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2019

Reynolds v. Wilcox Truck Line, Inc.

2019 WL 4418285

NOTICE: THIS OPINION HAS NOT BEEN RELEASED FOR PUBLICATION IN THE PERMANENT LAW REPORTS. IT MAY BE SUBJECT TO A MOTION FOR REHEARING OR TRANSFER. IT MAY BE MODIFIED, SUPERSEDED OR WITHDRAWN.
Missouri Court of Appeals, Western District.
Ronald REYNOLDS, Respondent,
v.
WILCOX TRUCK LINE, INC., Appellant.
WD 81969
|
Filed: September 17, 2019
Synopsis
Background: Employer, a trucking company, appealed the decision of Labor and Industrial Relations Commission to award workers’ compensation benefits to claimant, an over-the-road truck driver who was diagnosed with post-traumatic stress disorder (PTSD) after his truck overturned on the interstate, after finding claimant had suffered permanent and total disability, and to award compensation for claimant’s wife’s past nursing services.

Holdings: The Court of Appeals, Hardwick, J., held that:

[1] employer’s appellate brief substantially complied with rule governing contents of appellate briefs;

[2] Court of Appeals would exercise its discretion to consolidate and address multifarious arguments employer made in violation of rule governing content of appellate briefs;

[3] Commission’s finding that claimant suffered permanent and total disability, was not against weight of the evidence;

[4] “nursing” for purposes of determining whether workers’ compensation is due for past nursing services is the varied activities that constitute the duties of a person skilled in caring, including one especially trained to carry out such duties under the supervision of a physician;

[5] past emotional support nursing services wife provided to claimant were compensable under the Workers’ Compensation Act; and

[6] competent and substantial evidence supported Commission’s award for wife’s past emotional support nursing services.

Affirmed.

West Headnotes (20)

[1]
Appeal and Error

Employer’s appellate brief challenging the decision of Labor and Industrial Relations Commission substantially complied with Supreme Court Rule governing contents of appellate briefs, even though its brief did not contain the full and fair version of the facts at issue on appeal, where Court of Appeals was nonetheless able to address the claims presented. Mo. Sup. Ct. R. 84.04(c).
Cases that cite this headnote

[2]
Appeal and Error

The Court of Appeals will not exercise its discretion to dismiss an appeal for technical deficiency under the Supreme Court Rule governing appellate brief requirements unless the deficiency impedes disposition on the merits.
Cases that cite this headnote

[3]
Administrative Law and Procedure

The Court of Appeals’ review of a workers’ compensation award focuses on the decision of the Labor and Industrial Relations Commission and not that of the ALJ.
Cases that cite this headnote

[4]
Workers’ Compensation

Court of Appeals would exercise its discretion to consolidate and address multifarious arguments employer, on challenge to decision of Labor and Industrial Relations Commission’s decision, made within its appellate brief in violation of Supreme Court Rule governing the content of appellate briefs, although such points generally preserved nothing for review and were subject to dismissal. Mo. Sup. Ct. R. 84.04(d).
Cases that cite this headnote

[5]
Workers’ Compensation

For purposes of the Workers’ Compensation claim, “total disability” is defined as the inability to return to any employment and not merely inability to return to the employment in which the employee was engaged at the time of the accident. Mo. Ann. Stat. § 287.020.
Cases that cite this headnote

[6]
Workers’ Compensation

The test for determining whether a workers’ compensation claimant is permanently and totally disabled is whether the worker is able to compete in the open labor market. Mo. Ann. Stat. § 287.020.
Cases that cite this headnote

[7]
Workers’ Compensation

The ability to compete in the open labor market, for determining whether a workers’ compensation claimant is permanently and totally disabled, hinges on whether, in the ordinary course of business, any employer would be reasonably expected to hire the individual given his or her present physical condition. Mo. Ann. Stat. § 287.020.
Cases that cite this headnote

[8]
Workers’ Compensation

Labor and Industrial Relations Commission’s finding that claimant, an over-the-road truck driver who was diagnosed with post-traumatic stress disorder after his truck overturned on the interstate, suffered permanent and total disability, was not against weight of the evidence; psychologist and vocational rehabilitation consultant determined that claimant was unable to compete in the open labor market, evidence showed that even while working on his son’s farm, claimant’s capacity for work was limited at best, he needed to be supervised at nearly every step, and his diminished capacity often made work a source of grave danger, and that claimant was no longer capable of engaging in non-transportation related employment for which he was capable of before. Mo. Ann. Stat. § 287.020.
Cases that cite this headnote

[9]
Workers’ Compensation

Labor and Industrial Relations Commission is not prevented from finding that a workers’ compensation claimant is permanently and totally disabled simply because he or she holds limited, sporadic, and/or highly accommodated employment. Mo. Ann. Stat. § 287.020.
Cases that cite this headnote

[10]
Workers’ Compensation

A workers’ compensation claimant need not be completely inert or inactive to qualify as permanently and totally disabled. Mo. Ann. Stat. § 287.020.
Cases that cite this headnote

[11]
Workers’ Compensation

Where the right to workers’ compensation depends upon which of two conflicting medical theories should be accepted, the issue is peculiarly for the Labor and Industrial Relations Commission’s determination.
Cases that cite this headnote

[12]
Workers’ Compensation

When determining entitlement to workers’ compensation, where the evidence would warrant either of two opposed medical findings, the Court of Appeals is bound by the Labor and Industrial Relations Commission’s decision, and it is irrelevant that there is supportive evidence for the contrary finding.
Cases that cite this headnote

[13]
Workers’ Compensation

A workers’ compensation issue appropriate for, but not addressed with the Labor and Industrial Relations Commission cannot be litigated on appeal.
Cases that cite this headnote

[14]
Workers’ Compensation

Employer failed to preserve for appellate review its claim that Labor and Industrial Relations Commission improperly relied on psychologist’s opinion that additional psychological testing on workers’ compensation claimant would be harmful as both a sword to prove his claim of disability and a shield to prevent further testing by neuropsychologist, where ALJ twice found that claimant was justified in refusing to comply with employer’s request to submit to a second neurological examination, and it did not raise the issue for Commission to review.
Cases that cite this headnote

[15]
Statutes

Strict construction of a statute requires that the scope of the statute not be extended beyond its literal meaning and that the statute not be unreasonably interpreted.
Cases that cite this headnote

[16]
Statutes

The rule of strict construction does not mean that the statute shall be construed in a narrow or stingy manner, but it means that everything shall be excluded from its operation which does not clearly come within the scope of the language used; the clear, plain, obvious or natural import of the language should be used, and the statutes should not be applied to situations or parties not fairly or clearly within its provisions.
Cases that cite this headnote

[17]
Workers’ Compensation

“Nursing” for purposes of determining whether an award of workers’ compensation is due for past nursing services is the varied activities that constitute the duties of a person skilled in caring for and waiting on the infirm, the injured, or the sick, which could include one especially trained to carry out such duties under the supervision of a physician; the individual offering the services does not need licensure or formal education. Mo. Ann. Stat. § 287.140.1.
Cases that cite this headnote

[18]
Statutes

Where a statute is amended only in part, or as respects only certain isolated and integral sections thereof and the remaining sections or parts of the statute are allowed and left to stand unamended, unchanged, and apparently unaffected by the amendatory act or acts, it is presumed that the Legislature intended the unamended and unchanged sections or parts of the original statute to remain operative and effective, as before the enactment of the amendatory act.
Cases that cite this headnote

[19]
Workers’ Compensation

The past emotional support nursing services wife provided to claimant, an over-the-road truck driver who was diagnosed with post-traumatic stress disorder (PTSD) after his truck overturned on the interstate, were compensable under the Workers’ Compensation Act; wife managed claimant’s medications and monitored his health for adverse drug reactions, communicated with his caregivers, remained with claimant during the day to prevent accidents or a psychological crisis, used guided imagery and deep breathing exercises to calm him after panic attacks, and after employer denied claimant’s request for nursing care, it became necessary for wife to reduce, and eventually abandon, her outside employment to provide the services necessary to care for claimant. Mo. Ann. Stat. § 287.140.1.
Cases that cite this headnote

[20]
Workers’ Compensation

Competent and substantial evidence supported Labor and Industrial Relations Commission’s award to workers’ compensation claimant for wife’s past emotional support nursing services after claimant, an over-the-road truck driver who was diagnosed with post-traumatic stress disorder (PTSD) after his truck overturned on the interstate; care consultant testified that claimant was in need of care and that it was exceedingly difficult to determine the exact amount of time a person would spend providing nursing services to claimant because his condition waxed and waned in terms of severity on a day-to-day basis, and Commission determined that it was only during bad days that wife was required to provide nursing services and bad days were occurring, on average, three times per week. Mo. Ann. Stat. § 287.140.1.
Cases that cite this headnote

APPEAL FROM THE LABOR AND INDUSTRIAL RELATIONS COMMISSION
Before Division One: Victor C. Howard, Presiding Judge, Lisa White Hardwick and Gary D. Witt, Judges
Opinion

Lisa White Hardwick, Judge

*1 Wilcox Truck Line, Inc. and its insurer Accident Fund Insurance Company of America (“collectively, Employer”) appeal the decision of the Labor and Industrial Relations Commission (“Commission”) awarding workers’ compensation benefits to employee Ronald Reynolds. Employer raises two points on appeal: 1) the Commission’s award was erroneous because there was insufficient evidence that Reynolds was permanently and totally disabled as a result of his injury; and 2) the Commission erred in awarding Reynolds’s wife (“Wife”) compensation for past nursing services because she provided services that would typically be provided by a spouse. For reasons explained herein, we find no error and affirm.

FACTUAL AND PROCEDURAL HISTORY1
[1] [2]On July 17, 2007, Reynolds was driving his regular route between Tennessee and Iowa as an over-the-road trucker for Wilcox Truck Line, Inc. As he traveled through a construction area on Interstate 35, Reynolds’s tractor-trailer made contact with a concrete barrier before crossing over and striking a guardrail and a road sign on the other side of the road. The tractor-trailer overturned and slid against the road on its passenger side until coming to a rest in the middle of the roadway. Reynolds kicked out the windshield to escape the wreckage, as the tractor-trailer caught fire and burned. Reynolds was transported to a hospital but was released later that day with directions to see a local doctor after medical providers determined that, in his extremely agitated state, he was a greater danger to himself within the hospital than at home.

