Breaking OWCP with Chris & Gini

Welcome back to Wednesday night OWCP Chats with Chris and Gini. In this episode, the hosts dive deep into the crucial differences between approved and denied federal workers' compensation claims. With a focus on strict deadlines, the importance of detailed medical narratives, and the appeals process, this discussion provides a comprehensive guide for injured federal employees striving to navigate the system and get the help they deserve. 

Key Takeaways

• Crucial Filing Timelines: Federal employees have exactly three years to file a CA-1 or CA-2 work injury claim, starting from the date of the injury or the date they became reasonably aware the injury was work-related. 
• The Reality of Claim Numbers: Receiving a nine-digit claim number from the Department of Labor simply means your information was received, not that your claim has been approved. 
• What an Approval Actually Means: An OWCP approval means a specific condition or diagnosis was accepted by the Department of Labor, but it does not necessarily cover every injury you sustained. 
• The Beginning, Not the End: Getting an approval is the start of the case. You must remain actively involved by attending all appointments, following medical instructions, and closely monitoring your ECOMP file. 
• Authorizing Ongoing Treatment: Medical treatments—especially those needed after 120 days—still require specific authorization from the claims examiner, which is based entirely on your accepted diagnosis. 
• Securing Wage Loss Compensation: An approved claim does not automatically guarantee wage loss compensation. Your treating physician must write a specialized disability narrative that medically explains why you need to be off work. 
• Decoding a Denial Letter: A denial is not the end of the world or your case; instead, it serves as a roadmap detailing exactly why the claim was rejected so your doctor can effectively address the gaps. 
• The Power of Reconsideration: Every denial letter includes an appeal request form on the last page. Opting for a reconsideration gives you a 12-month window to appeal and allows your doctor to submit new medical information for the claims examiner. 
• Documentation is Protection: Document everything from the moment you are injured—including writing a personal statement detailing the event and recording any friction with supervisors—because the system will not automatically take care of you. 

Important Forms & Terms Discussed

• CA-1 & CA-2: Forms used to file a single-shift injury (CA-1) or a multiple-shift occupational disease claim (CA-2). 
• CA-17 (Duty Status Report): A form where side A is filled out by your supervisor and side B is completed by your physician to outline your specific work restrictions. 
• Disability Narrative: A necessary medical report written by a DOL-trained doctor explaining exactly why an injury medically requires you to miss work. 

Website for Locations. www.federalinjurycenters.com
Contact: 877-787-OWCP or message us Facebook
To Buy The Book: www.breakingowcp.com
To Email information: [email protected]
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Wednesday Night OWCP Chats with Chris & Gini

In this episode of "Wednesday Night OWCP Chats," Chris and Gini break down the critical differences between an approved and denied federal workers' compensation claim. They start by busting a major myth circulating among federal employees and management: you actually have three years to file your OWCP claim, not 30 days. The hosts explain why receiving a nine-digit claim number is just the beginning of the process, what a partial approval means for your medical treatment, and why a denial letter is a roadmap to victory rather than the end of the road.

Key Takeaways

• The 3-Year Deadline: By law, you have three years from the date of your injury (or the date you reasonably became aware it was work-related) to file a CA-1 or CA-2 claim. Do not let management convince you the window closes in a few days or weeks.
• A Claim Number Does Not Equal Approval: Receiving a nine-digit claim number from the Department of Labor simply means a file has been opened. It does not mean your medical condition or wage loss compensation has been approved.
• Approvals Are Condition-Specific: OWCP only approves specific medical conditions (e.g., a shoulder sprain). If you have multiple injuries, your doctor must ensure every condition is explicitly diagnosed, documented, and accepted before treatments like surgery will be authorized.
• Wage Loss Requires a Narrative: An approved claim does not automatically trigger wage loss compensation. Your doctor must provide a detailed disability narrative explaining why you are medically unable to work, alongside your CA-17 duty status report.
• Denials Are Roadmaps: A denial letter is not the end of your case. It contains specific reasons for the denial (often related to "causal relationship") that outline exactly what your doctor needs to address in an appeal, such as a Reconsideration, which gives you a 12-month window to submit new medical evidence.
• Document Everything: Keep a detailed personal statement of your accident, save every letter from the DOL, and document all interactions with management and second-opinion doctors.

