Other States have no regulations on non-compete clauses but rather rely on prior case law decisions regarding the validity of non-compete clauses. A few States prohibit non-compete clauses with some exceptions related to bona fide trade secrets while others hold that certain jobs cannot be subject to non-compete clauses. Every State is different regarding its validation of a non-compete clause. So, the first step in analysis is determining which State law applies to the non-compete clause. While this may seem simple enough, this determination can be very complex. Many times, an employment contract will have a “Choice of Law” clause wherein it is declared what State laws will apply to the employment contract. Yet there are certain restrictions on the use of Choice of Law clauses in contracts. Generally, a nexus or connection between the parties and the State is required. If the Choice of Law clause is not valid or there is not one in the employment contract, the next analysis is what State’s law may apply. If the employer and employee are both in the same State, then the law of that State would apply to the analysis of the non-compete clause. But if the employer has its principal place of business in another State and the employee is a resident of another, then determining which State’s law may apply may require a factual analysis. With that said, generally, if an employment contract is going to “cross State lines” or involve multiple jurisdictions, it will have a Choice of Law provision.  So, the first issue faced when trying to determine the validity of a non-compete clause is what State law is applicable to the contract analysis.

APPLICATION OF LAW: Most States that regulate non-compete clauses require some limitation on the duration and geographic scope of the non-compete clause. In other words, how long it can last and what is the breadth, or geographic reach, of the non-compete agreement. Once the applicable law is determined then an analysis of the terms of the non-compete clause must be done. Specifically, does it comply with the applicable legal requirements.  The factual construction of the terms of the non-compete clause and the applicable law may provide areas of differing interpretations and hence call into question the validity of the non-compete clause.

VOIDING OR AVOIDING THE NON-COMPETE CLAUSE: After an analysis of the applicable law and the terms of the non-compete clause has been done then the most critical step is either voiding the clause or avoiding the clause. To void the clause will most likely require legal action either in an appropriate Court of law or through the contractually mandated Arbitration procedure. This process will cost significant money in legal fees and expenses. While this may sometimes be done via a class action lawsuit, litigation and high legal fees are not your main objective. The objective is simply to develop a strategy to avoid the non-compete clause to prevent it from being a hindrance to your future employment. The best-case scenario is to present the employer with a well-presented legal argument for avoidance of the non-compete agreement. In other words, you’re not trying to force the employer to “void” the non-compete clause completely for all your co-employees but rather simply getting them to agree that in your case it will not be enforced.  Most of the time this process involves several communications with the employer and its legal team to help establish a communication channel with the appropriate person or department. Before a Request to Avoid is submitted, you need to make sure it is going to someone within the company that has the appropriate authority to void the clause or limit its enforcement. Once an agreement is reached, it needs to be put into writing with all applicable terms such as confidentiality.  With the agreement in writing, you can truthfully tell future employers that you are not subject to a non-compete clause.

RECENT CASE STUDY: Jonathan was terminated from his employment with Company X as a sales representative for alleged under performance. A fact he strongly disputed. He was subject to a one-year non-compete clause in his employment contract. Jonathan immediately began seeking new employment, but every interview included the question, “are you subject to a non-compete clause?” Jonathan later said, “they didn’t ask me anything about the details of the non-compete clause, rather it was like the mere existence of the non-compete clause was a strike against hiring me.”  After four months of having the employment door slammed in his face, Jonathan hired Attorney Mark Wolfe of Boteler Richardson Wolfe to develop a strategy to avoid the non-compete clause.  His employment contract dictated what State law would apply. After reviewing the applicable law, Attorney Mark Wolfe noted the clause did not comply with the applicable laws of the State of jurisdiction AND the State of jurisdiction recognized a tort claim for wrongful or improper termination. With this analysis completed, Attorney Mark Wolfe then helped guide Jonathan through a series of emails with his former employer. After a series of emails from Jonathan, as guided by Attorney Mark Wolfe, the company agreed in writing not to enforce the non-compete clause in Jonathan’s employment contract. Without this encumbrance, Jonathan was able to find a sales job in his field within six weeks!

CONCLUSION: An experienced lawyer can help you determine the validity and strength of the non-compete clause in your employment contract and he or she can help you develop a strategy to avoid the negative impact a non-compete clause can have on your future employment opportunities. If you would like a free initial consultation about a non-compete clause in your employment contract, please contact Mark Wolfe at 251 410-7761 or by email at mark@brwlawyers.com, please reference “Non-Compete ?” in the subject line.

