ÿWPC: aÑ:þq®º‡ëÏ_9¨‹„h3tZ°\z¯â ΧâÌZ³Š°³`Ÿ š> „”s‘y¯uÃ#zÞÔdĸåŠb ùš'J]CßâAñ‹ØÕ@=Z$âÝlOÂå°Õ eT·ÌÁ>;™Ö>ñ W½lÄJýÛ÷-D‡ó*ònYQV¥ßåÃk½Â*|Ò®Ã.¹™ ƒ˜°X äC#]êU­–•¢MÐmŽ‘¢z–ª¯L„½ñ<öŒ.#&À?†\‡YTÐü“)5¡6ç±¼Z2ʹÌwhá#aǵ’®¡Òº¸Ös’ÿÎT fB±5z¹¶±Ê&@Å,¤³>Ç‘|…»ë-dz’ÕÈËaܤH‡÷¨+ŽzÁÉÚIØQÂ+’A×pޝïNpIÙŽŒ*›J/„¿±s]õÐ×¾ly"à¬mÂ90iÆP ÎŒ®à3ùô‚ו _# 2H2ÇärÝL˜džðÁ*’ÍjÙRãIz âÉ•¿ËGCÇÐÛé½3Îl*Ò@Õ@LÁ”ÞÑÑÚí´<ïJ̽ RE}3ÙRÕ¤ iaºP9—„nñ Mh;ôñav™»ÑÉÐ\ª·VúdÿG° ¦ZºxHq†¿¡zfŽý¶b#Á\ % ^ # 0ˆ/ UN· w 4 z Ò— i x mz ‘ Æ™ Æ_ Æ% Æë 0D±NõN÷ 1uùEn 72p 0c¢¢U@NE zGÒÁUN““““““““““““““““bááááá D1é B 0ë7777 B "" 0¤? D3ã D- 0KCC ASŽÆá 0¤§ 0DK A«˜HP LaserJet 8000 Series PSØÚØÚÚØØÚ0»‡Žo)â (`£ª$¡¡Ñ€.ÑÑ8€½­»»d»»d8ÑÑ ý ÑÓ  Ó(í€"  Z6Times New Roman RegularUUb)†á;æ ˜C:\PROGRA~1\COREL\WORDPE~1\TEMPLATE\CUSTOM~1\REVISE~1.WPTC:\Program Files\Corel\WordPerfect Office 2000\Template\Custom WP Templates\revised standard opinion.wpt3|xÿU‹ÿÀÀÀ Level 1Level 2Level 3Level 4Level 5‚Level 1Level 2Level 3Level 4Level 5„Level 1Level 2Level 3Level 4Level 5…Level 1Level 2Level 3Level 4Level 5(#Ã$òòÚ  Ú0Ú  Úóó3#37=CIQYag­­1.a.i.(1)(a)(i)1)a)i)(;3£$´´Ô2#ÔÚ  Ú0Ú  Ú.Ô3  Ôà0  à(ÖÃ9 Z‹(Times New Roman ˜C:\PROGRA~1\COREL\WORDPE~1\TEMPLATE\CUSTOM~1\REVISE~1.WPTC:\Program Files\Corel\WordPerfect Office 2000\Template\Custom WP Templates\revised standard opinion.wpt(ÆúI Z‹6Times New Roman Regular- ù-44)÷ÿ! dxdxüÿP Pd(|G2÷—$¤¤Ý ƒ£ª!ÝÑ€.ÑÑ8€^¼»»d d 8ÑÑ ý ÑÓ  ÓÝ  Ýà  àòòÚ  Ú0Ú  ÚóóÔ€X;üX»»Ô d(|3$££Ý ƒ£ª!ÝÑ€.ÑÑ8€^¼»»d d 8ÑÑ ý ÑÓ  ÓÝ  ÝVVVV'ÿÿdxd)!ÈÈÈÈdxdx( ±þ$’’ò òFigure€Ú  Ú1Ú  Úó ó^_X`YEþÿ<<CÿÿƒLevel 1Level 2Level 3Level 4Level 5(|3$¢¢Ý ƒ£ª!ÝÑ€.ÑÑ8€^¼»»d d 8ÑÑ ý ÑÓ  ÓÝ  Ý($$””ò òÚ  Ú1Ú  Úó óX[Z&OLE 2.0 Box <=8ÿÿÿÿÿÿÿÿÿÿCÿÿ HKKKKÝ ƒ£ª!ÝÑ€.ÑÑ8€Aì»»d dÈ8ÑÑ ý ÑÓ  ÓÝ  ÝÔ_ÔÔ€¼Ë »»»ÔÑ8€'üXXdê»»d 8ÑÓ  Óà@@7 7 ìàIN€THE€SUPREME€COURT€OF€TENNESSEEÐ ° ÐSPECIAL€WORKERSðð€COMPENSATION€APPEALS€PANELÐ Â Ðà@@ƒƒìàAT€JACKSONÐ Ô$ Ð(November€1999€Session)Ð æ6 ÐÔ‡X‰ŸX»¼Ë ÔÌò òÔ#†¼Ë »XX‰ŸÖ#ÔMARY€ALICE€SLOAN€v.€CONTINENTAL€CASUALTY€COMPANYÔ‡X‰ŸX»¼Ë Ôó óÐ ä 4 ÐÌà@@¼¼ìàò òDirect€Appeal€from€the€Chancery€Court€for€Madison€CountyÐ ä 4 Ðà@@ôôìàNo.€53985€€€€€€Joe€C.€Morris,€ChancellorÐ Ð  ÐÌÌà@@ìì*ìàßA€V) °°` d€÷E<“` AßÐ ”ä  ÐÌNo.