Home › Archive for PDRater › Page 13

PDRater

Mar
6
2009
Almaraz / Guzman, Calculators, COLA, Commutation, Downloads, Free, Life Pension, PDRater, SAWW, Technobabble, Website Updates, Workers Compensation Resources

Tagged with , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,
XYZZXSJO2 - The motion picture!
XYZZXSJO2 - The sequel!

Last week I posted about a recent case from the San Jose WCAB that indicated a life pension SAWW1 increase is applied on the first January 1 after the date of injury.  You can find a download of the XYZZXSJO2 case here.

I’ve just finished the COLA / SAWW future life pension rate calculator to determine what the future life pension rates are assuming a COLA / SAWW increase of 4.7% per year.  If you’re interested in becoming a beta tester for this COLA / SAWW calculator for life pension increases, please drop me a line and ask for access. 2

Please keep in mind that this is not a life pension with SAWW / COLA increase commutation calculator.  The actuarial math involved in performing that calculation is … intense.

As an interesting side note, this week I saw my very first DEU commutation of a life pension with COLA increase.  Unlike the typical commutations everyone receives from the DEU, this commutation calculation was devoid of the actual methodology used.  I was pretty disappointed to find this out.

No matter!  Help beta test the new calculator by dropping me a line.  After you’ve given it a whirl, let me know what you think.

  1. SAWW means State Average Weekly Wage [↩]
  2. If you have already helped me out as a beta tester, you already have access to this calculator. [↩]
Mar
3
2009
Business, Not Workers Compensation

Tagged with , , , , , , , , , , , , , , , , , , , , , , , , , , , ,
Glasses, online
Glasses, online!

I recently ordered three pairs of glasses from GlobalEyeglasses.com and one pair from Goggles4U.com.1  Last Wednesday I had my doctor check all four pairs.  Read on for the details!

I chose to try Goggles4U.com because an NPR commenter had a good review for them, they seemed to have good online reviews, had a very good website, and their prices for polychromatic glasses were fantastic.  UPDATE 3/10/09: Updated Goggles4U.com review here!

Review of Goggles4U.com

  1. Website. Goggles4U.com lets you upload a photo of yourself and try on a virtual pair of glasses.  I didn’t try this feature, but I suppose it might be useful to some.  They also have the option of spinning a virtual version of each pair of glasses.  It was fairly easy to navigate their website and place the order.  One useful feature is that their website allows you to save your prescription so you don’t have to re-enter it.
  2. Selection. There were easily several hundred frames from which to choose.  They have every imaginable style and variation.  They also have a wide range of lens options: clear, tinted, polychromatic / transition lenses, and super thin materials.
  3. Price. Goggles4U.com has free shipping.  Most of the frames are about $12.99.
  4. Frame Quality. The pair I bought fit with minimal adjusting of the nose pads and behind the ears.
  5. Lens Quality. For some reason the glasses from Goggles4U.com just didn’t seem right.  They took me several minutes to adjust to and still continued to bother me in a subtle way I couldn’t quite understand.  I took this pair to my eye doctor who told me that this pair had a lower “Base Curvature” than the pairs from GlobalEyeglasses.com.   Apparently, some people are just more sensitive to variations in “Base Curvature.”
  6. Shipping. Two weeks, just about on the button.  Shipping was free.
  7. Customer Service. After trying out these frames for a week I e-mailed Goggles4U.com to let them know I was having problems with the glasses and that I was going to take them to my doctor to be examined.  The responded immediately asking me to let them know what my doctor had to say.  I e-mailed them right when I came back to let them know the “base curvature” was off.  The e-mailed me back almost immediately giving me a coupon code for $35.99 off another pair.  The bottom line is that they responded to me nearly instantly and have gone out of their way to make me happy.  I’m not interested in a refund, just a pair of glasses for a reasonable price.  I feel like Goggles4U.com has certainly earned by business.
  8. Extras. Each pair comes with its own free case, eyeglass cloth, and replacement nose pads and screws.  Shipping was free.

Verdict: I would use Goggles4U.com again and recommend them to a friend.  When placing your order, use the coupon code, “glassyeyes” for 5% off.

