<?xml version="1.0" encoding="UTF-8"?>
<rss version="2.0"
     xmlns:content="http://purl.org/rss/1.0/modules/content/"
     xmlns:wfw="http://wellformedweb.org/CommentAPI/"
     xmlns:dc="http://purl.org/dc/elements/1.1/"
     xmlns:atom="http://www.w3.org/2005/Atom"
     xmlns:sy="http://purl.org/rss/1.0/modules/syndication/"
     xmlns:slash="http://purl.org/rss/1.0/modules/slash/"
     xmlns:georss="http://www.georss.org/georss"
     xmlns:geo="http://www.w3.org/2003/01/geo/wgs84_pos#"
     xmlns:media="http://search.yahoo.com/mrss/">
    <channel>
        <title><![CDATA[Chisholm Law LLC]]></title>
        <atom:link href="https://www.chisholmllc.com/blog/feed/" rel="self" type="application/rss+xml" />
        <link>https://www.chisholmllc.com/blog/</link>
        <description><![CDATA[Chisholm Law LLC's Website]]></description>
        <lastBuildDate>Fri, 17 Apr 2026 23:41:51 GMT</lastBuildDate>
        
        <language>en-us</language>
        
            <item>
                <title><![CDATA[What is an IME?]]></title>
                <link>https://www.chisholmllc.com/blog/what-is-an-ime/</link>
                <guid isPermaLink="true">https://www.chisholmllc.com/blog/what-is-an-ime/</guid>
                <dc:creator><![CDATA[Chisholm Law LLC]]></dc:creator>
                <pubDate>Fri, 17 Apr 2026 15:37:38 GMT</pubDate>
                
                    <category><![CDATA[Workers Comp]]></category>
                
                
                
                
                <description><![CDATA[<p>An Independent Medical Examination (IME) is a medical exam that the insurance company schedules in a Massachusetts workers’ compensation case. The insurer selects and pays the doctor to evaluate your injury, your diagnosis, and your ability to work. Despite the name, the exam does not operate as a truly independent evaluation. Insurance companies use IMEs&hellip;</p>
]]></description>
                <content:encoded><![CDATA[
<p>An Independent Medical Examination (IME) is a medical exam that the insurance company schedules in a Massachusetts workers’ compensation case. The insurer selects and pays the doctor to evaluate your injury, your diagnosis, and your ability to work. Despite the name, the exam does not operate as a truly independent evaluation.</p>



<p>Insurance companies use IMEs to support decisions about your claim. The insurer may request an IME to determine whether your injury relates to your job, whether you remain disabled, whether you need ongoing treatment, or whether you can return to work. In many cases, the insurer relies on the IME report to justify denying, reducing, or terminating your benefits.</p>



<p>You must attend the IME if the insurance company schedules it. If you fail to appear, you risk a suspension of your benefits. The IME involves a one-time evaluation, not ongoing treatment, and the doctor does not serve as your treating physician.</p>



<p>The IME doctor’s opinion can carry significant weight in your case, especially if it conflicts with your treating doctor’s opinion. However, your treating physician usually has a stronger foundation because they have followed your condition over time. Consistent treatment and well-documented medical records can help you challenge an unfavorable IME report.</p>



<p>In some cases, the Massachusetts Department of Industrial Accidents (DIA) assigns an impartial medical examiner under Section 11A. That examiner provides an opinion that often carries substantial weight in the litigation process.</p>



<p>If you have an IME scheduled, take the exam seriously. Answer questions honestly and consistently. Do not exaggerate your symptoms. The doctor will evaluate both your responses and your overall presentation during the exam.</p>



<p>If you have questions about an IME or how it may impact your workers’ compensation benefits, you can contact our office here:<br>👉 <a href="https://www.chisholmllc.com/contact/">https://www.chisholmllc.com/contact/</a></p>



<p>For a broader overview of your rights under Massachusetts workers’ compensation law, visit:<br>👉 <a href="https://www.chisholmllc.com/practice-areas/workers-compensation/?utm_source=chatgpt.com">https://www.chisholmllc.com/practice-areas/workers-compensation/</a></p>
]]></content:encoded>
            </item>
        
            <item>
                <title><![CDATA[How much will I receive in weekly workers’ compensation benefits in Massachusetts?]]></title>
                <link>https://www.chisholmllc.com/blog/how-much-will-i-receive-in-weekly-workers-compensation-benefits-in-massachusetts/</link>
                <guid isPermaLink="true">https://www.chisholmllc.com/blog/how-much-will-i-receive-in-weekly-workers-compensation-benefits-in-massachusetts/</guid>
                <dc:creator><![CDATA[Chisholm Law LLC]]></dc:creator>
                <pubDate>Fri, 17 Apr 2026 15:14:20 GMT</pubDate>
                
                    <category><![CDATA[Workers Comp]]></category>
                
                
                
                
                <description><![CDATA[<p>How much will I receive in weekly workers’ compensation benefits in Massachusetts? Weekly workers’ compensation benefits in Massachusetts are based on your average weekly wage (AWW)—which is calculated using your gross earnings during the 52 weeks prior to your work injury. This includes overtime, bonuses, and, in some cases, wages from concurrent employment. The amount&hellip;</p>
]]></description>
                <content:encoded><![CDATA[
<h3 class="wp-block-heading" id="h-how-much-will-i-receive-in-weekly-workers-compensation-benefits-in-massachusetts"><strong>How much will I receive in weekly workers’ compensation benefits in Massachusetts?</strong></h3>



<p>Weekly workers’ compensation benefits in Massachusetts are based on your <strong>average weekly wage (AWW)</strong>—which is calculated using your gross earnings during the 52 weeks prior to your work injury. This includes overtime, bonuses, and, in some cases, wages from concurrent employment.</p>



<p>The amount you receive depends on the type of disability benefits you qualify for under Massachusetts law:</p>



<ul class="wp-block-list">
<li><strong>Temporary Total Disability (Section 34):</strong> Pays <strong>60% of your AWW</strong> for up to 156 weeks if you are unable to work at all.</li>



<li><strong>Temporary Partial Disability (Section 35):</strong> Pays <strong>up to 75% of your Section 34 rate</strong> (a maximum of 45% of your AWW) for up to 260 weeks if you are able to work in a limited capacity.</li>



<li><strong>Permanent and Total Disability (Section 34A):</strong> Pays <strong>66.67% of your AWW</strong>, potentially for life, along with cost-of-living adjustments (COLA) in qualifying cases.</li>
</ul>



