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“FEMA BUDDY” : A simple strategy for all us to stay safe during the COVID-19 crisis

Posted on April 17, 2020 by Gregory Cairns

During the COVID-19 Pandemic, there are four main reasons you should go out of your house during stay at home times- FOOD, EXERCISE, MEDICATIONS AND ALCOHOL. A handy acronym reminding us of these four reasons for leaving the home is “FEMA” (not to be confused with the federal agency responsible for crisis relief).

The FEMA BUDDY concept is a smart way to keep you and your loved ones safe during this terrible crisis.

Think about having a home-stay buddy to keep you safe. “The Buddy System” is widely used to ensure safety in several situations including SCUBA diving, in the military, and even at summer camp. Why not rely on a “buddy” during these trying times to avoid the novel coronavirus?

Most of us have another person we can rely on. Under the FEMA BUDDY approach, you and your buddy decide together:

  • Do you really need to go out?
  • When will we go out ?
  • Where are we going?
  • Do we have PPE (masks, gloves, hand wash, etc.)?
  • What is sequence of trip?
  • How long are we going to be gone?

If you decide to go out, with a plan in mind, then you and your buddy can go together and do the following:

  • Travel together
  • Make sure your buddy is not touching surfaces unnecessarily
  • Ensure that they keep their PPE on at all times
  • Keep to itinerary
  • Keep to schedule

The advantages of the FEMA BUDDY system are:

  • Shows unity
  • Minimizes risks
  • Avoids anger at the other who unintentionally makes you sick
  • Avoids guilt if you unintentionally make the other sick
  • Promotes bonding while you and your buddy work together to procure essentials

Why don’t you try the FEMA BUDDY system? Maybe you can team up to give that coronavirus a hard time!

By Gregory Cairns, Esq.
Cairns & Associates, P.C., Denver, Colorado
April 17, 2020
(All rights reserved)


Posted on March 16, 2020 by Gregory Cairns

If an employee contracts COVID-19, the illness associated with exposure to the coronavirus, and they believe that they got it from a coughing worker sitting/standing next to them, can they file a workers’ compensation claim?


This answer is based on  my 37 years of workers’ compensation experience and knowledge of workers’ compensation laws pertaining to what is called an “occupational disease”. See Section 8-40-201(14), Colorado Revised Statutes.

A worker might receive workers’ compensation  benefits if the worker could, by preponderance of the evidence, prove all of the following:

  1. The co-worker definitely had the virus.  This will be hard to prove due to HIPAA regulations protecting the medical privacy rights of the injured worker. An admission by the worker might not be sufficient evidence.  The claimant’s attorney would have to subpoena the co-worker to a hearing; however, the worker could decline to answer the question about diagnosis by invoking HIPAA confidentiality rights.  If several workers got the illness, and they could also trace the illness to contacts with the co-worker who is suspected to have the virus, the evidence in favor of the claimant is better, but  that evidence still may not be conclusive due to requirement 3 below.
  2. The co-worker shared air (within 6 feet), bathroom, tools, and precautions for shared use (e.g. masks, gloves, etc.) were not in place.
  3. Their only contact with a coronavirus carrier was at work.  This element of proof will be extremely hard to prove, and it will bar most cases.  How can an employee prove that the only place they were exposed to the virus was at work?  No one lives in a bubble:  We all interact with significant others, cashiers, servers, and  other third parties outside of work.  Who can prove that NONE of them was a carrier when one can be asymptomatic and still carry the virus? Section 8-40-201(14), Colorado Revised Statutes,  provides in relevant part that a worker must prove that the disease “does not come from a hazard to which the worker would have been equally exposed outside of the employment.”    This burden of proof will be nearly impossible to meet given the realities of how the virus is transmitted.
  4. They  had need of medical care or lost time from work. 
  5. The fact that the afflicted employee receives public benefits (e.g., wage payments for lost time, free coronavirus testing, etc.)  will not bar a claim, and probably will not reduce the liability of the workers’ compensation carrier for benefits.

The above analysis also applies to the following scenarios, with appropriate modifications:

  1. Medical personnel who interact with multiple ill patients. In this situation, it will obviously be much easier to meet the burden of proof.
  2. Cashiers, servers, receptionists, on floor salespersons, public employees with public contacts, etc.    Like office or factory workers, the burden of proof will be difficult to meet.
  3. Other workers who interact with the public.   I recommend reference to the analysis above, understanding that workers’ compensation judges tend to be conservative and likely to hold any claimant to the tough burden of proof to prove an “occupational disease”.

Workers’ compensation carriers will soon develop their own standards for evaluating claims, but be assured that most carriers will uniformly deny COVID-19 claims pending investigation.

If you have further questions about my answer, please contact me.

John Sandberg Begins as New Prehearing Administrative Law Judge

Posted on July 4, 2015 by Gregory Cairns

John Sandberg, a long-time workers’ compensation defense attorney, has been appointed as the newest Prehearing Administrative Law Judge at the Division of Workers’ Compensation.  I practiced with PALJ Sandberg when we were at Hall & Evans and at Ruegsegger Simons Smith & Stern, so I can tell you that he is an excellent, ethical and engaging workers’ compensation practitioner.

Congratulations to John!

Welcome to the Cairns & Associates Blog

Posted on December 1, 2014 by Gregory Cairns

Please check back for the latest news and information about Worker’s Compensation law including, the Medical Marijuana industry, Older workers and Fit for Duty Training.