€W1999„00185„Ô_ÔWCÔ_Ô„R3„CV€„€Mailed€September€13,€2000;€Filed€November€14,€2000€Ð ß  ÐÌßA€V) °°` dE<f` AßÐ g·  Ðó óÌÓ  ÓÓ  ÓThis€is€an€appeal€by€Continental€Casualty€Company€of€a€judgment€for€35%€permanent€partialÐ b² Ðdisability€to€the€body€as€a€whole€awarded€to€Mary€Alice€Sloan€for€an€injury€that€she€sustained€whileÐ Nž Ðworking€for€Goodyððs€Family€Clothing,€Inc.€on€November€1,€1996.€€The€appellant€agrees€that€theÐ :Š Ðworker€sustained€a€compensable,€work„related€injury€and€that€they€had€paid€temporary€total€disabilityÐ &v Ðbenefits€and€medical€expenses.€€The€only€issue€is€whether€the€preponderance€of€the€evidenceÐ b Ðsupports€the€trial€courtððs€award€to€the€plaintiff.Ô#†¼Ë »XX‰ŸL#ÔÔ‡X‰ŸX»¼Ë Ô€The€judgment€of€the€trial€court€is€affirmed.€€The€costsÐ þN Ðof€this€appeal€are€taxed€to€the€defendant.Ð ê: ÐÓŠÓÌò òà@ŽŽìàTenn.€Code€Ann.€ðð€50„6„225(e)€(1999)€Appeal€as€of€Right;€Judgment€of€theˆÐ  Ðà@55ìàChancery€Court€is€Affirmedó óˆÐ ®þ ÐÌòòÓ  ÓGeorge€W.€Ellis,€Sp.€J.Ô#†¼Ë »àX‰Ÿ4#ÔÔ‡X‰ŸX.¼Ë Ôóó,€delivered€the€opinion€of€the€court,€in€which€òòJanice€M.€Holder,€J.,óó€and€òòF.Ð †Ö ÐLloyd€Ô_ÔTatumÔ_Ô,€Sr.€J.óó,€joined.Ð r ÐÌCarl€K.€Wyatt,€Memphis,€Tennessee,€for€the€appellant,€Continental€Casualty€Company.Ð J š ÐÌGeorge€L.€Morrison,€Jackson,€Tennessee,€and€Mary€D.€Perkins„Allen,€Ô_ÔCookevilleÔ_Ô,€Tennessee,€forÐ ""r! Ðthe€appellee,€Mary€Alice€Sloan.Ð #^" ÐÌÔ  ÔÓ¯ÓÓ  Óò òMEMORANDUM€OPINIONó óÔ#†¼Ë »XX‰Ÿõ#ÔÔ‡X‰ŸX»¼Ë ÔÐ æ$6 $ ÐÌÓ  ÓÔ#†¼Ë »XX‰Ÿg #ÔÔ‡X‰ŸX»¼Ë Ôà  àThis€workerððs€compensation€appeal€has€been€referred€to€the€Special€Workerððs€CompensationÐ ¾&"& ÐAppeals€Panel€of€the€Supreme€Court€in€accordance€with€Tenn.€Code€Ann.€ðð50-6-225(e)€for€hearingÐ ª'ú"' Ðand€reporting€to€the€Supreme€Court€of€findings€of€fact€and€conclusions€of€law.Ð –(æ#( ÐÌà  àReview€of€the€findings€of€fact€made€by€the€trial€court€is€òòde€novoóó€upon€the€record,Ð n*¾%* Ðaccompanied€by€a€presumption€of€the€correctness€of€findings€unless€the€preponderance€of€theÐ Z+ª&+ Ðevidence€is€otherwise.€€Tenn.€Code€Ann.€ðð50-6-225(e)(2);€òòStone€v.€City€of€Ô_ÔMcMinnvilleÔ_Ôóó,€866€S.W.2dÐ F,–', Ð548,€550€(Tenn.€1995).€€The€application€of€this€standard€requires€this€court€to€weigh€in€more€depthÐ 2-‚(-ý Ðthe€factual€findings€and€conclusions€of€the€trial€court€in€a€workerððs€compensation€case.€€SeeòòÐ ° ÐCorcoran€v.€Foster€Auto€Ô_ÔGMCÔ_Ô,€Inc.óó,€746€Ô_ÔS.W.Ô_Ô€2d€452€(Tenn.€1988).