UPDATE 3/10/09: Updated Goggles4U.com review here!

  1. Photo courtesy of Morningstar Lee [↩]
Mar
2
2009
Author, Business, Not Workers Compensation

Tagged with , , , , , , , , , , , , , , , , , , , , , , , , , , , ,
Glasses, online
Glasses, online!

I recently ordered three pairs of glasses from GlobalEyeglasses.com and one pair from Goggles4U.com.1  Last Wednesday I had my doctor check all four pairs.  Read on for the details!

I chose to try GlobalEyeglasses.com because I heard a glowing review on on NPR, they seemed to have good online reviews, had a decent website, and their prices were really incredible.

Review of GlobalEyeglasses.com

  1. Website. The GlobalEyeglasses.com webiste merely lets you see a larger photo of each pair of glasses. I am was the kind of person who needed to try on lots of different frames before I could make a choice 2  Incredibly, not being able to try on the glasses just didn’t bother me at all.  Once I had gotten my prescription and narrowed down the frame choices, it was surprisingly easy to find the glasses for me.
  2. Selection. There were easily several hundred frames from which to choose.  They have every imaginable style and variation.  They also have a wide range of lens options: clear, tinted, polychromatic / transition lenses, and super thin materials.
  3. Price. Using the coupon code at the bottom of this review, I got 10% off my order.  You can find frames as cheaply as $1.003 and lenses starting from $6.99.  They appear to have several designer frames.  The only shipping option is by UPS and costs $5.99.  When I was buying a month ago they were running a promotion where I bought two pairs and got one pair free.  $45.00 for three pairs, shipped, is basically unbeatable.
  4. Frame Quality. Each pair fit with minimal adjusting of the nose pads and behind the ears.  On my pair of sunglassses4 one of the screws in the nose pads fell out the first day I wore it.  When I replaced the nose pad I discovered that the screw fell out because the threads on that side had been stripped.  I used an extra screw and tightened it.  I haven’ t had any problems since.
  5. Lens Quality. I have had no problems with the prescriptions on any of the three pairs I got from GlobalEyeglasses.com.  I didn’t require any “adjustment” period or any time to get used to these glasses.  More importantly, the lenses themselves were confirmed by my doctor to be the correct prescription.
  6. Shipping. Two weeks, just about on the button.  Shipping was $5.99.
  7. Customer Service. A day after I placed my order I received an e-mail from GlobalEyeglasses.com saying that one of the pairs I had ordered was now out of stock and would I please select a new pair.  While a little bummed that one of my first choices was no longer available, I was very happy that they let me know immediately.  I chose a new frame and made a small change to another frame I had originally ordered.  They adjusted the price accordingly and immediately refunded me the difference.
  8. Extras. Each pair comes with its own free case, eyeglass cloth, and replacement nose pads and screws.

Verdict: I would absolutely recommend GlobalEyeglasses.com and use them again.  When placing your order, use the coupon code, “glassyeyes” for 10% off.

  1. Photo courtesy of Morningstar Lee [↩]
  2. It’s an important decision! [↩]
  3. Not that you’d want them. [↩]
  4. Just a tinted pair of prescription glasses [↩]
Mar
1
2009
Author, Not Workers Compensation

Tagged with , , , , , ,
Remember: Not all fortunes are fortunate!
Remember: Not all fortunes are fortunate!

I got Chinese take-out on Saturday night. I know I had promised a review of online glasses retailers, but I just had to share this with you.  Tune in tomorrow for the GlobalEyeglasses.com review and the day after for the Goggles4U.com review.  My fortune cookie had three fortunes in it! 1 I typically consider this lucky.  Saturday… not so much.

Fortune: Your magnetic personality will draw people to you this month

Saturday night was February 28th, as in the end of the month.  I didn’t notice anyone drawn to me. 2

Fortune: Your financial situation will soon be improving

Soon is relative, so I guess this could still come true.

Fortune: Sonn a visitor shall delight you

This one undoubtedly came true.  In the wee hours of Sunday morning an unexpected visitor presented themselves.  My typically delightful moo shu paid me a visit in the form of food poisoning.

Anyone interested in some Chinese take-out leftovers?