Immediately after Reynolds returned home, he experienced sleep disturbances which Wife described as “[e]very time he closed his eyes to [sleep] he would wake up yelling.” Employer directed Reynolds to seek treatment at the local urgent care clinic. Wife conscripted the assistance of her sons to get Reynolds into the family truck because he refused to enter a moving vehicle. After a few examinations by urgent care providers, Reynolds was diagnosed with post-traumatic stress disorder (PTSD) and referred to licensed clinical social worker Anne Heselton for further consultation. Heselton subsequently concluded that Reynolds met the diagnosis criteria for acute stress disorder because:
he has been exposed to a traumatic event in which he experienced injury and a threat to his physical integrity and his response involved intense fear, helplessness, and horror; he has had some dissociative symptoms; he is persistently reexperiencing the trauma through thoughts and dreams and is distressed when exposed to reminders of the traumatic event; he is avoiding stimuli that arouse recollections of the trauma; he has marked symptoms of anxiety and increased arousal (difficulty sleeping, irritability); the symptoms are causing clinically significant distress; the symptoms have lasted for 9 days and occurred within 4 weeks of the traumatic event; and the symptoms are not due to the direct physiological effects of a substance, a general medical condition, Brief Psychotic Disorder, or another Axis I or Axis II disorder.

*2 In September 2007, Dr. Elizabeth Bhargava became Reynolds’s treating psychiatrist. Upon diagnosing Reynolds with PTSD, she increased his Prozac dosage and prescribed another medication to assist with his continued sleep disturbances. She referred him to a neuropsychologist, Dr. Steven Akeson for further therapy in October 2007. Dr. Akeson noted improvement after a few sessions and reported Reynolds was “very motivated to return to work[,]” and that his prognosis was excellent despite recent episodes of depression and anxiety. Dr. Bhargava subsequently cleared Reynolds for a trial period of over-the-road truck driving as long as he carefully monitored the effects of his prescribed sleep aid and kept his driving to the daylight hours. In therapy progress notes, Dr. Akeson outlined a potential return plan that would start with co-driver trips to Memphis and progress to occasional, unassisted trips before a full return to duty at some point in May 2008.

Upon his return to work, Reynolds reported that his confidence increased with each trip made with a co-driver. He noted some symptoms of anxiety when crossing through construction zones but was able to manage the symptoms. Reynolds eventually began driving solo trips to Memphis, which continued until April 27, 2008. On that day, Reynolds called his Wife after witnessing a “bad accident” on the road. Reynolds said he was sorry that he didn’t stop but the accident involved a family and he just “had to get on around it[.]” He asked Wife to pick him up at his truck drop-off location at 5:00 p.m.

Wife was unable to get Reynolds to exit the truck or unlock the cab door when he arrived at the drop-off location. She went to the passenger side and eventually convinced Reynolds to unlock the driver’s side door. However, Reynolds refused to get out of the truck and had to be physically removed by Wife with the assistance of another trucker. Reynolds has not returned to work since this incident.

On November 8, 2008, Dr. Dale Halfaker, a neuropsychologist, conducted an evaluation of Reynolds based on DAPS2 testing and a review of his medical records. Dr. Halfaker diagnosed Reynolds with PTSD and rated its effect as a permanent 10% partial disability. Further, Dr. Halfaker opined that Reynolds had reached a maximum level of psychological improvement and that he could return to work without psychological restrictions.

On November 11, 2010, Dr. Stanley Butts evaluated Reynolds at the request of Reynolds’s counsel. Dr. Butts diagnosed Reynolds with PTSD and major depressive disorder resulting from the 2007 tractor-trailer accident. He rated Reynolds as permanently and totally disabled, noting specifically that he was unable to engage in meaningful, gainful employment as a result of the PTSD. Dr. Butts recommended continued use of medication and therapy.

Reynolds also engaged Gary Weimholt, a vocational rehabilitation consultant, to perform a vocational evaluation based upon review of medical records, letters and notes completed by Wife, and deposition testimony. Weimholt opined that Reynolds would not be able to return to employment as a truck driver. Further, Weimholt concluded that no employer would hire Reynolds because of “the mental health problems that he has associated with [PTSD] that have been documented in the file.”

Dr. Jennifer Lynch of the Ferell-Duncan Clinic conducted an Employer-requested mental examination of Reynolds on July 24, 2015. Dr. Lynch’s diagnoses were REM sleep behavior disorder, depression, chronic insomnia, and PTSD. Dr. Lynch found no evidence of progressive cognitive decline but recognized that Reynolds was clearly suffering from impaired cognition and symptoms consistent with PTSD and depression. Dr. Lynch observed that previous evaluations had reported a significant decline from prior to the accident. Accordingly, Dr. Lynch recommended continuing the present care plan but suggested a few modifications to Reynolds’s medication regimen.

*3 The Commission heard testimony about Reynolds’s declining mental and physical abilities after the accident. Prior to his injury, family members described him as a sharp man who was good with numbers and proficient at maintaining vehicles and other farming implements. Further, he raised over a hundred head of cattle and hogs as well as six horses. Post-injury, he was unable to work as efficiently, needing both constant supervision and far more time to complete even simple activities.

On March 23, 2011, Reynolds requested nursing services related to his injuries, but Employer refused to provide the services. Wife initially reduced her work hours outside the home to care for Reynolds. Based on Reynolds’s declining condition, Wife eventually abandoned her outside employment entirely to care for him. Victoria Powell, a nurse and care consultant, concluded that Reynolds needed sixteen to twenty hours of daily home care for “maintenance, safety, and well-being.”

Reynolds sought workers’ compensation for his injuries. Following a final hearing, the Administrative Law Judge (“ALJ”) determined that, as of November 20, 2014, Reynolds was permanently and totally disabled because of his work-related PTSD and depression. The ALJ denied Reynolds’s request for past nursing services performed by Wife, determining that “[Wife] does not provide constant care for [Reynolds],” and that “the services she provides to [Reynolds] are primarily services ordinarily provided by a wife to a husband.” Both parties requested the Commission to review the award. The Commission subsequently affirmed the finding of permanent and total disability, but partially reversed the ALJ’s decision and awarded Reynolds compensation for Wife’s past nursing services. Employer appeals.

STANDARD OF REVIEW
[3]Our review of a workers’ compensation award focuses on the decision of the Commission and not that of the ALJ.3 Glasco v. Treasurer of State—Custodian of Second Injury Fund, 534 S.W.3d 391, 397 (Mo. App. 2017). We will not disturb the Commission’s award unless the Commission acted in excess of its powers, the award was procured by fraud, the facts found by the Commission do not support the award, or there was not sufficient competent evidence in the record to support the award. § 287.495.1.4 In deciding whether there was sufficient competent and substantial evidence to support the Commission’s award, we examine the evidence in the context of the whole record. Hampton v. Big Boy Steel Erection, 121 S.W.3d 220, 222-23 (Mo. banc 2003). “An award that is contrary to the overwhelming weight of the evidence is, in context, not supported by competent and substantial evidence.” Id. at 223.

The Commission’s determinations of law are reviewed de novo. Lincoln Univ. v. Narens, 485 S.W.3d 811, 815 (Mo. App. 2016). We must, however, “defer to the commission’s findings on issues of fact, the credibility of the witnesses, and the weight given to conflicting evidence.” Malam v. State, Dept. of Corrs., 492 S.W.3d 926, 928 (Mo. banc 2016).

ANALYSIS

I. The Award of Permanent and Total Disability is Supported by Substantial and Competent Evidence
*4 [4]In Point I, Employer asserts that the Commission erred, as a matter of law, in finding that Reynolds was permanently and totally disabled as a result of work-related PTSD. In support of the point relied on, Employer offers several arguments that fall into two categories: (1) allegations of error arising from the Commission’s failure to take into account Reynolds’s conduct post-accident; and (2) allegations of error arising from the Commission’s failure to properly evaluate expert testimony presented by the parties.5

A. Allegations of Error Arising from Reynolds’s Conduct
Employer argues that the Commission’s finding of permanent and total disability was against the overwhelming weight of the evidence based on the following factors: (1) Reynolds returned to work after initially being diagnosed with PTSD; (2) Reynolds continues to perform various farm duties in connection with a cattle-raising operation; (3) Reynolds’s inability to operate a truck does not render him incapable of any employment; and (4) Reynolds has not sought any employment outside his farm since April 2008. In citing these factors, Employer’s overarching contention is that there was no evidence that Reynolds has been shut out of the entire open labor market.

[5] [6] [7]“Under section 287.020, the term ‘total disability’ is defined as the inability to return to any employment and not merely … inability to return to the employment in which the employee was engaged at the time of the accident.” Scott v. Treasurer of State—Custodian of Second Injury Fund, 417 S.W.3d 381, 386 (Mo. App 2014) (internal citation and quotations omitted). It is well established that the test for determining whether a claimant is permanently and totally disabled “is whether the worker is able to compete in the open labor market.” Molder v. Mo. State Treasurer, 342 S.W.3d 406, 411 (Mo. App. 2011) (citing Treasurer v. Cook, 323 S.W.3d 105, 110 (Mo. App. 2010)). “The ability to compete in the open labor market hinges on whether, in the ordinary course of business, any employer would be reasonably expected to hire the individual given his or her present physical condition.” Archer v. City of Cameron, 460 S.W.3d 370, 375 (Mo. App. 2015).

[8]Employer’s four contentions related to Reynolds’s post-accident conduct essentially assert a single allegation—that the Commission failed to adequately consider facts that demonstrate that Reynolds is not permanently and totally disabled. These contentions fail for a multitude of reasons.

[9]First, Employer argues that Reynolds chose to voluntarily retire due to “some psychological difficulties in driving a truck.” This contention is rebutted by the Commission’s factual and credibility determinations—to which we are bound. See Malam, 492 S.W.3d at 928. The Commission relied on evidence from Dr. Butts and Weimholt in determining that Reynolds was unable to compete in the open labor market. The mere fact that Reynolds returned to work for a trial period does not defeat his claim for compensation as “Missouri courts have made clear that the Commission is not prevented from finding that a claimant is permanently and totally disabled simply because he or she holds limited, sporadic and/or highly accommodated employment.” Molder, 342 S.W.3d at 412.

*5 [10]Second, Employer argues that Reynolds is not permanently and totally disabled because he is engaged in a cattle-raising operation that involves “operating tractors, feeding the livestock, and bush hogging pastures.” The record, under even the most charitable of readings, does not support Employer’s contention. Reynolds stated that he assisted his son in raising approximately eighteen head of cattle and several companion horses. These activities occasionally required Reynolds to fix a fence or clear a pasture with a bush hog. When pressed, however, Reynolds described his work as “piddling”—a characterization supported by Reynolds’s family members, all of whom stated that his capacity for work was limited at best, that he needed to be supervised at nearly every step, and that his diminished capacity often made this farm work a source of grave danger. The Commission adopted the ALJ’s “exhaustive” recitation of the testimony from Reynolds’s family as competent and substantial evidence supporting Reynolds’s contention that he was permanently and totally disability. A claimant need not be completely inert or inactive to qualify as permanently and totally disabled. Archer, 460 S.W.3d at 376.