€€However,€considerableÐ œì Ðdeference€must€be€given€to€the€trial€judge,€who€has€seen€and€heard€witnesses,€especially€where€issuesÐ ˆØ Ðof€credibility€and€weight€of€oral€testimony€are€involved.€€òòJones€v€Hartford€&óó€òòIdem.€Coóó.,€811€Ô_ÔS.W.Ô_ÔÐ tÄ Ð2d€516,€521€(Tenn.€1991).Ð `° ÐÌÔ  Ôà@¥¥(ìàò òFACTSó óˆÐ 8 ˆ ÐÌà  àMary€Alice€Sloan€was€sixty„three€(63)€at€the€time€of€the€trial€and€had€a€high€school€diplomaÐ  ` Ðbut€no€other€education.€€Her€work€history€included€sewing€machine€operator,€soldering€electricÐ ü L  Ðboards€for€ships€and€operating€clothing€stores€for€approximately€twenty„four€(24)€years.€€In€1966,Ð è 8  Ðshe€was€hired€as€a€department€head€for€Goodyððs€Department€Store.Ð Ô$  ÐÌà  àIn€her€job€Ms.€Sloan€had€to€put€out€merchandise€and€keep€racks€straight€and€everything€colorÐ ¬ü  Ðcoordinated.€€Totes€would€be€brought€out,€and€she€had€to€lift€them,€take€the€goods€out,€and€put€themÐ ˜è  Ðon€the€racks.€€She€had€to€do€some€cleaning€that€required€some€lifting€and€pulling.Ð „Ô  ÐÌà  àWhen€the€accident€occurred€she€was€reaching€for€a€tote€that€was€stacked€up€high.€€It€wasÐ \¬ Ðheavier€than€she€thought,€and€when€she€pulled€it€she€dropped€it€and€tried€to€catch€it€while€it€wasÐ H˜ Ðfalling.€€She€immediately€had€pain€in€her€lower€back€and€down€her€right€leg.Ð 4„ ÐÌà  àShe€was€first€treated€by€Dr.€Paul€Schwartz,€a€family€practice€physician,€who€recommendedÐ  \ Ðwarm€soaks€and€range€of€motion€exercises.€€He€imposed€a€twenty„pound€lifting€restriction€andÐ øH Ðprescribed€anti„inflammatory€medication.€€On€a€second€visit€Dr.€Schwartz€limited€her€standing€toÐ ä4 Ðeight€hours€out€of€every€twenty„four€and€continued€her€lifting€restrictions.Ð Ð  ÐÌà  àBy€December€16,€1996,€her€numbness€had€worsened€and€Dr.€Schwartz€recommended€a€CATÐ ¨ø Ðscan€which€was€unremarkable.€€In€February€of€1997,€Dr.€Schwartzðð€examination€revealed€tendernessÐ ”ä Ðin€the€sacroiliac€area,€with€a€positive€straight€leg€raising€test.€€In€April,€Dr.€Schwartz€ordered€physicalÐ €Ð Ðtherapy€and€recommended€an€MRI€when€Ms.€Sloanððs€symptoms€of€numbness€in€the€right€extremityÐ l¼ Ðworsened.€€He€referred€her€to€Dr.€Glen€Barnett,€a€neurosurgeon.Ð X ¨ ÐÌà  àDr.€Barnettððs€examination€revealed€limited€range€of€motion,€a€positive€straight€leg€raisingÐ 0"€  Ðtest,€and€decreased€sensation€of€the€lateral€aspect€of€her€right€foot.