“When I seek out professional advice, I don’t want B.S. I want it straight up, with no double talk. I figure you do also. I always use plain English, with no sugarcoating, no B.S. lawyer talk, and no double talk-just old fashioned, unsweetened, unvarnished truth-just the way that I would want it.” -Bill Turley
When it comes to the ins and outs of filing a DBA claim, the first step you must take, is always tell the truth. Under no circumstances, never sugar coat anything. The moment you start to over exaggerate your injury, is the moment you can kiss you case good bye. Count on it.
I have seen it happen to many hard working civilian contractors before.
Never tell a lie, and always tell the truth. Your credibility with the Defense Base Act insurance company and the Judge depend on it.
Before you fill out any forms or start the process of your DBA claim, you need to do your research. Order my free book, Win Your Defense Base Act Case: The Ultimate Straight Talk Roadmap To The Medical Treatment and Money You and Your Family Deserve.
It is full of helpful information that will only benefit you on your road to recovery with your Defense Base Act Claim. Check out the Amazon Reviews Before you do.
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Knowledge is Power
I always believe that knowledge is power. Trouble is, when you find yourself facing a DBA claim the insurance company and their adjusters and team of sharks have a ton of knowledge. And you are new to all of this. You probably have very little knowledge. You are playing catch-up ball - whether you realize it or not. So, I try and level the playing field a tad. This is why I wrote my book - Win Your Defense Base Act Case. I recommend that you request a copy before you make any big decisions on your Defense Base Act claim. But in the meantime, if you have a back injury, neck injury and/or spinal injury - here is some information/ knowledge that will help you understand your case better.
Let's Start With the Basics
In many respects, all DBA cases are basically the same while you are temporarily totally disabled. That is, before you reach maximum medical improvement. Meaning, before your doctor states that more medical treatment is not going to improve your condition. I have many articles about this stage of the case. Be sure to check them out.
The next thing that you need to know is that back injuries, neck injuries and spinal injuries are unscheduled injuries. This means that your future disability monies depend on whether you are able to return to you usual and customary DBA employment. Meaning, are you physically able to return to your old job? If you worked in Iraq or Afghanistan - the question is are you able to return to work in a war theater?
This is a complex question that I cover in depth in my book.
Let's Back Up - Making Sure You Get Proper Medical Care
Truth be told ( I am all about being blunt and straight-forward and telling folks what they need to hear - not necessarily what they may want to hear); nothing is more important than your health. You need a back/ neck/ spinal specialist for a serious injury. A serious injury to me is anything that may affect my future. It should be the same for you also. Thus, the first step is making sure that you are getting the best medical care possible. This is often a fight. But a fight that is worth taking on with the insurance adjuster.
It's all a Wage Loss Concept
At the end of the day, back injuries/ neck injuries/ spinal injuries come down to a wage loss concept. That is, computing your loss of wage earning capacity. If you have no loss of wage earning capacity - you don't get any money for your permanent disability. Thus, it is important for your doctor to fully understand what your overseas job really entailed. Whether it is having to wear full kit to working outside the wire to having to run to shelters when there are incoming mortar rounds. This all has to be explained to your doctor.
What I have seen is too many doctors think a "security specialist" is sort of like the security guard at their building or a "linguist" is like a high school Spanish teacher. Which of course, is not even in the same universe to what it is like to work in a war theater. I know that and your know that - but what matters now is your doctor knowing all of this.
Loss of wage earning capacity is calculated as the difference between what you earned while working as an overseas civilian contractor to what you are able to earn today when considering your physical limitations, education, training, etc.
For more information read my free guide, Win Your Defense Base Act Case: The Ultimate Straight Talk Roadmap to The Medical Treatment and Money You and Your Family Deserve.