Resources & Forms Mentioned

• CA-1 / CA-2: Claim forms for single-shift traumatic injuries (CA-1) and multiple-shift occupational diseases (CA-2).
• CA-17: Duty Status Report used to outline specific work restrictions.
• OWCP 915 / 957: Forms for claiming medical reimbursement and travel/mileage expenses.
• ECOMP: The online portal to track your case file and manage document submissions.

Website for Locations. www.federalinjurycenters.com
Contact: 877-787-OWCP or message us Facebook
To Buy The Book: www.breakingowcp.com
To Email information: [email protected]
Find Us on Facebook, YouTube, LinkedIn, Instagram @
Wednesday Night OWCP Chats with Chris & Gini

In this episode of the Breaking OWCP podcast, hosts Chris and Gini break down the critical steps for filing CA-7 claims for compensation. They provide federal employees with a comprehensive guide on navigating Leave Without Pay (LWOP), dealing with supervisor delays, and ensuring all medical documentation aligns to get claims approved. 

Key Takeaways for Getting Paid

• Your OWCP claim must be explicitly approved before you can receive LWOP compensation. 
• You can utilize Continuation of Pay (COP) for up to 45 calendar days following a CA-1 claim. 
• Medical rationale is strictly required; a simple "off work" doctor's note is insufficient. 
• You must ensure your medical documentation dates match the exact dates listed on your CA-17 and CA-7 forms. 
• Supervisors are required by rule to complete their portion of the CA-7 within five days of your submission. 
• You should double-check management's math on the CA-7 to avoid incorrect pay rates or missing hours. 

Essential CA-7 Attachments

To ensure the highest chance of your CA-7 being approved, you must attach the following documents in ECOMP: 

Document | PurposeCA-17 Form | This is the official duty status report that takes you off of work or outlines your medical restrictions.
Disability Narrative | This is a detailed medical report from your doctor explaining exactly why you need to be off of work.
CA-20 Form | This is the attending physician's report that outlines the current status of your injury case.
Appointment Printouts | These serve as proof of attendance if you had to miss a portion of your work shift to attend a medical visit. 

Listener Q&A Highlights

• Maximum Medical Improvement (MMI) indicates you have healed as much as possible, but it does not automatically restrict you from working or claiming LWOP. 
• To request reimbursement for out-of-pocket medical expenses, you must submit an OWCP 915 form alongside your receipts and a doctor's letter of medical necessity. 

Website for Locations. www.federalinjurycenters.com
Contact: 877-787-OWCP or message us Facebook
To Buy The Book: www.breakingowcp.com
To Email information: [email protected]
Find Us on Facebook, YouTube, LinkedIn, Instagram @
Wednesday Night OWCP Chats with Chris & Gini

Episode Summary: Fresh off their trip to the Bureau of Prisons National Convention in Fort Lauderdale, Chris and Gini dive into a highly requested topic: OWCP Vocational Rehab. If you are a federal employee unable to return to your original job due to an accepted injury, this episode breaks down your options, your rights, and the complex math behind your continuing compensation. 

Key Takeaways

• Vocational rehab is designed to help injured federal workers transition into new employment while compensating them for their lost wage-earning capacity. 
• This program serves as an alternative to OPM FERS disability, which drops an employee's compensation to 40% of their previous salary in their second year. 
• OWCP uses the Shadrick formula to calculate your adjusted wage loss by comparing your new earning capacity against what your original federal job pays today. 
• Workers with an eligible dependent receive 75% of their adjusted wage loss, while those without dependents receive 66 and two-thirds percent. 
• Federal benefits like FEHB health insurance, dental, vision, and OWCP medical treatment often continue while enrolled in this program. 
• Injured workers must not casually refuse job offers but should challenge medically inappropriate work using specific medical restrictions provided by their treating doctor. 
• Important statutes to reference are 5 U.S.C. 8104 for vocational rehabilitation and 5 U.S.C. 8115 for the determination of wage-earning capacity. 