Third, Employer asserts that Reynolds has many talents and a wealth of experience that would allow him to find employment in nearly any field outside “transportation employment.” Employer contends that the record demonstrates that Reynolds “has farmed his entire life including cattle raising, has had employment as an auctioneer, has had a business buying and selling cattle, and is mechanically inclined on and off his farm (including motor vehicle repair, welding, and general laborer).” While the record demonstrates that Reynolds has engaged in those practices, the Commission also determined that—since the accident—Reynolds is no longer capable of engaging in any of those potential occupations. For that reason, Employer’s third argument must fail.

Fourth, Employer alleges that Reynolds has not sought any employment outside his farm since April 2008 and therefore the Commission was not presented with any evidence that Reynolds lacks access to the open market. This contention, however, ignores the wealth of evidence discussed supra and Weimholt’s report, wherein he stated:
In conclusion, it is my opinion that [Reynolds] has a total loss of access to the open competitive labor market and is totally vocationally disabled from employment. It is my opinion that there is no reasonable expectation that an employer, in the normal course of business, would hire [Reynolds] for any position, or that he would be able to perform the usual duties of any job that he has been or is qualified to perform.
The Commission was free to—and did—find that this evidence credibly demonstrated that Reynolds was permanently and totally disabled. Accordingly, we reject Employer’s claim that the Commission’s finding of permanent and total disability failed to account for Reynolds’s post-accident conduct.

B. Allegations of Error Arising from Expert Testimony
In the second group of arguments challenging the award of permanent and total disability, Employer contends that the Commission failed to properly evaluate the parties’ expert testimony because: (1) no treating physician or healthcare provider offered an opinion that Reynolds cannot hold employment; (2) Reynolds relied almost exclusively on the opinion of his retained expert, Dr. Butts, to support his claim of permanent total disability; (3) Employer’s expert, Dr. Halfaker, was prevented from completing a second examination of Reynolds; and (4) Reynolds failed to prove that any reported cognitive deficits were caused by the accident.

[11] [12]Employer primarily assigns error to the Commission’s reliance on Dr. Butt’s opinion over that of Dr. Halfaker. These arguments are a thinly disguised invitation to disregard the Commission’s assessment of the medical opinions in the record and make our own assessment, which we cannot do. Dierks v. Kraft Foods, 471 S.W.3d 726, 733 (Mo. App. 2015). “Where the right to compensation depends upon which of two conflicting medical theories should be accepted, the issue is peculiarly for the Commission’s determination.” Id. (citation and quotations omitted). Indeed, where the evidence “would warrant either of two opposed findings,” we are bound by the Commission’s decision, “and it is irrelevant that there is supportive evidence for the contrary finding.” Hornbeck v. Spectra Painting, Inc., 370 S.W.3d 624, 629 (Mo. banc 2012) (citation and quotations omitted). We therefore find no error in the Commission’s decision to accept Dr. Butt’s opinion over that of Dr. Halfaker. See Dierks, 471 S.W.3d at 733.

*6 [13] [14]Employer further suggests that Reynolds improperly relied on Dr. Butt’s opinion—that additional psychological testing would be harmful—as both a sword to prove his claim of disability and a shield to prevent further testing by Dr. Halfaker. The ALJ twice found that Reynolds was justified in refusing to comply with Employer’s request to submit to a second neurological examination due to credible concerns that further evaluations would be traumatic and endanger him. Employer has not provided any authority explaining why the ALJ’s ruling was made in error or why we should reverse on this ground when it did not raise this issue for Commission review. “An issue appropriate for, but not addressed with the [C]ommission, cannot be litigated on appeal.” Archer, 460 S.W.3d at 377 (alteration in original) (citations and quotations omitted). Point I is denied.

II. Wife’s Services were Compensable Nursing Services Pursuant to Section 287.140.1
In Point II, Employer asserts that the Commission erred in awarding Reynolds compensation for past nursing services related to tasks completed by Wife. Employer contends Wife provided assistance to Reynolds as a spouse in the usual course of a marriage and her conduct did not qualify as nursing services under Section 287.140.1, which states, in pertinent part:
In addition to all other compensation paid to the employee under this section, the employee shall receive and the employer shall provide such medical, surgical, chiropractic, and hospital treatment, including nursing, custodial, ambulance and medicines, as may reasonably be required after the injury or disability, to cure and relieve from the effects of the injury.

After the administrative hearing, the ALJ ruled that Reynolds was not entitled to compensation for Wife’s services because the services provided by Wife were of a nature “ordinarily provided by a wife to a husband.” The Commission reversed the ALJ’s ruling and awarded Reynolds compensation for past nursing services, finding that the definition of “nursing” under Chapter 287 is broad enough to cover the additional services provided by Wife—even under a strict interpretation of the statute.

In 2005, the General Assembly amended Chapter 287 to require, inter alia, that the provisions of the Worker’s Compensation Law chapter be construed strictly. § 287.800.1. Prior to 2005, however, we routinely held that, a liberal construction of Section 287.140.1 justified requiring an employer to compensate a spouse for providing nursing services. See e.g., Daugherty v. City of Monett, 192 S.W.2d 51, 56-57 (Mo. App. 1946). Courts also cautioned that the compensable services must be beyond those that a spouse would normally offer by virtue of the marital relationship. See id.; see also Stephens v. Crane Trucking, Inc., 446 S.W.2d 772, 781 (Mo. 1969); Groce v. Pyle, 315 S.W.2d 482, 491 (Mo. App. 1958). The prefatory question we must answer prior to addressing the merits of Employer’s second point therefore is whether, under the strict construction mandate of Section 287.800.1, the holdings of these cases are still in effect.

[15] [16]“Strict construction of a statute requires that the scope of the statute not be extended beyond its literal meaning and that the statute not be unreasonably interpreted.” Snyder v. Consol. Library Dist. No. 3, 306 S.W.3d 133, 137 (Mo. App. 2010). However, “[t]he rule of strict construction does not mean that the statute shall be construed in a narrow or stingy manner, but it means that everything shall be excluded from its operation which does not clearly come within the scope of the language used.” Young v. Boone Elec. Coop., 462 S.W.3d 783, 792 (Mo. App. 2015) (internal citations and quotations omitted). “The clear, plain, obvious or natural import of the language should be used, and the statutes should not be applied to situations or parties not fairly or clearly within its provisions.” Id. (internal citations and quotations omitted).

*7 [17]The word “nursing” is not defined within Chapter 287. “In the absence of statutory definitions, the plain and ordinary meaning of a term may be derived from a dictionary, and by considering the context of the entire statute in which it appears.” Kader v. Bd. of Regents of Harris-Stowe State Univ., 565 S.W.3d 182, 187 (Mo. banc 2019) (citation and quotations omitted). Nursing is defined as: (1) “the profession of a nurse”; and (2) “the varied activities that constitute the duties of a nurse.” Nursing, WEBSTER’S THIRD NEW INTERNATIONAL DICTIONARY 1552 (1993). While the dictionary provides several definitions for the term “nurse,” those that could plausibly apply in the context of the Worker’s Compensation Law are: (1) “a person who looks after or gives advice to another”; and (2) “a person skilled in caring for and waiting on the infirm, the injured, or the sick; [specific]: one especially trained to carry out such duties under the supervision of a physician.” Nurse, WEBSTER’S THIRD NEW INTERNATIONAL DICTIONARY 1551 (1993).

With regard to the first definition, if the term “nursing” could be read to include merely looking after someone, then “nursing” would swallow the entirety of Section 287.140.1 and include as compensable many services not contemplated by the legislature. The second definition more directly applies to the provision of medical services for injuries. Therefore, we read “nursing” to mean the varied activities that constitute the duties of a person skilled in caring for and waiting on the infirm, the injured, or the sick; which could include one especially trained to carry out such duties under the supervision of a physician. See id.; see also Nursing, WEBSTER’S THIRD NEW INTERNATIONAL DICTIONARY 1552 (1993).

“In construing a statute, [we] must presume the legislature was aware of the state of the law at the time of its enactment.” Suffian v. Usher, 19 S.W.3d 130, 133 (Mo. banc 2000) (quoting Matter of Nocita, 914 S.W.2d 358, 359 (Mo. banc 1996)). Consequently, “[u]nless a statute clearly abrogates common law by express statement or by implication, the common law stands.” Ahern v. P & H, LLC, 254 S.W.3d 129, 133 (Mo. App. 2008). This is particularly true in areas of “traditional judicial activity,” where we require the General Assembly to make a “positive expression” of its intent to foreclose our previous actions. O’Grady v. Brown, 654 S.W.2d 904, 911 (Mo. banc. 1983) (citation and quotations omitted).

The legislature, in amending Chapter 287, could have chosen to define nursing in any number of ways. See Nursing, WEBSTER’S THIRD NEW INTERNATIONAL DICTIONARY 1552 (1993); see also Nurse, WEBSTER’S THIRD NEW INTERNATIONAL DICTIONARY 1551 (1993). It also could have chosen to abrogate our previous decisions that defined and applied the term. Indeed, the legislature demonstrated that it is perfectly capable of abrogating previous opinions it finds objectionable. See, e.g., § 287.020. Instead, the General Assembly shifted the lens of construction pursuant to Section 287.800.1, without changing the definition of nursing or the focus of Section 287.140.1. Prior to the amendment, the focus of Section 287.140.1 in regard to “nursing” was on the type of service rendered, and not on the individual rendering the service. Nothing in the General Assembly’s statutory amendment has changed that focus. “Statutes are enforced as they are written, not as they might have been written.” Frye v. Levy, 440 S.W.3d 405, 420 (Mo. banc 2014). Put simply, if the shift towards strict construction made any measure of difference in the definition of nursing, it has resulted in a reduction of the types of services contemplated as “nursing” by the statute and not in the categorical abrogation of a spouse’s capacity to provide compensable nursing services. Indeed, neither the text of Section 287.140.1, nor the dictionary-derived definition of nursing indicate that the individual offering the services need licensure or formal education. See Section 287.140.1; see also Nursing, WEBSTER’S THIRD NEW INTERNATIONAL DICTIONARY 1552 (1993)

*8 [18]Section 1.120 offers further support for this construction of Section 287.140.1. It provides: “[t]he provisions of any law or statute which is reenacted, amended or revised, so far as they are the same as those of a prior law, shall be construed as a continuation of such law and not as a new enactment.” § 1.120. This construction is consistent with the general canon of interpretation that in circumstances where “part of a statute is repealed by an amendatory act, the provisions retained are regarded as a continuation of the former law while those omitted are treated as repealed.” Sell v. Ozarks Med. Ctr., 333 S.W.3d 498, 508 (Mo. App. 2011) (internal citation and quotations omitted). As explained by the Missouri Supreme Court:
[W]here a statute is amended only in part, or as respects only certain isolated and integral sections thereof and the remaining sections or parts of the statute are allowed and left to stand unamended, unchanged, and apparently unaffected by the amendatory act or acts, it is presumed that the Legislature intended the unamended and unchanged sections or parts of the original statute to remain operative and effective, as before the enactment of the amendatory act.
Citizens Bank and Tr. Co. v. Dir. of Revenue, 639 S.W.2d 833, 835 (Mo. 1982) (alteration in original) (quoting State ex rel. Dean v. Daues, 321 Mo. 1126, 14 S.W.2d 990, 1002 (Mo. 1929)). Consequently, we must still consider whether Wife’s services were beyond those owed to a spouse by virtue of the marital relationship, and in so doing, ascertain whether the Commission’s award of past nursing services is supported by competent and substantial evidence.