  1. Original photo courtesy of TheTruthAbout.  Photo editing – all me! [↩]
  2. You know – any more than usual. [↩]
Feb
26
2009
Author, Business, Marketing, Not Workers Compensation, Technobabble

Tagged with , , , , , , , , , , , , , , , , , , , , , , , , , , , ,
Glasses, online
Glasses, online!

No matter which website you order glasses from online, I would suggest the following five steps: 1

  1. Get your prescription. When getting your eye prescription, being sure to have your physician provide your “Pupillary Distance.” 2  I’ve put together a chart at the bottom you can take with you to the doctor’s office.
  2. Measure your glasses. Measure your current glasses using a metric ruler.  The most important measurement is going to be “Temple Width.”  The “Temple Width” is the overall front width of your glasses.
  3. Choose frames. On the website of your choice, narrow down the available glasses by the “Temple Width.”  From there you can narrow down the available choices.
  4. Wait. Both of the websites I ordered glasses from took about two weeks to get the glasses to me.
  5. Double check. Take your new glasses back to your eye doctor.  They will have a machine that can check the prescriptions on the lenses.

SPH

(Sphere)

CYL

(Cylinder)

AXIS

ADD

(Addition)
O.D. (Right)
O.S. (Left)
Pupillary Distance

mm
Temple Width

mm

Coupon Codes:

  • I tried GlobalEyeglasses.com and used the coupon code “glassyeyes” for 10% off.
  • I also tried Goggles4U.com and used the coupon code “glassyeyes” for 5% off. (I have no idea why they both use the same coupon code…)

Yesterday I had my doctor’s test out all four pairs of my glasses.  Tune in next time for the reviews of GlobalEyeglasses.com and Goggles4U.com!

  1. Photo courtesy of Morningstar Lee [↩]
  2. The “Pupilary Distance” is the distance between your two pupils, measured in millimeters. [↩]
Feb
25
2009
Calculators, Case Law, COLA, Death Benefits, Life Pension, PDRater, Permanent Total Disability, SAWW, Website Updates, Workers Compensation Resources

Tagged with , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,
XYZZXSJO2 - The motion picture!
XYZZXSJO2 - The motion picture!

Last week while Steve was at the Sacramento WCAB he heard about a recent case that held the COLA / SAWW adjustments and increases are calculated based upon the first January 1 following the date of injury. 12

This case involving SIF (the subsequent injuries fund) is from the San Jose WCAB.  The name of the case is “XYZZXSJO2 v. Subsequent Injuries Benefits Trust Fund, ADJ 1510738, SJO 0251902”.  The name of the Applicant was anonymized to protect their identity.  34

Download a copy of XYZZXSJO2 now!

Thus far the conventional wisdom has been that the COLA/SAWW increases are calculated starting with the first January 1 after life pension gets paid out.  This is a tremendous change in the COLA/SAWW calculation of life pension.

Assuming a 1/1/2003 injury at exactly 70% permanent partial disability, there would be 426.5 weeks of permanent disability paid after the permanent and stationary date before the life pension gets paid out.  This equates to 8.2 years from the permanent and stationary date that has, thus far, not been taken into account with life pension calculations to date.  To put this in perspective, if someone had an injury on 1/1/2003 and became P&S on that same date5 , the traditional method of calculating the life pension with COLA / SAWW increase would be too low by approximately 44%.

At the moment I’m finalizing a COLA / SAWW life pension calculator to determine what the future life pension rates are assuming a COLA / SAWW increase of 4.7% per year.  If you’re interested in becoming a beta tester for this COLA / SAWW calculator for life pension increases, please drop me a line and ask for access.

Unfortunately, I don’t have a citation for the 4.7% COLA / SAWW increase, but I believe it to be the offiical average used by the DEU6 to calculate commutations of COLA / SAWW increases and adjustments.  If you have an official citation or document from the DEU, please drop me a line so I can include that citation here!

