You waited 10 months too long to hire an attorney. Please protect your rights now by hiring one. Unfortunately, COBRA is your only option for health insurance. NO STATE WC LAW protects your health insurance while you are out on a work injury. Good luck.
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Since you have two separate injuries that overlap I would strongly urge you to talk to a local workers compensation attorney. The insurance company will always say that degen disc disease is not part aof the claim but most people over 40 have that to a certain extent so if it was aggravated or there are other conditions that are making you unable to work the insurance company should have you back on workers compensation benefits. An attoeny wil understand how to look at the medical records and see what can be done.
You have a complicated case OR a difficult insurer. You need an attorney.
In answer to your question- how this is possible- it is because you are not represented, and you are not pushing them to enforce your rights. I say again- you need an attorney.
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