[19]Employer contends that “[t]he crux of what [Wife] has done for [Reynolds] after the accident consists of providing him emotional support when he is feeling down or depressed.” This summation runs contrary to the Commission’s factual findings that Wife managed Reynolds’s medications and monitored his health for adverse drug reactions, communicated with his caregivers, remained with Reynolds during the day to prevent him from “having accidents or from falling into a psychological crisis,” used guided imagery and deep breathing exercises to calm him after panic attacks, and counseled him through “symptoms of withdrawal and avoidance.” Further, after Employer denied Reynolds’s request for nursing care, it became necessary for Wife to reduce, and eventually abandon, her outside employment to provide the services necessary to care for Reynolds.6 Wife’s services met the “nursing” definition of a person skilled in caring for and waiting on the infirm, the injured, or the sick. Additionally, the Commission found “that each of these services were reasonably required to cure and relieve the effects of [Reynolds’s] work injury.” Accordingly, the nursing services provided by Wife are compensable under any reading of Section 287.140.1.

[20]Further, the Commission was careful to distinguish between the hours Wife committed to compensable services and those dedicated to normal spousal activities. In arriving at its award, the Commission stated that Powell credibly testified that Reynolds was in need of care and that it would be exceedingly difficult to determine the exact amount of time a person would spend providing nursing services to Reynolds because his condition waxed and waned in terms of severity on a day-to-day basis. The Commission then determined that it is only during “bad days” that Wife is required to provide nursing services and that the “ratio of good days to bad is rather favorable” with bad days occurring, on average, three times per week. This formulation is consistent with the General Assembly’s focus on the nature of the duties and not the person performing them. Therefore, the Commission’s award of past nursing services is in accordance with the law of Missouri and is supported by competent and substantial evidence. Point II is denied.

CONCLUSION
*9 The Commission’s award is affirmed.

All Concur.
All Citations
— S.W.3d —-, 2019 WL 4418285

Footnotes

1
Reynolds contends that the appeal should be dismissed pursuant to Rule 84.04(c) because Employer’s brief does not contain a full and fair version of the facts at issue in this appeal. While there are technical deficiencies, we find that Employer’s brief substantially complies with the Rule and we are able to address the claims presented. “We will not exercise our discretion to dismiss an appeal for technical deficiency under Rule 84.04 unless the deficiency impedes disposition on the merits.” Emig ex rel. Emig v. Curtis, 117 S.W.3d 174, 177 (Mo. App. 2003) (internal citation and quotations omitted).

2
DAPS is a 104-item comprehensive clinical test for “Detailed Assessment of Post-Traumatic Stress.”

3
The Commission, in modifying the ALJ’s award, stated that the ALJ’s findings were “interspersed throughout a 136-page decision that includes lengthy summaries of the evidence … without accompanying analysis or commentary from the [ALJ] as to how he viewed such evidence.” Based on its reading of Stegman v. Grand River Reg’l Ambulance, 274 S.W.3d 529, 533-34 (Mo. App. 2008), the Commission attached and incorporated the ALJ’s award but also included in its final award a summary of the ALJ’s findings that the Commission affirmed and adopted as its own. Consequently, the Commission’s summary and adoptions will guide our review in any circumstance where the two awards differ.

4
All statutory citations are to RSMo 2000 as in effect at the time of Franklin’s injury, unless otherwise noted.

5
We note that Employer’s point on appeal is multifarious in that it “groups multiple, disparate claims” and thereby fails to comply with Rule 84.04(d). Rouse v. Cuvelier, 363 S.W.3d 406, 419 (Mo. App. 2012). Although such points generally preserve nothing for review and are subject to dismissal, we exercise our discretion to consolidate and address the arguments in two categories.

6
“It might be said in passing that if appellants dislike the idea of compensating claimant for such services when rendered by his wife, they might have exercised their privilege of purchasing them for him in the first instance, from someone in the practical nursing profession.” Stephens, 446 S.W.2d at 781 (citation and quotations omitted).

Illinois Insurance Guaranty Fund v. Priority Transportation, Inc

2019 IL App (1st) 181454-U
UNPUBLISHED OPINION. CHECK COURT RULES BEFORE CITING.
Appellate Court of Illinois, First District,
Fourth Division.
ILLINOIS INSURANCE GUARANTY FUND, Plaintiff-Appellee,
v.
PRIORITY TRANSPORTATION, INC., f/k/a Transit Group, Inc.; TRANSIT GROUP TRANSPORTATION, LLC, a/k/a 1999 TGT Merger Sub, Inc.; TIM WITTE; and ACE INSURANCE COMPANY, Defendants,
(Priority Transportation, Inc., f/k/a Transit Group, Inc.; Transit Group Transportation, LLC, a/k/a 1999 TGT Merger Sub, Inc.; and Ace Insurance Company, Defendants-Appellants).
No. 1-18-1454
|
Order filed September 5, 2019
Appeal from the Circuit Court of Cook County
No. 09 CH 16558
Honorable David B. Atkins, Judge presiding.

ORDER
JUSTICE BURKE delivered the judgment of the court.
*1 ¶ 1 Held: We affirm the circuit court’s grant of the Illinois Insurance Guaranty Fund’s motion for summary judgment and denial of Priority Transportation, Inc., Transit Group Transportation, LLC, and Ace Insurance Company’s motions for summary judgment where, due to a statutory merger, truck driver Tim Witte was covered through Ace Insurance Company’s workers’ compensation insurance policy. We also affirm the circuit court’s denial of Priority Transportation, Inc., Transit Group Transportation, LLC, and Ace Insurance Company’s joint motion to dismiss, as the circuit court was the proper forum for resolution of the issues of this case.

¶ 2 Tim Witte was employed as a truck driver by Fox Midwest Transport, Inc. (Fox Midwest), who from March 1, 1999 until March 1, 2000, had a workers’ compensation policy issued by Fremont Casualty Insurance Company (Fremont). On December 31, 1999, Fox Midwest merged into 1999 TGT Merger Sub, Inc., a subsidiary of Transit Group, Inc., a trucking business, who itself had a workers’ compensation policy issued by Ace Insurance Company (Ace) effective from January 1, 2000 until January 1, 2001. On January 17, 2000, Witte sustained injuries on the job, and later, he filed a workers’ compensation claim. Fremont began paying him benefits until July 2, 2003, when it was involuntarily liquidated by the State of Illinois. Thereafter, the Illinois Insurance Guaranty Fund (Fund), became the provider of benefits to Witte and has provided him benefits ever since.

¶ 3 Several years later, the Fund sued Priority Transportation, Inc. (formerly known as Transit Group, Inc.), Transit Group Transportation, LLC (also known as 1999 TGT Merger Sub, Inc.), Witte and Ace, alleging that, because of the merger, the Transit Group entities were Witte’s employer and they had a workers’ compensation policy covering their employers through Ace. As such, the Fund contended there was other workers’ compensation insurance coverage available to Witte and sought declarations that the Transit Group entities and Ace should be responsible for the benefits paid and payable to Witte as a result of his workplace accident. The Transit Group entities and Ace filed a joint motion to dismiss, arguing that the circuit court lacked subject-matter jurisdiction to entertain the Fund’s claims. Thereafter, the Fund, the Transit Group entities and Ace filed cross-motions for summary judgment. Following a hearing on all of the motions, the circuit court denied the motion to dismiss, finding it had subject-matter jurisdiction to entertain the Fund’s claims. And the circuit court granted the Fund’s motion for summary judgment, and denied the motions for summary judgment of the Transit Group entities and Ace, finding that, because of the merger, Witte was covered under the workers’ compensation insurance policy of the Transit Group entities at the time of his injury.

¶ 4 The Transit Group entities and Ace appealed, contending that the circuit court erred in denying their joint motion to dismiss and their motions for summary judgment, and erred in granting the Fund’s motion for summary judgment. For the reasons that follow, we affirm all of the circuit court’s judgments.

¶ 5 I. BACKGROUND

¶ 6 A. The Illinois Insurance Guaranty Fund
*2 ¶ 7 Before delving into the history of this case, we briefly provide a background about workers’ compensation benefits and the Illinois Insurance Guaranty Fund (Fund). The principal purpose of the Workers’ Compensation Act (Act) (820 ILCS 305/1 et seq. (West 2000)) is to provide financial protection for workers injured during the course and scope of their employment. Cassens Transport Co. v. Industrial Comm’n, 218 Ill. 2d 519, 524 (2006). Pursuant to the goal of protecting workers financially, the Act was written to provide prompt and fair recovery without proof of fault for workers who are accidentally injured in the workplace (Fregeau v. Gillespie, 96 Ill. 2d 479, 486 (1983)), but also to protect employers from the prospects of civil litigation by its employees. Mitsuuchi v. City of Chicago, 125 Ill. 2d 489, 494 (1988). This goal, however, can be frustrated when the workers’ compensation insurer becomes insolvent, cannot provide benefits to an injured worker and no adequate bond has been placed with the Commission.

¶ 8 Due to the possibility of the insolvency of a workers’ compensation insurer, in addition to various other types of insurance providers, the Illinois Insurance Code created the Fund (215 ILCS 5/532 et seq. (West 2000)), which is a nonprofit entity that protects holders of policies issued by insurers who become insolvent “and third-party claimants under those policies, when expected coverage ceases to exist.” Rogers v. Imeri, 2013 IL 115860, ¶ 14. The Fund is not intended to be an independent or collateral source of insurance benefits, but rather it is “ ‘a source of last resort’ whose role as a substitute insurer is subject to certain statutory limitations.” Id. (quoting Illinois Insurance Guaranty Fund v. Farmland Mutual Insurance Co., 274 Ill. App. 3d 671, 673 (1995)). In other words, when a claimant is receiving insurance benefits and his insurer becomes insolvent, the Fund steps into the shoes of the insurer to maintain the position of the claimant. Skokie Castings, Inc. v. Illinois Insurance Guaranty Fund, 2013 IL 113873. ¶ 29. But because the Fund is a source of last resort, a claimant must exhaust all rights he has under any other insurance policy applicable to his claim or loss. 215 ILCS 5/546(a) (West 2000); Hasemann v. White, 177 Ill. 2d 414, 418 (1997).

¶ 9 B. The History of the Case
¶ 10 The following is a history of the parties involved, taken from the documents relied upon by both parties in their cross-motions for summary judgment.