REQUIRED DISCLAIMERS: Alabama Rule of Professional Conduct 7.2: No representation is made that the quality of legal service to be performed is greater than the services provided by other lawyers. The Mississippi Supreme Court advises that a decision on legal services is important and should not be based solely on advertisements. Free background information is available upon request to a Mississippi attorney. The listing of any area of practice by a Mississippi attorney does not indicate any certification of expertise therein. See Mississippi Rules of Professional Conduct Rule 7.2(d), Rule 7.4(a), Rule 7.6(a) (1997). Statement in compliance with Florida Bar Advertising Rules: “The hiring of a lawyer is an important decision that should not be based solely upon advertisements. Before you decide, ask us to send you free written information about our qualifications and experience. [Florida Rule 4-7.2(d)]. General Disclaimer: This information is posted for general information purposes to help those interested parties or persons with potential civil claims better understand their rights and potential causes of action. If readers are currently represented by an attorney on the subject matter of this post, then they are encouraged to continue with said representation. No attorney-client relationship is established by this post.

Why You Should Have an Attorney Review Your Employment Contract

There are many reasons you should have a proposed employment contract reviewed by an attorney. These reasons not only include fully understanding such terms as non-compete clauses or restrictive covenants, venue and choice of law terms, arbitration conditions, training repayment agreement provisions (commonly known as TRAPs) and compensation calculations. But having an employment contract reviewed by an attorney can provide you with an avenue or opportunity to modify the terms of the employment contract so it is a little more favorable for you. Many people who are confronted with an employment contract rush in and sign it without fully reviewing or understanding the terms and conditions of the contract. They are reluctant to have the contract reviewed for fear it may anger their new employer. Yet, having a contract reviewed by an attorney before signing demonstrates good judgment.  Your new employer had the contract you are about to sign drafted by their attorneys and they have their meaningful contracts reviewed by their attorneys

before signing, so you should not be afraid to do the same. Unfortunately, many times people don’t become aware of the details of their employment contract until they decide to leave employment or are terminated. Yes, an attorney can help in that situation as well but fully knowing the terms and conditions of your employment contract before you sign can greatly assist you when you choose to exit employment.

Mark Wolfe is an attorney with a practice that spans, Florida, Mississippi, Alabama and Georgia. He has helped executives, doctors, engineers, nurses and salespeople with employment contract reviews and employment issue resolution. A typical employment contract review includes an initial consultation, a redline and highlight review of the contract and a post review consultation with suggestions for modifications.  He can even help negotiate the changes on your behalf. Call before you sign! 251 410-7761 or text 251 533-9548.

REQUIRED DISCLAIMERS: Alabama Rule of Professional Conduct 7.2: No representation is made that the quality of legal service to be performed is greater than the services provided by other lawyers. The Mississippi Supreme Court advises that a decision on legal services is important and should not be based solely on advertisements. Free background information is available upon request to a Mississippi attorney. The listing of any area of practice by a Mississippi attorney does not indicate any certification of expertise therein. See Mississippi Rules of Professional Conduct Rule 7.2(d), Rule 7.4(a), Rule 7.6(a) (1997). Statement in compliance with Florida Bar Advertising Rules: “The hiring of a lawyer is an important decision that should not be based solely upon advertisements. Before you decide, ask us to send you free written information about our qualifications and experience. [Florida Rule 4-7.2(d)]. General Disclaimer: This information is posted for general information purposes to help those interested parties or persons with potential civil claims better understand their rights and potential causes of action. If readers are currently represented by an attorney on the subject matter of this post then they are encouraged to continue with said representation. No attorney-client relationship is established by this post.

Remote Working and Potential Violations of the Fair Labor Standards Act

Remote Working and Potential Violations of the Fair Labor Standards Act

Introduction: The advent of remote working has brought about significant changes to the traditional workplace dynamic. With the increasing prevalence of remote work arrangements, it is essential to consider the potential implications for labor laws and regulations. One notable concern is the potential for violations of the Fair Labor Standards Act (FLSA), a key piece of Federal legislation designed to protect workers’ rights. This article explores the challenges and potential violations that may arise in the context of remote work and how employers and employees can ensure compliance with the FLSA.

1. Misclassification of Employees: One of the primary areas where violations of the FLSA can occur in remote work arrangements is the misclassification of employees. Employers must correctly classify workers as either employees or independent contractors, as this determination significantly affects their entitlement to certain labor protections. Misclassifying employees as independent contractors can lead to violations of the FLSA, as independent contractors are exempt from many of the act’s provisions.

2. Overtime and Compensation: Another area of concern in remote work is ensuring proper compensation for overtime hours worked. Under the FLSA, non-exempt employees are entitled to receive overtime pay at a rate of at least one and a half times their regular hourly wage for any hours worked beyond 40 hours in a workweek. The challenge with remote work is accurately tracking and recording employees’ hours, particularly when they have flexible schedules or engage in off-the-clock work. Failure to accurately account for and compensate for overtime can result in FLSA violations.

 

3. Off-the-Clock Work: Remote work may blur the boundaries between work and personal life, leading to potential violations of the FLSA’s regulations regarding off-the-clock work. Employers must ensure that employees are not performing work-related tasks outside their designated work hours without proper compensation. Answering work emails or attending virtual meetings after hours, for example, should be considered as work time and compensated accordingly to comply with the FLSA.