<p>For a more detailed overview of these benefit types, visit our<br>👉 <a href="https://www.chisholmllc.com/practice-areas/workers-compensation/?utm_source=chatgpt.com">https://www.chisholmllc.com/practice-areas/workers-compensation/</a></p>



<h3 class="wp-block-heading" id="h-important-factors-that-affect-your-weekly-benefit"><strong>Important factors that affect your weekly benefit</strong></h3>



<p>Even though the formulas seem straightforward, several key factors can significantly impact the amount you actually receive:</p>



<ul class="wp-block-list">
<li><strong>Maximum Weekly Compensation Rate:</strong> Massachusetts sets a cap on weekly benefits based on the statewide average weekly wage. If you are a higher earner, your benefits may be limited by this maximum.</li>



<li><strong>Accurate AWW Calculation:</strong> The insurance company is responsible for calculating your AWW—but errors are common. If overtime, bonuses, or a second job are not properly included, your weekly checks will be lower than they should be.</li>



<li><strong>Changes in Benefit Status:</strong> Insurance companies can modify or terminate benefits (for example, moving you from Section 34 to Section 35) if they believe your medical condition has improved.</li>
</ul>



<p>If your benefits have been <strong>denied, reduced, or discontinued</strong>, you can learn more about your legal options here:<br>👉 <a href="https://www.chisholmllc.com/blog/what-to-do-if-your-workers-comp-claim-is-denied/">https://www.chisholmllc.com/blog/what-to-do-if-your-workers-comp-claim-is-denied/</a></p>



<h3 class="wp-block-heading" id="h-why-your-weekly-benefit-calculation-matters"><strong>Why your weekly benefit calculation matters</strong></h3>



<p>Your weekly compensation rate is one of the most important aspects of your case. Even a small error in your AWW can result in <strong>thousands of dollars in lost benefits over time</strong>, especially in longer-term disability claims.</p>



<p>If you have questions about whether your workers’ compensation benefits are being calculated correctly—or if your checks don’t seem right—you can contact our office here:<br>👉 <a>https://www.chisholmllc.com/contact/</a></p>
]]></content:encoded>
            </item>
        
            <item>
                <title><![CDATA[Can I Get Workers’ Compensation Benefits for a Repetitive Stress Injury in Massachusetts?]]></title>
                <link>https://www.chisholmllc.com/blog/can-i-get-workers-compensation-benefits-for-a-repetitive-stress-injury-in-massachusetts/</link>
                <guid isPermaLink="true">https://www.chisholmllc.com/blog/can-i-get-workers-compensation-benefits-for-a-repetitive-stress-injury-in-massachusetts/</guid>
                <dc:creator><![CDATA[Chisholm Law LLC]]></dc:creator>
                <pubDate>Sun, 05 Apr 2026 23:41:00 GMT</pubDate>
                
                    <category><![CDATA[Workers Comp]]></category>
                
                
                
                
                <description><![CDATA[<p>Yes—you can receive workers’ compensation benefits for a repetitive stress injury in Massachusetts. Many injured workers assume they must suffer a single accident to qualify, but the law also covers injuries that develop over time due to repetitive motion or ongoing strain at work. If your job duties caused or significantly contributed to your condition,&hellip;</p>
]]></description>
                <content:encoded><![CDATA[
<p>Yes—you can receive workers’ compensation benefits for a repetitive stress injury in Massachusetts. Many injured workers assume they must suffer a single accident to qualify, but the law also covers injuries that develop over time due to repetitive motion or ongoing strain at work.</p>



<p>If your job duties caused or significantly contributed to your condition, you may qualify for benefits under Massachusetts workers’ compensation law.</p>



<hr class="wp-block-separator has-alpha-channel-opacity" />



<h2 class="wp-block-heading" id="h-what-is-a-repetitive-stress-injury">What Is a Repetitive Stress Injury?</h2>



<p>A repetitive stress injury develops gradually from performing the same motions over and over again. Unlike a single traumatic injury, these conditions build over time and often worsen if you continue working without treatment.</p>



<p>Common examples include:</p>



<ul class="wp-block-list">
<li>Carpal tunnel syndrome</li>



<li>Tendonitis</li>



<li>Rotator cuff injuries</li>



<li>Back and neck strain</li>



<li>Trigger finger</li>



<li>Epicondylitis (tennis or golfer’s elbow)</li>
</ul>



<p>These injuries frequently affect workers in jobs that require repetitive lifting, typing, scanning, assembly line work, or overhead activity.</p>



<hr class="wp-block-separator has-alpha-channel-opacity" />



<h2 class="wp-block-heading" id="h-do-repetitive-stress-injuries-qualify-for-workers-compensation">Do Repetitive Stress Injuries Qualify for Workers’ Compensation?</h2>



<p>Yes. In Massachusetts, workers’ compensation law covers repetitive stress injuries for injured workers with pre-existing conditions as long as your work activities remain <strong>“a major, but not necessarily predominant, cause”</strong> of the disabling condition.</p>



<p>That legal standard becomes critical. The insurance company often argues that:</p>



<ul class="wp-block-list">
<li>Your condition is degenerative</li>



<li>Your injury relates to aging or prior medical issues</li>



<li>Your work did not cause your symptoms</li>
</ul>



<p>You must present strong medical evidence linking your condition to your job duties to overcome these arguments.</p>



<hr class="wp-block-separator has-alpha-channel-opacity" />



<h2 class="wp-block-heading" id="h-what-benefits-can-i-receive">What Benefits Can I Receive?</h2>



<p>If your repetitive stress injury prevents you from working, you may qualify for the same benefits as any other work injury claim, including:</p>



<ul class="wp-block-list">
<li><strong>Temporary Total Disability (Section 34):</strong> 60% of your average weekly wage</li>



<li><strong>Temporary Partial Disability (Section 35):</strong> Partial wage replacement if you can work with restrictions</li>



<li><strong>Permanent and Total Disability (Section 34A):</strong> Ongoing benefits if you cannot return to any work</li>



<li><strong>Medical Benefits (Section 13 & 30):</strong> Coverage for treatment, therapy, and medications</li>
</ul>



<p>You can learn more about how long benefits last here:<br>👉 <a href="https://www.chisholmllc.com/blog/how-long-do-section-34-benefits-last/">https://www.chisholmllc.com/blog/how-long-do-section-34-benefits-last/</a></p>



