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Date Created: 12/21/15
YOURG UIDE TO PENNSYLANIA W ORKERS COMPENSATION Prepared especially for you by Table of Contents A Message From Attorney Edgar Snyder A Message From Attorney Edgar Snyder 3 Eligibilty for Workers Compensation 5 Types of Workers Compensation Claims 7 Workers Compensation Benefits Payments 12 The Hearing Process 17 The Appeals Process 18 Company Doctor and IMEs 19 Frequently Asked Questions 21 This Guide to Pennsylvania’s Workers When You May Need a Lawyer 29 Compensation Law has been written to answer About Us 30 some of the most commonly asked questions about the Workers Compensation system in Pennsylvania.As you will learn, the laws covering injured workers are very complex. Please spend some time reading this guide so that you have a better understanding of your legal rights. Each year, tens of thousands of people are injured on the job in Pennsylvania.Although the Workers Compensation laws are supposed to help injured workers and their families maintain an adequate standard of living, the system doesn’t always work that way. The Workers Compensation system, which was originally designed to protect the worker, is often stacked against the worker. Many times the injured worker has difficulty in collecting compensation for work-related injuries since the burden of proof is put on the worker. 2 3 If you are injured on the job and are concerned about your rights to collect Workers Compensation E LIGIBILITY FOR W ORKERS C OMPENSATION B ENEFITS in Pennsylvania, you can contact our law firm toll- free at 1-800-9-4EDGAR for a free consultation. Our phones answer 24 hours a day, 7 days a week. ytilibigilE We will answer your questions without charge and there is no obligation to use our services. You may be eligible for Workers Compensation benefits in Pennsylvania if you: In addition, you can visit our Web site at edgarsnyder.com . • Are hurt on the job Aggravate a pre-existing injury Remember,injured workers have rights. • Make sure you protect yours. • Develop an illness that is work-related, such as asbestosis or carpal tunnel syndrome Sincerely, Here is a general rule for eligibility: Injuries that occur in the workplace, or that occur while “furthering”the business of an employer, such Attorney Edgar Snyder as traveling to a work-related appointment, may qualify you for Workers Compensation benefits.You may claim benefits even if you were negligent and at fault for the injury.Please note: Accidents that occur while traveling to or from work and during breaks generally do not qualify for Workers Compensation. olpmEyer ytilibisnopseR In Pennsylvania, most employers — even if they only have one employee — are required to carry Workers Compensation coverage for their employees. Therefore, almost all workers in Pennsylvania are protected by Workers Compen- sation and are generally eligible to receive these benefits if an injury occurs on the job. 4 5 olpmEyee ytilibisnopseR T YPES OF W ORKERS If you are injured at work, what you do after the accident could make the difference in whether C OMPENSATION C LAIMS Workers Compensation benefits are granted There are several types of claims that can be filed or denied. If you are injured on the job or become during the Workers Compensation process.An ill due to work-related conditions, immediately injured worker can file a claim petition or rein- statement petition against the employer or against report the injury to your employer or supervisor. You have 120 days to advise the employer of a the employer’s insurance company. On the other work-related injury or illness. In cases where the hand, the employer, or the employer’s insurance injury or illness is not immediately known, you company, can file petitions to terminate, modify, have 120 days from the time of awareness of the or suspend benefits against the injured worker.At injury or illness to notify your employer. If you some point during the process, either the injured alert your employer about the injury within 120 worker may ask, or the employer’s insurance company may offer to settle future compensation days, you then have three years from the date of injury, or from the date of awareness of the injury,benefits for a lump sum of money. to actually file a Claim Petition for Workers Compensation benefits. The different types of Workers Compensation claims are described below: mialC snoititeP If you alert your employer of a work-related injury or illness within the required 120 days, you have three years from the date of the injury to file any type of claim petition. The following are the types of Claim Petitions that you can file: Lossof Wages This is the type of claim that most people associate with Workers Compensation. Under Pennsylvania law, you are eligible to receive benefits if a doctor places you on medical leave from work for more than seven days. However, under this type of com- pensation, you need to be off of work and under a doctor’s care for at least 14 consecutive workdays to receive benefits for the first seven days. 6 7 Scarring snoititeP ,etanimreotT,yfidoM You can receive benefits for a scar to the head, ro dnepsuS feneBits face, or neck that was caused by an injury at work. While you are receiving Workers Compensation This is an additional payment above and beyond benefits, your employer’s insurance company can any Workers Compensation benefits, and can even try to stop the benefits. They do this