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Shannon King v. Zurich American Ins. Co.

Citation: Not availableDocket: 02-10-00109-CV

Court: Court of Appeals of Texas; February 16, 2011; Texas; State Appellate Court

Original Court Document: View Document

Narrative Opinion Summary

The case involves an appeal by a claimant challenging a trial court's decision denying her eligibility for Supplemental Income Benefits (SIBs) following a workplace injury. Initially rated with a 10% impairment by Dr. Joseph Jacko, the claimant sought a revised rating, which resulted in a 20% assessment. However, this rating was contested by Zurich American Insurance, arguing its invalidity based on prior court rulings against the advisories used. The Department of Worker’s Compensation (DWC) ultimately upheld a 5% rating by Dr. Stauch, dismissing the 20% rating as unsupported by guidelines. The trial court granted summary judgment in favor of Zurich, affirming the 5% rating and denying SIBs due to the rating's failure to meet the 15% threshold required for eligibility. The claimant appealed, asserting errors in the trial court’s rulings and the finality of the 20% impairment rating under Rule 130.102(h) of the Texas Administrative Code. The appellate court, applying a de novo standard, upheld the trial court's judgment, reiterating the absence of an unresolved dispute and the invalidity of Dr. Jacko’s rating, thus affirming the denial of SIBs and overruling all points of error raised by the claimant.

Legal Issues Addressed

Eligibility for Supplemental Income Benefits (SIBs)

Application: Ms. King's impairment rating of 5% rendered her ineligible for SIBs, which require a minimum rating of 15%.

Reasoning: However, since her rating was affirmed as 5%, which is below the 15% threshold for SIB eligibility, the trial court did not err in granting Zurich’s amended motion for full summary judgment.

Impairment Rating Finality under Texas Administrative Code Rule 130.102(h)

Application: The court affirmed that an impairment rating does not become final if there is an unresolved pending dispute, as Ms. King failed to provide evidence of a resolution for her 20% rating.

Reasoning: The trial court correctly concluded that the 20% rating was not final under rule 130.102(h), therefore affirming Zurich’s motion for partial summary judgment and denying Ms. King’s motion on finality.

Summary Judgment Standard of Review

Application: The court applies a de novo review standard for summary judgments, evaluating evidence favorably toward the nonmovant.

Reasoning: The standard of review for summary judgment is de novo, requiring the evidence to be viewed favorably toward the nonmovant, with reasonable inferences made in their favor.

Validity of Impairment Ratings under Texas Workers’ Compensation Act

Application: Dr. Stauch's 5% impairment rating was upheld as the valid assessment, as Dr. Jacko's ratings were deemed incorrect or based on invalid advisories.

Reasoning: Regarding Ms. King’s impairment rating, the trial court's acceptance of Dr. Stauch's 5% rating is supported by the Texas Workers’ Compensation Act, which mandates the adoption of a valid impairment rating from the assigned doctors.