4. Meal and Rest Breaks: The FLSA mandates that employers provide meal and rest breaks to non-exempt employees. However, remote work arrangements may lead to challenges in ensuring that employees are taking appropriate breaks. Employers must communicate clear policies to remote workers regarding their entitlement to breaks and provide mechanisms for tracking and documenting these breaks. Failure to provide employees with adequate breaks can result in FLSA violations.

5. Record keeping: Accurate record keeping is crucial for FLSA compliance, but it becomes more challenging in remote work scenarios. Employers must etablish robust systems to track employees’ work hours, breaks, and any other relevant information to ensure compliance with the FLSA. Proper record keeping helps resolve disputes and provides evidence of compliance in case of an audit or investigation.

Conclusion: While remote work offers numerous benefits for both employees and employers, it is important to address the potential violations of the Fair Labor Standards Act that may arise. Employers must ensure that remote workers are properly classified, accurately compensated for overtime, not performing off-the-clock work, provided with adequate breaks, and maintain thorough record keeping. By addressing these concerns, employers can navigate the complexities of remote work while upholding their legal obligations under the FLSA, ensuring fair treatment of employees, and mitigating the risk of labor law violations. If you believe your employer may not be fully compensating you for your time, call Mark Wolfe at 251 410-7761 or send an email to mark@brwlawyers.com and put “employment compensation?” in the subject line.

REQUIRED DISCLAIMERS: Alabama Rule of Professional Conduct 7.2: No representation is made that the quality of legal service to be performed is greater than the services provided by other lawyers. The Mississippi Supreme Court advises that a decision on legal services is important and should not be based solely on advertisements. Free background information is available upon request to a Mississippi attorney. The listing of any area of practice by a Mississippi attorney does not indicate any certification of expertise therein. See Mississippi Rules of Professional Conduct Rule 7.2(d), Rule 7.4(a), Rule 7.6(a) (1997). Statement in compliance with Florida Bar Advertising Rules: “The hiring of a lawyer is an important decision that should not be based solely upon advertisements. Before you decide, ask us to send you free written information about our qualifications and experience. [Florida Rule 4-7.2(d)]. General Disclaimer: This information is posted for general information purposes to help those interested parties or persons with potential civil claims better understand their rights and potential causes of action. If readers are currently represented by an attorney on the subject matter of this post then they are encouraged to continue with said representation. No attorney-client relationship is established by this post. The above article was written with the assistance of ChatGPT.

 

Water Supply Contamination Claims

PFAS Contamination in Our Water Supply?

Per- and polyfluoroalkyl substances (PFAS) are a group of man-made chemicals that have been used in industry and consumer products worldwide since the 1950s. They are found in m

any everyday products, including food packaging, textiles, and non-stick cookware. PFAS can enter the environment through manufacturing facilities, airports, and military installations where firefighting foam containing PFAS was used. These chemicals are persistent in the environment and can accumulate in the human body over time.  According to an analysis by the Environmental Working Group (EWG), an independent research and consumer watchdog organization pushing to limit exposure to chemicals through water, food and household products, some level of PFAS have been found in water samples of 2,790 communities across 49 statesMore recent testing found high PFAS levels in drinking water in 34 major US citiesSome researchers say nearly every source of surface water in the country is contaminated.

The EPA has not established national drinking water regulations for PFAS.  However, in 2022 the EPA revised its health advisory to conclude that some negative health effects may occur with concentrations of PFAs substances in water that are below the EPA’s ability to detect at this time. The lower the level of PFAs substances, the lower the risk to public health. For information regarding Alabama Department of Environmental Management’s recent testing of the state’s water supply:  https://adem.alabama.gov/programs/water/drinkingwater/files/AllPFASResults.pdf

Numerous lawsuits have been filed against PFAs manufacturers.  The U.S. Judicial Panel on Multidistrict Litigation has consolidated and centralized these lawsuits in an MDL (Multidistrict Litigatio

n), and appointed U.S. District Judge Richard M. Gergel to preside over coordinated discovery and pretrial proceedings out of the District of South Carolina. You may be eligible to file a lawsuit for PFAs exposure.  Currently, Boteler Richardson Wolfe is representing clients who:

  • Received a diagnosis of testicular or kidney cancer since 2000.
  • Drank from a contaminated water supply from 1990 to present for over six months. (Each claimant must be able to establish exposure to the contaminated water supply).

If you have any questions regarding your eligibility, call us @ 251.433.7766.