by sending be paid if you go back to work after the injury, or you to a physician for an Independent Medical if you don’t miss any days of work as a result of the injury. This also applies if the scar was due to Exam (IME). If that doctor finds you fit to return to your pre-injury job, or to a modified-duty job, surgery related to the at-work injury.Please note: the insurance company will probably file a Many times insurance companies do not tell peo- Petition to Terminate, Suspend or Modify Benefits. ple about this benefit. Petitionto TerminateCompensationBenefits SpecificLoss You can also get paid for any specific loss — or When your employer files a Petition to Terminate Compensation Benefits, your employer is asking permanent loss of use — for injuries to the hand, the Bureau of Workers Compensation to stop forearm, arm, foot, leg, eye, thumb, fingers, or compensation payments for a particular reason. toes. Specific Loss also applies to any work-related The reason may be stated in the petition. Many hearing loss. This claim can even be paid if you go back to work after the injury, or if you don’t miss times, employers file this petition on the basis of a physician’s affidavit that states that you are no any days of work because of the injury. longer injured and can return to work.You have a right to defend the petition. If you do not attend a hearing, then payments may be stopped. If you do tnemetatsnieR noititeP Following a termination or suspension of Workers not report back to work, you could lose your job. Compensation payments, you can file a Petitionto ModifyCompensationBenefits Reinstatement Petition if you experience a recur- When your employer files a Petition to Modify rence of your original work injury disability that Compensation Benefits, your employer is asking results in a lack of earning power.You can reopen the Bureau of Workers Compensation to reduce the claim if benefits need to be reinstated for any the amount of money you receive from Workers reason. One reason for the reinstatement of bene- Compensation. The reason may be stated in the fits may be that you had to be taken off of the job petition. Usually, a physician has concluded that again as a result of the injury. Sometimes the the injury is not as disabling as it previously was insurance company will not voluntarily reinstate and has released you to a modified or“light duty” the benefits, so a petition will need to be filed.You job.Your employer has a modified job available generally need to file a reinstatement petition for you; however, you reject the job because the within 500 weeks of the date of the last Workers requirements to perform the job exceed the Compensation payment. physical restrictions placed on you by the physician.You have a right to defend the petition. 8 9 If you do not attend a hearing, then payments Important information about medical benefits: may be reduced. There is an important issue with medical benefits when you consider a lump sum settlement. Under Petitionto SuspendBenefits When your employer files a Petition to Suspend Pennsylvania’s Workers Compensation Law, the insurance company pays an injured worker’s Benefits, your employer is asking the Bureau of Workers Compensation to suspend payments for medical bills while they collect benefits. If you collect a lump sum settlement, the insurance a particular reason. The reason may be stated in company may or may not offer to provide a lump the petition, and may include your failure to sum for future medical care. Each case needs to be comply with certain requirements of the Workers evaluated individually to determine if it is a good Compensation Act. Usually, your employer has a different job available for you that you reject even idea to settle future medical benefits.This decision is largely dependent on the amount of medical though it pays the same amount as the pre-injury job paid.You have aright to defend the petition.If treatment you think you will need in the future. It is highly recommended that you consult with an you do not attend a hearing,then payments may be attorneybefore you make this decision. suspended. If you receive any of the petitions listed above and feel too injured to return to work,we recommend consulting an attorneybefore the payments are stopped.A Workers Compensation Judge is going to have to decide if compensation benefits can continue.This is a lengthy process that could involve as many as three or four hearings. rpmoC esimo dna esaeleR In a Compromise and Release, more commonly known as a“lump sum settlement,”the insurance company calls or sends a letter to you asking to settle future compensation benefits for a lump sum of money. The benefit to this settlement is that you can accept a lump sum of money and get on with your life.You can also initiate the call to the insurance company. Some injured workers would prefer to settle their case for a lump sum of money. 