<hr class="wp-block-separator has-alpha-channel-opacity" />



<h2 class="wp-block-heading" id="h-why-these-cases-are-often-denied">Why These Cases Are Often Denied</h2>



<p>Repetitive stress claims face more scrutiny than traumatic injuries. The insurance company frequently denies these claims because there is no single accident date.</p>



<p>They may rely on an Independent Medical Examination (IME) to argue that your condition is not work-related. They may also claim that your job duties did not rise to the level required to meet the legal standard.</p>



<p>For that reason, documentation becomes critical. You should:</p>



<ul class="wp-block-list">
<li>Report your symptoms as soon as possible</li>



<li>Seek consistent medical treatment</li>



<li>Make sure your doctor documents how your job duties caused your condition</li>
</ul>



<hr class="wp-block-separator has-alpha-channel-opacity" />



<h2 class="wp-block-heading" id="h-what-should-i-do-if-my-claim-is-denied">What Should I Do If My Claim Is Denied?</h2>



<p>If the insurance company denies your claim, you still have options. You can file a claim with the Department of Industrial Accidents and challenge the denial.</p>



<p>The process includes:</p>



<ul class="wp-block-list">
<li>Conciliation</li>



<li>Conference before an administrative judge</li>



<li>Potential hearing</li>
</ul>



<p>Strong medical evidence and a clear description of your job duties often determine the outcome.</p>



<hr class="wp-block-separator has-alpha-channel-opacity" />



<h2 class="wp-block-heading" id="h-speak-with-a-massachusetts-workers-compensation-lawyer">Speak With a Massachusetts Workers’ Compensation Lawyer</h2>



<p>Repetitive stress injury cases require a strategic approach from the start. The insurance company will look for any reason to deny your claim, especially when the injury developed over time.</p>



<p>At Chisholm Law LLC, we represent injured workers across Massachusetts and take immediate action to protect their rights. As an experienced <strong>Massachusetts workers’ compensation lawyer</strong>, we build strong medical evidence, challenge insurer denials, and fight to secure the benefits you deserve. Learn more about your rights here: <a href="https://www.chisholmllc.com/practice-areas/workers-compensation/">https://www.chisholmllc.com/practice-areas/workers-compensation/</a></p>



<p><br>📞 Call 978-703-0700 today for a free consultation.</p>
]]></content:encoded>
            </item>
        
            <item>
                <title><![CDATA[How Long Do Section 34 Benefits Last in Massachusetts?]]></title>
                <link>https://www.chisholmllc.com/blog/how-long-do-section-34-benefits-last-in-massachusetts/</link>
                <guid isPermaLink="true">https://www.chisholmllc.com/blog/how-long-do-section-34-benefits-last-in-massachusetts/</guid>
                <dc:creator><![CDATA[Chisholm Law LLC]]></dc:creator>
                <pubDate>Mon, 02 Mar 2026 00:14:00 GMT</pubDate>
                
                    <category><![CDATA[Workers Comp]]></category>
                
                
                
                
                <description><![CDATA[<p>If you receive workers’ compensation benefits in Massachusetts, you may wonder how long those payments will continue. Section 34 benefits, also known as temporary total disability benefits, provide weekly compensation when a work injury prevents you from working at all. Under Massachusetts law, specifically M.G.L. c. 152, §34, you can receive these benefits for up&hellip;</p>
]]></description>
                <content:encoded><![CDATA[
<p>If you receive workers’ compensation benefits in Massachusetts, you may wonder how long those payments will continue. Section 34 benefits, also known as temporary total disability benefits, provide weekly compensation when a work injury prevents you from working at all. Under Massachusetts law, specifically M.G.L. c. 152, §34, you can receive these benefits for up to 156 weeks, which equals three (3) years. During this period, the insurance company pays you 60% of your average weekly wage, subject to the state maximum rate. This 156-week period serves as a strict cap, and once you exhaust those benefits, the insurer no longer has any obligation to continue payments under Section 34, even if you remain unable to work.</p>



<p>As you approach the end of your Section 34 benefits, you need to evaluate your next step carefully. In many cases, your eligibility shifts to another category of benefits. If you can return to some type of work but still have limitations, you may qualify for Section 35 benefits, which provide partial disability compensation for up to 260 weeks based on your reduced earning capacity. If your injury prevents you from returning to any work at all, you may qualify for Section 34A benefits, which provide permanent and total disability compensation at 66.67% of your average weekly wage and can continue indefinitely. You must act before your Section 34 benefits run out to avoid a gap in your weekly checks.</p>



<p>The insurance company may also attempt to stop your Section 34 benefits before you reach the 156-week limit. They often argue that you can return to work, that your medical condition has improved, or that your disability no longer relates to your work injury. However, they must follow the legal process to do so. After the pay without prejudice period ends, the insurer cannot simply stop your checks. Instead, they must either reach an agreement with you or obtain a judge’s order from the Department of Industrial Accidents. You have the right to challenge any attempt to discontinue your benefits and present medical evidence that supports your ongoing disability.</p>



<p>Timing plays a critical role in protecting your benefits. As your Section 34 benefits near exhaustion, you should obtain updated medical opinions that clearly address your ability to work. Strong medical evidence often determines whether you can transition successfully to Section 34A or continue receiving benefits under Section 35. Without that support, the insurance company will push to reduce or terminate your payments.</p>



<p>If you currently receive Section 34 benefits or if the insurance company has reduced or terminated your checks, you should act quickly. These cases often turn on medical evidence, timing, and a clear legal strategy. At Chisholm Law, we represent injured workers throughout Massachusetts and take proactive steps to protect their rights and maximize their benefits. You can learn more about your rights by visiting <a href="https://www.chisholmllc.com/practice-areas/workers-compensation/">https://www.chisholmllc.com/practice-areas/workers-compensation/</a> or call 978-703-0700 for a free consultation. Do not wait until your benefits stop—plan ahead and protect your financial future.</p>
]]></content:encoded>
            </item>
        
            <item>
                <title><![CDATA[Can the Insurance Company Stop My Workers’ Compensation Checks in Massachusetts?]]></title>
                <link>https://www.chisholmllc.com/blog/can-the-insurance-company-stop-my-workers-compensation-checks-in-massachusetts/</link>
                <guid isPermaLink="true">https://www.chisholmllc.com/blog/can-the-insurance-company-stop-my-workers-compensation-checks-in-massachusetts/</guid>
                <dc:creator><![CDATA[Chisholm Law LLC]]></dc:creator>
                <pubDate>Mon, 02 Feb 2026 00:07:00 GMT</pubDate>
                