€€Her€x„ray€revealed€Ô_ÔspondylosisÔ_ÔÐ #l! Ðin€her€back.€€He€diagnosed€a€low€back€strain€and€recommended€an€Ô_ÔepiduralÔ_Ô€injection.€€He€testifiedÐ $X" Ðthat€the€work€injury€did€not€cause€the€Ô_ÔspondylosisÔ_Ô€but€the€injury€may€have€brought€it€to€some€degreeÐ ô$D # Ðof€presence.€€He€testified€that€her€x„rays€were€unusual€even€considering€her€age.€€Dr.€Barnett€did€notÐ à%0!$ Ðassess€any€permanent€partial€impairment€but€did€testify€that€she€needed€future€medical€treatment€forÐ Ì&"% Ðher€injury€in€the€form€of€Ô_ÔepiduralÔ_Ô€injections.Ð ¸'#& ÐÌà  àDr.€Schwartz€treated€Ms.€Sloan€for€two€years€post„accident.€€He€testified€that€during€thisÐ )à$( Ðperiod€of€time€her€complaints€did€not€change,€and€he€diagnosed€her€condition€as€low€back€strain€withÐ |*Ì%) Ðsacroiliac€irritation.€€The€sensation€changes€in€her€right€lower€extremity€were€the€results€ofÐ h+¸&* Ðð ðÔ_ÔsacroilitisÔ_Ô,ðð€an€inflammation€specific€to€those€joints€that€occurred€as€a€result€of€the€strain.€€HeÐ ° Ðtestified€that€Ms.€Sloan€retained€a€2%€permanent€partial€impairment€to€the€body.€€Ð œì ÐÌà  àAfter€being€released€by€Dr.€Schwartz,€Ms.€Sloan€was€examined€by€Dr.€Robert€J.€Barnett,€anÐ tÄ Ðorthopedic€surgeon.€€He€performed€a€physical€exam€that€revealed€extreme€limited€range€of€motionÐ `° Ðin€her€low€back,€as€well€as€the€absence€of€Achillesðð€reflexes€bilaterally.€€After€reviewing€her€x„rays,Ð L œ Ðhe€assessed€a€10%€permanent€partial€impairment€to€the€body€as€a€whole€€in€accordance€with€theÐ 8 ˆ ÐAMA€Guides€and€a€20%€permanent€impairment€to€the€body€in€accordance€with€their€OrthopedicÐ $ t ÐGuidelines.€€He€recommended€that€she€avoid€lifting,€bending,€stooping,€long€standing€and€longÐ  ` Ðsitting.Ð ü L  ÐÌà  àAt€trial,€Mary€Alice€Sloan€testified€that€she€continues€to€have€low€back€pain€and€right€legÐ Ô$  Ðnumbness.€€She€explained€that€she€had€worsened€and€now€cannot€walk€a€very€long€way,€and€if€sheÐ À  Ðrides€in€a€car,€she€has€difficulty€getting€out.€€She€testified€that€her€leg€and€right€toes€stay€asleep.€€SheÐ ¬ü  Ðcontinues€to€have€trouble€standing,€sitting,€walking,€and€lifting.€€As€of€the€trial,€she€was€still€takingÐ ˜è  Ðprescription€medication€for€pain.€€She€testified€that€she€left€the€employ€of€Goodyððs€Department€StoreÐ „Ô  Ðin€June,€1997,€because€she€was€not€able€to€perform€the€work.