REQUIRED DISCLAIMERS: Alabama Rule of Professional Conduct 7.2: No representation is made that the quality of legal service to be performed is greater than the services provided by other lawyers. The Mississippi Supreme Court advises that a decision on legal services is important and should not be based solely on advertisements. Free background information is available upon request to a Mississippi attorney. The listing of any area of practice by a Mississippi attorney does not indicate any certification of expertise therein. See Mississippi Rules of Professional Conduct Rule 7.2(d), Rule 7.4(a), Rule 7.6(a) (1997). Statement in compliance with Florida Bar Advertising Rules: “The hiring of a lawyer is an important decision that should not be based solely upon advertisements. Before you decide, ask us to send you free written information about our qualifications and experience. [Florida Rule 4-7.2(d)]. General Disclaimer: This information is posted for general information purposes to help those interested parties or persons with potential civil claims better understand their rights and potential causes of action. If readers are currently represented by an attorney on the subject matter of this post then they are encouraged to continue with said representation. No attorney-client relationship is established by this post.

Hair Relaxer Lawsuits

Hair Relaxers

A recent study by the National Institutes of Health found that women who used hair straightening products more than four times in the previous year were twice as likely to develop uterine cancer than those who did not use them. The study noted that approximately 60 percent of the participants who reported using straighteners in the previous year were self-identified Black women. The researchers did not collect information on brands or ingredients in the hair products the women used. However, they noted the presence of several chemicals found in straighteners (such as parabens, phthalates, bisphenol A, metals and formaldehyde) that could be contributing to the increased uterine cancer risk observed. “We estimated that 1.64% of women who never used hair straighteners would go on to develop uterine cancer by the age of 70; but for frequent users, that risk goes up to 4.05%,” said Alexandra White, PhD, head of the NIEHS Environment and Cancer Epidemiology group and lead author of the study.

Soon after the study was released, many users of the hair relaxer products filed lawsuits against the manufacturers such as L’Oreal and Revlon throughout the county. Several of these lawsuits have noted that the risks of developing cancer are more substantial among Black women, who make up the overwhelming majority of consumers of hair relaxing products. The U.S. Judicial Panel on Multidistrict Litigation decided earlier this year to consolidate and centralize all hair relaxer cancer lawsuits in an MDL (Multidistrict Litigation), and appointed U.S. District Judge Mary M. Rowland to preside over coordinated discovery and pretrial proceedings out of the Northern District of Illinois.

Boteler Richardson Wolfe is pursuing product liability claims to file in the North District of Illinois against hair straightener and hair relaxer manufacturers. If you used a hair straightener and/or relaxer products and have received a diagnosis of uterine cancer or ovarian cancer, you may have a potential claim. Please call us at 251.433.7766 for a free consultation.

REQUIRED DISCLAIMERS: Alabama Rule of Professional Conduct 7.2: No representation is made that the quality of legal service to be performed is greater than the services provided by other lawyers. The Mississippi Supreme Court advises that a decision on legal services is important and should not be based solely on advertisements. Free background information is available upon request to a Mississippi attorney. The listing of any area of practice by a Mississippi attorney does not indicate any certification of expertise therein. See Mississippi Rules of Professional Conduct Rule 7.2(d), Rule 7.4(a), Rule 7.6(a) (1997). Statement in compliance with Florida Bar Advertising Rules: “The hiring of a lawyer is an important decision that should not be based solely upon advertisements. Before you decide, ask us to send you free written information about our qualifications and experience. [Florida Rule 4-7.2(d)]. General Disclaimer: This information is posted for general information purposes to help those interested parties or persons with potential civil claims better understand their rights and potential causes of action. If readers are currently represented by an attorney on the subject matter of this post then they are encouraged to continue with said representation. No attorney-client relationship is established by this post.

 

 

Sometimes it Pays to Get a Second Opinion on Your Legal Matter!

BRW attorney Mark Wolfe recently helped a client that had her auto-crash claim turned down by a law firm that advertises heavily on TV and billboards. Ms. B. had called the TV law firm right after her crash. A man had run a stop sign and hit her car. She suffered injuries to her foot and ankle as well as bruises to her chest from the seat belt and she had a neck strain. The TV law firm declined her potential claim because the accident report stated the at-fault driver did not have liability insurance. Also, it appeared that Ms B. did not have uninsured motorist coverage* for her auto-policy on her car. On the recommendation of a friend, Ms. B. contacted Mark Wolfe who conducted an insurance coverage investigation. He was able to locate coverage for Ms. B.’s injury claim and prosecuted the claim on her behalf. Wolfe, stated, “because some of the TV law firms work on such a high volume of potential cases through their intake centers, they miss or do not have time to dig a little deeper to try and find coverage.” He went on to say, “TV lawyers and law firms certainly have a place in our legal community and they can be a good option for smaller or less complex claims and cases, but sometimes their intake protocol and review procedures don’t fit every matter.” As Ms. B. found out, sometimes it pays to get a second legal opinion on your claim or case!

If you have a personal injury matter and would like a free consultation with Mark Wolfe or any of the BRW lawyers, please call Mark today at 251 410-7761 or text him at 251 533-9548. Consultations are free and our lawyers are licensed to practice in Alabama, Mississippi, Florida and Georgia.