10 11 latoTytilibasiD myaP stne W ORKERS C OMPENSATION You can start collecting for lost wages after being B ENEFIT P AYMENTS off the job for seven days. The law entitles you to There are several types of benefits that an injured 2 collect3 of your current weekly gross wages up to worker may be eligible to receive under Penn- a maximum amount. This maximum is deter- sylvania’s Workers Compensation Law once the mined by the legal maximum amount available to claim has been approved: you during the year the injury occurred. Also, there are no“cost of living”increases in lacideM feneBsti Workers Compensation benefits. This means that you will collect that same benefit without any Once an injury or illness is determined to be work-related,you are entitled to payment of related increase for as long as Workers Compensation medical and surgical services performed by a benefits continue. doctor or other health care professional. Payment for hospital services, medications, medical ralaitP ytilibasiD myaP stne supplies, and orthopedic devices including You can collect Partial Disability if you return to a prostheses are also covered for the length of time prescribed. Even if you miss no time from work, light duty assignment that pays less than the pre-injury position paid.Workers Compensation health care costs, including medications, for a will pay/ of the difference in salary up to a work-related injury or illness would still be paid. 3 maximum of 500 weeks or 9 12 years. Please keep the following in mind: If your employer posts a list of panel physicians at the work place, Example: you must treat with one of these Company A worker originally held a position that paid Doctors to ensure payment of all medical eeses $500/week gross.An injury occurred on the job and the worker was unable to return to that original for the first 90 days of treatment. position. Instead, the worker started a light duty At some point, the insurance company may offer position that earned $400/week gross.Workers to pay future medical benefits in one lump sum. Compensation would then pay / of the $100 Each case needs to be evaluated individually to 3 difference or approximately $66 per week. The determine if it is a good idea to settle future medical new total weekly wage would then be $466. benefits. This decision is largely dependent on the amount of medical treatment you think you will need in the future. If the insurance company offers a lump sum settlement,itishighlyrecom- mended that you consult an attornyefore making this decision. 12 13 tnemyaP rof racSs pmuL muS Se stnemeltt You can receive benefits for a scar to the head, A lump sum settlement may be a good idea for face, or neck that was caused by an injury at work. you if you have been off the job and receiving This is an additional payment above and beyond Workers Compensation benefits for four months any Workers Compensation benefits, and can even or longer. This settlement enables you to collect be paid if you go back to work after the injury, or your Workers Compensation benefit in a lump if you don’t miss any days of work as a result of sum and move on with your life.Workers the injury. This also applies if the scar was due to Compensation weekly benefits for loss of wages surgery related to the at-work injury.Please note: do not continue to spouses or heirs after death.A Many times insurance companies do not tell peo- settlement for a lump sum allows you to have the ple about this benefit. option of investing the money. This settlement can be paid to you if both parties are in agree- ment. However, you should consult an attorney tnemyaP rof ficepSci ssoL should be consulted before making the decision to Specific Loss benefits are paid in a lump sum. The accept a lump sum settlement. amount of the compensation payment is based on the area of loss — or permanent loss of use — The maximum lump sum settlement you can for injuries to the hand, forearm, arm, foot, leg, receive,excluding medical benefits, is your weekly eye, thumb, fingers, or toes, and also for any Workers Compensation benefit multiplied by work-related hearing loss.You can collect pay- 500 weeks. ment even if you go back to work after the injury, Please remember:Each case needs to be evaluated or if you do not miss any days of work because of individually to determine if it is a good idea to settle the injury. future medical benefits.A lump sum settlement Please note:If you accept a Specific Loss settle- for future medical benefits is a separate issue from a loss of wages lump sum settlement. This decision ment, it may limit the overall Workers Comp- ensation payment.We strongly urge consulting is largely dependent on the amount of medical with an attorney before you accept a Specific Loss treatment you think you will need in the future. It settlement,to ensure that it is in your best interest. is highly recommended that you consult an attorneybefore making any decision. 14 15 htaeD feneBsti T HE H EARING P ROCESS If the work-related injury results in death,survivingThe Workers Compensation Act governs the dependents may be entitled to compensation. The procedures that must be followed at a Workers amount of compensation varies depending upon Compensation hearing.Although the hearing the relationship of the surviving dependents to is generally less formal than a civil or criminal the deceased worker. trial, there is nevertheless a certain procedure to be followed. Regardless of whether or not there are dependents of the deceased worker, a reasonable expense for Once you or your employer files a request, burial will be issued directly to the funeral aWorkers Compensation Judge is assigned from director by the employer’s insurance company to the county where you live to hear the request. help pay for the cost of funeral expenses. The amount of the expense paid is determined by the Examples of requests submitted for a hearing Workers Compensation Act. include: • An injured worker filing a claim petition seeking Workers Compensation benefits • An employer filing a Petition to Terminate, Modify or Suspend Compensation Benefits against an injured worker Once the Judge is assigned, a hearing date is set. All parties to the case are notified of the date, time, and place of the hearing.At the hearing, the Workers Compensation Judge hears evidence presented by both you or your attorney and your employer. More than one hearing is usually required. After all the evidence is submitted and the case is closed, the Workers Compensation Judge will circulate a written decision. If either party is not satisfied with this decision, the appeals process may begin. 