¶ 11 During the late 1990s, Transit Group, Inc., was in the process of acquiring trucking companies across the United States in order to create a nationwide transportation network. According to the deposition of Paul Kostelac, the former vice president of risk management of Transit Group, Inc., to facilitate certain acquisitions, particularly for tax reasons, Transit Group, Inc., would use subsidiary entities to perform the acquisition. Kostelac asserted that the subsidiaries were merely “legal vessel[s]” to effectuate the acquisitions, and the acquisitions would “roll” into Transit Group, Inc., “very rapidly,” as “[g]enerally it just [took] time to get the lawyers together to get the paper completed and get it signed.”

¶ 12 In May 1999, Tim Witte, a truck driver, began working for Fox Midwest and continued working for them into December 1999 when Transit Group, Inc., was in the process of acquiring Fox Midwest through a statutory merger. At this time, Fox Midwest had a workers’ compensation policy through Fremont, which was in effect from March 1, 1999 to March 1, 2000. To facilitate the acquisition of Fox Midwest, Transit Group, Inc., created a subsidiary, 1999 TGT Merger Sub, Inc. (TGT Merger).

¶ 13 According to a “Certificate of Merger of Fox Midwest Transport, Inc. into 1999 TGT Merger Sub, Inc.” dated December 23, 1999, Fox Midwest was a Wisconsin corporation and TGT Merger was a Delaware corporation. The certificate stated that an “Agreement and Plan of Merger” had been approved and the “surviving corporation of the merger” would be TGT Merger.

*3 ¶ 14 In the Agreement and Plan of Merger, there was a section titled “Effect of Merger,” which stated:
“At the conclusion of the Merger, (a) the separate existence of Fox [Midwest] will cease and Fox [Midwest] will be merged with and into [TGT Merger] and [TGT Merger] will be the surviving corporation pursuant to the terms of the Certificate of Merger.”
Another section of the agreement was titled “Rights and Liabilities of Fox [Midwest],” which stated:
“At and after the Merger, without further act or deed, all of the rights, privileges and powers, and all of the property, real, personal and mixed of, and all debts due to Fox [Midwest], as well as all of the things and causes of action belonging to Fox [Midwest] shall be the property of [TGT Merger] as they were the property of Fox ***; all rights of creditors and all liens upon any property of any of the parties hereto shall be preserved, unimpaired, and all debts, liabilities, and duties of the respective parties hereto shall thenceforth attach to [TGT Merger] and may be enforced against it to the same extent as if such debts, liabilities, and duties had been incurred or contracted by it.”
The agreement declared that the merger would become effective just before midnight on December 31, 1999.

¶ 15 Meanwhile, Transit Group, Inc., had its own workers’ compensation policy through Pacific Employers Insurance Company, a company that Ace had acquired. The policy of Transit Group, Inc., commenced on January 1, 2000 and was in effect until January 1, 2001. The policy named “Transit Group, Inc.,” as the insured, but also included multiple “Other Insureds Extension” pages listing several other entities, including “Transit Group Transportation, LLC” as well as other entities that Transit Group, Inc., had acquired during the late 1990s. Fox Midwest’s name was not included as another insured. And the policy covered “TRUCKING IL” as a workplace. According to the policy, the premiums required by Ace were only an estimate and the final premium would “be determined after” the policy period ended “by using the actual, not the estimated, premium basis and the proper classifications and rates that lawfully apply to the business and work covered by this policy.”

¶ 16 On January 17, 2000, Witte was on the job in Illinois, near or in Itasca, when he stepped out of his truck, slipped and fell on ice, which resulted in injuries to his head, knee and shoulder. Following the accident, he filed a workers’ compensation claim with the Illinois Industrial Commission, whose name later changed to the Illinois Workers’ Compensation Commission (Commission), and began receiving compensation from Fremont based on Fox Midwest’s policy.1 Fremont continued to pay Witte workers’ compensation benefits until July 2, 2003, when the company was involuntarily liquidated by the State of Illinois. At this time, the Fund took over as Witte’s benefit provider.

¶ 17 Meanwhile, documentary evidence and deposition testimony demonstrate that Fox Midwest was expressly added to the workers’ compensation policy of Transit Group, Inc., on March 1, 2000.

¶ 18 C. The Complaint
*4 ¶ 19 At issue in this case is the Fund’s amended two-count complaint for declaratory judgment against Priority Transportation, Inc. (formerly known as Transit Group, Inc.), Transit Group Transportation, LLC (also known as TGT Merger) (collectively, the Transit Group entities), Witte and Ace.

¶ 20 According to Count I of the amended complaint, on or before December 31, 1999, Transit Group Transportation, LLC (also known as TGT Merger), was a subsidiary of Priority Transportation, Inc. (formerly known as Transit Group, Inc.). The amended complaint asserted that, on December 31, 1999, Fox Midwest merged into TGT Merger and following the merger, Fox Midwest ceased to exist as a separate corporate entity. The amended complaint alleged that, because there was no entity known as Fox Midwest, Witte was employed by TGT Merger at the time of his January 17, 2000, workplace accident. Count I therefore “demand[ed] judgment against [the Transit Group entities] for declaration that [the Transit Group entities] are responsible” for the workers’ compensation benefits paid to and owed to Witte in connection with his workplace accident.

¶ 21 According to Count II of the amended complaint, on or before December 31, 1999, Ace issued a workers’ compensation policy to Transit Group, Inc., the parent company of TGT Merger. The amended complaint asserted that, after Witte’s January 17, 2000, workplace accident, Fremont, which had issued a workers’ compensation policy to Fox Midwest, began paying out benefits to Witte until Fremont was involuntarily liquidated by the State of Illinois, at which point the Fund began providing Witte benefits. Count II claimed that Transit Group, Inc., and TGT Merger had their own workers’ compensation policy and under the Illinois Insurance Guaranty Fund Act (215 ILCS 5/532 et seq. (West 2000)), that coverage was primary to the coverage provided by the Fund and should have been exhausted prior to the Fund being responsible for Witte’s benefits. Count II therefore “demand[ed] judgment against [the Transit Group entities] and Ace for declaration that [the Transit Group entities] and Ace are responsible” for the workers’ compensation benefits paid to and owed to Witte in connection with his workplace accident.

¶ 22 All of the defendants filed answers. In particular, the Transit Group entities and Ace filed individual answers, through the same attorney, and in response to nearly every allegation in the Fund’s amended complaint, they denied the allegations or asserted that they had insufficient knowledge to either deny or admit the allegations. And in response to the amended complaint’s allegation in Count I that Transit Group Transportation, LLC, was also known as TGT Merger, the Transit Group entities and Ace each answered: “Defendant denies the allegations ***, and demands strict proof thereof.” And in response to the amended complaint’s allegation in Count II that Transit Group Transportation, LLC, was also known as TGT Merger, the Transit Group entities and Ace each answered: “Defendant has insufficient knowledge to either deny or admit the allegations ***, and demands strict proof thereof.”

¶ 23 During discovery, the parties exchanged various documents, including the workers’ compensation policy covering Fox Midwest issued by Fremont and the workers’ compensation policy covering Transit Group, Inc., issued by Ace. In the Fremont policy, there were no change-of-control or anti-assignment provisions relating to the validity of the policy, but there was an endorsement page titled “Notification of Change in Ownership Endorsement.” The endorsement stated that the “experience rating modification factor” may change if there was a change in ownership, defined as “sales, purchases, other transfers, mergers, consolidations, dissolutions, formations of a new entity and other changes provided for in the applicable experience rating plan manual.” The endorsement further required Fox Midwest to notify Fremont within 90 days of any such change or else, Fremont could revise the experience rating modification factor. It is unclear, however, if this endorsement was in effect, as it was never signed, did not contain an effective date and did not have an endorsement number, three things that other endorsements in the Fremont policy had. The Fremont policy required Fox Midwest to make a deposit premium and monthly installment payments.

*5 ¶ 24 Additionally, during discovery, several depositions were held, including Witte’s, who testified that he began working for Fox Midwest in May 1999. He stated that, when he was injured on the job in January 2000 and over the next few months, his understanding was that he was still employed by Fox Midwest. During his deposition, Witte identified several weekly paystubs he received from Fox Midwest. Some of these paystubs were for pay periods ending before January 2000, and these stated that “Fox Midwest Transport, Inc.” was his employer. Additional paystubs were for pay periods after January 2000, including up until the pay period ending on September 3, 2000. All of the paystubs after January 2000 that Witte identified stated that “Fox Midwest Transport, Inc.” was his employer. Witte also identified W-2 tax forms for the 1999 and 2000 tax years, and each W-2 stated his employer was “Fox Midwest Transport, Inc.”

¶ 25 Kostelac, the vice president of risk management for Transit Group, Inc., around 1999-2000, also gave a deposition. He testified that, during the period of time in which his company was acquiring various trucking entities, it would “try to avoid paying for the same policy period” or duplicating workers’ compensation insurance coverage. To this end, Kostelac stated that, when Transit Group, Inc., acquired a new entity, it did not intend for the acquisition date to be the “absolute beginning of that [workers’ compensation] insurance coverage” for the acquisition. During his deposition, Kostelac identified a spreadsheet he had created containing the various companies Transit Group, Inc., acquired during the late 1990s, which included the effective dates of the workers’ compensation insurance for them under the Ace policy. According to Kostelac, the purpose of the spreadsheet was “to determine if [a] claim should fall under [the] existing corporate program or the entity that we acquired and their existing coverage at that time.” Kostelac remarked that, based on the spreadsheet, the effective date of Fox Midwest’s inclusion in the Ace policy was March 1, 2000, “which was insured on a ground-up basis with Ace.”

¶ 26 Although Kostelac could not recall specifics of Fox Midwest’s addition into the Ace policy beyond the documentary evidence, he stated:
“If we had a situation—and I’m not saying this was the case in Fox Midwest, but it might have been—if we had a situation where we acquired a company and within a relatively short time the policy was expiring anyway, why not just let it run its term and be done with it. The premiums have already been paid and so on. So I suspect that’s what we did with Fox Midwest. I don’t know that, but it kind of seems like that’s what we did.”
Kostelac agreed though that, once the merger with Fox Midwest occurred, Fox Midwest legally ceased to exist, but he did not know whether Fox Midwest’s employees became employees of Transit Group, Inc. Kostelac did know that Fox Midwest’s employees continued to be paid by Fox Midwest out of its Green Bay, Wisconsin, office. But he noted that Fox Midwest was subject to the management and mandates of Transit Group, Inc. Kostelac also acknowledged that, in December 2001, Transit Group, Inc., filed for bankruptcy “immediately in the face of [its] insurance renewal” for the subsequent year.

