GANDY, TERRY v. MARTEN TRANSPORT, LIMITED

FILED

Dec 02, 2025

09:42 AM(CT)

TENNESSEE COURT OF

WORKERS' COMPENSATION

CLAIMS

TENNESSEE BUREAU OF WORKERS’ COMPENSATION

IN THE COURT OF WORKERS’ COMPENSATION CLAIMS

AT GRAY

TERRY GANDY, ) Docket No: 2023-02-03636

Employee, )

v. ) State File No:860226-2023

MARTEN TRANSPORT, LIMITED, )

Employer. ) Judge Brian K. Addington

EXPEDITED HEARING ORDER GRANTING BENEFITS

Mr. Gandy asked the Court to order Marten Transport to provide medical and

temporary disability benefits and attorney’s fees during an expedited hearing on November

12, 2025. The issue is whether Mr. Gandy is likely to prove at trial that his injuries arose

primarily out of his employment. For the reasons below, the Court holds he is likely to

prove entitlement to some of the requested benefits.

Claim History

The injury and treatment

Mr. Gandy worked for Marten Transport as a truck driver. On the day he was

injured, his truck’s trailer was divided into different refrigerated sections called

“bulkheads” that were secured by safety belts. When he tried to unscrew a bulkhead that

was either tightly wound or frozen, it unexpectedly popped out and scratched his arm just

above his wrist. Mr. Gandy estimated the scratch was about two inches long and said it did

not bleed much. He did not tell his supervisor that he scratched his arm, nor was he

concerned about it.1 He wiped the wound with a wet paper towel, applied an antibiotic

cream and bandage, and continued working.

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Mr. Gandy also provided a statement that he cut his arm on the truck door.

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Mr. Gandy started noticing changes in the wound late the next day. He testified that

his skin began to turn black, but he unloaded in Kentucky and drove to Goodlettsville to

pick up another shipment. When he bent over to hook up to his trailer, he became very

nauseated and began retching and vomiting. He was very fatigued afterwards but had no

idea that his symptoms were related to his injury. He took a nap and worked another eight-

hour shift.2

Eventually, Mr. Gandy arrived at his drop-off location. When he took his transport

log forms to the office, the office guards thought he was intoxicated. One of his coworkers

noticed his behavior and spoke with his supervisor, who decided to take him to the hospital.

At some point before going to the hospital, Mr. Gandy lost control of his bodily

functions and soiled his clothing. The hospital sent him to Vanderbilt Medical Center by

med flight. There it was determined he had group A streptococcus and necrotizing fasciitis.

The doctors diagnosed a flesh-eating disease, amputated his left arm, and performed

multiple surgeries to remove infections in his right arm. Mr. Gandy did not return for

further treatment after he was discharged. He was unable to pay for treatment, and Marten

denied the claim. The medical bills total $749,523.23.

Marten initially offered two physician panels, and Mr. Gandy selected Karen Bloch

but never saw her due to Marten’s denial. He testified he needs treatment because he has

phantom limb pain, tenderness, numbness, and tingling, and he described mental symptoms

associated with his amputated arm. He has weakness in his remaining arm and is unable to

lift a gallon of milk. He testified that he would not be able to return to work as a truck

driver with one arm.

Medical Evidence

Both parties sought independent medical reviews of Mr. Gandy’s physical

condition.

Dr. Michael Gelfand reviewed medical records and gave a causation opinion for Mr.

Gandy. He responded to a medical questionnaire that:

• Strep A can enter the body through skin trauma.

• Mr. Gandy’s underlying medical conditions (vascular disease, lung

cancer, smoking) contributed to the severity of the flesh-eating disease.

• The laceration that occurred at work primarily caused his left arm

amputation.

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Sometime during his shift, he requested dispatch to go home. This request was denied because there were

no relief drivers.

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Dr. Gelfand gave a deposition and concluded that the laceration to Mr. Gandy’s left

arm allowed the bacteria to enter his body and spread through his bloodstream, right arm,

and entire body. He causally related Mr. Gandy’s necrotizing fasciitis and amputation to

the work injury, stating that the skin injury was “the entry point of the infection.” Dr.

Gelfand reviewed Mr. Gandy’s medical treatment for the work injury and determined it

was reasonably necessary.