16 17 T HE A PPEALS P ROCESS IMPORTANT I NFORMATION Any appeal must be made within the requiredA BOUT T HE C OMPANY time limits and follow this general pattern: D OCTOR AND INDEPENDENT •The decision of the Workers Compensation M EDICAL E XAMS (IME S) Judge can be appealed to the Workers Compensation Appeal Board. If your employer has a list of panel physicians •The decision of the Appeal Board can be posted at the work site, you must treat with one of appealed to the Commonwealth Court. these Company Doctors for the first 90 days of the disability in order to be compensated for any •The decision of the Commonwealth Court canmedical bills. If a panel of physicians is not posted only be appealed to the Pennsylvania Supreat the work site, you have the right to see a Court if the Pennsylvania Supreme Court grpersonal physician and to receive payment for the right to hear the appeal. Once the Penn- sylvania Supreme Court decides the case, thedical bills from the start.You can choose to appeals process is over and the decision itreat with a personal physician; however, if a list of Please keep in mind that each hearing can behysicians is posted, your employer doesnothave different depending upon the nature of the requestany medical bills until after the first 90 days of the disability. being heard. If the Company Doctor recommends extensive or invasive surgery, you have the right to seek a second opinion and to have your employer’s insurance company pay for that visit. However, any medical services recommended by the second opinion physician must be carried out by a Company Doctor for the first 90 days of treatment. After 90 days from the first treatment with a Company Doctor, you have the right to choose a personal doctor, chiropractor or other “practitioner of the healing arts.”Your employer’s insurance company needs to be notified within five days of this change to ensure that your doctor is paid.You also have the right to refuse to have a representative of the insurance company present during examinations with a personal doctor. However, your employer can request that you see a Company Doctor once every six months. 18 19 Doctor visits requested by your employer are F REQUENTLY A SKED referred to as Independent Medical Exams, or IMEs. During these exams, you are seen by a Q UESTIONS physician who is being paid by the employer’s insurance company.After these evaluations, the doctor may find that you are no longer injQredWhat should I do if I am injured on the job? and therefore capable of returning to work. What you do after your accident at work could Because the physician who is doing the IME is A make the difference in whether you receive paid by your employer’s insurance company, it Workers Compensation benefits or you are not unusual to have this doctor conclude that denied these benefits. Make sure you take the you are no longer injured. following action: You may agree with this physician and return t•Immediately report any work-related injury work, or you may not agree with the physician or illness to your employer or supervisor.You because of feeling too injured to return to work. If120 days to advise your employer of a you disagree with the physician and do not retutime you become aware that the injury or ill- to work, chances are your employer will file a ness is work-related to notify your employer. Petition to Terminate, Modify, or Suspend the •If you fail to report the injury to your employer Workers Compensation Benefits.A Workers within 120 days of being injured or of learning Compensation Judge is going to have to decide ithat you have a work-related disease, you are compensation benefits can continue. This is a not entitled to Workers Compensation benefits lengthy process that could involve as many as threethe case ends here.An exception exists for or four hearings.Once again, we recommend cases involving progressive diseases, such as consulting an attorneybefore the payments are occupational disease, carpal tunnel syndrome, and work-related hearing loss. stopped. •You have three years from the day you were injured to file a Claim Petition for an injury. But beware: The longer you wait, the more difficult it may be to prove your claim. Q Can my employer fire me for filing aWorkers Compensation claim? No, however, your employer may fire you for A other reasons. For example, you could be fired due to an extended absence from work even if it is because of your injury. There are no guarantees that your employer will hold your job while you are off of work. 20 21 If you are a member of a union, the union mays. So, there can be a long delay before you protect your job security. Be aware that your receive the first benefit check, usually from employer may stop other benefits as well, such days. as your health insurance. Q How do I pay my bills while I