  1. COLA = cost of living adjustment. [↩]
  2. SAWW = state average weekly wage. [↩]
  3. I hope to have a scan of this decision for you soon! [↩]
  4. David DePaolo of WorkCompCentral.com has graciously allowed me permission to offer you a copy of XYZZXSJO2 for download!  Thanks David! [↩]
  5. Not likely. [↩]
  6. Disaiblity Evaluation Unit. [↩]
Feb
24
2009
PDRater, Search Engine Ranking, SEO, Technobabble, Website Updates

Tagged with ,
PDRater.com breaks another record!
PDRater.com breaks another record!

I’m out of the office for one lousy day and what happens?  A record number of visitors to PDRater.com, that’s what.1  I suppose I should spend more time up at the Santa Rosa WCAB, eh?

On Wednesday February 18, 2009 this website had a record number of individual visitors.  On that day I  234 unique visitors.  2  In the grand scheme of things, this is a fairly low number of unique visitors to a website.

However, most people come to this website looking for information about California workers’ compensation, workers’ compensation resources, workers’ compensation calculators, and updates regarding recent workers’ compensation cases.  The vast majority of website visitors (I’m extrapolating from those who have signed up for free) are claims adjusters, law office staff, and applicant and defense attorneys.

This sort of website traffic is considered to be very “high quality” as in the number of people from my target demographic comprise the vast majority of those people who actually visit my site.

  1. Photo courtesy of Ann Althouse. [↩]
  2. The previous record of 180 visitors was set on August 23, 2008. [↩]
Feb
19
2009
2005 PDRS, Calculators, Case Law, Downloads, Free, Ogilvie, PDRater, Permanent Disability Rating Schedule, Permanent Partial Disability, Technobabble, Website Updates, Workers Compensation Resources

Tagged with , , , , , , , , , , , , , , , , , , , , , , , , , ,
Workers Compensation Calculator
Workers' Compensation Calculator

I had an interesting e-mail exchange with a friend (and fellow workers’ compensation professional) the other day.1

We were discussing the impacts of Ogilvie on 2005 schedule ratings.  He had asked me whether I intended to update the 2005 permanent disability rating calculator to include FEC Ranks after the scheduled 8.  I believe he had suggested FEC Ranks 9 through 20.

I have no intention of manufacturing FEC Ranks 9 through 20 for the following reasons:

  • Maintaining Standards. The entire point of a rating schedule is to allow a standardized method for calculating disability and expressing those disability calculations.   If I invented my own FEC Rank system beyond the scheduled 1-8 Ranks, I would essentially be creating my own rating calculation system.  I’ve gone to considerable lengths to ensure that the rating strings produced by these permanent disability calculators are as standardized, recognizeable, and universal as possible.
  • FEC Ranks are Irrelevant. The FEC Rank system is a simplified method of applying DFEC adjustment factors.  When you use the FEC Rank of a particular body part to adjust the standard using the charts on pages 2-6 and 2-7 of the 2005 PDRS (permanent disability rating schedule), what you’re really doing is essentially multiplying your standard disability against the FEC adjustment factor associated with the particular FEC Rank for the body part in question.  An FEC Rank is only useful for telling you the appropriate FEC adjustment factor to apply to the standard disability.  Thus, FEC Ranks are irrelevant and FEC adjustment factors are all important.
  • Arbitrary FEC Ranks. FEC Rank 1 has an FEC adjustment factor of “1.100”.  However, using the Ogilvie DFEC rebuttal formula, it is possible to end up with very low FEC adjustment factors.  In extreme circumstances it would be possible to have a negative FEC adjustment factor.  The only way to resolve this would be to have several possible negative FEC Ranks.  Besides being somewhat silly, worrying about additional FEC Ranks2 misses the point.  If you’re using the Ogilvie DFEC rebuttal formula properly, the result will be a new FEC adjustment factor.  If you already have the FEC adjustment factor, you have no need for the FEC Rank!

When I had discussed the impact of Ogilvie earlier, I had pointed out that in some cases the resulting formula will dictate that you use a different FEC Rank than the one indicated by the affected body part.  In other cases you will need to use an entirely new FEC adjustment factor.  In order to keep the 2005 disability calculator current I will eventually have to create a way for the user to override a body part’s standard FEC Rank and specify a new FEC Rank or their own FEC adjustment factor.