Dr. Anthony Cumbo also reviewed Mr. Gandy’s medical records. During Dr.

Cumbo’s deposition he stated his doubts as to whether Mr. Gandy was cut at work in the

manner he described. He noted that Mr. Gandy was encephalopathic (had generalized brain

dysfunction) and had an abrasion and bruising on his left-upper arm but not near his wrist

or hand. He further testified that, assuming the cut did occur at work, Mr. Ganby’s immuno-

compromised health was the primary reason that his infection worsened and caused the

need for treatment.3

Mr. Gandy also underwent a review of his mental condition with Dr. Greg Kyser,

psychiatrist. Dr. Kyser reviewed Mr. Gandy’s medical records and interviewed him. He

noted that Mr. Gandy took medication for preexisting depression. His primary care doctor

increased the prescription due to the work injury. Dr. Kyser found that Mr. Gandy suffered

a mental injury primarily related to his work that caused an increased dosage of the

antidepressant. He said that Mr. Gandy should continue quarterly treatment for medication

management.

Expedited hearing

Both Mr. Gandy and his wife testified during the hearing.

Mr. Gandy appeared gaunt and exhausted, and he coughed frequently. He

acknowledged an incomplete memory of events near the time he was injured, as well as

discrepancies in his testimony about the accident and previous declarations. But he

reiterated that he knew of no cuts on his body during his weekend at home before his injury.

He also testified that he underwent heart surgery and cancer treatment after his work

incident. He said he earned between $1,500 and $2,000 a week after taxes, but neither party

offered a wage statement.

Jamie Gandy testified that Mr. Gandy did some light work at home the weekend

before his injury. She was unaware of him sustaining a cut before he left for work. They

both testified that his injury has changed what he can and cannot do around the house and

how he feels about himself.

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Mr. Gandy has since been diagnosed with lung cancer and vascular problems and is a smoker.

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Mr. Gandy argued that he was entitled to past temporary disability benefits, payment

of past medical treatment, current medical treatment, and attorney fees for Marten’s denial

of his claim.

Marten argued that Mr. Gandy gave inconsistent stories of how he was injured and

that his own body caused the need for medical treatment. It asserted that even if the cut

happened at work, it would not have made him ill if he had been healthy.

Findings of Fact and Conclusions of Law

Mr. Gandy must show a likelihood of prevailing at a hearing on the merits that he

is entitled to medical and temporary disability benefits. Tenn. Code Ann. § 50-6-239(d)(1)

(2025); McCord v Advantage Human Resourcing, 2015 TN Wrk. Comp. App. Bd. LEXIS

6, at *7-8, 9 (Mar. 27, 2015).

Injuries Arising out of employment and benefits

Mr. Gandy must prove that his injury arose primarily out of and in the course and

scope of his employment. This includes the requirement that the injury is caused by a

“specific incident, or set of incidents, . . . and is identifiable by time and place of

occurrence.” Further, he must show “to a reasonable degree of medical certainty that [the

incident] contributed more than fifty percent (50%) in causing the . . . disablement or need

for medical treatment, considering all causes.” “Shown to a reasonable degree of medical

certainty” means that, in the opinion of the treating physician, it is more likely than not

considering all causes as opposed to speculation or possibility. Id. § 50-6-102(12)(A)-(D).

Marten asserted that Mr. Gandy provided differing statements about the date of his

injury and its circumstances. Although some minor discrepancies exist in Mr. Gandy’s

account of how and when the incident happened, the evidence supports his claim that he

was cut while making a delivery for Martin. Further, these inconsistencies can be attributed

to his exhaustion, the effects of the flesh-eating bacteria, and extensive surgery.

Additionally, his memory problems are understandable, given the time that has elapsed

since the injury, as well as his heart surgery and cancer treatment. “Even if minor and

insignificant details vary, an injured worker should not be penalized simply for being a

poor historian.” Orman v. Williams Sonoma, Inc., 803 S.W.2d 672, 677 (Tenn. 1991).

Finally, although Marten questioned the facts of the accident, it did not offer any

proof of another incident. Both Mr. and Ms. Gandy testified that they knew of no cut on

Mr. Gandy when he left for work. The Court observed Mr. Gandy and finds the

discrepancies are reasonable under these circumstances and that he is likely to prove the

time and place of occurrence.