Ð pÀ ÐÌÔ  ÔÓ  Óò òANALYSISó óÐ H˜ ÐÌÓ  Óà  àDr.€Paul€Schwartz,€who€treated€Mary€Alice€Sloan€for€over€two€years,€testified€that€sheÐ  p Ðretained€a€2€percent€permanent€partial€impairment€to€the€body€and€placed€permanent€restrictions€onÐ  \ Ðher.€€Dr.€Glen€Barnett€who€saw€Ms.€Sloan€on€two€occasions€opined€that€she€did€not€sustain€anyÐ øH Ðpermanent€injury€but€stated€that€she€needed€future€medical€treatment€for€her€injury.€€Dr.€RobertÐ ä4 ÐBarnett€assessed€10€percent€permanent€impairment€to€the€body€as€a€whole€in€accordance€with€theÐ Ð  ÐAMA€Guides€and€a€20€percent€permanent€impairment€to€the€body€in€accordance€with€the€OrthopedicÐ ¼  ÐGuidelines.Ð ¨ø ÐÌà  àWhen€medical€testimony€differs,€it€is€within€the€discretion€of€the€trial€judge€to€determineÐ €Ð Ðwhich€expert€testimony€to€accept.€€òòÔ_ÔKellermanÔ_Ô€v.€Food€Lion,€Inc.,€óó929€Ô_ÔS.W.Ô_Ô€2d€333,335€(Tenn.€1996);Ð l¼ ÐòòJohnson€v.€Ô_ÔMidwescoÔ_Ô,€Inc.óó,€801€Ô_ÔS.W.Ô_Ô€2d€804€(Tenn.€1990).Ð X ¨ ÐÌà8  àà8` Ð Ð àWhere€the€issues€involve€expert€medical€testimony€and€the€medicalÐ 0"€  Ðproof€is€contained€in€the€record€by€deposition€as€it€is€in€this€case,€thenÐ #l! Ðthis€Court€may€draw€its€own€conclusions€about€the€weight€andÐ $X" Ðcredibility€of€that€testimony,€since€we€are€in€the€same€position€as€theÐ ô$D # Ðtrial€judge.€€With€these€principles€in€mind,€we€review€the€record€toÐ à%0!$ Ðdetermine€whether€the€evidence€preponderates€against€the€findings€ofÐ Ì&"% Ðthe€trial€court.и'#&` x` x ÐÌòòÔ_ÔKrickÔ_Ô€v.€City€of€Ô_ÔLawrenceburgÔ_Ô,€óó945€Ô_ÔS.W.Ô_Ô€2d€709,712€(Tenn.€1997);€see€also€òòÔ_ÔElmorÔ_Ô€v.€Travelers€Ins.,Ð )à$( Ðóó824€Ô_ÔS.W.Ô_Ô€2d€541,€544€(Tenn.€1992)€(when€testimony€is€presented€by€deposition,€this€Court€is€in€justÐ |*Ì%) Ðas€good€a€position€as€the€trial€court€to€judge€the€credibility€of€those€witnesses.)Ð h+¸&* ÐÔ_Ô‡à  àThe€defendant€challenges€the€amount€of€vocational€disability€assessed€by€the€trial€court.€TheÐ ° Ðextent€of€an€injured€workerððs€disability€is€an€issue€of€fact.€€òòJaske€v.€Murray€Ohio€Mfg.€Co.,€óó750€S.W.Ð œì Ð2d€150,€151€(1988).€€The€Supreme€Court€discussed€a€similar€injury€in€òòWalker€v.€Saturn€óóCorp.,€986Ð ˆØ ÐS.W.2d€204€(Tenn.€1998).€€In€òòWalkeróó,€the€plaintiff€claimed€to€havesuffered€a€work„related€injury€inÐ tÄ Ðboth€her€right€and€left€arms.