EPISODE #77
Who Pays for Workers’ Comp Benefits?
(Title suggests discussion on funding of benefits.) This episode likely clarifies where workers' comp money comes from. Carmen and Bilal would explain that employers (through insurance premiums or self-insurance) pay for workers' comp benefits – not the government – and discuss how insurance companies and employers handle the costs of claims and benefits.
EP.109
4 Ways to Fight Back Treatment Denials
Getting the medical care you deserve after a workplace injury shouldn’t be a battle—yet thousands of California employees face denials, delays, and endless red tape. In this eye-opening episode, we uncover why insurance companies and employers deny valid workers’ comp claims, from bureaucratic loopholes to disputed diagnoses. Learn how to protect your rights and cut through the system’s hurdles.
22 min
EP.108
How Intake Specialists Set You Up for Workers' Comp Victory
If you’ve been injured at work and are unsure about the legal process, this episode provides expert advice on how intake specialists help guide you through your claim.
26 min
EP.107
6 Ways to Challenge a Denied Workers' Comp Claim in California
Denied Workers' Compensation? In episode #107 of Work Comp Talk, Carmen Bilal Kassem, discuss the challenges and steps involved when a workers' compensation claim in California is denied. They explain the process of filing a claim, investigating, and the types of claim denials including legal, factual, and medical reasons.
19 min
EP.106
What does Delayed Status mean in Workers' Comp?
In Episode 106 of Work Comp Talk, Carmen is joined by workers’ compensation attorney Bilal from Pacific Workers, The Lawyers for Injured Workers, to unpack one of the most frustrating parts of the workers’ comp system: the delayed status. What does it mean? Why do insurance companies send it? And most importantly—what are your rights and options when it happens?
14 min
EP.105
Senate Bill 555 A Game-Changer for Injured Workers in California
In our latest episode of Work Comp Talk, we dive deep into SB555, a groundbreaking proposal presented by Senator Anna Caballero that could drastically change California's workers' compensation system. Join Carmen Ramirez and Bilal Kassem as they unpack the bill's potential impact on injured workers, employers, and insurance companies.
28 min
EP.104
WCAB Secrets Revealed for MAXIMUM Workers' Compensation
The Workers’ Compensation Appeals Board (WCAB) plays a crucial role in the California workers’ comp system, ensuring that injured workers receive the benefits they deserve when disputes arise. If you’re facing denied benefits, delays in medical treatment, or issues with your settlement, understanding the WCAB process is essential.
27 min
EP.103
Your Right to a Second Opinion in Workers’ Comp
Host Carmen Ramirez highlights injured workers' right to get a second medical opinion on their treatment workcomptalk.net . If you're unsure about your doctor's plan or feel pressured to return to work early, a second opinion can be a game-changer. Carmen explains when and how to ask for one, why it matters, and what to expect, empowering listeners to take charge of their care and not just accept the first doctor's word if they have doubts workcomptalk.net
12 min
EP.102
Amazon’s Injury Cover-Up Exposed
This episode dives into a shocking story or investigation about workplace injuries at Amazon. Carmen uncovers how Amazon has allegedly been covering up or mishandling injuries (perhaps not reporting them or denying legitimate claims). She exposes these practices and stresses the importance of reporting injuries and seeking legal help, especially in companies with high injury rates. It's a hard-hitting look at workplace safety and accountability in one of the world's largest companies.
13 min
EP.101
Forklifts, Injuries, and Your Rights in the CA Workers’ Comp System
Carmen explores the risks associated with operating forklifts in industries like construction and manufacturing open.spotify.com . She explains common forklift-related injuries and emphasizes what rights those injured workers have under California law. The episode likely covers employer safety obligations and what to do if you're hurt in a forklift accident on the job.
6 min
EP.100
Work Comp Talk Hits 100! F-Bombs, Truth Bombs, and Big Wins
It's a milestone celebration! In this 100th episode, Carmen and Eric (the original host/founder) reminisce on their favorite episodes and biggest victories workcomptalk.net . They drop some candid "truth bombs" about fighting for injured workers in California's comp system and reflect on how far the podcast (and their advocacy) has come. Listeners join in the celebration of reaching 100 episodes, packed with personal insights and memorable moments from the journey workcomptalk.net workcomptalk.net .
15 min
EP.99
The Shocking Effects of Wildfire Smoke (with Dr. Amy Ni)
Dr. Amy Ni returns to discuss how wildfire smoke exposure affects workers (especially outdoor workers). They delve into the health impacts of inhaling wildfire smoke and what that means for workers' comp claims (e.g., respiratory conditions as work-related injuries) workcomptalk.net . It's an eye-opening look at an emerging occupational hazard, with expert medical insight into short and long-term effects on workers' health.
37 min
EP.98
Customer Service Standards
This episode appears to focus on the standards of customer service injured workers should expect – possibly within the workers' comp system or from their attorneys and doctors. Carmen and Bilal might discuss how injured workers deserve to be treated with dignity and prompt communication. They could offer advice on advocating for yourself if you're not getting answers or respectful treatment from claims reps or providers. (Inference based on title, as no detailed content was provided.)
38 min
EP.97
Are Seasonal Workers Entitled to Workers’ Compensation?
The hosts discuss the rights of seasonal and temporary workers. They clarify that seasonal workers are generally entitled to comp if injured on the job, just like permanent employees. The episode likely addresses challenges seasonal workers face – for example, if injured after the season ends – and how those claims are handled. It ensures that short-term and gig workers know they're covered when hurt at work.