Turning to causation, when expert opinions differ, the Court may consider, among

other things, “the qualifications of the experts, the circumstances, of their examination, the

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information available to them, and the evaluation of the importance of that information by

other experts.” Id. at 676. Here, the experts are well-qualified, so that factor is neutral. Both

doctors determined the need for his treatment including the amputation was necrotizing

fasciitis, so they agreed on that point.

As to the circumstances of their examination, both doctors performed record

reviews and reviewed the information obtained after Mr. Gandy’s injury, including his non-

work-related medical conditions. This factor slightly favors Dr. Cumbo, as it appears he

also reviewed Dr. Gelfand’s deposition.

As to the importance of the information, both doctors determined that if Mr. Gandy

were cut at work, it might have caused a strep infection, but they differ on what allowed it

to progress to necrotizing fasciitis. Both doctors agreed that for the serious infection Mr.

Gandy had, it required some sort of trauma or underlying immunity deficiency. This factor

is neutral.

The doctors differed on what caused the need for treatment. Dr. Gelfand stated that

it was strep entering Mr. Gandy’s body through the cut that caused the necrotizing fasciitis

and need for treatment, while Dr. Cumbo stated that Mr. Gandy’s underlying compromised

immune system caused the need for treatment. In other words, according to Dr. Cumbo, if

Mr. Gandy were healthy, even if he were cut at work, he would have been just fine.

Even if the Court were to accept Dr. Cumbo’s opinion, it cannot agree with Marten’s

argument. It is well-settled that an employer takes its employees as it finds them. Flowers

v. South Cent. Bell Tel. Co., 672 S.W.2d 769, 770 (Tenn. 1984). Thus, an employee is

entitled to benefits if the employee’s work causes an actual progression or advances a

preexisting condition. See Hill v. Eagle Bend Mfg., 942 S.W.2d 483, 488 (Tenn. 1997)

(employer is responsible for benefits, even though the employee may have been suffering

from a serious preexisting condition, if the employment causes “an actual progression or

aggravation of the prior disabling condition” that produces increased pain that is disabling).

It follows that if an employee’s underlying condition causes an unusually significant

reaction to a work injury, that condition does not foreclose recovery for the resulting

treatment.

Thus, the question is not whether Mr. Gandy’s pre-existing condition worsened his

injury but whether he sustained an injury and whether the need for treatment was primarily

related to the injury. The Court accepts Dr. Gelfand’s opinion on the question.

For these reasons, the Court finds that Mr. Gandy is likely to prove at a hearing on

the merits that his work accident was the primary cause of the necrotizing fasciitis and the

need for his hospitalization, surgery, and need for continued medical treatment. Marten

shall authorize Dr. Karen Bloch to provide ongoing medical treatment, as Mr. Gandy chose

her from a panel of physicians.

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Mr. Gandy also asserted a need for psychiatric treatment. Because Marten denied

the claim, no authorized doctor has recommended psychiatric treatment. However, Dr.

Kyser found that Mr. Gandy suffered a work-related mental injury and needs quarterly

medication management for the foreseeable future. Marten offered no contrary medical

opinion. The Court finds he is likely to succeed at a hearing on the merits in proving he is

entitled to a panel of psychiatrists.

On Mr. Gandy’s request for temporary disability, the Appeals Board listed the

following requirements for an employee to be eligible for these benefits: “(1) the worker

became disabled from working due to a compensable injury; (2) there is a causal

connection between the injury and the inability to work; and (3) the worker established the

duration of the period of disability.” Jones v. Crencor Leasing and Sales, 2015 TN Wrk.

Comp. App. Bd. LEXIS 48, at *7 (Dec. 11, 2015). Also, he must prove his average weekly

wage so the Court can determine his compensation rate. Id. § 50-6-102(3)(A).

Mr. Gandy testified he earned between $1,500 to $2,000 per week but did not

provide exact amounts. Marten did not introduce a wage statement. Under these

circumstances, the Court cannot set a compensation rate or calculate temporary disability

benefits. Presumably, Mr. Gandy could not work while he was hospitalized, but the record

does not establish his period of disability after his release. However, the Court finds under

Jones that he would be entitled to temporary total disability benefits at least from the day

after he last worked until his release from the hospital.