¶ 27 Fred Angley, an account executive with Energy Insurance Brokers in 1999 and 2000, was also deposed. Angley testified that he had a close relationship with Cigna Insurance, which later became Ace and frequently provided clients with Ace insurance policies. Angley’s relationship with Transit Group, Inc., was through a relationship with Duane Williams, a retail insurance broker, of Neace Lukens, who helped Transit Group, Inc., obtain insurance for its trucking business. When Transit Group, Inc., would acquire a new trucking business and when directed by Williams or Kostelac, Angley would add the acquisition as an additional insured to the already in effect workers’ compensation policy. However, Angley stated that this would not necessarily occur on the same date the acquisition occurred. When asked to recall why Fox Midwest was not immediately added to the Ace policy, Angley could not remember exactly why but speculated that it could have been because Fox Midwest was covered by the existing Fremont policy. Angley opined that an entity acquired by Transit Group, Inc., would not be covered by its existing workers’ compensation policy unless the policy was specifically endorsed to cover that new entity. Angley explained that, if a new acquisition was automatically covered by a policy, the insurance provider would be disadvantaged by having liability exposure to an entity it knew nothing about and it would not have received a premium payment to cover the additional risk. However, Angley acknowledged that there were occasions when two policies could overlap with one another and an insured would have two policies covering the same risk.

*6 ¶ 28 During the deposition, Angley identified a fax sent to him on February 18, 2000, by Kostelac, providing payroll data for the 1999 year for several entities under the Transit Group, Inc., umbrella. According to the fax, Kostelac stated “[o]f course Network, KAT, Fox, Priority, R&M and Rainbow did not participate in the Transit Group corporate program.” (Emphasis added.) Angley remarked that he used payroll data to help calculate estimates of insurance renewals. Based on the documentation he reviewed, he agreed that he did not add Fox Midwest to the Ace policy before March 1, 2000.

¶ 29 Additionally, Duane Williams was deposed, and he testified that he helped provide trucking companies with various forms of insurance, including workers’ compensation insurance. He recalled working with Transit Group, Inc., on its workers’ compensation insurance and noted when a new entity needed to be added to its policy, Kostelac would inform him. Williams would compile various data on the new entity, including loss information and payroll information, and provide the data to wholesale insurance brokers, such as Angley. According to Williams, this process would occur months before Transit Group, Inc., actually acquired the new entity, and he believed the Fox Midwest acquisition followed this process. Williams asserted that, when Transit Group, Inc., would acquire a new entity that had an existing workers’ compensation policy in effect, he would delay having the new entity added to the policy of Transit Group, Inc., in order to avoid duplicate coverage. During his deposition, Williams identified a fax he sent to Angley on February 22, 2000, providing Angley with information on a quote from Virginia Surety Company, Inc., for workers’ compensation coverage to Fox Midwest. Williams remarked that he sent this fax likely to get a comparable quote on workers’ compensation insurance from Angley for Fox Midwest.

¶ 30 In the deposition of Peter May, a senior underwriter for Ace, he testified that he could not recall specifically working on the policy of Transit Group, Inc., but had no reason to doubt he did based on an assertion from Angley. After reviewing the policy document covering Transit Group, Inc., May noted that there were handwritten names on an “Other Insureds Extension” page, which he thought was sloppy and indicative of the policy document he reviewed not being the final policy document. May agreed that, based on the document he reviewed, the policy provided workers’ compensation coverage to all Transit Group, Inc., employees “unless they [were] otherwise excepted in [the] policy.” May asserted that, in the normal course of workers’ compensation policies, if Transit Group, Inc., hired a new employee, that employee “would be automatically covered” under the policy. However, May also stated that, “[i]f someone is—a new entity is added, new subdivision—say there’s another purchase for Transit Group—that employee from that new subdivision or company would be added to the policy, that’s correct—part of the policy.” According to May, generally in order to add an entity to a policy during the middle of a policy period, it “wouldn’t be automatic” and his company would “have to know [be]cause we might not want to add it.” May agreed that, if there was an existing policy covering an entity, such as Fox Midwest, at the time of an acquisition, the acquiring entity would not want to add the entity to its existing policy because it would not want double coverage.

¶ 31 According to May, given the possibility of employment fluctuations during a policy period, insurance companies generally required an initial premium, which would be calculated based on various data about the employer, and then the insurance company would audit the final employment numbers after the policy period and adjust the premium based on that information, returning any surplus premium or requiring an additional premium. Lastly, during May’s deposition, he identified an e-mail sent on July 19, 2001, from Mark Cropanese to Pete Wagner informing Wagner that “to the best of [Cropanese’s] knowledge, Fox Midwest was to be added to Transit Group’s WC policies effective [March 1, 2000].” According to May’s recollection, Cropanese worked for Ace, and Wagner was an audit coordinator.

¶ 32 D. Motion to Dismiss
*7 ¶ 33 In January 2018, the Transit Group entities and Ace filed a joint motion to dismiss the Fund’s amended complaint pursuant to section 2-619 of the Code of Civil Procedure (735 ILCS 5/2-619 (West 2000)). They observed that the Fund’s amended complaint sought a determination of liability for Witte’s workers’ compensation benefits, but argued the issue of coverage did not become relevant until it was determined who among the various entities employed Witte at the time of his accident, a question of fact that had to be determined by the Commission. The Fund responded that the issue raised by its amended complaint was not who among the various entities employed Witte at the time of his accident, but rather whether Fox Midwest was even in existence at that time due to it being merged into TGT Merger. The Fund posited that this was a legal question for the circuit court to resolve.

¶ 34 In June 2018, the circuit court denied the motion to dismiss, finding that it had subject-matter jurisdiction in the litigation. The court noted that Witte had already been granted workers’ compensation benefits based in part on a finding that he was employed for purposes of the Act (820 ILCS 305/1 et seq. (West 2000)). As such, the court determined that the Fund’s lawsuit presented collateral questions of law, which involved the construction of the merger agreement and an insurance policy, both appropriate for the court to resolve.

¶ 35 E. Motions for Summary Judgment
¶ 36 Also in January 2018, Ace, the Transit Group entities, and the Fund all filed cross-motions for summary judgment. Ace filed a motion for summary judgment on Count II, arguing that the uncontested evidence showed that Fox Midwest was not covered by the Ace policy on January 17, 2000, when Witte had his workplace accident. Ace highlighted multiple exhibits produced during the depositions, including: (1) the spreadsheet Kostelac created, which showed the effective date for covering Fox Midwest on the Ace policy of March 1, 2000; (2) the fax Kostelac sent to Angley on February 18, 2000, wherein Kostelac stated “[o]f course *** Fox *** did not participate in the Transit Group corporate program;” and (3) the Ace policy that showed various trucking entities acquired by Transit Group, Inc., as other named insureds, but not Fox Midwest. Ace further pointed to the deposition testimony of Kostelac, Williams, Angley and May, in which they all indicated that Fox Midwest was added to the Ace policy on March 1, 2000, the same date that the Fremont policy ended, to avoid duplicate insurance coverage. Ace asserted that there was no genuine issue of material fact that Witte was an employee of Fox Midwest on January 17, 2000, and the Fremont policy covered him on that date. Ace contended that, because there was no evidence Fox Midwest was added to its policy prior to March 1, 2000, and no evidence that any premium was collected to cover Fox Midwest, it was entitled to summary judgment.

¶ 37 In the Transit Group entities’ motion, they argued that they were entitled to summary judgment on Count I because Witte was indisputably an employee of Fox Midwest on January 17, 2000, and covered by the Fremont policy issued to Fox Midwest. The Transit Group entities highlighted Witte’s deposition testimony, wherein he testified that he was employed by Fox Midwest at the time of his accident, and also highlighted his paystubs and tax forms which showed that Fox Midwest was Witte’s employer at the time of his accident and well after the accident. The Transit Group entities noted the amended complaint’s allegation that Witte was an employee of TGT Merger at the time of his workplace accident, but asserted that there was no evidence to support any contract for hire between Witte and TGT merger. They also argued that they were entitled to summary judgment on Count II, making the same arguments made by Ace in its motion for summary judgment on Count II.

*8 ¶ 38 In the Fund’s motion, it contended it was entitled to summary judgment on both counts of its amended complaint, arguing that once Fox Midwest merged into TGT Merger, Fox Midwest became a part of the Transit Group enterprise. According to the Fund, following the merger, Fox Midwest ceased to exist and was legally a part of the Transit Group enterprise. Although the Fund acknowledged the Fremont policy, it asserted that, because the named insured under that policy was Fox Midwest and Fox Midwest no longer legally existed, the policy did not cover Witte’s workplace accident. Rather, the Fund asserted that, because Witte was an employee of the Transit Group enterprise, which had the Ace policy in effect, the Ace policy covered Witte’s accident. The Fund therefore argued that the circuit court should declare the Ace policy primarily responsible for Witte’s workers’ compensation benefits. Alternatively, the Fund argued that both the Ace policy and the Fremont policy covered Witte’s accident, and under the doctrine of equitable contribution, the policies were concurrent and insured the same risks. The Fund therefore argued in the alternative that the circuit court should declare both Fremont and Ace were responsible for Witte’s workers’ compensation benefits, and declare the payments to be equally divided.

¶ 39 Following briefing on the summary judgment motions, the circuit court held a hearing. Although the record on appeal does not include a report of proceeding of the hearing, the circuit court’s order disposing of the cross-motions for summary judgment indicated that the court “generally inquired” about the relationships between the Transit Group entities at the time of Witte’s accident. According to the order, the Fund “asserted that all of the relevant entities had merged into Transit Group, Inc. as of January 17, 2000” and neither the Transit Group entities nor Ace “objected to nor attempted to clarify the contention and the court takes it as true.” With this assertion taken as true and in light of the evidence supporting the cross-motions for summary judgment, the court granted the Fund’s motion for summary judgment. The court determined that, on the date of Witte’s injury, Fox Midwest “no longer existed” as it had “been entirely subsumed into the Transit Group, Inc.,” who inherited “all rights, responsibilities, and liabilities of Fox Midwest,” including the employment of Witte. As such, the court found Witte employed by Transit Group, Inc., as a matter of law on the date of his accident. Furthermore, the court observed that Transit Group, Inc., was the named insured on the Ace policy and thus, declared that the Ace policy covered Witte’s workplace accident. Given these findings, the court also denied the motions for summary judgment of Ace and the Transit Group entities.

¶ 40 The Transit Group entities and Ace subsequently appealed the circuit court’s rulings on their joint motion to dismiss as well as the cross-motions for summary judgment.

¶ 41 II. ANALYSIS

¶ 42 A. Motion to Dismiss
¶ 43 The Transit Group entities and Ace first contend that the circuit court erred when it denied their joint motion to dismiss where the question of what entity employed Witte at the time of his accident was a factual one that should have been decided by the Commission.

¶ 44 A motion to dismiss brought under section 2-619 of the Code of Civil Procedure (735 ILCS 5/2-619 (West 2000)) admits the legal sufficiency of the plaintiff’s complaint, but asserts that an affirmative matter defeats the claim. Smith v. Vanguard Group, Inc., 2019 IL 123264, ¶ 9. One such affirmative matter is that the circuit court does not have subject-matter jurisdiction of the case. 735 ILCS 5/2-619(a)(1) (West 2000); People ex rel. Madigan v. Burge, 2014 IL 115635, ¶ 18. We review a section 2-619 motion to dismiss de novo. Smith, 2019 IL 123264, ¶ 9.