                    <category><![CDATA[Workers Comp]]></category>
                
                
                
                
                <description><![CDATA[<p>If you receive workers’ compensation benefits in Massachusetts, you might worry about whether the insurance company can stop your checks. The short answer is yes, but only under specific circumstances, and the law gives you important protections. In Massachusetts, insurance companies cannot simply cut off your weekly benefits without following the rules set forth under&hellip;</p>
]]></description>
                <content:encoded><![CDATA[
<h2 class="wp-block-heading" id="h-"></h2>



<p>If you receive workers’ compensation benefits in Massachusetts, you might worry about whether the insurance company can stop your checks. The short answer is yes, but only under specific circumstances, and the law gives you important protections.</p>



<p>In Massachusetts, insurance companies cannot simply cut off your weekly benefits without following the rules set forth under the Massachusetts Workers’ Compensation Act, M.G.L. c. 152. Whether they can stop your checks depends largely on how long they have been paying benefits and the reason they want to discontinue them.</p>



<p>During the initial “pay without prejudice” period, which lasts up to 180 days, the insurance company has more flexibility. They can stop or modify your benefits for any reason, as long as they provide you with at least seven days’ written notice. This often comes in the form of a Form 106 (Notice of Termination or Modification of Weekly Compensation). While this may feel abrupt, it is legally permitted within that early window.</p>



<p>After the pay without prejudice period ends, the rules change significantly. The insurance company can no longer stop your checks unilaterally. Instead, they must either reach an agreement with you or file a complaint with the Department of Industrial Accidents (DIA) and obtain a judge’s approval to discontinue or reduce your benefits. Until a judge issues an order allowing them to stop or modify payments, they must continue paying you.</p>



<p>Insurance companies often attempt to stop benefits based on certain common arguments. They may claim that you are capable of returning to work, that your medical condition has improved, or that your disability no longer relates to your work injury. In many cases, these arguments rely on an Independent Medical Examination (IME) performed by a doctor hired by the insurer. However, that opinion does not automatically end your benefits—you have the right to challenge it.</p>



<p>If the insurance company stops your checks, you should act quickly. You can file a claim for reinstatement of benefits with the DIA. Once you file, your case will move through the litigation process, starting with a conciliation, followed by a conference before an administrative judge. At the conference stage, a judge can order the insurer to resume weekly benefits if the evidence supports your claim.</p>



<p>You should also understand that medical evidence plays a critical role in keeping your benefits in place. A clear and current note from your treating physician stating that you remain disabled due to your work injury can make a significant difference. Without that support, the insurer will often argue that you no longer qualify for ongoing benefits.</p>



<p>The bottom line is that while the insurance company can attempt to stop your workers’ compensation checks, they must follow strict legal procedures. More importantly, you have the right to challenge any improper termination and seek to have your benefits reinstated.</p>



<p>If your checks have been stopped or you received notice that they will be, it is important to speak with an experienced Massachusetts workers’ compensation attorney as soon as possible. Taking prompt action can help protect your right to ongoing benefits and ensure that the insurance company follows the law.</p>



<p>At Chisholm Law, we represent injured workers throughout Massachusetts and take immediate action to protect your benefits. We can file a claim, gather the necessary medical evidence, and fight to get your checks reinstated as soon as possible.</p>



<p></p>



<p>Don’t wait. The sooner you act, the stronger your case will be.</p>
]]></content:encoded>
            </item>
        
            <item>
                <title><![CDATA[Can I choose my own doctor?]]></title>
                <link>https://www.chisholmllc.com/blog/can-i-choose-my-own-doctor/</link>
                <guid isPermaLink="true">https://www.chisholmllc.com/blog/can-i-choose-my-own-doctor/</guid>
                <dc:creator><![CDATA[Chisholm Law LLC]]></dc:creator>
                <pubDate>Fri, 02 Jan 2026 16:25:00 GMT</pubDate>
                
                    <category><![CDATA[Workers Comp]]></category>
                
                
                
                
                <description><![CDATA[<p>Can I Choose My Own Doctor for a Workers’ Compensation Injury in Massachusetts? Yes, you can but there are a few important rules to understand. In Massachusetts, your employer or its workers’ compensation insurer has the right to select the initial treating provider for your first visit following a work injury. After that initial appointment,&hellip;</p>
]]></description>
                <content:encoded><![CDATA[
<h1 class="wp-block-heading" id="h-can-i-choose-my-own-doctor-for-a-workers-compensation-injury-in-massachusetts"><strong>Can I Choose My Own Doctor for a Workers’ Compensation Injury in Massachusetts?</strong></h1>



<p>Yes, you can but there are a few important rules to understand. In Massachusetts, your employer or its workers’ compensation insurer has the right to select the <strong>initial treating provider</strong> for your first visit following a work injury. After that initial appointment, however, you are generally free to <strong>choose your own doctor</strong> and treat with providers you trust.</p>



<p>Workers’ compensation will cover medical treatment as long as it is <strong>reasonable, necessary, and related to your work injury</strong>. This includes doctor visits, physical therapy, diagnostic testing, and, when appropriate, surgery. That said, while you do not need permission to change doctors, the insurance company still has the ability to review and challenge your treatment, particularly if they question whether it is related to your injury.</p>



<p>It is also important to understand that the insurer can require you to attend an <strong>Independent Medical Examination (IME)</strong> with a doctor of their choosing. The purpose of this exam is to evaluate your condition and work capacity, and the resulting report is often used to determine whether your benefits should continue.</p>



<p>If the insurance company refuses to approve or pay for treatment, you have the right to file a claim through the Massachusetts Department of Industrial Accidents. You can learn more about that process here:<br>👉 <a href="https://www.chisholmllc.com/blog/what-to-do-if-your-workers-comp-claim-is-denied/">https://www.chisholmllc.com/blog/what-to-do-if-your-workers-comp-claim-is-denied/</a></p>



<p>Ultimately, your treating physician plays a critical role in your case. Their opinions can directly impact whether your benefits are approved, continued, or terminated. If you are having issues with medical treatment or your workers’ compensation claim, you can contact our office here:<br>👉 <a href="https://www.chisholmllc.com/contact/">https://www.chisholmllc.com/contact/</a></p>
]]></content:encoded>
            </item>
        
