Sue Ann Stinson v. the Insurance Company of the State of Pennsylvania, Gallagher Bassett Services, Inc., and Belinda Ybarra

CourtCourt of Appeals of Texas
DecidedApril 30, 2009
Docket14-07-00698-CV
StatusPublished

This text of Sue Ann Stinson v. the Insurance Company of the State of Pennsylvania, Gallagher Bassett Services, Inc., and Belinda Ybarra (Sue Ann Stinson v. the Insurance Company of the State of Pennsylvania, Gallagher Bassett Services, Inc., and Belinda Ybarra) is published on Counsel Stack Legal Research, covering Court of Appeals of Texas primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Sue Ann Stinson v. the Insurance Company of the State of Pennsylvania, Gallagher Bassett Services, Inc., and Belinda Ybarra, (Tex. Ct. App. 2009).

Opinion

Motion for Rehearing Overruled; Opinion issued March 24, 2009 Withdrawn; Reversed and Remanded and Opinion filed April 30, 2009

Motion for Rehearing Overruled; Opinion issued March 24, 2009 Withdrawn; Reversed and Remanded and Substitute Opinion filed April 30, 2009.

In The

Fourteenth Court of Appeals

_______________

NO. 14-07-00698-CV

SUE ANN STINSON, Appellant

V.

THE INSURANCE COMPANY OF THE STATE OF PENNSYLVANIA, GALLAGHER BASSETT SERVICES, INC., AND BELINDA YBARRA, Appellees

On Appeal from the 61st District Court

Harris County, Texas

Trial Court Cause No. 2005-72953

S U B S T I T U T E   O P I N I O N 

Appellees= motion for rehearing is overruled.  The opinion issued on March 24, 2009 is withdrawn.  This opinion is issued as the substitute.

Appellant Sue Ann Stinson challenges the dismissal of her suit asserting extra-contractual claims against appellees the Insurance Company of the State of Pennsylvania, Gallagher Bassett Services, Inc., and Belinda Ybarra.  Stinson contends the trial court erred in dismissing her suit for want of jurisdiction based on an asserted failure to exhaust available administrative remedies.  We reverse and remand.

Background

Stinson was working as a flight attendant on December 16, 2003 during a Continental Airlines flight from Los Angeles to Honolulu.  She fell backwards, hit her tailbone and head, and briefly lost consciousness when the aircraft came to an abrupt stop as it was taxiing for departure from Los Angeles.  The flight continued as scheduled, and Stinson was examined upon arrival in Honolulu by a doctor who diagnosed her injury as a concussion and cervical strain.

Stinson returned home to Spring, Texas, and was examined by Dr. Robert Turner.  He ordered Stinson not to work until January 1, 2004.  Dr. Turner believed that Stinson=s injuries would resolve themselves without treatment, and that she would reach maximum medical improvement by February 1, 2004. 

Continental reported Stinson=s injury to Gallagher Bassett, a third-party administrator for Continental=s workers= compensation carrier, the Insurance Company of the State of Pennsylvania.  Gallagher Bassett initially assigned adjuster Denise Anderson to investigate Stinson=s claim; it later transferred the claim to adjuster Belinda Ybarra.  The insurance carrier paid Stinson temporary income benefits for her two-week absence from work.

Stinson began experiencing dizziness, numbness, and pain shortly after she returned to work in January 2004.  Stinson met with Dr. Turner again and he referred her to a chiropractor, Dr. Glenn Helton, who began treating her in January 2004.  Over the next several weeks, Dr. Helton advised Stinson to ask Dr. Turner to perform certain diagnostic tests and treatment.  Dr. Turner refused these requests. 

In late April 2004, Stinson asked to change her treating physician of record from Dr. Turner to Dr. Helton.  In May 2004, Dr. Helton ordered Stinson not to work.  Once Stinson began this absence from work, the insurance carrier began paying temporary income benefits to her.  Stinson underwent X-rays and an MRI exam in May 2004, which revealed cervical spondylosis, cervical disc protrusions, stenosis and annular tear, and lumbar disc protrusions.

In a letter dated June 15, 2004, Stinson was informed that adjuster Ybarra had asked  Dr. Zvi Kalisky to perform an independent medical examination of Stinson scheduled for July 1, 2004.

On June 30, 2004, neurologist Dr. David Tomaszek reviewed Stinson=s MRI results and examined her.  Dr. Tomaszek wrote a report on the same date in which he (1) observed that Stinson had not achieved significant improvement in the six months since her injury; and (2) recommended that Stinson undergo treatment including physical therapy.  His report states: AI have spoken to Dr. Helton by phone, and he has agreed to carry out a cervical flexion/distraction regimen over the next couple of weeks.  I have also put this woman on a Medrol 6 day Dosepak and will see her back in mid July.@  The report continues:  AShould her symptoms not improve, I would recommend transforminal epidural blocks at C4-5 and C5-6 on the right side . . . .@  The report further states: AUnder the most drastic circumstances of continued symptomatology . . . discography at C4-5, C5-6, and C6-7 could be done . . . and if necessary . . . an anterior cervical discectomy and fusion could be considered.@    

Dr. Helton testified at his deposition that cervical flexion and distraction is a form of physical therapy.  The Workers= Compensation Act requires preauthorization for physical therapy treatments.  See Tex. Lab. Code Ann. ' 413.014(c)(4) (Vernon 2006).  Dr.  Helton testified that he and Dr.  Tomaszek requested preauthorization for the recommended physical therapy.  Dr. Helton also testified that he faxed a copy of Dr. Tomaszek=s June 30, 2004 report to Gallagher Bassett.

After conducting an independent medical examination of Stinson on July 1, 2004, Dr. Kalisky wrote a report in which he disagreed with Dr. Tomaszek=s recommendation for Stinson to receive physical therapy.  Dr. Kalisky opined in his July 1, 2004 report that A[n]o further treatment is recommended other than a home-based exercise program.@  Dr. Kalisky  described Stinson=s status as Apost contusion/strain to the cervical and lumbar spine superimposed on age-related cervical and lumbar degenerative spondylosis.  The disk protrusions noted on MRI of the cervical and lumbar spine probably reflect preexisting degenerative disk disease.@  

Gallagher Bassett sent a first notice of claim dispute and refusal to pay benefits to Stinson on July 21, 2004.  This first notice states: ACarrier disputes the cervical and lumbar degenerative spondylosis as pre-existing and/or an ordinary disease of life.@

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Sue Ann Stinson v. the Insurance Company of the State of Pennsylvania, Gallagher Bassett Services, Inc., and Belinda Ybarra, Counsel Stack Legal Research, https://law.counselstack.com/opinion/sue-ann-stinson-v-the-insurance-company-of-the-sta-texapp-2009.