Ferrell v. Cigna Property & Casualty Insurance Co.

33 S.W.3d 731, 2000 Tenn. LEXIS 686, 2000 WL 1800549
CourtTennessee Supreme Court
DecidedDecember 8, 2000
DocketM1999-01669-WC-R3-CV
StatusPublished
Cited by35 cases

This text of 33 S.W.3d 731 (Ferrell v. Cigna Property & Casualty Insurance Co.) is published on Counsel Stack Legal Research, covering Tennessee Supreme Court primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Ferrell v. Cigna Property & Casualty Insurance Co., 33 S.W.3d 731, 2000 Tenn. LEXIS 686, 2000 WL 1800549 (Tenn. 2000).

Opinion

OPINION

DROWOTA, J.,

delivered the opinion of the court,

in which ANDERSON, C.J., BIRCH, HOLDER, and BARKER, JJ., joined.

This workers’ compensation case presents two issues for review concerning the *733 merits of the employee’s claim for benefits. The first is whether this action is barred by the statute of limitations. The second is whether the preponderance of the evidence establishes that the employee’s injury was-work-related. The trial court ruled that the statute of limitations had expired, and it also addressed the merits and found that the employee failed to prove that his injury was work-related. We hold that the statute of limitations had not expired, and we further hold that the trial court’s dismissal of the employee’s claim should be affirmed on the merits because the evidence does not preponderate against the trial court’s finding that the employee’s injury was not work-related. In addition to the merits of this suit, we also granted review to determine the legality of the trial court’s practice of referring workers’ compensation cases to a clerk and master for trial. We hold that the proper procedure for appointing a special/substitute judge was not followed; however, reversal is not required because the Clerk and Master was acting as a de facto judge.

The employee, Harold W. Ferrell, Sr. (“Ferrell”), began working for APAC-Ten-nessee, Inc. (“APAC”), a construction company, in 1970. APAC, an appellee, obtains workers’ compensation insurance through Cigna Property & Casualty Insurance Co., also an appellee. During his twenty-eight years with APAC, Ferrell worked as a bulldozer operator on construction sites and then as a foreman. While on the job he was exposed to loud noise from machinery and explosives.

Ferrell had hearing problems since he was a child, but he testified that his hearing loss became more serious when he started working for APAC, and that at work he experienced ringing in his ears, headaches, and «dizziness. He first sought treatment in 1974 with Dr. Richard Bryan Bell (“Dr.Bell”), an ear, nose, and throat specialist, who became his sole treating physician for the next twenty-four years. As part of his treatment, Dr. Bell performed surgery on Ferrell’s ears in 1974, in 1983, and again in 1994. Following the first operation, Ferrell began wearing hearing aids. Dr. Bell determined that he had a 34% combined hearing loss to both ears in 1974. By 1998, according to Dr. Bell, he had sustained a 100% hearing loss in the right ear, an 81% hearing loss in the left ear, and a combined hearing loss of 84% to both ears. The cause of this deterioration is the centerpiece of this case: Ferrell claims his hearing declined because of exposure to loud noise at work; APAC claims that his hearing problem is structural in nature, resulting from a congenital condition.

Ferrell testified at trial that he did not seek to determine whether his hearing loss was work-related until he stopped working for APAC in April 1998. At that point he went to his attorney, who, according to Ferrell, counseled him to file suit on the theory that his hearing loss might be work-related. Ferrell testified that he first thought his hearing loss was in fact work-related on August 25, 1999, the day before trial, when he saw a Standard Form Medical Report for Industrial Injuries (“C-32 Form”) which Dr. Bell filled out in March 1999.

Ferrell stated that during his long doe-tor-patient relationship, although he had talked to Dr. Bell about his work, the two never discussed the possibility that loud noise caused his hearing loss, and Dr. Bell never cautioned him to limit his exposure to loud noise. He also testified that he never asked Dr. Bell if his work environment contributed to his hearing loss. As proof of Ferrell’s credibility (which the trial court acknowledged), Ferrell notes that he never filled out workers’ compensation forms when he had his three surgeries — and he would likely have done so if he believed his injury was work-related. He notes that his son, who also works at APAC and has a hearing problem, received notice from a doctor that his condition was probably inherited rather than work-related. Aware of this notice, Ferrell had further reason to rely on his long- *734 held belief regarding the cause of his hearing loss. Finally, Ferrell only had an eighth grade education.

The only medical evidence presented at trial was the C-32 Form. This Form, and the medical records attached to it, indicate that Dr. Bell made two separate diagnoses: (1) conductive hearing loss and (2) permanent sensorineural loss. Dr. Bell’s records indicate that the second diagnosis is based on the harm caused to the nerves by exposure to loud noise. The first diagnosis of conductive loss, however, is not correlated to loud noise but rather appears to be caused by physical damage to the inner ear; as noted, Ferrell has had problems with his ears since childhood.

These records also show that Dr. Bell appeared to consistently diagnose Ferrell as suffering from conductive hearing loss, from 1974 through 1994, for during this time no mention is made of sensorineural loss or exposure to loud noise. Then, after the 1994 surgery, Dr. Bell briefly mentions in his post-operative report that in addition to conductive loss Ferrell had sustained sensorineural loss. The only other mention of sensorineural loss is when he treated Ferrell on two occasions in 1998. After these appointments, Dr. Bell wrote in a letter and then in a report that forms the basis of the C-32 Form that Ferrell suffers from sensorineural loss because of his exposure to loud noise at work. Since Dr. Bell did not testify at trial or in a deposition there is no explanation for this apparent inconsistency in the record.

Ferrell testified that Dr. Bell never told him that his exposure to noise had anything to do with his hearing problem; he testified that they never discussed the possible causal relation between his work environment and hearing loss in their twenty-four-year relationship. Again, Dr. Bell’s medical reports, without his testimony, do not explain or clarify this unusual fact. As noted, Ferrell testified that he had no knowledge of the sensorineural diagnosis until the day before trial.

At trial, the court considered Dr. Bell’s medical reports and Ferrell’s testimony. The court found that Ferrell failed to meet the statute of limitations period. The court addressed the merits of his suit and concluded that his injury was not work-related: Dr. Bell’s twenty-year conductive loss diagnosis outweighed his more recent finding of sensorineural loss. Ferrell appealed the trial court’s decision. The case was referred to the Special Workers’ Compensation Appeals Panel but was withdrawn from the Panel prior to its issuance of a memorandum opinion so this Court could review several issues. The first issue is whether Ferrell’s suit is barred by the statute of limitations. The second is whether the preponderance of the evidence establishes that Ferrell’s hearing loss is work-related. We also consider the procedure used by the trial court in referring workers’ compensation cases to the Clerk and Master.

Standard Of Review

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Cite This Page — Counsel Stack

Bluebook (online)
33 S.W.3d 731, 2000 Tenn. LEXIS 686, 2000 WL 1800549, Counsel Stack Legal Research, https://law.counselstack.com/opinion/ferrell-v-cigna-property-casualty-insurance-co-tenn-2000.