wait for benefits Q What forms should I sign? to begin? Check with your employer to see if they have a You should sign the following forms: A An Authorization for Medical Records. This formlity or sickness and accident policy.While releases your medical records so that the insuranceor a decision on your benefits,you may company can review them to process your claim.to use any vacation or sick time you have available.This way,you will have money coming in. An Employee Verification Form. Effective However,if you do receive Workers Compensa- new law in 1996, you must complete this form whether or not you have earnings from alterna-benefits, the money you receive from tive employment.You must return this formsickness and accident benefits, unemployment within 30 days of receipt or jeopardize yourpensation, Social Security retirement, pensions, or other severance benefits may be off- continuing right to receive benefits. set from your Workensation benefits. What forms should I not sign? Q Q Can I sue my employer or co-worker for Be careful if you are asked to sign the followingmy injury or illness? A forms: No, you can only file for Workers Compensation A to pay for lost wages and medical expenses.You • you are fully recovered from your injury.e not compensated for pain and suffering as a • A Supplemental Agreement. Usually this formlt of your work injury. states that you can go back to work andThere are two exceptions when you may be able claim is still open. However, this formto file a lawsuit: Do not sign this form unless you are fullyted. recovered from your injury. 1. If your injury or illness was caused by a defective product, you may have a products Q How soon do my benefits begin? the product.se against the manufacturer of Before the insurance company will pay any2. If a co-worker assaults you based on a A benefits, more than likely they will conduct anonal, rather than work-related matter, investigation. This means that they will need toay be able to file a civil or criminal get a statement from you, the injured worker,tion against the individual. and your employer. They may also collect Under either of these circumstances, we recom- statements from your co-workers to verifymend that you contact an attorney. 22 23 What should I do if I feel I have been injured Even if you can’t see a defect in a product, don’t Q due to a defective product? assume you were at fault for the injury.You should consult an attorney to investigate the Under Pennsylvania’s Workers Compensation A Law, a worker is not allowed to sue the employer cause of the accident and to bring in any necessary engineers or other experts needed to when injured on the job. However, when a examine the product and make a determination worker is injured by a dangerous product, there of negligence. Defective products claims may be a products liability action against the seller or manufacturer of the product. generally cannot be handled directly with an insurance company. A claim can be filed against a manufacturer if: Q How long can I collectWorkers Compensation • The worker actually bought or used the product benefits? properly and was injured. • The worker was an innocent bystander and Once you receive Workers Compensation benefits, was injured. A you can continue to collect benefits until: A products liability claim can be brought against • A doctor says you are fully recovered and can the manufacturer of the product as well as the return to work • A Workers Compensation Judge has deter- supplier, distributor or retailer of the product. mined that you are fully recovered and the Manufacturers and sellers of dangerous goods appeals have been exhausted can be sued for negligence under various circumstances, including: • A doctor releases you to light duty work • Failure to inspect or test the product before • The death of the injured worker placing it on the market However, keep in mind that insurance companies • Creating a flaw in the product rarely allow an injured worker to continue to • Failing to discover a flaw in a product collect benefits indefinitely. Instead, they will send you to a doctor that they have selected for • Failure to discover that the product could be an Independent Medical Exam or IME. If that dangerous doctor says you are capable of returning to work, • Failure to warn or adequately warn of a risk then the insurance company will try to file a or hazard associated with the product petition to stop or reduce your Workers • Failure to manufacture and/or install the product Compensation benefits.At that point, if you feel correctly that you are too injured to return to work, you The seller and manufacturer can also be sued for are probably going to need legal help to continue strict products liability. Here, proof of negligence to receive your benefits. isn’t necessary. So long as it can be shown that Also, after you have been receiving Workers the product was defective and unreasonably Compensation benefits for two years, the dangerous, you may be able to recover insurance companies may have you examined by damages for your injuries. 