            <item>
                <title><![CDATA[What Happens If My Workers’ Compensation Claim Is Denied in Massachusetts?]]></title>
                <link>https://www.chisholmllc.com/blog/what-happens-if-my-workers-compensation-claim-is-denied-in-massachusetts/</link>
                <guid isPermaLink="true">https://www.chisholmllc.com/blog/what-happens-if-my-workers-compensation-claim-is-denied-in-massachusetts/</guid>
                <dc:creator><![CDATA[Chisholm Law LLC]]></dc:creator>
                <pubDate>Sun, 01 Jun 2025 15:31:00 GMT</pubDate>
                
                    <category><![CDATA[Workers Comp]]></category>
                
                
                
                
                <description><![CDATA[<p>If your workers’ compensation claim is denied in Massachusetts, your case is not over. Insurance companies deny claims all the time, and Massachusetts law provides a clear process to challenge that decision and pursue the benefits you deserve. In many situations, a denial simply reflects the insurer taking a position. Its NOT the final outcome&hellip;</p>
]]></description>
                <content:encoded><![CDATA[
<p>If your workers’ compensation claim is denied in Massachusetts, your case is not over. Insurance companies deny claims all the time, and Massachusetts law provides a clear process to challenge that decision and pursue the benefits you deserve. In many situations, a denial simply reflects the insurer taking a position. Its <strong><span style="text-decoration: underline">NOT</span> </strong>the final outcome of your case.</p>



<p>Insurance companies deny claims for several reasons. They may dispute whether your injury arose out of and in the course of your employment, argue that a pre-existing condition caused your symptoms, or claim that your medical records do not support disability. They may also point to delayed reporting or rely on conflicting medical opinions. Even when an injury clearly occurs at work, the insurer may still deny the claim if it questions whether your disability relates to that injury or whether you remain unable to work. Strong medical documentation and a clear presentation of your case matter.</p>



<p>If the insurer denies your claim, you can file a claim with the Massachusetts Department of Industrial Accidents (DIA). That filing starts the formal dispute process. The case typically moves through conciliation, then to a conference before an administrative judge, and, if necessary, to a full evidentiary hearing. At each stage, you can present medical evidence and challenge the insurer’s position.</p>



<p>Medical evidence drives the outcome in most cases. Your claim should include treatment records, disability notes, diagnostic testing, and medical opinions that address both causation and your ability to work. In many cases, your treating physician’s opinion carries significant weight.</p>



<p>The timeline varies depending on the case, but most denied claims take several months to move through the DIA process. More complex cases can take longer, although many resolve before reaching a full hearing.</p>



<p>Do not ignore a denial. A denial does not mean your case lacks merit—it often means the insurance company wants to litigate the claim. If you take prompt action, you protect your right to benefits and put yourself in a position to move the case forward.</p>



<p>If your workers’ compensation claim has been denied and you have questions about your options, you can contact our office here:<br>👉 <a href="https://www.chisholmllc.com/contact/">https://www.chisholmllc.com/contact/</a></p>



<p>For a broader overview of your rights under Massachusetts workers’ compensation law, visit:<br>👉 <a href="https://www.chisholmllc.com/practice-areas/workers-compensation/?utm_source=chatgpt.com">https://www.chisholmllc.com/practice-areas/workers-compensation/</a></p>
]]></content:encoded>
            </item>
        
            <item>
                <title><![CDATA[What to do if Your Workers’ Comp Claim is Denied?]]></title>
                <link>https://www.chisholmllc.com/blog/what-to-do-if-your-workers-comp-claim-is-denied/</link>
                <guid isPermaLink="true">https://www.chisholmllc.com/blog/what-to-do-if-your-workers-comp-claim-is-denied/</guid>
                <dc:creator><![CDATA[Chisholm Law LLC]]></dc:creator>
                <pubDate>Mon, 14 Oct 2024 16:11:13 GMT</pubDate>
                
                    <category><![CDATA[Workers Comp]]></category>
                
                
                
                
                <description><![CDATA[<p>If you were injured at work, you might not be able to return to your job for an extended period. During this time, the combination of medical expenses and lost wages could be financially disastrous. Fortunately, workers’ compensation insurance exists to protect injured workers from extreme financial loss due to a work injury or illness.&hellip;</p>
]]></description>
                <content:encoded><![CDATA[
<p>If you were injured at work, you might not be able to return to your job for an extended period. During this time, the combination of medical expenses and lost wages could be financially disastrous. Fortunately, workers’ compensation insurance exists to protect injured workers from extreme financial loss due to a work injury or illness. If, however, your claim for workers’ comp is denied, the stress can be overwhelming. Don’t panic! Initial denials are surprisingly common. Even minor reporting errors can lead to reduced, delayed, or denied workers’ comp benefits. But what should you do if your claim was denied by the insurer? </p>



<p>If you have received a denial letter (Form 104 – Notification of Denial) it is best to consult with your workers’ comp lawyer ASAP! However, in some cases, a quick meeting with your employer can resolve the dispute. It is not uncommon for a simple clerical error or misunderstanding to result in a denied claim. If a formal appeal is necessary, however, you should consult with your lawyer before moving forward. Your attorney can help you navigate the complex legal process of an appeal, which would be filing a formal claim before the <a href="https://www.mass.gov/orgs/department-of-industrial-accidents">Department of Industrial Accidents</a>. </p>



<p>So, why were you denied? The notification – which is from your employer’s workers comp insurer, will spell it out. Please remember that this denial is NOT from the Department of Industrial Accidents (court), so it’s not a final decision. It’s simply a preliminary decision. There may be several reasons, but these four are among the most common reasons why a claim has been denied:</p>



<p>1. Late Reporting:</p>



<p>When you are injured at work, you should notify your employer immediately. An injury or incident report is completed and typically, your employer files your workers’ compensation claim. Massachusetts law requires that a Form 101, the Employer’s First Report of Injury, be filed within seven days following the fifth day of your inability to work because of an injury. If the employer fails to do so, or if your claim has been denied, you must complete and file a Form 110, Employee’s Claim. The statute of limitations for filing a workers’ compensation claim in Massachusetts is “within four years from the date the employee first became aware of the causal relationship between his disability and (his) employment.”</p>



