Can I Continue Physical Therapy After Returning to Work?

by Anonymous

I was on my way to work on April 19 this year. I was driving in the right lane while an eighteen wheeler was in the left lane. The driver decided to take a right on an upcoming street and pulled right in front of me. I had nowhere to go and collided into him, totaling my truck out.

I had severe chest bruising from my seat belt, whiplash, a severe hand sprain, and my spinal bones were knocked out of alignment. I had to go to the hospital and do physical therapy for two months. My back has gotten better but my wrist is still messed up. I had to quit my job because it was too physically taxing on my body.

The doctor didn't want to release me back to work but I have to go back because I have a lot of bills to catch up on. After I start work I'm going to continue to go to physical therapy but will have to pay with my own money. I'd prefer the insurance continue to pay but I had to be released to work to be able to pay my bills.

Is there any way I can go back to work but continue to have the insurance pay for further physical therapy, which I think I still need for my wrist? Thanks.

Visitor Question:
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ANSWER for "Can I Continue Physical Therapy After Returning to Work?":

Anonymous (USA):

As long as your doctor continues to prescribe therapy the insurance company should continue to pay for the therapy. You shouldn’t have to pay any money out of your own pocket for the therapy prescribed by your doctor.

There are many victims of auto collisions who are in the same position as you. When you're hurt, you're hurt. When your doctor hasn’t cleared you to return to work that in and of itself is a clear indication to the insurance company you are still in the process of receiving the care you require.

If anything, it shows the insurance company you aren’t a malingerer. There isn’t any valid reason for the insurance company to discontinue covering your medical treatment, physical therapy and prescription medications, if any.

As long as you haven’t settled the case already with the insurance company you shouldn’t have any problems. Contact the insurance claims adjuster assigned to your case. Explain your predicament. Tell her the truth. If she doesn't cooperate seek the advice of a personal injury attorney. Most won’t charge any fee for an initial office consultation.

The above is general information. Laws change frequently, and across jurisdictions. You should get a personalized case evaluation from an attorney licensed in your state. Find a local attorney to give you a free case review here, or call (888) 647-2490.

Best of luck,

Judge Calisi

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