Heroism Ain't Cheap

Next time you're considering going above and beyond the call of duty, be sure to check in with your employer's disability insurance agent first.

JOPLIN, Mo. (AP) — By all accounts, Mark Lindquist is a hero, an underpaid social worker who nearly gave his life trying to save three developmentally disabled adults from the Joplin tornado. Both houses of the Missouri legislature honored Lindquist, the Senate resolution calling him "a true hero and inspiration to others."

But heroism doesn't pay the bills. The tornado's 200 mph winds tossed Lindquist nearly a block, broke every rib, obliterated his shoulder, knocked out most of his teeth and put him in a coma for about two months.

Lindquist, 51, ran up medical expenses that exceed $2.5 million, and the bills keep coming. He requires 11 daily prescriptions and will need more surgery.

But he has no medical insurance. Lindquist couldn't afford it on a job paying barely above minimum wage. He assumed workers' compensation would cover his bills, but his claim was denied "based on the fact that there was no greater risk than the general public at the time you were involved in the Joplin tornado," according to a letter to Lindquist from Accident Fund Insurance Company of America, his company's workers' comp provider.

[...]

Lindquist watched the skies darken on the evening of May 22 while on his way to the group home occupied by Mark Farmer, Rick Fox and Tripp Miller, three middle-aged men with Down syndrome. Soon after he arrived, a tornado siren began to blare.

[...]

The EF-5 tornado was among the nation's worst ever. It destroyed more than 7,000 homes, including the group home, and killed 162 people.

Among the dead were Farmer, Fox and Miller, a fact that still haunts Lindquist.

"I loved them almost as much as I love my own kid," he said.

[...]

[Lindquist's sister Linda] Baldwin said the insurance company's decision is unfathomable because if her brother hadn't been at work, he wouldn't have been hurt. He also could have jumped in his van and driven away from the group home as the tornado approached.

Lindquist said that thought never crossed his mind.

"I could have abandoned them to save myself, but I would never do that," he said.

[AP]