25 min
EP.96
Top Red Flags Claims Adjusters Look For in California Workers’ Comp
From an adjuster's perspective, what makes them suspicious? In this episode, Carmen and Bilal reveal the "red flags" that claims adjusters watch out for – such as delayed reporting of injury, inconsistencies in your story, or social media posts (tying back to Ep. 28 on social media) workcomptalk.net . By knowing these, injured workers can avoid accidentally jeopardizing their claim.
27 min
EP.95
Can I Choose My Own Doctor for Workers’ Comp in California?
Carmen and Bilal address a common question: do injured workers have the right to pick their treating doctor? They explain California's Medical Provider Network (MPN) rules – generally, your employer/insurer directs care within a network, but there are ways to pre-designate a personal doctor or change doctors if unhappy workcomptalk.net . Listeners learn the options and limitations around doctor choice in comp.
23 min
EP.94
What Every Firefighter Should Know About Workers’ Comp
This episode likely compiles crucial info specifically for firefighters (beyond the presumptions in Ep. 83). Carmen and Bilal might discuss the importance of documenting exposures, utilizing presumptions for cancers or heart issues, and the process for claiming PTSD or other injuries under new laws. It's essentially a guide for firefighters to navigate comp with their unique benefits and challenges.
35 min
EP.93
Why Did the CA Workers’ Compensation Board Deny My Case?
Carmen and Bilal go over common reasons a case might be denied by the Board or a judge. They discuss issues like lack of medical evidence, conflicts in testimony, or missed deadlines – educating listeners on why comp cases fail and how to avoid those pitfalls (echoing themes from Ep. 43 on mistakes) workcomptalk.net .
14 min
EP.92
Permanent Disability Explained: Insights from a Workers’ Comp Attorney
Bilal (the attorney) takes a deep dive into how Permanent Disability (PD) works. He explains the PD rating system, how attorneys negotiate PD awards, and what "permanent disability" truly means for injured workers' future workcomptalk.net workcomptalk.net (based on earlier related content). This episode likely provides clarity on a topic that often confuses people finishing their comp cases.
30 min
EP.91
Best of Work Comp Talk (Part 7)
Continuation of the highlight series. This final "Best of" (for now) likely covers the later episodes' key points – possibly touching on fighting denials, second opinions, and not settling too soon. It wraps up the series of highlights, ensuring listeners are caught up on the most important insights from episodes #81–90+.
13 min
EP.90
Best of Work Comp Talk (Part 6)
Continuation of the highlight series. In this episode, Carmen highlights top discussions and expert advice on navigating workers' comp claims workcomptalk.net – from settlement strategies and medical buyouts to the importance of legal counsel. It's a compilation aimed at reinforcing crucial lessons for boosting your claim and understanding the system.
14 min
EP.89
Best of Work Comp Talk (Part 5)
Continuation of the highlight series. Part 5 could highlight stories of resilience – perhaps snippets of injured worker experiences and how they overcame challenges in their comp cases. It serves both to educate and inspire by showing what others have gone through and learned.
26 min
EP.88
Best of Work Comp Talk (Part 4)
Continuation of the highlight series. This installment might compile discussions on medical issues in comp (for instance, best advice from doctors or on handling medical exams) drawn from past episodes. It's another dose of condensed wisdom from the show.
18 min
EP.87
Best of Work Comp Talk (Part 3)
Continuation of the highlight series. More curated clips – likely focusing on legal insights and "secrets" shared in earlier episodes. By revisiting these moments, the episode reinforces key strategies and knowledge for navigating workers' comp.
18 min
EP.86
Best of Work Comp Talk (Part 2)
Continuation of the highlight series. Another collection of standout discussions, possibly grouped by theme. (For example, Part 2 might highlight best expert interviews or success stories shared on the podcast.) It's curated to provide valuable takeaways by reviewing the podcast's archives.
19 min
EP.85
Best of Work Comp Talk (Part 1)
This is a "Best of" compilation episode. The hosts revisit some of the most impactful moments and tips from earlier episodes. It's an edited collection of highlights – perhaps focusing on top advice for winning your case, or memorable guest insights – giving new listeners a summary and longtime listeners a refresher of Work Comp Talk's greatest hits.
20 min
EP.84
UAW Claps Back at Trump & Musk Threats with a Lawsuit
(Title suggests a labor news topic.) In this episode, the hosts likely cover a news story involving the United Auto Workers (UAW) union suing in response to threats (possibly related to worker safety or compensation). They would discuss how this lawsuit ties into workers' comp or worker rights, showing unions fighting back to protect members. It's a mix of current events and labor rights discussion.
17 min
EP.83
Firefighter Presumption Laws in Work Comp
This episode focuses on the special "presumption" laws that benefit firefighters (and other first responders). Carmen and Bilal outline the presumptive injuries (like heart trouble, cancer, lung issues, etc.) that are automatically assumed work-related for firefighters under California law workcomptalk.net . They discuss why these laws exist, how they work, and what every firefighter should know to take advantage of these protections if they get ill or injured.
16 min
EP.82
Are Undocumented Workers Entitled to Workers’ Compensation?
Carmen and Bilal address the important question of whether undocumented immigrants have the right to workers' comp in CA. They explain that yes, undocumented workers are entitled to comp benefits in California workcomptalk.net (as has been established in law), and discuss any challenges they uniquely face. This episode reinforces that immigration status does not bar someone from comp and educates on the rights of all workers.
15 min
EP.81
Will a New US President Change Workers’ Comp?