Fees

Lastly, the Court turns to the requested attorney’s fee under section 50-6-

226(d)(1)(B) for Marten’s alleged unreasonable denial of benefits. A decision to award

attorney’s fees and expenses at an interlocutory stage of a case should be made only in

extremely limited circumstances. Thompson v. Comcast Corp., 2018 TN Wrk. Comp. App.

Bd. LEXIS 1, at *29 (Jan. 30, 2018). The Court finds that limited circumstances are not

present here.

THEREFORE, IT IS ORDERED AS FOLLOWS:

1. Marten shall pay Mr. Gandy’s past medical expenses in the amount of

$749,523.23 and furnish ongoing medical treatment with Dr. Bloch for his

physical injuries. Marten shall offer a panel of psychiatrists for his mental injury.

2. Mr. Gandy has proven he is entitled to temporary total disability benefits from

the day after he entered the hospital until his release, but the Court is unable to

compute the amount of benefits owed at this time. The Court reserves ruling on

this issue.

3. Mr. Gandy’s request for attorney fees is also reserved.

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4. The parties shall attend a status hearing on January 23, 2026, at 3:00 p.m.

Eastern time. They must call 855-543-5044 to participate in the hearing.

5. Unless an interlocutory appeal of the Expedited Hearing Order is filed,

compliance with this Order must occur no later than seven business days from

the date of entry of this Order as required by Tennessee Code Annotated section

50-6-239(d)(3).

ENTERED December 2, 2025.

Brian K. Addington__________________

BRIAN K. ADDINGTON, JUDGE

Court of Workers’ Compensation Claims

APPENDIX

Exhibits:

1. Affidavit of Terry Gandy

2. Second Affidavit of Terry Gandy

3. Denial letter

4. (collective) Dr. Michael Gelfand’s medical questionnaire responses4

5. Employer’s Notice of Filing of Medical Records

6. Deposition of Jamie Gandy

7. Deposition of Dr. Michael Gelfand

8. Deposition of Dr. Anthony Cumbo

9. Rebuttal Evidence

10. Employee’s combined medical records

11. Physician Panels

12. Photographs

13. Deposition of Terry Gandy

4

Marten objected to the leading questions in the questionnaire. The Court overrules the objection.

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CERTIFICATE OF SERVICE

I certify that a copy of this Order was sent on December 2, 2025.

Name First Class Email Service Sent to:

Mail

Ashley McGee, X ashleymcgee@rockylawfirm.com

Employee’s Attorney connie@rockylawfirm.com

Connor Sestak and X csestak@morganakins.com

Nick Akins, nakins@morganakins.com

Employer’s Attorneys plunny@morganakins.com

_________________________________

PENNY SHRUM, COURT CLERK

wc.courtclerk@tn.gov

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Right to Appeal:

If you disagree with the Court’s Order, you may appeal to the Workers’ Compensation

Appeals Board. To do so, you must:

1. Complete the enclosed form entitled “Notice of Appeal” and file it with the Clerk of the

Court of Workers’ Compensation Claims before the expiration of the deadline.

¾ If the order being appealed is “expedited” (also called “interlocutory”), or if the

order does not dispose of the case in its entirety, the notice of appeal must be filed

within seven (7) business days of the date the order was filed.

¾ If the order being appealed is a “Compensation Order,” or if it resolves all issues

in the case, the notice of appeal must be filed within thirty (30) calendar days of

the date the Compensation Order was filed.

When filing the Notice of Appeal, you must serve a copy on the opposing party (or attorney,

if represented).

2. You must pay, via check, money order, or credit card, a $75.00 filing fee within ten calendar

days after filing the Notice of Appeal. Payments can be made in-person at any Bureau office

or by U.S. mail, hand-delivery, or other delivery service. In the alternative, you may file an

Affidavit of Indigency (form available on the Bureau’s website or any Bureau office)

seeking a waiver of the filing fee. You must file the fully-completed Affidavit of Indigency

within ten calendar days of filing the Notice of Appeal. Failure to timely pay the filing

fee or file the Affidavit of Indigency will result in dismissal of your appeal.