¶ 45 The Transit Group entities and Ace base their subject-matter jurisdiction argument in part on section 18 of the Act, which states that “[a]ll questions arising under this Act, if not settled by agreement of the parties interested therein, shall, except as otherwise provided, be determined by the Commission.” 820 ILCS 305/18 (West 2000). Despite this provision of the Act, the circuit court may still have jurisdiction to resolve certain workers’ compensation matters. In Employers Mutual Companies v. Skilling, 163 Ill. 2d 284, 287 (1994), our supreme court determined that section 18 of the Act was insufficient to divest the circuit court of jurisdiction over all issues involving workers’ compensation. Because of this, a court must determine whether an issue involving workers’ compensation is reserved exclusively for the Commission or whether the circuit court and the Commission hold concurrent jurisdiction over the issue. Id. at 286. And, if concurrent, a court must decide which forum has paramount jurisdiction. Id.

*9 ¶ 46 While generally, Illinois courts have original jurisdiction over all justiciable matters (Ill. Const. 1970, art. VI, § 9), the legislature may vest exclusive original jurisdiction in an administrative agency “when it has explicitly enacted a comprehensive statutory administrative scheme.” Hastings Mutual Insurance Co. v. Ultimate Backyard, LLC, 2012 IL App (1st) 101751, ¶ 31. As a result, because of the Act, the circuit court has “no original jurisdiction over workers’ compensation proceedings, wherein benefits are determined, under the Act.” Hartlein v. Illinois Power Co., 151 Ill. 2d 142, 158 (1992); see also Bradley v. City of Marion, 2015 IL App (5th) 140267, ¶ 25 (where the issue concerned the plaintiff’s entitlement to workers’ compensation benefits and the defendants’ defenses to the plaintiff’s claim, those issues fell “squarely within the purview of the Commission’s exclusive jurisdiction”). And in these situations, a party must pursue and exhaust all administrative remedies before looking for review in the courts. Skilling, 163 Ill. 2d at 288.

¶ 47 In this case, the Fund’s declaratory judgment action does not involve an issue about whether Witte is entitled to workers’ compensation benefits. Importantly, it has already been adjudicated that Witte was entitled to such benefits and he has received those benefits. The primary issue here concerns the legal effect of Fox Midwest’s merger into TGT Merger as it relates to workers’ compensation insurance policies, which broadly may be deemed questions of corporate and contract law. See Continental Western Insurance Co. v. Knox County EMS, Inc., 2016 IL App (1st) 143083, ¶¶ 21, 29 (where question in litigation concerned “how the financial burden to pay [a claimant’s] workers’ compensation award, if any, will be distributed,” the dispute was one “of contract interpretation” and not within the exclusive jurisdiction of the Commission). Thus, the Commission does not have exclusive jurisdiction over this dispute.

¶ 48 Where the Commission does not have exclusive jurisdiction over an issue related to workers’ compensation, the Commission and the circuit court hold concurrent jurisdiction. Skilling, 163 Ill. 2d at 287. In these instances, we must examine the relationship between the circuit court and the administrative agency relative to the issue involved. Id. at 288. That is to say, even if the circuit court has jurisdiction to hear a matter, the administrative agency may be a better forum to resolve the matter given its specialized and technical expertise. Id. 288-89. In such cases, primary jurisdiction would lie with the administrative agency such that the circuit court should “stay the judicial proceedings pending referral of a controversy, or some portion of it, to an administrative agency having expertise in the area.” Id. at 288.

¶ 49 Under these principles, this is not a case where the primary jurisdiction lies with the Commission. The critical issue before us—the legal effect of Fox Midwest’s merger into TGT Merger as it relates to workers’ compensation insurance policies—presents questions of corporate and contract law. While workers’ compensation law is tangentially related to the issue at hand, this case does not require a detailed examination of the Act or any other matter where specialized and technical expertise in workers’ compensation law is required. As such, given the questions of corporate and contract law involved, this declaratory judgment action was properly resolved by the circuit court. See id. at 289.

¶ 50 In reaching this conclusion, we find the Transit Group entities and Ace’s reliance on Keating v. 68th & Paxton, L.L.C., 401 Ill. App. 3d 456 (2010) unpersuasive. In Keating, the plaintiff fell and injured himself while working on a porch of an apartment building. Id. at 458. He sued the owner of the building and the property management company for negligence in a premises liability action, and in his fourth amended complaint, he alleged that the defendants were employers for purposes of the Act and thus, had an obligation to provide him with workers’ compensation insurance. Id. at 458, 462. Ultimately, in granting the defendants’ motion to strike the plaintiff’s allegation of employment, the circuit court determined that the Commission had exclusive jurisdiction to decide if the defendants were employers for purposes of the Act. Id.

*10 ¶ 51 On appeal, the appellate court agreed, finding that the Commission, due to its expertise, was “uniquely suited” to make the factual determinations of “whether an employment relationship existed.” Id. at 468. As such, this court held that the Commission, not the circuit court, was the proper forum for the plaintiff to seek relief based on an alleged employment relationship. Id. at 470.

¶ 52 In the present case, the determination of whether Witte was employed for purposes of the Act—a question that the Commission is uniquely suited to resolve—has already been made by the Commission in Witte’s earlier workers’ compensation case. The issue here concerns the legal effect of Fox Midwest’s merger into TGT Merger as it relates to workers’ compensation insurance policies, or more broadly questions of corporate and contract law, which the Commission is not uniquely suited to resolve. Accordingly, the circuit court properly denied the Transit Group entities and Ace’s joint motion to dismiss.

¶ 53 B. Cross-Motions for Summary Judgment
¶ 54 The Transit Group entities and Ace next contend that the circuit court erred in denying their motions for summary judgment and in granting the Fund’s motion for summary judgment. They posit that the undisputed facts show that, when Witte had his workplace accident, Fox Midwest had not been added to the Ace policy because Fox Midwest had its own policy at the time through Fremont. They therefore argue that the Fremont policy was the only workers’ compensation insurance policy covering Witte’s injury. Additionally, the Transit Group entities and Ace assert that there was no evidence that Ace received a premium payment in exchange for covering Fox Midwest on the Ace policy, further demonstrating that the Ace policy could not have covered Witte’s workplace accident.

¶ 55 By the parties’ filing of cross-motions for summary judgment, they have agreed that there is only a question of law involved and therefore invite the circuit court to resolve the litigation based solely upon the record. Pielet v. Pielet, 2012 IL 112064, ¶ 28. Disposing of litigation on a motion for “[s]ummary judgment is a drastic” measure and such a motion “should be granted only when the movant’s right to judgment is clear and free from doubt.” Bremer v. City of Rockford, 2016 IL 119889, ¶ 45. Specifically, the circuit court should only grant summary judgment where the pleadings, depositions, admissions and affidavits on file, when viewed in the light most favorable to the nonmoving party, demonstrate that there is no genuine issue of any material fact, and the moving party is entitled to judgment as a matter of law. Gurba v. Community High School District No. 155, 2015 IL 118332, ¶ 10. A genuine issue of material fact exists where the material facts are disputed or reasonable people could draw different inferences from the undisputed facts. Mashal v. City of Chicago, 2012 IL 112341, ¶ 49. We review the circuit court’s ruling on a motion for summary judgment de novo. Gurba, 2015 IL 118332, ¶ 10. Furthermore, when we construe provisions of an insurance policy, this involves a question of law, which we also review de novo. Pekin Insurance Co. v. Wilson, 237 Ill. 2d 446, 455 (2010).

¶ 56 In this case, there are several undisputed facts, beginning with the fact that Witte commenced his employment with Fox Midwest in May 1999. At this time, Fox Midwest had a workers’ compensation policy through Fremont, covering it from March 1, 1999 until March 1, 2000. In late December 1999, Transit Group, Inc., used TGT Merger, its subsidiary, to effectuate a merger with Fox Midwest. According to the merger documents, Fox Midwest merged into TGT Merger, and TGT Merger was the surviving corporate entity. In the deposition of Kostelac, he explained that Transit Group, Inc., used subsidiaries to perform acquisitions via merger, and then “very rapidly” rolled the acquisitions into Transit Group, Inc. A little more than two weeks after the merger, Witte had his workplace accident. At the time of his accident, Transit Group, Inc., had a workers’ compensation policy through Ace, covering it from January 1, 2000 until January 1, 2001. Witte then filed a claim for workers’ compensation and began receiving benefits from Fremont until July 2, 2003, when it was involuntarily liquidated by the State of Illinois. At this time, the Fund took over as the provider of benefits to Witte.

*11 ¶ 57 At the outset, before addressing the legal consequences of these undisputed facts, we note that the effect of a merger is a matter of corporate law, and the parties have not raised any choice-of-law issue, on appeal or in the circuit court. While it is clear that, because Witte’s accident occurred in Illinois, the Act applied to his workers’ compensation claim and subsequent benefits (see 820 ILCS 305/1(b)(2) (West 2000)), the same cannot be said conclusively for the effect of the merger. The merger at issue in this case was between a Wisconsin corporation (Fox Midwest) and a Delaware corporation (TGT Merger), in which only a Delaware corporation survived, in accordance with those states’ business statutes based on the merger documents. But there is no meaningful difference among Illinois, Delaware or Wisconsin law concerning the effect of a statutory merger (see 805 ILCS 5/11.50 (West 2000); 8 Del.C. § 259(a) (West 2000); W.S.A. 180.1106 (West 2000)), such that there is no real choice-of-law issue. See Townsend v. Sears, Roebuck & Co., 227 Ill. 2d 147, 155 (2007) (“A choice-of-law determination is required only when a difference in law will make a difference in the outcome.”). As such, we will apply Illinois law.

¶ 58 Under Illinois law, when two corporations merge, the result is a single corporation, the one designated by the merger documents as the surviving corporation. 805 ILCS 5/11.50(a)(1) (West 2000). The since-merged corporation no longer exists legally. 805 ILCS 5/11.50(a)(2) (West 2000). Thus, upon the merger, the surviving corporation possess “all property, real, personal, and mixed, and all debts due on whatever account, including subscriptions to shares, and all other choses in action, and all and every other interest, of or belonging to or due to each of the corporations so merged or consolidated, shall be taken and deemed to be transferred to and vested in such single corporation without further act or deed.” 805 ILCS 5/11.50(a)(4) (West 2000). Additionally, the surviving corporation “shall thenceforth be responsible and liable for all the liabilities and obligations of each of the corporations so merged.” 805 ILCS 5/11.50(a)(5) (West 2000). Delaware and Wisconsin law provide for the same transfer of assets, rights, liabilities and obligations by operation of law to the surviving corporation following a merger, and they similarly provide that the since-merged corporation no longer exists legally. See 8 Del.C. § 259(a) (West 2000); W.S.A. 180.1106 (West 2000).