The Shadrick Formula Example

1. Assume a federal employee earned 80,000 dollars annually at the time of their injury. 
2. The worker completes vocational rehab and secures a private-sector job earning 60,000 dollars. 
3. If their original federal job now pays 100,000 dollars today, their new 60,000 dollar salary represents a 60% wage-earning capacity. 
4. Multiply the original 80,000 dollar salary by that 60% capacity to equal 48,000 dollars. 
5. Subtract 48,000 dollars from the original 80,000 dollars to determine an adjusted wage loss of 32,000 dollars. 
6. If the worker has a dependent, OWCP pays 75% of that 32,000 dollar wage loss, providing an additional 24,000 dollars in compensation. 

Website for Locations. www.federalinjurycenters.com
Contact: 877-787-OWCP or message us Facebook
To Buy The Book: www.breakingowcp.com
To Email information: [email protected]
Find Us on Facebook, YouTube, LinkedIn, Instagram @
Wednesday Night OWCP Chats with Chris & Gini

In this episode of "Wednesday Night OWCP Chats," Chris and Gini tackle a highly requested topic: how to protect your federal job when you are out of work due to a work-related injury. They discuss the hidden consequences of being out of work for extended periods and emphasize that the OWCP process is not a vacation. The hosts break down the crucial one-year timeline for federal and USPS employees, as well as the two-year timeline for rural carriers, regarding job separation. Listeners will learn actionable strategies for communicating with doctors, properly filling out CA-17 forms, handling limited duty job offers, and getting back on the clock safely. 


Key Takeaways

• The One-Year Rule: For most federal and USPS employees, being out of work for a year or more puts your position at risk of separation. 
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• Rural Carrier Exception: Rural carriers have a two-year period before running the risk of losing their route or job. 
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• Job Separation is Not Claim Termination: Being separated from your job due to a disability does not automatically terminate your OWCP medical benefits or compensation. 
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• Clocking In is Key: Returning to work on a limited duty assignment is the surest way to get paid and avoid the struggles of Leave Without Pay (LWOP). 
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• Handling Limited Duty Offers: You are afforded 30 days to review a limited duty job offer with your doctor. Agencies must honor this review period, and you are not required to sign anything under duress or protest on the spot. 
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• Specific Medical Documentation: Ensure your doctor provides highly specific work restrictions on your CA-17 form rather than vague guidelines. This specificity allows your agency to find a suitable limited duty assignment. 
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• Accurate Diagnoses Matter: Ensure your accepted OWCP condition reflects your actual injury—like a herniated disc rather than just a lumbar sprain—to justify the necessary time off work and prevent premature claim issues. 
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Resources Mentioned

• OWCP Forms: CA-17 (Duty Status Report), CA-20 (Attending Physician's Report), OWCP 957 (Medical Travel Refund Request), and CA-7 (Claim for Compensation). 
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• FMLA (Family Medical Leave Act): A crucial tool to use for job protection if your claim is not yet approved and you run out of Continuation of Pay (COP). 
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• ECOMP Portal: The online portal used for uploading medical documents, tracking your case, and submitting travel bills for mileage reimbursement. 
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Website for Locations. www.federalinjurycenters.com
Contact: 877-787-OWCP or message us Facebook
To Buy The Book: www.breakingowcp.com
To Email information: [email protected]
Find Us on Facebook, YouTube, LinkedIn, Instagram @
Wednesday Night OWCP Chats with Chris & Gini

Welcome back to the Breaking OWCP podcast! In this episode of Wednesday Night OWCP Chats, Chris and Gini tackle one of the most frustrating aspects of federal workers' compensation: the second opinion exam. If you are worried that an OWCP-appointed doctor is going to ruin your case, this episode is exactly what you need. Chris breaks down the unspoken rules of these exams, providing you with a step-by-step "Survival Guide" to protect your claim. Tune in to learn why these exams are ordered, how to potentially avoid them, and the critical steps you must take while in the examination room. 