€€She€received€a€disability€rating€on€her€left€arm€from€medical€providersÐ `° Ðbut€did€not€receive€one€on€her€right€arm.€€Even€though€no€doctor€had€given€the€plaintiff€a€disabilityÐ L œ Ðrating€to€her€right€arm,€the€trial€court€found€that€she€had€suffered€an€85€percent€vocational€disabilityÐ 8 ˆ Ðrating€to€both€arms.€€The€Special€Workerððs€Compensation€Appeals€Panel€of€the€Supreme€CourtÐ $ t Ðreversed€the€award.€€The€Panel€found€that€the€medical€testimony€did€not€support€an€award€ofÐ  ` Ðpermanent€partial€disability€to€the€right€arm€and€modified€the€award€to€the€left€arm.Ð ü L  ÐÌà  àThe€Supreme€Court€reversed€the€Panel€decision€and€reinstated€the€trial€courtððs€award€of€85Ð Ô$  Ðpercent€permanent€disability€to€both€arms.€€The€Court€stated€that:Ð À  ÐÌà8  àà8` Ð Ð àThe€Panel€correctly€held€that€a€vocational€impairment€is€measured€notÐ ˜è  Ðby€whether€the€employee€can€return€to€her€former€job,€but€whetherÐ „Ô  Ðshe€has€suffered€a€decrease€in€her€ability€to€earn€a€living.€€SeeÐ pÀ ÐòòCorcoran,€óó746€S.W.€2d€at€458.€€This€court€stated€inòò€Corcoranóó€that€aÐ \¬ Ðvocational€disability€results€when€ð ðthe€employeeððs€ability€to€earnÐ H˜ Ðwages€in€any€form€of€employment€that€would€have€been€available€toÐ 4„ Ðhim€in€an€uninjured€condition€is€diminished€by€an€injury.ðð€€Id.€at€459.Ð p` x` x ÐÌà8  àà8` Ð Ð àIn€assessing€the€extent€of€an€employeeððs€vocational€disability,€the€trialÐ øH Ðcourt€may€consider€the€employeeððs€skills€and€training,€education,€age,Ð ä4 Ðlocal€job€opportunities,€anatomical€impairment€rating,€and€herÐ Ð  Ðcapacity€to€work€at€the€kinds€of€employment€available€in€her€disabledÐ ¼  Ðcondition.€€Further,€the€claimantððs€own€assessment€of€her€physicalÐ ¨ø Ðcondition€and€resulting€disabilities€cannot€be€disregarded.€€The€trialÐ ”ä Ðcourt€is€not€bound€to€accept€physiciansðð€opinions€regarding€the€extentÐ €Ð Ðof€the€plaintiffððs€disability,€but€should€consider€all€the€evidence,€bothÐ l¼ Ðexpert€and€lay€testimony,€to€decide€the€extent€of€an€employeeððsÐ X ¨ Ðdisability.ÐD!”` x` x ÐÌòòà  àà ` àWalker,€óó986€S.W.€2d€at€207„08.Ð #l! ÐÌÔ  ÔÓ  Óò òCONCLUSIONó óÐ ô$D # ÐÓ  ÓÌà  àAll€the€doctors€agree€that€Mary€Alice€Sloan€suffered€an€injury€and€has€some€limitation.