<p>2. Disputes About Whether Your Injury Was Actually Work-Related:</p>



<p>If you are an employee who was injured at work, or while performing a task or completing a duty that was for your employer’s benefit, chances are you have a viable claim. That is also true if you have a medical condition that is a direct result of your employment (for instance, a repetitive stress trauma such as carpal tunnel syndrome). In short, a condition or injury “arising out of employment and occurring during the course of employment” should be covered. Injuries that occurred during commuting to and from work are not covered, but if you were traveling for business reasons and were injured, they generally are. While some medical conditions may be clearly the result of the work environment or job, such as black-lung disease among coal workers, lung cancer may not be easily attributable to your employment.</p>



<p>3. Disputing Employment Status: </p>



<p>If you are an independent contractor, you are not eligible for workers’ compensation coverage by the business or company for whom you are providing services. An independent contractor is defined as doing work that is outside of the employer’s direction and control; is performed outside the employer’s usual course of business; and is done by someone who has their own, independent business or trade doing that kind of work. Other workers who are not typically covered include seaman engaged in interstate or foreign commerce, salespeople who work on commission or buy/sell basis other than in a retail establishment, with a written contract stating they are not treated as an employee under federal tax law; and Persons engaged in interstate/foreign commerce who are covered by federal law for compensation for injury or death.</p>



<p>4. Injury Reported After Leaving a Job</p>



<p>Even legitimate claims are viewed with suspicion by insurers and employers when they are filed after an employee quits, is laid-off or fired from a job. It’s always important to have a written statement about any injury for which you file a claim, including medical reports and corroborating statements from coworkers who witnessed the accident.</p>



<p></p>



<figure class="wp-block-image size-large"><img loading="lazy" decoding="async" width="1024" height="367" src="/static/2024/10/Denial-Pic-1-1024x367.png" alt="" class="wp-image-241" srcset="/static/2024/10/Denial-Pic-1-1024x367.png 1024w, /static/2024/10/Denial-Pic-1-300x107.png 300w, /static/2024/10/Denial-Pic-1-768x275.png 768w, /static/2024/10/Denial-Pic-1.png 1536w" sizes="auto, (max-width: 1024px) 100vw, 1024px" /></figure>



<p></p>



<p class="has-text-align-center has-medium-font-size"><strong>How Can Chisholm Law Help?</strong></p>



<p>If your claim for workers’ comp benefits has been denied, the legal team at Chisholm Law, LLC can help you determine your rights and options and obtain your workers’ compensation benefits in a timely manner. We will thoroughly review your case materials to determine what steps need to be taken to ensure a successful outcome. Your Peabody, MA workers’ comp attorney will gather necessary evidence, file required paperwork within the allotted time frames, and deal with the insurance company and other relevant parties on your behalf. If you have been injured on the job, the only thing you should be focused on is healing. Let Chisholm Law handle everything else!</p>



<p>1. <strong>Filing a Workers Comp Claim in Massachusetts (Form 110)</strong></p>



<p>If you are out of work because of an on-the-job injury, you expect that your lost wages and medical bills will be covered by workers’ compensation. Every day you go without your benefits is a financial hardship – and if your claim has been denied, it just compounds the economic and emotional stress.</p>



<p>There are steps you can and should take as soon as you receive an <a href="https://www.mass.gov/how-to/appeal-your-denied-workers-compensation-claim">Insurer’s Notification of Denial-Form 104</a>, or if you have not heard from the insurer within 30 days of the accident:</p>



<ol class="wp-block-list">
<li style="font-size:15px">Make sure you have all information on hand, including:
<ul class="wp-block-list">
<li>a. The date you were injured;</li>



<li>b. Your first calendar date of missed work;</li>



<li>c. The fifth calendar date of missed work;</li>



<li>d. The name of your employer’s workers’ compensation insurance;</li>



<li>e. The type of injury and on what part of your body you were injured (for instance, a compound fracture of the right tibia);</li>



<li>f. What benefit you are seeking;</li>



<li>g. If you know it: how long you’re expected to be out of work;</li>



<li>h. Where you initially went for treatment;</li>



<li>i. The contact information of the physician who is currently treating your work-related injury.</li>
</ul>
</li>



<li style="font-size:15px">Obtain and complete a copy of Form 110-Employee Claim
<ul class="wp-block-list">
<li>Be as thorough and accurate as possible and attach copies of medical evidence such as physician’s notes, doctor or hospital bills that support the work injury;</li>



<li>make sure a copy of the claim is sent to the insurer via certified mail;</li>



<li>Make sure you keep copies of everything.</li>
</ul>
</li>
</ol>



<p>2. <a style="font-weight: bold" href="https://www.mass.gov/how-to/appeal-your-denied-workers-compensation-claim">What Happens After a Claim Has Been Filed</a><b>? </b></p>



<p>Now that you have completed the steps above, what happens next? The claim filing process can be complex and time consuming, but the help of an experienced Peabody, MA workers’ comp attorney can dramatically increase the likelihood of a speedy, successful award of <a href="https://www.chisholmllc.com/blog/types-of-workers-compensation-benefits-in-massachusetts/">benefits</a>. The steps below provide an outline of what you can expect during the claims process.</p>



<p><strong><span style="text-decoration: underline">Conciliation</span></strong>: If the paperwork and documentation is accepted, a <a href="https://www.mass.gov/info-details/preparing-for-a-conciliation#conciliation-general-information-">Conciliation </a>is scheduled. This is a meeting which involves your attorney, the insurer’s attorney, and a Conciliator from the Department of Industrial Accidents. The purpose of the meeting is to come to an agreement. The Conciliation is typically scheduled for 12-14 days after the processing of your claim. Although few cases are actually resolved during this initial step, the meeting is a required part of the appeal process. If a voluntary agreement cannot be reached, the Conciliator will determine whether or not to move your case to a judge. To ensure that this happens, it is essential to provide as much evidence as possible to substantiate your claim.</p>



<p><strong><span style="text-decoration: underline">Conference</span></strong>: If an agreement cannot be reached, the next step is a <a href="https://www.mass.gov/info-details/preparing-for-a-conference">Conference </a>before an Administrative Judge. This also involves you, your attorney and the insurer’s attorney and an administrative judge. An administrative judge will a brief oral argument from your attorney and the insurer’s attorney, review the submitted medical documentation from both sides, and then issue a temporary Conference Order – hopefully to have the insurer pay you benefits. All parties have 14 days to appeal the order. You will use Form 121 Appeal of Conference Order to appeal the administrative judge’s order on your case. There is a one-time fee to file this order. Once the Department of Industrial Accident (DIA) has received your appeal, you will receive a letter requesting your attendance at an impartial medical exam. If an impartial medical exam is ordered, once it is completed and the doctor’s report filed, a full evidentiary hearing will be scheduled before an administrative judge. If the parties agree that an impartial exam is <em>not </em>needed, your case will be placed in line for hearing date.</p>