3. You are responsible for ensuring a complete record is presented on appeal. If no court

reporter was present at the hearing, you may request from the Court Clerk the audio

recording of the hearing for a $25.00 fee. If you choose to submit a transcript as part of your

appeal, which the Appeals Board has emphasized is important for a meaningful review of

the case, a licensed court reporter must prepare the transcript, and you must file it with the

Court Clerk. The Court Clerk will prepare the record for submission to the Appeals Board,

and you will receive notice once it has been submitted. For deadlines related to the filing of

transcripts, statements of the evidence, and briefs on appeal, see the applicable rules on the

Bureau’s website at https://www.tn.gov/wcappealsboard. (Click the “Read Rules” button.)

4. After the Workers’ Compensation Judge approves the record and the Court Clerk transmits

it to the Appeals Board, a docketing notice will be sent to the parties.

If neither party timely files an appeal with the Appeals Board, the Court Order

becomes enforceable. See Tenn. Code Ann. § 50-6-239(d)(3) (expedited/interlocutory

orders) and Tenn. Code Ann. § 50-6-239(c)(7) (compensation orders).

For self-represented litigants: Help from an Ombudsman is available at 800-332-2667.

NOTICE OF APPEAL

Tennessee Bureau of Workers’ Compensation

www.tn.gov/workforce/injuries-at-work/

wc.courtclerk@tn.gov | 1-800-332-2667

Docket No.: ________________________

State File No.: ______________________

Date of Injury: _____________________

___________________________________________________________________________

Employee

v.

___________________________________________________________________________

Employer

Notice is given that ____________________________________________________________________

[List name(s) of all appealing party(ies). Use separate sheet if necessary.]

appeals the following order(s) of the Tennessee Court of Workers’ Compensation Claims to the

Workers’ Compensation Appeals Board;ĐŚĞĐŬŽŶĞŽƌŵŽƌĞĂƉƉůŝĐĂďůĞďŽdžĞƐĂŶĚŝŶĐůƵĚĞƚŚĞĚĂƚĞĨŝůĞͲ

ƐƚĂŵƉĞĚŽŶƚŚĞĨŝƌƐƚƉĂŐĞŽĨƚŚĞŽƌĚĞƌ;ƐͿďĞŝŶŐĂƉƉĞĂůĞĚͿ͗

ප Expedited Hearing Order filed on _______________ ප Motion Order filed on ___________________

ප Compensation Order filed on__________________ ප Other Order filed on_____________________

issued by Judge _________________________________________________________________________.

Statement of the Issues on Appeal

Provide a short and plain statement of the issues on appeal or basis for relief on appeal:

________________________________________________________________________________________

________________________________________________________________________________________

________________________________________________________________________________________

________________________________________________________________________________________

Parties

Appellant(s) (Requesting Party): _________________________________________ ‫܆‬Employer ‫܆‬Employee

Address: ________________________________________________________ Phone: ___________________

Email: __________________________________________________________

Attorney’s Name: ______________________________________________ BPR#: _______________________

Attorney’s Email: ______________________________________________ Phone: _______________________

Attorney’s Address: _________________________________________________________________________

* Attach an additional sheet for each additional Appellant *

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Employee Name: _______________________________________ Docket No.: _____________________ Date of Inj.: _______________

Appellee(s) (Opposing Party): ___________________________________________ ‫܆‬Employer ‫܆‬Employee

Appellee’s Address: ______________________________________________ Phone: ____________________

Email: _________________________________________________________

Attorney’s Name: _____________________________________________ BPR#: ________________________

Attorney’s Email: _____________________________________________ Phone: _______________________

Attorney’s Address: _________________________________________________________________________

* Attach an additional sheet for each additional Appellee *

CERTIFICATE OF SERVICE

I, _____________________________________________________________, certify that I have forwarded a

true and exact copy of this Notice of Appeal by First Class mail, postage prepaid, or in any manner as described

in Tennessee Compilation Rules & Regulations, Chapter 0800-02-21, to all parties and/or their attorneys in this

case on this the __________ day of ___________________________________, 20 ____.

______________________________________________

[Signature of appellant or attorney for appellant]

LB-1099 rev. 01/20 Page 2 of 2 RDA 11082