*Ala Code Section 32-7-23 requires all policies of automobile insurance sold in Alabama to provide uninsured motorist (UM) coverage UNLESS it is specifically rejected in writing on the application. Without the noted rejection of  UM coverage, it will be afforded.

 

REQUIRED DISCLAIMERS: Alabama Rule of Professional Conduct 7.2: No representation is made that the quality of legal service to be performed is greater than the services provided by other lawyers. The Mississippi Supreme Court advises that a decision on legal services is important and should not be based solely on advertisements. Free background information is available upon request to a Mississippi attorney. The listing of any area of practice by a Mississippi attorney does not indicate any certification of expertise therein. See Mississippi Rules of Professional Conduct Rule 7.2(d), Rule 7.4(a), Rule 7.6(a) (1997). Statement in compliance with Florida Bar Advertising Rules: “The hiring of a lawyer is an important decision that should not be based solely upon advertisements. Before you decide, ask us to send you free written information about our qualifications and experience. [Florida Rule 4-7.2(d)]. General Disclaimer: This information is posted for general information purposes to help those interested parties or persons with potential civil claims better understand their rights and potential causes of action. If readers are currently represented by an attorney on the subject matter of this post then they are encouraged to continue with said representation. No attorney-client relationship is established by this post.

 

 

 

Denied Life Insurance Benefits

denied life insuranceBy Attorney Mark Wolfe

[A portion of this article was auto-generated by Chat GTP] If you were denied life insurance benefits, the first thing you should do is find out why. You should receive a letter from the insurance company explaining the reason for the denial. If not, request a written explanation. This should be done in writing and should always include the policy number, the decedent’s name and  his or her date of birth and date of death. Common reasons for denial include inaccurate or incomplete application information, a pre-existing medical condition, or risky behavior such as smoking or extreme sports.

Once you understand the reason for the denial, you can take action to try and appeal the decision. Here are some steps you can take:

  1. Review your policy: Read the policy carefully and make sure you understand the terms and conditions. Make sure the insurance company followed the proper procedures and complied with the terms of the policy.
  2. Contact the insurance company: Call the insurance company and ask for a detailed explanation of why your claim was denied. You may also want to ask for a copy of your policy and any other relevant documents.
  3. Once you know the insurance company’s reason for denying the benefits, consult with an experienced life insurance benefit attorney as soon as possible. Most experienced life insurance benefit attorneys provide free consultations. An attorney with experience handling life insurance benefit claims  can review and analyze the basis for denial and determine if you have a viable claim for benefits. This may include an appeal of the denial with the insurance company or a lawsuit against the company. IMPORTANT NOTE: Some life insurance policies have very strict time limits for an appeal and require an appeal be submitted before a lawsuit can be filed. The appeal process may have very technical legal compliance requirements.  Failure to comply with these requirements may prohibit further legal action.

If you have been denied life insurance benefits and would like a free legal consultation with an experienced life insurance attorney, contact Mark Wolfe today at 251 410-7761 or text him at 251 533-9548. Consultations are free and our lawyers are licensed to practice in Alabama, Mississippi, Florida and Georgia. Mark has also worked with associated attorneys on life insurance claims in many States.

REQUIRED DISCLAIMERS: Alabama Rule of Professional Conduct 7.2: No representation is made that the quality of legal service to be performed is greater than the services provided by other lawyers. The Mississippi Supreme Court advises that a decision on legal services is important and should not be based solely on advertisements. Free background information is available upon request to a Mississippi attorney. The listing of any area of practice by a Mississippi attorney does not indicate any certification of expertise therein. See Mississippi Rules of Professional Conduct Rule 7.2(d), Rule 7.4(a), Rule 7.6(a) (1997). Statement in compliance with Florida Bar Advertising Rules: “The hiring of a lawyer is an important decision that should not be based solely upon advertisements. Before you decide, ask us to send you free written information about our qualifications and experience. [Florida Rule 4-7.2(d)]. General Disclaimer: This information is posted for general information purposes to help those interested parties or persons with potential civil claims better understand their rights and potential causes of action. If readers are currently represented by an attorney on the subject matter of this post then they are encouraged to continue with said representation. No attorney-client relationship is established by this post.

GETTING FULL VALUE FOR YOUR PERSONAL INJURY CLAIM

GETTING FULL VALUE FOR YOUR PERSONAL INJURY CLAIM
by Attorney Mark Wolfe
mark@brwlawyers.com

Most people who have a personal injury claim from a car accident or a slip and fall have no idea how the insurance company analyzes that claim to determine how much money it should pay as compensation. Regrettably, many attorneys do not know this information either. This lack of knowledge often results in settlements that are not reflective of the full value of the claim.