24 25 a doctor for an impairment rating evalufull benefits reinstated.You also have the right to an IRE. Depending on the percentage of be paid for reasonable and necessary medical ment determined by the doctor, your eliexpenses as long as you have problems with your to receive benefits may be reduced to 5injury even after you return to work.You should or 92years, but it will not effect the consult an attorney if the insurance company your compensation payments. does not automatically reinstate your benefits. Q Can I go to my doctor for a medical QvaWhat happens if the doctor hired by my Medical evaluations are performed by yourployer saysthat I am no longer injured? A employer’s doctor or by your individualAfter a medical evaluation, the doctor hired by In Pennsylvania, an injured worker mustyour employer’s insurance company may say with the employer’s doctor for the firsthat you are no longer injured and are therefore the worker’s disability if the employercapable of returning to work.You may agree of panel physicians posted at the work with the physician and return to work; or, you list is not posted your work site, you may not agree with the physician because you personal physician. feel too injured to return to work. If you disagree What happens if I go to my own doctor duringthe doctor and don’t return to work, Q the first 90 days of my injury? chances are the employer will file a Petition to Terminate, Modify, or Suspend your Workers If a list of panel physicians is posted, and youion Benefits. A choose to treat with your personal physician, then your employer does not have to pay anypicks the doctor for my Independent medical bills until after the first 90 days of Exam or IME? your disability. The doctors you see for IMEs may be preferential A to the insurance company since they are being paid Q What happens to my benefits if my doctobetween $500 and $1,000 per IME by the Workers releases me to“light duty”work? Compensation insurance company.Because this A If your doctor releases you to return to“lightis being paid by your employer’s insurance duty”work, and your employer does not have any,it is not unusual that the doctor would “light duty”job available for you, you have the that you are no longer injured.An attorney right to continue to receive your benefits. If thent your interests to make sure that a employer does have a“light duty”job available of your choice is also consulted. for you, the job requirements would have to be within the restrictions imposed by your doctor.mployer’s insurance company hire If you are laid off, fired without cause, or your follow me? doctor takes you off of work again while you arerance companies often use insurance on“light duty,”you have the right to haadjusters as investigators. They may contact your neighbors or other individuals to find out about 26 27 you.At times, they will even conduct surveil- lance to record your activities after your work- Y OU M AY N EED related accident. If you suspect this isAhLpAWYERg to you, conduct your life in a normal fashion.We recommend consulting an attorney if you see orommend that you seek legal advice if: hear anything that leads you to believe that youployer refuses to file an accident report on your behalf are being investigated. Do I need a lawyer? •Workers Compensation benefitsyour claim for Q In many situations, it may be helpful to discusseive a letter stating that the insurance A your legal rights and responsibilities with aany is trying to stop paying your claim, or lawyer who concentrates in handling Workersu receive notice that a petition has been filed Compensation cases. Please see the section thatrminate, modify, or suspend”your benefits follows entitled“When You May Need a Lawyer” return to work and you get hurt again,or you to alert you to those times when it may be inavate a pre-existing injury,and the insurance company refuses to reinstate your benefits your best interest to contact a lawyer. •Your work injury, or the surgery needed for Q Can I afford a lawyer? your work injury, results in a scar on your head, face, or neck At our law firm, you pay no money up-front. A Lawyers do not get paid unless —and until—he Workers Compensation insurance company your claim is resolved. Compromise and Release, to settle your claim For additional answers to •The Workers Compensation insurance company Frequently Asked Questions, offers you a lump sum of money to settle your visit our Web site at future medical claims www.edgarsnyder.com. •You have received Workers Compensation for more than four months. If this is the case, you may want to explore a lump sum settlement, or Compromise and Release. 28 29 A BOUT O UR F IRM With over 25 years of experience, Edgar Snyder & Associates has represented more than 30,000 injured people. We have a team of over 100 staff at five locations to serve you. We offer free, no obligation legal consultations for all types of accidents and injuries, including: Automobile Accidents Motorcycle Accidents Truck Accidents Slip and Falls Dog Bites Work-Related Accidents Head and Spinal Cord Injuries Injuries Caused by Defective Products We also handle claims involving: Social Security Disability Benefits And as we say in our ads: “There’s never a fee unless we get money for you!” Please note: This brochure contains general information only. It is not intended to be a substitute for legal advice. Each case involves different facts and legal interpretations. This brochure highlights rights and responsibilities under Pennsylvania’s Workers Compensation laws as of the time of this printing. © 2009, Edgar Snyder & Associates, Pittsburgh, PA. All rights reserved. 30 edgarsnyder.com Offices: Altoona • Ebensburg • Erie Johnstown • Pittsburgh 1-800-9-4EDGAR Phones answer 24 hours a day TF/0408/2500
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