(Title suggests discussing potential political impacts.) Here, Carmen and Bilal likely speculate on how federal leadership could influence workers' comp (even though comp is mostly state law). They might discuss past federal initiatives or how a President's policies (on labor, OSHA, healthcare, etc.) could indirectly affect the comp system. It's a forward-looking talk about politics and comp.
16 min
EP.80
Celebrating a Decade: The Journey of Pacific Workers
(Title suggests a milestone/retrospective.) This is probably a special episode marking 10 years of Pacific Workers' law firm. Carmen and Bilal (and perhaps guests) reflect on the firm's journey, share success stories, and highlight how the firm has helped injured workers over the past decade. It's a celebratory episode with anecdotes and lessons learned from ten years of advocating for workers.
20 min
EP.79
What does “Delayed” Status mean in Workers’ Comp?
(Title suggests explaining a procedural term.) In this episode, likely the hosts explain what it means when a claim is in "delayed" status. They would discuss the 90-day period insurers have to investigate, during which benefits might be pending, and what rights workers have while their claim is delayed (e.g. up to $10k in medical treatment). Understanding "delay" helps injured workers know why their case hasn't been accepted or denied yet.
13 min
EP.78
Is Carpal Tunnel Syndrome Covered in Workers’ Comp?
(Title suggests focusing on a specific injury.) Carmen and Bilal presumably focus on repetitive strain injuries like carpal tunnel. They would confirm that yes, cumulative trauma injuries (like carpal tunnel from repeated hand motions) are covered under workers' comp in CA, and discuss how to prove such a case, since these injuries develop over time rather than from one accident.
11 min
EP.77
Who Pays for Workers’ Comp Benefits?
(Title suggests discussion on funding of benefits.) This episode likely clarifies where workers' comp money comes from. Carmen and Bilal would explain that employers (through insurance premiums or self-insurance) pay for workers' comp benefits – not the government – and discuss how insurance companies and employers handle the costs of claims and benefits.
9 min
EP.76
What is the Workers’ Compensation Appeals Board?
(Title suggests an explainer on the WCAB.) Carmen and Bilal probably break down the role of the Workers' Compensation Appeals Board – essentially the "court" for comp disputes. They would explain how the WCAB functions, what injured workers can expect if their case goes to the Board, and how decisions are made in disputes or appeals.
10 min
EP.75
Can You Appeal Denied Claims in Workers’ Comp?
(Title suggests discussion of appealing denied claims.) In this episode, Carmen and Bilal likely explain the process for appealing a denied workers' comp claim in California. They would cover options like requesting a hearing or going before the Workers' Compensation Appeals Board (WCAB), and outline what steps an injured worker can take if their claim is rejected. (This episode's specifics are inferred from the title.)
13 min
EP.74
Common Construction Injuries in Workers’ Comp
Carmen (host) and Bilal (Pacific Workers' managing attorney) shine a light on common construction-site injuries workcomptalk.net . From power-tool accidents to falls to lifting strains, they reveal the real risks construction workers face. The discussion covers how injury patterns can change with the seasons and stresses following safety protocols (like lockout/tagout and proper equipment use) to prevent accidents workcomptalk.net . They also touch on how misclassification in construction leaves some workers without coverage, giving tips on navigating comp in the construction industry if you're injured workcomptalk.net .
13 min
EP.73
It’s 2024 Tax Time! Is Workers’ Comp Taxable?
As tax season arrives, Carmen and Bilal tackle a burning question: Are workers' comp benefits taxable income? They unpack this topic with expert insights, explaining that generally workers' comp benefits are NOT taxed workcomptalk.net . The hosts provide practical advice for injured workers at tax time 2024, ensuring you know how to handle your comp benefits when filing taxes and dispelling any worries about an unexpected tax bill on your settlement or checks workcomptalk.net .
16 min
EP.72
Why Does Workers’ Comp Take So Long?
The comp process can be slow. Carmen and Bilal address the common pain points and delays injured workers face workcomptalk.net . They shed light on why cases get bogged down – whether it's due to backlogs, disputes, or procedural hurdles – and discuss the challenges within the system that cause frustration. By understanding these causes, listeners can better manage their expectations and maybe find ways to mitigate delays.
23 min
EP.71
2024 CA Workers’ Comp Tips: Expert Advice for Employee Rights
Kicking off 2024, Carmen and Bilal share crucial tips for navigating the comp system in the new year workcomptalk.net . From properly documenting your injury to choosing the right treating doctors, they provide expert advice to ensure you exercise your employee rights and get the benefits you deserve. If you're starting a comp claim in 2024, this episode arms you with the know-how to do it right workcomptalk.net .
21 min
EP.70
What the CA Workers’ Compensation Covers in 2024 (But Doesn’t)!
The hosts dive deep into the complicated world of California's comp system and its primary objectives workcomptalk.net . They discuss what the system should cover for injured workers in 2024 – and importantly, what it doesn't cover, even though people might expect it to. It's a thorough exploration of benefits and gaps in coverage, helping workers understand the promise vs. reality of comp.
48 min
EP.69
What is NOT Covered in Workers’ Comp?
There are many misconceptions about what workers' comp covers. In this episode, Carmen and Bilal delve into what's NOT covered under California workers' comp and dispel common myths workcomptalk.net . By shining light on the limitations of comp (for example, certain stress-related issues or minor injuries might not be covered), they clarify a topic that often confuses injured workers.
21 min
EP.68
Should You Accept a Workers’ Comp Settlement Offer?