There are two primary areas for evaluation and assessment of the value of a personal injury claim. These are liability and the injuries that are claimed to have been suffered. But before the adjuster begins the analysis of these two areas, the first thing to be determined is coverage. That is, was the at-fault party’s coverage in effect at the time of the incident and/or is the claim a “covered loss” under the policy.

If the claim is determined to be covered under the policy, the next step is to determine liability. That is was the insurance company’s customer responsible for the accident or the incident and are there any viable defenses to the liability claim such as contributory negligence by the claimant. If the claim can not be denied based upon the liability analysis then the next question for the insurance company to answer is “how much money should we pay on this claim?” This is where understanding the personal injury claim “valuation” process is critical for claimants and their attorneys!.

Every major insurance company that provides liability coverage to its customers now uses a Computer Assisted Claim Evaluation (CACE) program to assess and determine the “value” of a personal injury claim. Understanding how these programs work is critical in assuring full value for a claim. These programs have been around for over 30 years and are always being refined and “improved.” Data and information is input into the program and the program establishes a “value” for the claim. Every company has rules and guidelines for their adjusters on how much they can deviate from the CACE valuation. These programs can analyze and assess hundreds of data points. These data points are commonly called “value drivers” and they can either be positive, meaning higher value, or negative, meaning lower value. These value drivers are applied to pre-set parameters or concepts and can include hundreds of data points for consideration.

The most common and fundamental value drivers for a personal injury claim are the treating doctor’s diagnostic code(ICD) and treatment code (CPT). See: https://www.simplepractice.com/blog/icd-codes-and-cpt-codes/ for a more detailed explanation of these codes. But these codes only establish a “baseline” for evaluation and many other value drivers are analyzed by CACE programs to arrive at a final evaluation. The following example will clarify how these value drivers work and how insurance companies are constantly refining these programs.

Medications are a common value driver that are factored into the value of an injury claim. The CACE program will have a standard or anticipated “normal” medication level and duration for the CPT codes for an injury. The “value” of pain medication for the CACE program works under the pre-set parameter that the stronger the medication and the longer it was taken the more pain the claimant must have experienced. Therefore “pain and suffering” values are often correlated to the medication and usage data input by the adjuster with the ICD and CPT codes. Recently more and more insurance companies have “disconnected” the automatic pain medication value driver for certain injuries nor are they giving credit for medication simply because a medication or prescription is referenced in the medical records. Many CACE programs now require an actual receipt for the medication before the adjuster can input the medication into the CACE program for pain and suffering consideration. The insurance company’s logic is that just because a pain medication was prescribed does not mean it was taken. And if there is no proof the prescription was filled then the program defaults to an assumption it was not taken and then the computer assumes the claimant was not hurt bad enough to need the medication and therefore no enhancement for “pain and suffering” in the final evaluation. Also for example, if a pain medication had two refills but there is no proof of a refill the CACE program assumes the claimant was no longer having significant pain complaints so as to require the refills. Therefore the valuation is reflective of this assumption.

There are many other value drivers that can positively or negatively effect the insurance company’s evaluation of a personal injury claim. Issues such as a delay in care or inconsistency of care are “red flag” value drivers that quickly push down the insurance company’s evaluation. Yet often these negative value drivers can be nullified or eliminated with simple documentation or information. Some value drivers are subjective and require an adjuster to input his or her opinion about the claimant. One such value driver is “Claimant Veracity.” Insurance companies have many different ways to input this information but many use a simple numerical rating scale. “On a sale of one to five, rate the claimant’s honesty.” A strong veracity rating is important especially since many adjusters are trained to believe most injury claimants are faking or exaggerating their injury for monetary gain. Therefore they are often quick to assign a lower veracity rating to a claimant. Again, there are several simple things a claimant can do to insure a high veracity rating for the adjuster and the CACE program.

These simple examples show how complex the proper presentation of an injury claim can be. These programs are often the reason legitimate injury victims are under compensated when they try to handle their claim without a lawyer. Even if the claimant has a lawyer, he or she can still be under compensated if the attorney is not aware of how these programs and the “value drivers” can effect the settlement amount.

If you’ve been injured because of someone else’s carelessness or negligence, you deserve to get full compensation for your injuries. Yet the reality today is that the insurance companies use of Computer Assisted Claim Evaluation programs has made it difficult for victims to get full compensation on their own or with an attorney who does not fully understand the complexity of these programs. If you have a personal injury matter and would like a free consultation with Mark Wolfe or any of the BRW lawyers, please call Mark today at 251 410-7761 or text him at 251 533-9548. Consultations are free and our lawyers are licensed to practice in Alabama, Mississippi, Florida and Georgia.