<p><strong><span style="text-decoration: underline">Hearing</span></strong>: If a conference order is appealed, the case goes to a <a href="https://www.mass.gov/info-details/the-steps-in-the-dispute-resolution-process">Hearing</a>. This is basically a bench trial in which evidence is submitted and witnesses heard. The administrative judge makes a hearing decision based on the evidence and testimony. Either party may appeal the decision within 30 days.</p>



<p>At the hearing, each party is permitted to give both an opening statement and closing argument. Either party may also submit additional information and requests, including briefs and motions, and requests for rulings and findings of facts. The administrative judge may or may not grant these requests. As the judge’s decision is based on new evidence introduced at the hearing, it is essential to come prepared.</p>



<p><strong><span style="text-decoration: underline">Reviewing Board</span></strong>: If either party disagrees with the Hearing Decision, the next appeal goes to the Department of Industrial Accidents Review Board. The board may accept the administrative judge’s decision or send a decision back to the administrative judge for more fact-finding. The board only overturns a decision if they believe the decision was arbitrary or capricious, outside the scope of the judge’s authority or contrary to law.</p>



<p class="has-text-align-left has-medium-font-size"><strong><span style="text-decoration: underline">Contact a Knowledgeable Massachusetts Workers’ Compensation Lawyer Today</span></strong></p>



<p>At Chisholm Law LLC, we are dedicated to helping injured workers obtain compensation throughout the Peabody, Massachusetts area. For a consultation,<a href="https://www.chisholmllc.com/contact-us/"> contact us online</a>, or call (978) 703-0700 to speak with an experienced workers’ comp lawyer today.</p>



<ul class="wp-block-list">
<li><a href="https://www.mass.gov/how-to/appeal-a-workers-compensation-conference-order">https://www.mass.gov/how-to/appeal-a-workers-compensation-conference-order</a></li>



<li><a href="https://www.mass.gov/info-details/preparing-for-a-hearing">https://www.mass.gov/info-details/preparing-for-a-hearing</a></li>



<li><a href="https://www.mass.gov/how-to/appeal-a-workers-compensation-hearing-decision">https://www.mass.gov/how-to/appeal-a-workers-compensation-hearing-decision</a></li>
</ul>



<p></p>
]]></content:encoded>
            </item>
        
            <item>
                <title><![CDATA[Types of Workers’ Compensation Benefits in Massachusetts]]></title>
                <link>https://www.chisholmllc.com/blog/types-of-workers-compensation-benefits-in-massachusetts/</link>
                <guid isPermaLink="true">https://www.chisholmllc.com/blog/types-of-workers-compensation-benefits-in-massachusetts/</guid>
                <dc:creator><![CDATA[Chisholm Law LLC]]></dc:creator>
                <pubDate>Tue, 09 Apr 2024 17:55:49 GMT</pubDate>
                
                    <category><![CDATA[Workers Comp]]></category>
                
                
                
                
                <description><![CDATA[<p>A work-related injury can leave you stranded with medical expenses and household bills piling up. Fortunately, most workers in Massachusetts are covered by workers’ compensation insurance. The type, amount, and duration of benefits you receive is based on the extent and severity of your injury or illness. If you are injured at work, it is&hellip;</p>
]]></description>
                <content:encoded><![CDATA[
<p>A work-related injury can leave you stranded with medical expenses and household bills piling up. Fortunately, most workers in Massachusetts are covered by workers’ compensation insurance. The type, amount, and duration of benefits you receive is based on the extent and severity of your injury or illness.</p>



<p>If you are injured at work, it is essential that you file your claim correctly and in a timely manner. An experienced lawyer can assess your case and determine the appropriate amount of compensation you should receive based on your condition.</p>



<p>Below is a list of the different <a href="https://www.mass.gov/service-details/types-of-workers-compensation-benefits">types</a> of workers’ comp available to employees in Massachusetts:</p>



<ul class="wp-block-list">
<li><strong><a href="https://malegislature.gov/Laws/GeneralLaws/PartI/TitleXXI/Chapter152/Section34">Temporary Total Disability Benefits</a></strong> — This type of workers compensation benefit is for employees who need to take more than five days off work due to their injuries. If you qualify, you will receive 60% of your gross average weekly wage for up to 156 weeks (3 years). In order to qualify for this benefit, an injured worker must be temporarily disabled from their job and any other.</li>



<li><strong><a href="https://malegislature.gov/Laws/GeneralLaws/PartI/TitleXXI/Chapter152/Section35">Temporary Partial Disability Benefits</a> —</strong> If you can work but your earning capacity is reduced (such as reduced hours or limited duties), you may qualify for partial incapacity benefits for up to 260 weeks (up to 5 years). The maximum compensation under this section of the law is limited to 75% of your temporary total disability rate.</li>



<li><a href="https://malegislature.gov/Laws/GeneralLaws/PartI/TitleXXI/Chapter152/Section34A"><strong>Permanent and Total Disability Benefits</strong> </a>— The most serious injuries can result in permanent and total disability. If a jobsite accident causes you to become permanently and totally disabled from any and all employment, you will likely qualify for permanent and total disability benefits which is two thirds of your average weekly wage. Under this type of workers’ compensation, you will receive benefits as long as your disability continues.</li>
</ul>



<p><a href="https://www.chisholmllc.com/practice-areas/workers-compensation/">Workers’ compensation</a> is there to provide you with the benefits you need to rebuild your life. If you suffer any type of injury or illness at work, a skilled workers’ compensation attorney can improve your chances of receiving just compensation.</p>



<h2 class="wp-block-heading" id="h-loss-of-function-and-disfigurement-benefits">Loss of Function and Disfigurement benefits</h2>



<p>Should your work injury or illness result in <a href="https://malegislature.gov/Laws/GeneralLaws/PartI/TitleXXI/Chapter152/Section36">severe disfigurement or loss of function</a>, you may be entitled to receive additional benefits. This type of compensation is provided as a one-time payment and the amount is determined based on the extent of your scarring/disfigurement as well as the location and severity of function loss. Permanent loss and disfigurement benefits are paid out in addition to medical bills, lost wages, etc.</p>