¶ 59 Because the merger at issue in this case was a statutory one, on January 1, 2000 after Fox Midwest merged into TGT Merger, Fox Midwest no longer legally existed. See 805 ILCS 5/11.50(a)(2) (West 2000) (“The separate existence of all corporations parties to the plan of merger or consolidation, except the surviving or new corporation, shall cease.”); see also 8 Del.C. § 259(a) (West 2000) (“When any merger *** shall have become effective under this chapter, for all purposes of the laws of this State the separate existence of all the constituent corporations, or of all such constituent corporations except the one into which the other or others of such constituent corporations have been merged, as the case may be, shall cease.”); W.S.A. 180.1106(1)(a) (West 2000) (“Every other business entity that is party to the merger merges into the surviving business entity, and the separate existence of every business entity that is a party to the merger, except the surviving business entity, ceases.”). And once Fox Midwest ceased to exist, Witte was no longer an employee of Fox Midwest, but rather became an employee of TGT Merger by operation of law.

¶ 60 However, according to Kostelac’s deposition, TGT Merger was merely used as a “legal vessel[ ]” used for tax purposes to effectuate the acquisition of Fox Midwest by Transit Group, Inc. Thus, as Kostelac remarked during his deposition, Fox Midwest and TGT Merger were rolled into Transit Group, Inc., “very rapidly” following the merger. And during the hearing on the parties’ cross-motions for summary judgment, according to the circuit court’s written order disposing of the motions, the Fund “asserted that all of the relevant entities, including TGT Merger, had merged into Transit Group, Inc. as of January 17, 2000. Defendants neither objected to nor attempted to clarify the contention and the court takes it as true.” Thus, it is clear that, as of January 17, 2000, TGT Merger itself had ceased to be a subsidiary of Transit Group, Inc., but rather was also merged into Transit Group, Inc., meaning Witte was employed by Transit Group, Inc., when he was injured on the job. While Witte may have been in the “Fox Midwest division” or some nomenclature to that effect within Transit Group, Inc., he could not work for “Fox Midwest Transport, Inc.” as no such corporation existed following its merger into TGT Merger. Though Witte received paystubs and a W-2 form from “Fox Midwest Transport, Inc.” following the merger, these documents cannot override the legal effect of Fox Midwest being merged into TGT Merger and later into Transit Group, Inc.: its cessation of existence as a corporation. See 805 ILCS 5/11.50(a)(2) (West 2000).

*12 ¶ 61 Given that Witte was employed by Transit Group, Inc., on January 17, 2000, we now look at the Ace policy, using the same principles to interpret and construe it as any other contract. Saathoff v. Country Mutual Insurance Co., 379 Ill. App. 3d 398, 402 (2008). “When construing the language of an insurance policy, our primary objective is to ascertain and give effect to the intentions of the parties as expressed in their agreement.” Johnson v. State Farm Mutual Auto Insurance Co., 323 Ill. App. 3d 376, 381 (2001). But if the terms of the policy are clear, they will be applied as written and given their plain and ordinary meaning. Id.

¶ 62 In the Ace policy, it stated that the named insured under the policy was “Transit Group, Inc.” and the policy covered “TRUCKING IL” as a workplace. And Witte, as discussed, became an employee of Transit Group, Inc., by January 17, 2000. Given this, the Ace policy covered Witte as an employee of Transit Group, Inc., when he injured himself on the job. We recognize that, in the Ace policy, there were multiple “Other Insureds Extension” pages listing several other entities, including those that Transit Group, Inc., had acquired during the late 1990s, and Fox Midwest’s name was not one of them. But as discussed, the Ace policy clearly covered Transit Group, Inc., employees, which Witte was when he had his workplace accident.

¶ 63 Under section 546(a) of the Illinois Insurance Code (215 ILCS 5/546(a) (West 2000)), “[a]n insured or claimant shall be required first to exhaust all coverage provided by any other insurance policy, regardless of whether or not such other insurance policy was written by a member company, if the claim under such other policy arises from the same facts, injury, or loss that gave rise to the covered claim against the Fund.” And when an insured or claimant does not first exhaust coverage, the Fund has “an independent right of recovery against each insurer whose coverage was not exhausted in the amount the Fund would not have had to pay if that insurer’s coverage had been exhausted first.” Id. Because we have found the Transit Group, Inc., policy issued by Ace covered Witte at the time of his accident, the Ace policy was “other insurance” that should have been exhausted prior to the Fund paying Witte workers’ compensation benefits.

¶ 64 Nevertheless, the Transit Group entities and Ace raise multiple arguments as to why the Ace policy was not other insurance. First, they posit that there was no evidence that any premium was collected by Ace to cover Fox Midwest on the date of Witte’s accident. However, this argument ignores that Fox Midwest did not exist at the time of Witte’s accident and the deposition testimony of May, who testified that, if Transit Group, Inc., hired a new employee, that employee “would be automatically covered” under the Ace policy. Witte was an employee of Transit Group, Inc., at the time of his accident and automatically a part of the Ace policy. We do agree with the Transit Group entities and Ace that a premium is an indispensible part of an insurance policy and the amount of a premium is commensurate with the amount of risk the insurer undertakes to cover the insured. See generally Illinois Insurance Guaranty Fund v. Virginia Surety Co., Inc., 2012 IL App (1st) 113758, ¶ 15; Ryan v. State Farm Mutual Auto Insurance, Co., 397 Ill. App. 3d 48, 51-52 (2009). But as noted by May in his deposition, the possibility of employment fluctuations of a named insured is contemplated by the insurer ahead of time and the reason an insurer generally requires an initial premium and an audit following the policy period to return any premium surplus or require an additional premium.

*13 ¶ 65 Additionally, citing to Board of Education of City of Chicago v. Industrial Comm’n, 53 Ill. 2d 167, (1972), Crepps v. Industrial Comm’n, 402 Ill. 606 (1949) and Wolverine Insurance Co. v. Jockish, 83 Ill. App. 3d 411 (1980), the Transit Group entities and Ace argue that, under the Act, the relationship of an employer and employee is a product of mutual assent. They posit that there was no proof of employment of Witte by any of the Transit Group entities, including TGT Merger. And they assert that, based on Witte’s deposition testimony, he was completely unaware that he was employed by anyone other than Fox Midwest at the time of his accident.

¶ 66 In all three decisions cited by the Transit Group entities and Ace, the question presented was whether a person was employed for purposes of the Act and evidence of mutual assent was relevant to that inquiry. See Board of Education, 53 Ill. 2d at 170 (determining whether a college student volunteering at a Chicago Public School was employed by the Board of Education of the City of Chicago when she injured herself at the school); Crepps, 402 Ill. at 610-16 (determining whether an electrician installing light fixtures at the office of a real estate broker was his employee when he injured himself at the office); Jockish, 83 Ill. App. 3d at 416 (determining whether a truck driver helping a friend retrieve a disabled truck off the highway was an employee of the friend when he injured himself on highway). In this case, however, it is undisputed that Witte was employed at the time of his accident for purposes of the Act. One of the critical questions here is who that employer was, a legal question resolved by virtue of Fox Midwest and TGT Merger executing a statutory merger, wherein the assets and property of Fox Midwest vested in TGT Merger by operation of law. See 805 ILCS 5/11.50(a)(4) (West 2000). Because the statutory merger transferred Witte’s employment by operation of law, no extrinsic proof of employment by the Transit Group entities was required and a question of mutual assent was simply not presented in this case. Thus, Board of Education, Crepps and Jockish are inapposite. Furthermore, Witte’s subjective belief of who his employer was on the date of his injury is meaningless. Again, while Witte may have been part of the “Fox Midwest division” of Transit Group, Inc., he was legally employed by Transit Group, Inc.

¶ 67 The Transit Group entities and Ace further argue there was no evidence that the Fremont policy had been cancelled with that cancellation accepted by the Commission pursuant to the Illinois workers’ compensation insurance regulations. See 50 Ill. Adm. Code 9100.30 (1986). Although we have concluded that the Ace policy covered Witte’s accident, that does not mean we have also concluded that the Fremont policy did not cover Witte’s accident, as there is nothing that would preclude two workers’ compensation policies from insuring the same risk. See Home Insurance Co. v. Cincinnati Insurance Co., 213 Ill. 2d 307, 316 (2004) (finding the doctrine of equitable contribution applicable in circumstances where there are “concurrent policies insur[ing] the same entities, the same interests, and the same risks”). According to various deposition testimony, duplicate coverage is not the preferred practice and businesses attempt to avoid such instances, but it can and does happen. As such, it is quite possible that, due to Fox Midwest’s statutory merger into TGT Merger, the Fremont policy transferred to TGT Merger as an asset and interest of Fox Midwest prior to the merger. See 805 ILCS 5/11.50(a)(4) (West 2000); see also Elliott Co. v. Liberty Mutual Insurance Co., 434 F. Supp. 2d 483, 492 (N.D. Ohio 2006) (finding that “[c]ourts have transferred [insurance] coverage by operation of law in a number of situations” and “[t]he most common situation occurs during a corporate merger”); Knoll Pharmaceutical Co. v. Automobile Insurance Co., 167 F. Supp. 2d 1004, 1010-11 (N.D. Ill. 2001) (interpreting Illinois law and finding that, upon a statutory merger, insurance rights of since-merged corporation transferred to the surviving corporation by operation of law).

*14 ¶ 68 However, as previously noted, Fremont was involuntarily liquidated by the State of Illinois on July 2, 2003, at which point the Fund took over as the provider of benefits to Witte. It is from this point on that the Fund seeks a declaration that it was not responsible for Witte’s workers’ compensation benefits and ultimately compensation from that declaration. In other words, whether Fremont properly paid out benefits to Witte prior to July 2, 2003, is not at issue in this appeal. Our only concern is whether the Fund became responsible following Fremont’s involuntary liquidation. And in light of our finding that Witte was legally an employee of Transit Group, Inc., on the date of his accident, and the Ace policy’s named insured was Transit Group, Inc., the circuit court properly declared that the Ace policy covered Witte at the time of his injury. Accordingly, the court did not err in granting the Fund’s motion for summary judgment and denying the Transit Group entities and Ace’s motions for summary judgment.

¶ 69 III. CONCLUSION
¶ 70 For the foregoing reasons, we affirm the judgments of the circuit court of Cook County.

¶ 71 Affirmed.

Presiding Justice Gordon and Justice McBride concurred in the judgment.
All Citations
Not Reported in N.E. Rptr., 2019 IL App (1st) 181454-U, 2019 WL 4242444

Footnotes

1
The name change occurred in January 2005. See Roberson v. Industrial Comm’n, 225 Ill. 2d 159, 162 n. 1 (2007) (citing 820 ILCS 305/1(c) (West 2004)).

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