🔍 Episode Highlights & Key Takeaways

Why OWCP Requests Second Opinions

• A primary reason for a second opinion is when the causation of the injury is unclear. 
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• Claims examiners may request an exam if the treating physician's reports lack sufficient explanation. 
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• A slower-than-expected recovery or prolonged treatment can trigger a second opinion request. 
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• Requests for surgery or significant treatment often lead to these exams due to the cost and risk involved. 
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• Diagnosis expansions, where a doctor adds a new diagnosis to an existing claim, frequently result in a second opinion. 
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How to Reduce Your Chances of a Second Opinion

• Ensure your doctor gets the diagnosis right the first time to avoid later diagnosis expansions. 
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• Never let a doctor use "pain" as a diagnosis because OWCP considers it an invalid diagnosis. 
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• Your physician must explain their medical reasoning instead of just providing conclusions. 
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• Utilize objective findings like MRIs and X-rays to make your claim rock solid. 
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• Make sure your injury history remains consistent across all forms and medical records. 
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The Second Opinion Survival Guide: What to Do During Your Visit

• You must always tell the truth and avoid exaggerating your symptoms. 
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• It is crucial to stay calm and never argue with the examining doctor. 
• You should know your exact injury timeline so you can answer questions accurately. 
• Do not comply with exam maneuvers if they are unsafe or cause you severe pain. 
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• You must document the exact minute you arrived, were taken back by the nurse, saw the doctor, and left the building. 
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• You need to record the names of everyone present and what physical exams were actually performed on you. 
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📢 Announcements & Resources Mentioned

Upcoming Live Events

Starting in October, Chris and Gini are taking their OWCP knowledge on the road! They will be launching the "America's OWCP Couple" tour, offering two-hour, after-work OWCP training sessions in local areas across the country. 

Recommended Reading

Chris highly recommends the book Unbought, Unbowed, Unstoppable by AFGE National President Kelly. It details the story of AFGE and the fight for federal workers. You can find it on Amazon. 

Stay Connected

Don't forget to hit the follow button so you never miss a live Wednesday night chat! If you need assistance with forms like the CA-7, you can visit the Federal Injury Centers website for box-by-box instructional videos.

Website for Locations. www.federalinjurycenters.com
Contact: 877-787-OWCP or message us Facebook
To Buy The Book: www.breakingowcp.com
To Email information: [email protected]
Find Us on Facebook, YouTube, LinkedIn, Instagram @
Wednesday Night OWCP Chats with Chris & Gini

Welcome back to Wednesday Night OWCP Chats! After a six-week hiatus (thanks to a rogue camera and some traveling), America’s OWCP Couple, Chris and Gini, are finally back.

In this episode, Chris dives into the ultimate strategy for handling supervisors who refuse to follow the rules: Document Everything. They also clear the air about fake competitors trying to steal the Federal Injury Centers (FIC) name. Plus, Chris and Gini tackle a massive rapid-fire Q&A session from federal workers, covering everything from Continuation of Pay (COP) and filing CA-7s to what happens if management can't find you a job while you're on limited duty.

If you are a federal employee dealing with a work-related injury, this episode is packed with the exact advice you need to protect your rights and get your claim approved!

🔑 Key Takeaways & Highlights

• We’re Back! & Beware of Copycats: The story of the broken camera, returning from LA, and a major warning: if the logo doesn't say Federal Injury Centers, it is NOT Chris and Gini. Watch out for competitors hijacking the brand!
• Main Topic - Cornering Bad Supervisors: How to prevent management from sabotaging your claim. Learn why you must communicate your rights (like the 4-hour rule for a CA-16) entirely through email to build an undeniable paper trail.
• Getting Paid (CA-7): Stop waiting on the occupational nurse. Learn the exact forms you need (CA-7, CA-17 Duty Status Report, and a doctor's disability narrative) to get your lost wages paid.
• An 11-Year OWCP Victory: A heartfelt story about an "impossible" case that finally resulted in back-pay after more than a decade of never giving up.
• The 3-Year Rule: Did you wait too long to file? You actually have three years from the date of injury (CA-1) or the date you realized it was work-related (CA-2) to file a claim.
• Continuation of Pay (COP) Explained: How to qualify for up to 45 days of COP, when to start filing CA-7s, and why you must provide medical documentation within 10 days to keep your pay active.
• Job Offers & Limited Duty: What happens when your employer offers you a job that doesn't match your restrictions? Learn your rights regarding the CA-17 and why "signing under duress" isn't a real OWCP rule.
• Schedule Awards & OPM Disability: Can you get a schedule award while on the periodic rolls? (Spoiler: No double dipping, but you can defer it!). Plus, a brief look at Federal Disability Retirement (FDR).