 

REQUIRED DISCLAIMERS: Alabama Rule of Professional Conduct 7.2: No representation is made that the quality of legal service to be performed is greater than the services provided by other lawyers. The Mississippi Supreme Court advises that a decision on legal services is important and should not be based solely on advertisements. Free background information is available upon request to a Mississippi attorney. The listing of any area of practice by a Mississippi attorney does not indicate any certification of expertise therein. See Mississippi Rules of Professional Conduct Rule 7.2(d), Rule 7.4(a), Rule 7.6(a) (1997). Statement in compliance with Florida Bar Advertising Rules: “The hiring of a lawyer is an important decision that should not be based solely upon advertisements. Before you decide, ask us to send you free written information about our qualifications and experience. [Florida Rule 4-7.2(d)]. General Disclaimer: This information is posted for general information purposes to help those interested parties or persons with potential civil claims better understand their rights and potential causes of action. If readers are currently represented by an attorney on the subject matter of this post then they are encouraged to continue with said representation. No attorney-client relationship is established by this post.

 

 

 

Camp Lejeune Justice Act of 2022

Camp Lejeune Justice Act
by Mark Wolfe, Attorney at Law

What is the Camp Lejeune Justice Act? The Camp Lejeune Justice Act of 2022 is a proposed bill that will allow those harmed by exposure to toxic water supplies at Camp Lejeune from 1953-1987 to seek reparations and damages for harms they have suffered or may have suffered from exposure to the toxic water supply at Camp Lejeune, North Carolina. The bill passed the U.S. House of Representatives in March and passed the U.S. Senate on June 16, 2022. The Bill now awaits President Biden’s signature for enactment into law.

Why was the Camp Lejeune Justice Act Needed? Federal laws and North Carolina’s statute of repose prohibited service members or their families from making claims against the United States for injuries and damages suffered from the exposure to the toxic water supply. It has been estimated by the Department of Veterans Affairs that almost 900,000 service members along with their families were exposed to the contaminated water supply at Camp Lejeune.

How contaminated was the water at Camp Lejeune? The water supply at Camp Lejeune during the period between 1953 and 1987 was found to have contained a number of volatile organic chemicals (VOCs) at levels as high as 280 times the standard safety level for drinking water. The specific toxic chemicals detected in Camp Lejeune drinking water include trichloroethylene (TCE), tetrachloroethylene (also called perchloroethylene, or PCE), vinyl chloride, and benzene.

What illnesses or diseases have been linked to exposure to the contaminated drinking water at Camp Lejeune? Several years ago the Veterans Administration identified 8 diseases that were presumed to be caused by exposure to the contaminated drinking water at Camp Lejeune. This list included:

Kidney cancer,
Liver cancer,
Bladder cancer,
Non-Hodgkin’s lymphoma,
Adult leukemia,
Multiple myeloma,
Parkinson’s disease,
Aplastic anemia and other myelodysplastic syndromes (MDS cancers).

Because pregnant women and children were at highest risk for exposure it is suspected that various childhood cancers, breast cancer, miscarriages and various birth defects all may be attributable to exposure to the toxic water supply and Camp Lejeune. The list of additional diseases and damages which may be attributable to exposure to the contaminated water supply at Camp Lejeune continues to be expanded through ongoing medical research and studies.

Who qualifies to make a claim for damages from exposure to the contaminated drinking water at Camp Lejeune? Any service member or family of a service member that was exposed to the contaminated water supply at Camp Lejeune for more than 30 days from August 1, 1953 through December31, 1987 and who suffered one or more of the injuries or diseases associated with exposure is eligible to make a claim. The diseases and conditions associated with exposure to the contaminated water supply at Camp Lejeune are: Kidney cancer, liver cancer, bladder cancer, Non-Hodgkin’s lymphoma, Adult leukemia, multiple myeloma, Parkinson’s disease, aplastic anemia and other myelodysplastic syndromes (MDS cancers). Because pregnant women and children were at highest risk for exposure it is suspected that various childhood cancers, breast cancer, miscarriages and various birth defects all may be attributable to exposure to the toxic water supply and Camp Lejeune. The list of additional diseases and damages which may be attributable to exposure to the contaminated water supply at Camp Lejeune continues to be expanded through ongoing medical research and studies..

What’s the process for making a claim for damages for exposure to the contaminated drinking water at Camp Lejeune? A formal claim procedure has not yet been established but the bill will require that a claim be submitted to the appropriate Federal agency for consideration before a lawsuit can be filed. Any lawsuit that is filed must be in the Federal jurisdiction approved by the Bill.

When should a claim for damages from exposure to the contaminated water supply at Camp Lejeune be started? The Bill as currently approved by the House allows 2 years from the date of enactment to bring a claim and an additional 180 days after the claim is denied to file a lawsuit for damages.

Do I need to hire an attorney to help me with my claim for damages for exposure to the contaminated water supply at Camp Lejeune? From a practical stand point the answer to this question is YES! Navigating the Federal Tort Claims Act, complying with the burden of proof regarding medical causation as defined in the Bill and following the statutory guidelines for presenting and prosecuting a claim will most likely require the assistance of an attorney. The good news for claimants is that most lawyers who present and prosecute these type of claims and cases do so on a contingency fee. This means you only pay legal fees if there is a monetary recovery on your behalf. If there is no monetary recovery then the client pays nothing for legal fees.