Carmen and Bilal explore a crucial question: Are you better off not accepting a settlement offer? workcomptalk.net . They discuss what happens if you say "no" and let the case go to trial, noting that sometimes injured workers consider that route for more compensation. However, they explain that judges aren't there just to grant more money – they're there to ensure fairness workcomptalk.net . This episode helps listeners weigh the pros and cons of accepting a settlement versus fighting on.
29 min
EP.67
Medical Buyout in Workers’ Comp
Carmen and Bilal demystify medical buyouts in California comp workcomptalk.net . They explain what a medical buyout is and how it works as part of a settlement (essentially, trading future medical care for a lump sum). The episode covers when injured workers should consider a medical buyout, key factors in negotiating one, and examples of the financial implications. It's packed with expert insights to help listeners make informed decisions about settling a claim with a medical buyout workcomptalk.net .
21 min
EP.66
Understanding AME’s and QME’s
In this enlightening episode, Carmen and Bilal dive into the intricacies of Agreed Medical Evaluators (AMEs) and Qualified Medical Evaluators (QMEs) workcomptalk.net . If you've ever been curious about what these medical-legal experts do in a comp case, this discussion is for you. They explain the roles AMEs and QMEs play in resolving medical disputes and how they can impact your claim's outcome (for example, when you have conflicting doctor opinions). Don't miss this if you need clarity on AME vs. QME and why they matter in your case workcomptalk.net .
24 min
EP.65
Don’t Settle for Less: Tips to Boost Your Claim
The hosts tackle one of the hottest questions every injured worker asks: How can I get the most money for my claim? Carmen and Bilal (often referencing "Work Comp Talk's tips") break down essential tips and tricks to navigate your claim effectively and maximize your compensation workcomptalk.net . From documenting everything to negotiating smartly, they ensure you don't settle for less than you deserve.
17 min
EP.64
Uncover the Roles of Healthcare Experts in Workers’ Comp
Carmen and Bilal team up with doctors from Pain & Rehab Consultants Medical Group (Dr. Jamasbi, Dr. Morley, and PA Donny Cho) to shed light on the pivotal roles healthcare professionals play in comp cases workcomptalk.net . They explain what doctors do in a work injury case and define key things injured workers should know when seeing a doctor during recovery (for example, what information to share, how treatment notes affect your claim, etc.) workcomptalk.net . It's an insightful discussion bridging the gap between medical treatment and the comp legal process.
34 min
EP.63
Penalties and Sanctions
Ever had your checks delayed? Carmen and Bilal take listeners on a "gripping journey" into the world of penalties and sanctions that California can impose on insurance companies for delayed payments workcomptalk.net . They inform injured workers about their rights when compensation is delayed or denied, and how you can seek additional compensation (penalties) if the insurer messes up workcomptalk.net . The hosts break down the process in simple terms, empowering you to hold insurers accountable for late checks.
26 min
EP.62
Never Accept the First Workers’ Comp Offer!
Managing Attorney Bilal Kassem and host Carmen Ramirez strongly advise injured workers: don't jump at the first settlement offer workcomptalk.net . They explain how settlements and benefits are calculated and who is responsible for sharing that info, then emphasize why the first offer is often low. With expert advice and insights, they encourage listeners to be patient, negotiate, and stay empowered rather than settling too quickly for less than they deserve workcomptalk.net workcomptalk.net .
22 min
EP.61
The Intersection of Workers’ Comp, State, and Federal Benefits
Carmen and Bilal break down how workers' comp interacts with other benefit programs like State Disability Insurance (SDI), Social Security/Supplemental Security Income (SSI), Medi-Cal, and Medicare workcomptalk.net . They explain filing claims, eligibility, and potential overlaps between these systems – so you don't leave any money on the table. By shedding light on this often confusing overlap, they aim to empower listeners to maximize all benefits available and navigate the system effectively workcomptalk.net .
17 min
EP.60
Top Workers’ Comp Questions Answered
Bilal and Carmen are back answering more frequent questions from injured workers in another informative Q&A workcomptalk.net . They dive into practical concerns – like dealing with a problematic attorney's office (what if your lawyer or their assistant isn't responsive?), how long Temporary Partial Disability benefits last (and what to do after the 104-week limit), and how to apply for state disability once comp payments end workcomptalk.net . This episode empowers listeners with knowledge on navigating those tricky, real-life situations in the comp process.
19 min
EP.59
The Overlap Between Workers’ Comp and Employment Law
This episode explores how workers' comp intersects with employment law on issues like workplace rights and wage rules. Carmen and Bilal discuss the legal framework governing employment and how it ties into comp claims – for example, how labor laws protect injured workers' jobs, or what happens if an injury also involves wrongful termination or wage disputes workcomptalk.net . It's an educational dive into understanding the broader legal context (state and federal) that comp claims sit within.
25 min
EP.58
Your Top Workers’ Comp Questions Answered
Looking for answers to California workers' comp FAQs? Look no further! In this episode, Bilal and Carmen cover burning questions such as: Should you attend a QME even if the defense attorney doesn't want you to? What if your primary doctor retires or leaves the network? Can you "double dip" with a comp settlement and a personal injury settlement? They provide the answers you need to navigate the complex world of comp in California workcomptalk.net .
22 min
EP.57
Job Discrimination and Workers’ Comp
Carmen and Bilal confront the issue of workplace discrimination, especially when someone is on workers' comp. Bilal shares stories from cases he's handled, illustrating different types of discrimination (age, gender, race, disability) that injured workers might face on the job workcomptalk.net . They also discuss how hard it can be to seek justice – but emphasize the importance of standing up for your rights and getting legal help if you believe you're being discriminated against while on comp workcomptalk.net .