🔗 Resources & Links Mentioned

• Federal Injury Centers: FederalInjuryCenters.com (Use the "Locations" tab to find an OWCP-trained doctor near you).
• Forms Mentioned: Download your CA-1, CA-2, CA-7, CA-16, CA-17, and OWCP-5C directly from the FIC website or via ECOMP.
• ECOMP: File your claims and escalate unread documents with your Claims Examiner directly through the DOL portal.
• Podcast Shoutout: Check out Richie Ray's podcast, The Hot House (Find him on TikTok/IG at @Hot_House).

💡 Pro-Tip from Chris & Gini:

Never give up on your claim. As long as you don't quit fighting for your federal rights, we won't quit fighting for you!

Website for Locations. www.federalinjurycenters.com
Contact: 877-787-OWCP or message us Facebook
To Buy The Book: www.breakingowcp.com
To Email information: [email protected]
Find Us on Facebook, YouTube, LinkedIn, Instagram @
Wednesday Night OWCP Chats with Chris & Gini

Are you risking your federal workers' comp benefits just to keep the peace at work? In this episode of Breaking OWCP, Chris and Gini break down "Thing #25" from their Volume 4 guide: Forget Your Supervisor’s Feelings. Management's primary job is to process your paperwork and get out of the way, but fear of retaliation often pushes federal employees into making devastating mistakes with their CA-1, CA-2, and CA-16 forms. Learn exactly why waiting to report an injury, going to the agency's preferred urgent care, or accepting invalid limited-duty offers will tank your claim—and what you need to do to fight back and get the help you deserve.

Key Takeaways & Authority Directives

• The Danger of Waiting: Delaying your injury report to avoid making management mad costs you access to a CA-16 (which pays medical bills for 60 days) and Continuation of Pay (COP for up to 45 days).
• Your Right to Choose: You have the absolute right to the initial selection of your physician. Going to a nurse practitioner at the agency's requested urgent care is a fast track to a denied claim.
• Handling Limited Duty Offers: Do not sign invalid limited-duty offers under duress. Always ensure your doctor reviews the offer against your CA-17 safety restrictions.
• The Power of Paper Trails: Document every single interaction with management via email and always copy your union representatives.
• Calling in Reinforcements: If supervisors ignore your safety restrictions, escalate the issue immediately to OSHA, your agency's OIG, EEO, or your congressional representatives.

Resources Mentioned

• Breaking OWCP Volume 4 Book: Currently unavailable for online purchase, but distributed for free to attendees at live training events.
• Crucial OWCP Forms: CA-1, CA-2, CA-16, and CA-17.
• Union Power: Special shoutout to the APWU for fiercely protecting their clerks and holding management accountable.

Website for Locations. www.federalinjurycenters.com
Contact: 877-787-OWCP or message us Facebook
To Buy The Book: www.breakingowcp.com
To Email information: [email protected]
Find Us on Facebook, YouTube, LinkedIn, Instagram @
Wednesday Night OWCP Chats with Chris & Gini

Welcome back to the Breaking OWCP podcast! In this episode, Chris and Gini open the floor for a live Q&A, tackling the most pressing federal workers' compensation questions. We break down exactly why federal employees should never let management intimidate them out of filing an injury claim, highlight the crucial differences between essential CA forms, and explain how EEO protections cover your claim. Plus, we share some highlights from our recent travels to San Antonio and Police Week in D.C., and Chris finally drops the origin story of how he and Gini teamed up to help federal workers. 