I’m not in any particular rush to develop this feature since Ogilvie seems to require three years of post-injury earnings.  I doubt we’re going to see litigation begin in earnest over Ogilvie issues for another 18 to 24 months.

  1. Photo courtesy of Street Fly JZ [↩]
  2. Both higher and lower than the normal 8 [↩]
Feb
18
2009
Author, Not Workers Compensation

Tagged with , , , , , , , , , , , , , , , , , , , , ,
A Road Warrior is prepared for bad weather
A Road Warrior is prepared for bad weather

Here’s what my fortune cookie on Saturday night said:

My fortune

I rather enjoy putting my imaginative skills to work with these little doodles.  ANYhow, now that that’s out of the way…

The last few days I’ve had several appearances in less than ideal weather.  With no further ado, my Road Warrior Checklist for traveling in bad weather:

  • Timing. My rule of thumb is to leave 15 minutes earlier for every hour of a planned trip in bad weather.
  • Speed. Speeding will make you feel good about your pace, but will never save you a significant amount of time.
  • Pick the correct lane. There are a lot of factors involved in choosing the correct traveling lane.  Driving in the path of other vehicles ensures your tires are touching more of the road and less of the water.  Stay out of the fast lane if possible.  Get out of other people’s way when they want to pass.
  • Stay in the correct lane. Try not to change lanes.   There is a lot more water between lanes and more chances to hydroplane.
  • No Cruise Control! There is an urban myth that if your car is on cruise control and you start to hydroplane your vehicle will accelerate to make up for the loss in traction.  The reason the highway patrol recommends against the use of cruise control in wet weather is that you only have moments to react to hydroplaning by reducing speed and maintaining control of your vehicle.  Cruise control in these situations will deprive you of a few moments of a potential speed decrease (where you would take your foot off the gas) by maintaining your current speed.
  • Following distance. Other people are going to be driving like maniacs.  Always make sure you have plenty of following distance.
  • Brakes. If your brakes are squeaking, they’re already in bad shape.  Get them checked out and replaced regularly.
  • Tires. Get your tires rotated regularly, make sure they have plenty of tread, and make sure they are properly inflated.  Remember the penny test: if you stick a penny into the tread and can see the top of Lincoln’s head you need to replace your tires.
  • Windshield wiper blades. Worn blades will just smudge.  Just plan on replacing your windshield blades every year.  Don’t forget your rear windshield wipers!

Prior “Road Warrior Checklists”

Feb
17
2009
PDRater, Technobabble, Website Updates, Wordpress

Tagged with , , , , , , , , , , , , , , , , , , , , , , ,
Refresh for updates
Refresh for updates

In no particular order:1

  • I often refer to myself as a Workers’ Compensation nerd.  The other day I realized that would be a GREAT website name!  Unfortunately, WCNerd.com is already taken by “white collar nerd.”  Bummer, no?  What a great e-mail address that would have been, too!
  • With well over a 100 posts and counting I thought it was time to include a “tag cloud.”  Its on the bottom of the right sidebar of this website.  Its basically a grouping of the common words I use to tag various posts.  The more common a word is the larger it appears.  The top contenders are pretty telling
  • To help with the website navigation and use of the “tag cloud” I’ve started being more liberal with how I tag my various posts.  Its actually kinda fun.
  • I’m  using a new e-mail contact form.  I was using “Contact Form 7,” which has a truly impressive feature list. While effective, I didn’t much care for this plugin because of its complexity.  What I really wanted was a quick and easy way for website visitors to send me e-mail.  Recently I found “Tiny Contact Form” by Tom Braider to be exactly what I needed.  It is small, simple to configure, and easy to include.  I’m actually using a modified version of the really fantastic “Tiny Contact Form” plugin.  I’m rather proud of my modification on this plugin and even sent Tom Braider my changes which he ended up incorporating into the next version!
  • Google recently swallowed up Feedburner.  I was using Feedburner to manage the RSS feeds for this website.  The only problem was that it was causing all kinds of problems.  My RSS reader wasn’t picking up the new posts from my own blog!  So, I scrapped the Feedburner management of my RSS feed and went back to the native WordPress support for RSS (which is pretty damn good).
  1. Photo courtesy of RandomChu [↩]