21 min
EP.56
Vacation Time and Workers’ Comp
Can you use your PTO to survive on comp? Carmen and Bilal tackle two topics: taking vacation time and navigating workers' comp in California workcomptalk.net . They discuss whether injured workers have to use up vacation/PTO while recovering and what if you'd rather not. They answer these questions and more, clarifying how vacation time fits into the comp equation and what both employees and employers need to know about it workcomptalk.net .
16 min
EP.55
Ultimate FAQ Guide to Settlements in Workers’ Comp
This episode is a comprehensive guide to workers' comp settlements in California. Bilal Kassem answers the most common questions injured workers have about settling their case workcomptalk.net . He addresses issues like "How much will I get?" and "Will it be taxed?" and "What about penalties for delays?" workcomptalk.net – essentially covering all the FAQs. It's structured like a checklist of key settlement questions and detailed answers, making it an invaluable resource for anyone nearing a settlement.
20 min
EP.54
The High Cost of Employee Misclassifications in Workers’ Comp
Misclassification (when an employer wrongly labels a worker as an "independent contractor" or similar) can mean no coverage when you're hurt. Carmen and Bilal delve into what happens to workers who are misclassified workcomptalk.net . They explain how misclassification can strip an injured worker of comp benefits entirely, and talk about the legal complexities around it. Through real stories, they illustrate the struggles misclassified injured workers face and stress why proper classification (and knowing your rights if misclassified) is so important workcomptalk.net .
26 min
EP.53
Is it Worth it to Work While on Workers’ Comp?
Carmen and Bilal explore the challenges of continuing to work while you have an open comp claim or are receiving benefits. They take a deep dive into the daily struggles of people trying to keep working despite pain and injury – essentially, "making ends meet" while on comp workcomptalk.net . Listeners hear about the bureaucratic hurdles and the physical/emotional toll of working injured, with advice and shared experiences for those in this tough situation workcomptalk.net .
33 min
EP.52
Answering Your Workers’ Comp Questions
In a special Q&A episode, Bilal and Carmen sit down to answer the most frequently asked questions submitted by listeners workcomptalk.net . They cover a wide range – from settlement timelines to what to do when a case is denied – clearing up common doubts in a conversational, easy-to-understand way. This episode is essentially an FAQ session that provides clarity on numerous comp topics in one go workcomptalk.net .
33 min
EP.51
Appreciating the Value of Workers’ Compensation
Not everything about the comp system is bad! Carmen and Bilal highlight the positive side of California's workers' comp workcomptalk.net . They list the good benefits injured workers do get: for example, you pay nothing out-of-pocket for treatment, all necessary medical care is covered (hospital, doctor visits, PT, etc.), and there are vocational retraining benefits that give you a second chance at a new career workcomptalk.net . It's a refreshingly optimistic take on how the system can actually help workers.
25 min
EP.50
The Intersection of Medicine and Law
Recorded at an exclusive San Diego conference (CISMS) bridging medicine and law, this episode sees Carmen and Bilal bringing together doctors and attorneys workcomptalk.net . They discuss what doctors often struggle with when writing medical-legal reports (like QMEs) and what information comp lawyers really need from medical reports. Bilal, who spoke at the conference, shares insights from both the medical and legal sides, making it a must-listen for anyone interested in how doctors and lawyers can work together in comp cases workcomptalk.net .
22 min
EP.49
Hiring a Workers’ Comp Attorney Gets You More Money
Carmen and Bilal tackle a big misconception: some people think comp attorneys work for the insurance or just don't care. They debunk this myth, explaining that actually the more you get, the more your attorney gets paid, so a good lawyer wants the highest settlement for you workcomptalk.net . They then address the "elephant in the room" by detailing how having a lawyer can lead to better settlement amounts, and clarify how attorney fees work (who pays and how much). This episode lays out why having legal representation often pays off in the end workcomptalk.net .
27 min
EP.48
We are back!
After a break, Carmen Ramirez and Bilal Kassem return with new topics. They announce a fresh season of Work Comp Talk and jump right into discussing California's new law (AB 2188) that protects employees who use cannabis off the job workcomptalk.net . They explain what this law (effective Jan 1, 2024) means for workers—basically, you can't be punished at work for legal off-duty cannabis use—and set the stage for more cutting-edge comp topics ahead.
17 min
EP.47
Why Does Workers’ Comp Pay So Little?
Were you or someone you know injured at work and shocked by how low the checks are? Carmen and Bilal discuss why California's workers' comp benefits often feel insufficient workcomptalk.net . Bilal, with a decade of experience, walks through scenarios like paltry temporary disability checks and explains ways injured workers can help themselves. The takeaway: the system isn't generous, so you need to know how to navigate it—and don't hesitate to get help to improve your outcome workcomptalk.net .
22 min
EP.46
California Workers’ Comp Frequently Asked Questions
Carmen and Bilal answer real viewers' FAQs about workers' comp in a rapid-fire Q&A session workcomptalk.net . They tackle questions about spine surgeries in settlements, late payment penalties, handling claims with multiple injured body parts, whether California attorneys can handle out-of-state cases, what depositions are like, and more workcomptalk.net . This episode is packed with quick answers to common comp questions.