<h3 class="wp-block-heading" id="h-contact-an-experienced-workers-compensation-lawyer-today">Contact an experienced workers’ compensation lawyer today!</h3>



<p>Chisholm Law LLC is dedicated to helping injured workers obtain compensation in Danvers, Massachusetts and the surrounding areas through Massachusetts. For a consultation, contact us <a href="http://chisholmllc.com/contact/">online</a>, or call 978-703-0700 to speak with Eric today.</p>



<figure class="wp-block-image size-large"><img loading="lazy" decoding="async" width="791" height="1024" src="/static/2024/04/36-LOF_Page_1-791x1024.jpg" alt="" class="wp-image-139" srcset="/static/2024/04/36-LOF_Page_1-791x1024.jpg 791w, /static/2024/04/36-LOF_Page_1-232x300.jpg 232w, /static/2024/04/36-LOF_Page_1-768x994.jpg 768w, /static/2024/04/36-LOF_Page_1-1187x1536.jpg 1187w, /static/2024/04/36-LOF_Page_1-1583x2048.jpg 1583w, /static/2024/04/36-LOF_Page_1.jpg 1700w" sizes="auto, (max-width: 791px) 100vw, 791px" /></figure>
]]></content:encoded>
            </item>
        
            <item>
                <title><![CDATA[The Pay Without Prejudice Extension. To Sign, or Not to Sign the Form 105. That Is the Question…]]></title>
                <link>https://www.chisholmllc.com/blog/the-pay-without-prejudice-extension-to-sign-or-not-to-sign-the-form-105-that-is-the-question/</link>
                <guid isPermaLink="true">https://www.chisholmllc.com/blog/the-pay-without-prejudice-extension-to-sign-or-not-to-sign-the-form-105-that-is-the-question/</guid>
                <dc:creator><![CDATA[Chisholm Law LLC]]></dc:creator>
                <pubDate>Mon, 11 Mar 2024 22:08:17 GMT</pubDate>
                
                    <category><![CDATA[Workers Comp]]></category>
                
                
                
                
                <description><![CDATA[<p>You received a letter from the insurance company, directing you to sign an attached form so that they “can continue paying your benefits”. The form is from the Department of Industrial Accidents, labeled Form 105 Agreement to Extend 180 Day Payment Without Prejudice Period. What is it? And should you sign it? It’s a good&hellip;</p>
]]></description>
                <content:encoded><![CDATA[
<p>You received a letter from the insurance company, directing you to sign an attached form so that they “<em><u>can continue paying your benefits</u></em>”. The form is from the Department of Industrial Accidents, labeled <strong><a href="https://www.mass.gov/doc/form-105-agreement-to-extend-180-day-payment-without-prejudice-period/download" target="_blank" rel="noreferrer noopener">Form 105 Agreement to Extend 180 Day Payment Without Prejudice Period</a>.</strong> What is it? And should you sign it?</p>



<p>It’s a good question. First, let’s give a little background…</p>



<p>The first 180 days (six months) of an injured worker’s claim is referred to as the pay without prejudice period. This 6-month period, governed by M.G.L. Chapter 152 (the Massachusetts Workers’ Compensation Statute), allows the insurer to pay an injured worker weekly benefits without fully accepting liability for injury. During this period, they are supposed to investigate the claim, review medical records, discuss the facts and circumstances of the injury with the injured worker, their employer, etc., to determine if there is any factual basis to dispute the claim. If an insurer decides they want to deny a claim after having started payments, they can stop your benefits at any time during this six-month period. All that is required is that they provide 7-day advanced written notice that they are terminating benefits. That’s it! They do not require permission from anyone! It’s important to realize that the insurer holds all the power during this initial period.</p>



<p>So, what is this form?</p>



<p>The Form 105 (<a href="https://www.mass.gov/doc/form-105-agreement-to-extend-180-day-payment-without-prejudice-period/download">https://www.mass.gov/doc/form-105-agreement-to-extend-180-day-payment-without-prejudice-period/download</a>) is a form that extends the pay without prejudice period from 180 days to 360 days. Insurers typically send out 105 extension letters early on in the process, i.e. 30-90 days rather than do what they should and investigate the circumstances around the injury. Insurers often send these extension letters under the guise that they are assisting you get an additional 180 days of benefits. “<em>Wow! I’m going to get another 180 days of checks</em>?” That’s not accurate, and grossly misleading. They can continue to pay benefits if they choose to. Essentially, they want injured workers to sign the Form 105 extension because they want the time frame extended where they have the power to stop benefits. </p>



<p>That leads to the next question. What happens it I don’t sign it?</p>



<p>If an insurer continues to pay benefits beyond the 180-day period, they have actually <strong><u>accepted liability</u></strong> for your injury as a matter of law, and can only stop your benefits under limited circumstances, such as a judge authorizing termination by way of a Conference Order; you return to work without a loss of earnings; your treating physician indicates that you can return to work with your employer and they’ve kept your job open for you; and a few other limited circumstances. What’s this mean? It means after the 180-day period they no longer have the power to stop your benefits without proper reason, and/or permission. So why should you allow an insurer to avoid accepting liability by signing the Form 105?</p>



<p>That is not to say that a Form 105 extension should never be signed. Every injured worker’s case is unique, and should be fully explored before making an assessment. If you have received an Agreement to Extend 180 Day Payment Without Prejudice Period, aka Form 105, from the workers’ compensation insurer, you should reach out to me right away. I’d be happy to discuss.</p>



<p>For a free consultation regarding the pay without prejudice form, or any other issue related to your work injury, contact the firm online <a href="/contact-us/">here</a>, or reach out by phone at (978) 703-0700 to speak with Eric today.</p>



<figure class="wp-block-image size-large"><img loading="lazy" decoding="async" width="768" height="1024" src="/static/2024/04/Form-105-Blank-768x1024.jpg" alt="" class="wp-image-134" srcset="/static/2024/04/Form-105-Blank-768x1024.jpg 768w, /static/2024/04/Form-105-Blank-225x300.jpg 225w, /static/2024/04/Form-105-Blank-1152x1536.jpg 1152w, /static/2024/04/Form-105-Blank.jpg 1500w" sizes="auto, (max-width: 768px) 100vw, 768px" /></figure>
]]></content:encoded>
            </item>
        
    </channel>
</rss>