Key Takeaways

• Overcoming the Fear of Filing: It is a crime punishable by fines or imprisonment to prevent an employee from reporting a workplace injury. Don't let management intimidation stop you from getting the help you deserve. 
• CA-1 vs. CA-2: File a CA-1 on ECOMP for injuries that happen during a single shift. Use a CA-2 for injuries that develop over time, such as carpal tunnel syndrome or knee osteoarthritis. 
• Crucial Deadlines to Know: You have three years to report an injury, 12 months to file an OWCP 915 for out-of-pocket expenses, and 12 months to file an OWCP 957 for mileage. 
• The Power of Your Union: While you can technically remain on OWCP indefinitely, job protections vary. For example, city carriers and clerks are protected for one year, while rural carriers are protected for two. Union backing is critical for filing grievances and securing your job once those timelines pass. 
• EEO Protections: OWCP considers you temporarily disabled when you have an accepted claim and are out of work, meaning EEO laws require that you be treated fairly and without discrimination. 

Medical & Claims Advice

• Handling Second Opinions: If a claims examiner mandates a second opinion, take detailed notes with exact timestamps of the doctor's actions, type them up, and submit the timeline to your claims examiner via ECOMP. 
• Proving Medical Necessity: If OWCP denies an imaging request like an ultrasound, your doctor must submit a bulletproof letter of medical necessity explaining exactly why the procedure is the key to your treatment. 
• The QAM Reality: A Quality Assurance Manager (QAM) audits claims examiners, but just like the examiners, they do not operate on a mandated timeframe for making decisions.

Website for Locations. www.federalinjurycenters.com
Contact: 877-787-OWCP or message us Facebook
To Buy The Book: www.breakingowcp.com
To Email information: [email protected]
Find Us on Facebook, YouTube, LinkedIn, Instagram @
Wednesday Night OWCP Chats with Chris & Gini

Welcome back to the Breaking OWCP Podcast! This week, Chris and Gini are tackling some of the most common and stressful hurdles in federal workers comp: closed claims, denied claims, and dealing with old or pre-existing injuries.

If you’ve recently received a denial letter, do not give up! Chris breaks down exactly why a denial is actually a roadmap to getting your claim approved, which appeal option you must choose, and how to prevent your claim from getting closed due to "inactivity." Plus, we bust the biggest management lie regarding filing deadlines—you have much more time than they are telling you!

In This Episode, We Cover:

• The Silver Lining of Denied Claims: Why a denial letter is actually a cheat sheet. Learn how to take the specific reason for denial directly to your doctor so they can write a targeted narrative report to fix it.
• The Only Appeal Option You Need: When you get a denial, always select "Reconsideration." Chris explains why this is the safest route and how it gives you a 12-month window to submit new medical evidence.
• Why Claims Get Closed: The #1 reason claims are shut down is inactivity (not going to the doctor or following a treatment plan). Learn how to keep your case active and how to reopen a closed claim.
• Filing Deadlines (Busting Management Lies): Did management tell you that you only have 14 or 30 days to file? Wrong. You have up to 3 years to file an injury claim (CA-1 or CA-2).
• Pre-existing Conditions: Whether it's an old sports injury or a service-connected condition for veterans, learn how your claim can still be covered if your federal job exacerbates the issue.
• The CA-10 Cheat Sheet: The 5 simple steps every federal employee should follow when injured at work. Print this out and put it on your bulletin board!

Mentioned in this Episode:

• Get the latest, bite-sized OWCP rules and regulations by following Chris on Twitter: @fedinjurycenter
• Need OWCP forms like the CA-10, CA-16, or CA-17? Download them for free at [Federal Injury Centers Website].
• Next Week's Teaser: Get your pens ready! We will be doing a deep dive into the rules, laws, and regulations that management constantly breaks—and exactly what you can do about it.

Don't forget to hit SUBSCRIBE and follow the Breaking OWCP Podcast so you never miss a live chat!

Website for Locations. www.federalinjurycenters.com
Contact: 877-787-OWCP or message us Facebook
To Buy The Book: www.breakingowcp.com
To Email information: [email protected]
Find Us on Facebook, YouTube, LinkedIn, Instagram @
Wednesday Night OWCP Chats with Chris & Gini