30 min
EP.45
Understanding Pre-Existing Injuries in Workers’ Comp
Pre-existing conditions can complicate a claim. In this episode, Bilal shares examples of how the CA workers' comp system deals with cases where an injured worker had a prior injury or condition workcomptalk.net . They explain that sometimes a work injury "overlaps" with an old injury—and if doctors decide the work accident didn't actually make things worse, the case could even be dismissed. Carmen and Bilal highly recommend getting legal advice if you have a pre-existing injury and then get hurt at work workcomptalk.net workcomptalk.net .
21 min
EP.44
What is Court Like Workers’ Comp?
Carmen dives into a critical topic: an injured worker's right to a second medical opinion workcomptalk.net . She and Bilal discuss when and how to request a second opinion on your treatment plan, why getting another doctor's view can be a game-changer (for example, if you're being pressured to return to work too soon), and what to expect during the second-opinion process workcomptalk.net .
25 min
EP.43
The 5 Biggest Mistakes That Can Cost You Your Workers’ Comp Case
Going it alone in workers' comp is risky. Carmen and Bilal outline the top mistakes unrepresented workers make in the comp system workcomptalk.net . They explain that many injured workers don't have the knowledge or tools the insurance companies do, so errors can be costly—some mistakes can even get your case dismissed or your benefits cut off. Knowing these pitfalls helps listeners avoid them.
34 min
EP.42
Fighting Denials in Workers’ Comp
Denied claim? You're not alone. Carmen and Bilal list all the ways a California workers' comp case can get denied—sometimes for medical reasons, sometimes for factual disputes, or sometimes "just because." They then discuss how you can fight back. From appeals to obtaining neutral medical opinions, this episode is a roadmap for battling a denied workers' comp claim workcomptalk.net .
28 min
EP.41
Credits in Workers’ Comp
What are "credits" and why do insurance companies want them? Carmen and Bilal explain that credits allow an insurer to "get their money back" by applying something they've already given you to future benefits workcomptalk.net . They outline situations where insurers become entitled to credits (sadly, more often than you'd think) and discuss how these credits can pop up at any stage of a case, potentially reducing what an injured worker ultimately receives workcomptalk.net .
22 min
EP.40
Workers’ Comp in a Crippled Economy
How does an economic downturn affect workers' comp? Bilal Kassem joins Carmen to discuss the ripple effects a crippled economy can have on the comp system. They walk through what injured workers might face during tough economic times and why some might even think twice before reporting an injury. The hosts stress preparation and understanding how the system works in order to weather hard times workcomptalk.net .
39 min
EP.39
Gunshots, Denials and 8 Years of Workers’ Comp!
Not every comp case is straightforward—some are battles. Carmen and Bilal dive into a unique story involving gunshot wounds, repeated denials, appeals, and an ongoing 8-year fight in the workers' comp system. This dramatic case shows just how wrong things can go, describing an injured worker's gruesome ordeal and highlighting the extreme challenges some face when the system fails workcomptalk.net .
20 min
EP.38
The Dangers of Working at Tesla
Bilal Kassem draws on nearly 200 Tesla injury cases his firm has handled to expose what's happening behind the scenes at Tesla facilities. He raises red flags about the hazards Tesla workers face and discusses why these cases are piling up. The episode urges anyone injured at work to seek help, presenting Tesla as a case study of workplace dangers and the importance of legal advocacy workcomptalk.net .
20 min
EP.37
The Ultimate Guide To Settling Your Workers’ Comp Case
Settling a comp case is a big deal, and timing is everything. Carmen and Bilal share clues to help you figure out if settling your case makes sense or if it's too soon. They walk through examples, analyze common fears (like missing out on future benefits), and provide tips to decide the right time to settle. Bilal, having helped thousands of injured workers, explains what to look out for before you sign on the dotted line workcomptalk.net workcomptalk.net .
23 min
EP.36
Is Pain and Suffering Really Covered By Workers’ Comp?
Carmen and Bilal explain how California law largely eliminated extra compensation for "pain and suffering" in work comp cases after 2013. They discuss legislative reforms that prevent increases in permanent disability for psychological or sleep problems stemming from physical injuries (unless the case is catastrophic or violent). Essentially, they outline why workers' comp usually doesn't pay for pain and suffering workcomptalk.net workcomptalk.net .
19 min
EP.35
The Secrets of Crowdfunding (with Robert Garland)
Robert Garland of FundTheFirst joins to discuss crowdfunding for personal tragedies. They talk about how platforms like FundTheFirst verify fundraisers to prevent scams. This episode covers using online campaigns to cover unexpected expenses (like funerals or family needs after an injury) and how verified crowdfunding can help families when traditional benefits fall short workcomptalk.net workcomptalk.net .
33 min
EP.34
Ultimate Guide to Utilization and Independent Medical Reviews
Utilization Reviews (UR) and Independent Medical Reviews (IMR) are complicated parts of comp that few discuss. Carmen and Bilal demystify UR and IMR - the processes used when medical treatment is requested or denied. They explain why injured workers often get a simple "No" with no explanation, and break down the good and bad of how medical treatment approvals work (or don't work) in California's system workcomptalk.net workcomptalk.net .
22 min
EP.33
Contractors and Workers’ Comp
Many injured workers get denied benefits due to being misclassified as "contractors." Carmen and Bilal explain the difference between an employee and an independent contractor in workers' comp. They discuss how some employers try to save money by misclassifying workers, and they give great tips on managing a comp claim if you've been called a contractor but shouldn't be workcomptalk.net .