What if I need more information about the Camp Lejeune Justice Act and my claim? Please feel free to contact attorney Mark Wolfe at 251 410-7761 or by email at mark@brwlawyers.com Subject: Camp Lejeune for more information or to discuss your potential claim.

Attorney Mark Wolfe has been helping injury victims and their families since 1987

REQUIRED DISCLAIMERS: Alabama Rule of Professional Conduct 7.2: No representation is made that the quality of legal service to be performed is greater than the services provided by other lawyers. The Mississippi Supreme Court advises that a decision on legal services is important and should not be based solely on advertisements. Free background information is available upon request to a Mississippi attorney. The listing of any area of practice by a Mississippi attorney does not indicate any certification of expertise therein. See Mississippi Rules of Professional Conduct Rule 7.2(d), Rule 7.4(a), Rule 7.6(a) (1997). Statement in compliance with Florida Bar Advertising Rules: “The hiring of a lawyer is an important decision that should not be based solely upon advertisements. Before you decide, ask us to send you free written information about our qualifications and experience. [Florida Rule 4-7.2(d)]. General Disclaimer: This information is posted for general information purposes to help those interested parties or persons with potential civil claims better understand their rights and potential causes of action. If readers are currently represented by an attorney on the subject matter of this post then they are encouraged to continue with said representation. No attorney-client relationship is established by this post.

 

USE OF PRESCRIPTION MEDICATION ELMIRON® LINKED TO VISION LOSS

USE OF PRESCRIPTION MEDICATION ELMIRON ® LINKED TO VISION LOSS

BY: Attorney Mark Wolfe

Elmiron is an oral medication approved by the FDA to treat the pain and discomfort of the bladder condition known as interstitial cystitis (IC). Numerous recent medical studies have now been released that have linked those who have taken Elmiron to a vision loss condition known as pigmentary maculopathy. Maculopathy is a pathological condition of the macula, which is the area of the retina that is associated with highly sensitive and accurate vision. In the case of those who have taken Elmiron, there is evidence that a buildup of pentosan polysulfate sodium, the active ingredient in Elmiron, in the retinal cells causes these irreversible vision problems. These problems appear to be more common with women who have used Elmiron.

Elmiron has not been recalled despite studies linking long-term use of the IC drug to potentially permanent vision damage. The drug is manufactured by Janseen Pharmaceuticals (Janssen). Janssen is a pharmaceutical company headquartered in Beerse, Belgium, and wholly-owned by Johnson & Johnson. The drug has been on the market since 1996. However, Janssen did not warn about the risk of retinal pigmentary maculopathy until it updated the drug’s prescribing information at the direction of the FDA in June of 2020. The FDA published the new label with the maculopathy warning but it has not issued a statement or safety communication about it. At this point, the agency has not required Janssen to recall the drug and the drug maker has not said it plans to issue a voluntary recall.

Some of the most common symptoms associated with pigmentary maculopathy include the following:
– Difficulty reading
– Blindness
– Eye pain
– Difficulty adapting to dim lighting
– Vision disturbances or distorted vision, or
– Trouble seeing things up close

If you or a loved one has suffered vision loss or vision difficulty and taken the drug Elmiron before June 2020, you may have a claim for compensation and restitution. Please call Mark Wolfe at Boteler Richardson Wolfe – Injury Lawyers today. 251 410-7761. Or email Mark at mark@brwlawyers.com, please put “Vision Loss Claim” in the subject line. Consultations are always free. Boteler Richardson Wolfe – Injury Lawyers have been helping people with injury claims and cases since 1987. Our lawyers are licensed in Mississippi, Alabama, Florida and Georgia.

REQUIRED DISCLAIMERS: Alabama Rule of Professional Conduct 7.2: No representation is made that the quality of legal service to be performed is greater than the services provided by other lawyers. The Mississippi Supreme Court advises that a decision on legal services is important and should not be based solely on advertisements. Free background information is available upon request to a Mississippi attorney. The listing of any area of practice by a Mississippi attorney does not indicate any certification of expertise therein. See Mississippi Rules of Professional Conduct Rule 7.2(d), Rule 7.4(a), Rule 7.6(a) (1997). Statement in compliance with Florida Bar Advertising Rules: “The hiring of a lawyer is an important decision that should not be based solely upon advertisements. Before you decide, ask us to send you free written information about our qualifications and experience. [Florida Rule 4-7.2(d)]. General Disclaimer: This information is posted for general information purposes to help those interested parties or persons with potential civil claims better understand their rights and potential causes of action. If readers are currently represented by an attorney on the subject matter of this post then they are encouraged to continue with said representation. No attorney-client relationship is established by this post.