€€TheÐ Ì&"% Ðonly€doctor€that€did€not€give€her€a€permanent€rating€opined€that€she€needed€further€treatment.€€TheÐ ¸'#& Ðplaintiff€testified€regarding€the€impact€the€injury€has€had€on€her€life.€€She€had€to€give€up€the€workÐ ¤(ô#' Ðthat€she€had€been€doing€for€over€twenty„five€(25)€years€as€a€result€of€this€accident.Ð )à$( ÐÌà  àWe€find€that€the€trial€court€properly€applied€the€relevant€factors€in€determining€the€Ô_ÔamountÐ h+¸&* Ðof€vocational€disability€suffered€by€the€plaintiff.€€We€find€that€the€evidence€does€not€preponderateÐ ° Ðagainst€the€judgment€of€the€trial€court.Ð œì ÐÌà  àThe€judgment€of€the€trial€court€is€affirmed.€€The€costs€of€this€appeal€are€taxed€to€theÐ tÄ Ðdefendant.Ô#†¼Ë »XX‰ŸË #ÔÔ‡X‰ŸX»¼Ë ÔÐ `° ÐÌÌÌà  àà ` àà ¸ àà  àà h àà À àà  à___________________________________€Ð  ` Ðà  àà ` àà ¸ àà  àà h àà À àà  àGEORGE€R.€ELLIS,€Special€JudgeÔ#†¼Ë »XX‰Ÿ†?#ÔÐ ü L  ÐÌÌÐ   \  Ðà@7 7 ìàIN€THE€SUPREME€COURT€OF€TENNESSEEˆÐ ° Ðà@??ìàSPECIAL€WORKERSðð€COMPENSATION€APPEALS€PANELˆÐ  Ðà@''%ìàAT€JACKSONˆÐ Ô$ ÐÌò òÓ  ÓMARY€ALICE€SLOAN€v.€CONTINENTAL€CASUALTY€COMPANYÔ‡X‰ŸX»¼Ë Ôó óÐ øH ÐÓàAÓÌà@· · ìàò òChancery€Court€for€Madison€CountyˆÐ ø H Ðà@--%ìàNo.€€53985ˆÐ ä 4 ÐÌÌà@ìì*ìàßA€V) °°` d€÷E<§` A߈Ð ¨ø  ÐÌà@k k ìàNo.€W1999„00185„Ô_ÔWCÔ_Ô„R3„CV€„€Filed€November€14,€2000ˆÐ £ó  ÐÌßA€V) °°` dE<z` AßÐ {Ë  Ðó óÌà@±±&ìàò òJUDGMENTó óˆÐ vÆ  ÐÌòòóóÌÔ‡X‰ŸXXX‰ŸÔà  àà ` àThis€case€is€before€the€Court€upon€the€entire€record,€including€the€order€of€referralÐ :Š Ðto€the€Special€Workers'€Compensation€Appeals€Panel,€and€the€Panel's€Memorandum€Opinion€settingÐ &v Ðforth€its€findings€of€fact€and€conclusions€of€law,€which€are€incorporated€herein€by€reference;Ð b ÐÌà  àà ` àWhereupon,€it€appears€to€the€Court€that€the€Memorandum€Opinion€of€the€PanelÐ ê: Ðshould€be€accepted€and€approved;€andÐ Ö& ÐÌà  àà ` àIt€is,€therefore,€ordered€that€the€Panel's€findings€of€fact€and€conclusions€of€law€areÐ ®þ Ðadopted€and€affirmed,€and€the€decision€of€the€Panel€is€made€the€judgment€of€the€Court.Ð šê Ѐ€ò òÐ †Ö Ðó óà  àà ` àCosts€on€appeal€are€taxed€to€the€Defendant/Appellant,€Continental€CasualtyÐ r ÐCompany,€for€which€execution€may€issue€if€necessary.Ð ^® ÐÌà  àà ` àIT€IS€SO€ORDERED.Ð 6!†  ÐÌÌÌÔ#†X‰ŸXXX‰ŸaD#ÔÌà  àà ` àà ¸ àà  àà h àà À àà  àPER€Ô_ÔCURIAMÔ_ÔÐ Ò%"!% ÐÌÌà  àà ` àà ¸ àà  àà h àà À àà  àÔ#†¼Ë »XX‰ŸB#Ô