27 min
EP.32
Advocating for Human Rights (Eric Farber and Tommy Lee)
Eric Farber (Pacific Workers' founder) and Tommy Lee from the Comisión Latinoamericana de Derechos Humanos in Medellín discuss expanding advocacy beyond U.S. borders. They talk about fighting poverty and helping others regardless of nationality. The conversation connects helping injured workers at home to supporting human rights abroad workcomptalk.net workcomptalk.net .
42 min
EP.31
The Story of Mark Hawke
This episode tells the true story of Mark Hawke, a live-in caregiver for a disabled veteran, and the crazy ups and downs of his workers' comp case. Carmen and Bilal recount the hoops and challenges Mark faced along the way. It's a dramatic example of how unpredictable and arduous a comp claim can be, highlighting perseverance through adversity workcomptalk.net .
41 min
EP.30
Death Benefits in Workers’ Comp
Bilal Kassem covers the difficult topic of death benefits for dependents when a worker dies from a job injury. He explains who qualifies as a dependent and what payments they receive, including burial expenses and cash benefits. The episode sheds light on the amounts and process, helping families understand their rights in tragic situations workcomptalk.net .
26 min
EP.29
Permanent Disability in Workers’ Comp
Bilal explains how permanent disability (PD) ratings work in California. He talks about how doctors assign ratings to body parts and what factors they consider. Listeners learn what "permanent disability" really means, and how these ratings affect the benefits an injured worker can receive workcomptalk.net .
26 min
EP.28
Social Media Dangers in Workers’ Comp
Think twice before you post! Carmen and Bilal outline what not to do on social media during a legal case. They warn injured workers that anything posted online can and will be used against them. This quick rundown covers how Facebook, Twitter, TikTok, etc., could complicate your claim - and how to avoid those pitfalls workcomptalk.net .
18 min
EP.27
Why You Should Hire a Workers’ Comp Attorney!
Filing a comp claim can be confusing. In this episode, Carmen and Bilal explain the benefits of hiring a workers' comp attorney. They share how the right representation can make the process make sense and often lead to better results. With tips and stories, they illustrate how an attorney can improve the outcome of a work injury case workcomptalk.net .
33 min
EP.26
Workers’ Compensation for Firefighters
Firefighters face unique risks and special legal presumptions. Bilal and Carmen discuss what benefits firefighters are entitled to and the special rules (presumptions) that apply only to first responders. They talk about common firefighter injuries and how the law accounts for them, giving insight into how comp works for these heroes workcomptalk.net .
EP.25
Personal Injury VS Workers’ Comp
Many cases involve both a personal injury claim and a workers' comp claim. Carmen and Bilal highlight what you need to know if you have an injury that crosses over into both areas. They share important information on the exceptions and scenarios where you can't get both personal injury and workers' comp benefits, helping listeners understand the boundaries of each workcomptalk.net .
18 min
EP.24
Dealing with Workers’ Comp Claim Adjusters
Carmen and Bilal dive deep into the role of the claims adjuster in a comp case. They explain what adjusters do, what you should share with them and what you shouldn't, and how adjusters may affect your claim. This episode gives injured workers a clearer picture of who's handling their case behind the scenes workcomptalk.net .
19 min
EP.23
The Story of Donny Mozzetti
In this episode, a real injured worker, Donny Mozzetti (a Pacific Workers' client), shares the ups and downs of his workers' comp journey. Donny's story sheds light on mistakes he made and lessons learned over two injuries. By hearing Donny's personal experience with mental health and depression during his case, others can gain insight and hope workcomptalk.net .
70 min
EP.22
The Secrets to a Successful QME Appointment (with Dr. Miry Naweed)
Chiropractor Dr. Miry Naweed (who also serves as a Qualified Medical Examiner) joins the show to discuss QME evaluations. They talk about how chiropractic care and QME exams can affect a comp case. Listeners learn what a QME does and get tips on how to approach these evaluations, which can make or break a claim workcomptalk.net .
41 min
EP.21
What is a Deposition in Workers’ Compensation?
Nervous about a deposition? Carmen and Bilal break down the deposition process in workers' comp cases. They explain what a deposition is, what injured workers can expect when facing the insurance company's attorney and a court reporter, and how to prepare so there's no reason to be afraid workcomptalk.net .
16 min
EP.20
Bilal Kassem – Medical Treatments in Workers’ Compensation
Bilal Kassem returns to explain why getting medical treatment through workers' comp can be a nightmare. He discusses issues injured workers face when seeking treatment, from approvals to dead-ends, and emphasizes that every case is different. Bilal highlights how some cases breeze through while others stall—and why having legal help can make a difference workcomptalk.net .
12 min
EP.19
Bilal Kassem – CA Workers’ Comp Settlements
Pacific Workers' co-founder Bilal Kassem walks listeners through different types of workers' comp settlements in California. He explains why understanding settlement options is crucial at any stage of a claim. Bilal answers common questions about how settlements work so injured workers can make informed decisions workcomptalk.net .
30 min
EP.18
Alex Neang – Northern CA Cement Masons & Plasterers Union (Local 300)
Union organizer Alex Neang discusses opportunities in the trades for people looking for a new career. He explains how to join the union, the benefits of union membership, and the safety measures unions enforce to protect workers. This episode highlights how hands-on careers and union support can change lives workcomptalk.net .
35 min
EP.17
Craig Shoemaker – Laughter Heals
(Season 2, Ep7) Craig Shoemaker shares his experiences with using humor as a healing tool. He talks about his career in comedy and how laughter can enhance recovery. Craig's stories and insights illustrate how injured workers might benefit from positivity and laughter in the healing process workcomptalk.net .
