Seventy-two hours can make a world of difference on a claim. Philip Swartzendruber ended up at the emergency room after working a shift at a grocery store. His artificial hip socket was loose. He saw a specialist three days later. Swartzendruber filed for workers'within two years of seeing the specialist, but his claim was rejected. The reason: He missed the two-year statute of limitations by three days. The two-year clock started on the day he had reason to believe it was a serious condition, at the emergency room, not when he saw the specialist. (Swartzendruber v. Holiday Foods, No. 86/98-1998, Sup. Ct. Iowa, 2000)
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