60 min
EP.16
Dr. Amy Ni – COVID-19 Through the Eyes of Frontline Doctors
Pulmonologist Dr. Amy Ni provides a first-hand account of treating COVID-19 patients. She describes what the coronavirus does to the lungs and how the pandemic has changed everything doctors thought they knew. Dr. Ni's in-depth conversation reveals the frontline reality of COVID-19 in hospitals workcomptalk.net .
23 min
EP.15
Bernie J. Kempen – Getting a Settlement While Divorcing
Family law attorney Bernie Kempen addresses the difficult intersection of divorce and a work injury case. He explains how a pending divorce can affect a workers' comp settlement. Bernie shares practical advice on protecting yourself legally when dealing with both a marital breakup and a comp claim workcomptalk.net .
29 min
EP.14
Leland Thompson – Skills Needed to Succeed in Life
Leadership coach Leland Thompson shares his career journey from retail to tech to entrepreneurship. He emphasizes holistic self-improvement—mind, body, and spirit—and discusses how discipline and focus helped him succeed, offering tips listeners can apply in their own careers (as seen in his executive coaching philosophy) workcomptalk.net .
53 min
EP.13
A Conversation with Rebecca Kaplan (Oakland City Council President)
Oakland Council President Rebecca Kaplan joins the show to talk about Oakland's challenges and why she seeks another term. She and the hosts discuss current city issues and Kaplan's vision, providing insight into local governance amid 2020's unique context workcomptalk.net .
56 min
EP.12
A Conversation with Derreck Johnson (Oakland City Council Candidate)
In this special episode, Carmen and Eric speak with Oakland City Council At-Large candidate Derreck Johnson. They discuss key city issues and Johnson's campaign, noting that he's endorsed by prominent figures like then-Sen. Kamala Harris and Oakland Mayor Libby Schaaf workcomptalk.net .
44 min
EP.11
Covid Update for Essential Workers (Season 2, Episode 1)
Carmen and Bilal discuss the expiration of California's COVID-19 presumption law for essential workers. They review the emergency law Governor Newsom passed in 2020 and talk about what changed after it expired, highlighting what still needs to be updated for affected workers workcomptalk.net .
27 min
EP.10
Maggie Insdorf – Good Mental Health is Good Health
Therapist Maggie Insdorf addresses mental health challenges like depression and anxiety, especially in the context of work injuries. She discusses breaking the stigma around mental health and shares strategies for maintaining psychological well-being during recovery workcomptalk.net .
33 min
EP.9
Dan Mora – How Much Has Changed in the World of Workers’ Comp?
Dan Mora discusses the impact of COVID-19 on the workers' comp world. He explores how the pandemic has changed business operations and what those changes mean for workers' comp clients, offering perspective on the evolving landscape workcomptalk.net .
25 min
EP.8
Dr. Sontag – Getting to Know the Firefighters in Our Community
(Season 1 Episode 8 featuring Zac Unger - firefighters union president) President of the Alameda County Firefighters Union, Zac Unger, talks about how first responders have adapted protocols during COVID-19 and what the community can do to help. He provides insight into firefighters' experiences and safety measures in these unprecedented times workcomptalk.net .
43 min
EP.7
Laughter Heals (with Craig Shoemaker)
Comedian Craig Shoemaker shares how Laughter Heals, his non-profit, uses humor to aid healing. He discusses the science behind laughter's health benefits and explains how injured workers can use comedy and positivity as part of their recovery workcomptalk.net .
59 min
EP.6
Guiding Injured Workers to a Better Future (with Hazel Ortega)
Vocational counselor Hazel Ortega discusses options for injured workers who can't return to their old jobs. She explores how to use vocational vouchers and other benefits to retrain for new careers that injured workers will love workcomptalk.net .
38 min
EP.5
Treating Work Injuries During Coronavirus with Dr. Mark Sontag
Dr. Mark Sontag shares how doctors are handling patients and treating work injuries during the COVID-19 pandemic. He addresses unanswered questions about continuing medical care and describes how protocols have changed for healthcare providers workcomptalk.net .
32 min
EP.4
Coronavirus and Tenant Laws with Eric Toscano
Tenant-law attorney Eric Toscano discusses tenants' rights during the COVID-19 pandemic. He answers essential questions on dealing with rent and landlords in these uncertain times and explains what protections tenants have amid the crisis workcomptalk.net .
39 min
EP.3
How to Handle Stress During Coronavirus with Dr. Tommy Wolf
Chiropractor Dr. Tommy Wolf talks about stress and anxiety during the COVID-19 crisis. He offers advice on managing stress for better mental health and explains techniques to cope during these unprecedented times workcomptalk.net .
31 min
EP.2
Corona Virus (COVID-19) Special with Bilal Kassem, Workers Compensation Attorney
Bilal Kassem addresses workers' comp issues related to COVID-19. He answers questions like what happens if you're exposed to coronavirus at work and whether you're entitled to benefits, providing crucial insights during the pandemic workcomptalk.net .
38 min
EP.1
Otis Landerholm on Immigration Law and Workers Compensation
Otis Landerholm joins the podcast to discuss the intersection of workers' comp and immigration law under the current administration, including thoughts on how COVID-19 might affect immigration laws workcomptalk.net .
50 min
Be The First To Know When The Next Episode Drops.
Stay connected with Work Comp Talk! Tune in weekly as hosts Carmen Ramirez and Bilal Kassem bring you insightful conversations with industry experts, from lawyers and doctors to work coaches and fitness specialists. Subscribe now and never miss an episode.
Brands
Find Us
© 2025 WORK COMP TALK