Based on a comprehensive review of the substantial and competent evidence, including Claimant's testimony, the expert medical opinions and depositions, the medical treatment records, and the testimony of the other witness, as well as my personal observations of Claimant and the other witness at hearing, I find:
1) Claimant is a 61-year-old individual who was last employed as a District Sales Manager for Employer. He worked for Employer from January 14, 1985 until September 28, 2000, the day of his heart attack. His job there involved a great deal of travel, since he was responsible for maintaining customer relationships and supervising other sales reps in the field in Indiana, Ohio, Missouri, Texas and Kansas. Claimant took multi-day trips at least one week out of every month. He also supervised five technicians doing development. Claimant described his job as a position of responsibility and he said there was pressure on him to maintain the accounts. He testified that he worked 110-115 hours per week. (In other records submitted at hearing, Claimant apparently reported working approximately 60 hours per week.)
2) Claimant denied any prior treatment for, or diagnosis of, heart disease. He did admit, however, going to the doctor about a year before the heart attack with similar complaints. He was having pains down the arms and into the shoulders. Claimant said the doctor told him to buy Maalox for acid reflux. Claimant said that over the course of that year, he had occasional acid reflux treatment. Claimant admitted on cross-examination that he did have chest pain for about 2 years prior to the heart attack on September 28, 2000. He said the chest pain would radiate to his arms. One month prior to the heart attack this pain was not relieved by the Maalox. Then two weeks prior to the heart attack, he was getting shortness of breath.
3) The medical records from Family Medicine West-Mercy Medical Group (Exhibit 5) show treatment Claimant had for accidents and complaints to various parts of his body prior to the heart attack. The records also contain a report of heartburn symptoms over the last several months on February 16, 1999 and a finding of elevated blood pressure on November 15, 1995.
4) Claimant testified that his last business trip for Employer lasted 2 or 3 days and involved stops in multiple locations, including Dallas, Texas, Meridian, Mississippi, and Atlanta, Georgia. He flew into each of these locations and rented cars there to get to the customers he had to meet. He was carrying a soft briefcase with a laptop in it that weighed about 45 pounds and a hanging bag with his clothes. All total he estimated the bags weighed 60 pounds. He testified that during this trip he experienced crushing pains in his chest and a little nausea. He got some Maalox that helped temporarily. He also described chest pain with exertion such as walking to and from the rental car and the gate at the terminal. Claimant said that his schedule included 4 calls in Texas, and one major client in Meridian.
5) When he was asked whether there was anything extraordinary or unusually stressful about this trip as compared to his other business trips, Claimant responded his friend had been fired and he was taking over these new markets from his friend. He was meeting new clients and making calls on these clients with whom he had not done business in the past.
6) On his flight back to St. Louis on September 28, 2000, Claimant said he felt very ill. He described pain in his chest and a burning sensation in his heart. He said he vomited in the airport and at home. Despite the complaints he said he was having, he drove by St. John's Hospital on his way home from the airport, but did not stop there. He said that he did stop at a drug store to get more Maalox. He said he took a shower which relaxed him considerably and then laid down and tried to go to sleep. He said he slept for about an hour but then was unable to sleep through the night. At about 9:00 p.m., Claimant told his wife to call 911 because the pain had become very severe and he also had pain shooting down his arms and legs.
7) Claimant's wife, Roxanne Olden, also testified at the hearing that her husband worked a lot, and traveled at least one week out of every month. She said they were not aware of any prior heart problems, but she did know that his personal doctor told him to take Maalox. On September 28, 2000, she said Claimant looked terrible and was having chest pains when he came in the door. He said he would take a shower and lay down. She said she found him sitting on the floor of the shower and he said he had nausea. He was only home about an hour when this happened. She called 911 .
8) A Metro West Fire Protection District ambulance crew went to Claimant's house to respond to the 911 call. (Exhibit 6) Claimant was found laying in bed with complaints of severe chest pain and pain down both arms. He noted that he had collapsed earlier before they arrived. He was transported to St. John's Mercy Medical Center. (Exhibit H) During an inpatient stay from September 28, 2000 until October 9, 2000, he was diagnosed with an
acute myocardial infarction, post-infarction angina, and three vessel coronary artery disease. He was surgically treated with a cardiac catheterization and an emergency coronary artery bypass grafting times three. His cardiac risk factors in the hospital records were listed as hypertension, remote tobacco use, and positive family history. The records also contained a notation that he had a long history of heartburn complaints with symptoms relieved by Maalox, but over the last month the Maalox did not provide relief. He discussed additional complaints while he was on his business trip and then the collapse at home that precipitated the call to the ambulance. Claimant continued to see Dr. Scott Johnson (Exhibit D) and Dr. Ali Mehdirad (Exhibit C) in follow up for his cardiac care.
9) Mrs. Olden admitted on cross-examination that they were told about some heart damage from a prior heart attack during his first hospitalization. She said that prior to the September 28, 2000 heart attack she thought he looked poorly, and the month before that heart attack, he seemed to her to be a weaker person.
10) Because of shortness of breath and recurrent angina complaints, a repeat cardiac catheterization was performed at St. John's Mercy Medical Center (Exhibit H) on December 29, 2000 which showed occlusion of some of the grafts that had been placed only three months earlier. His treatment was transferred to Dr. Nicholas Kouchoukos (Exhibit B) who took Claimant to surgery at Missouri Baptist Medical Center (Exhibit A) on January 9, 2001 for a St. Jude's Mitral valve replacement and a bypass graft to two vessels. According to the hospital records, Claimant's recovery was somewhat prolonged because of complications. According to Dr. Kouchoukos' records, Claimant was progressing nicely until he had a recurrence of chest discomfort. In his last note dated March 28, 2001, Dr. Kouchoukos indicated Claimant continues to have evidence of congestive failure and it would be appropriate to consider transplantation in the future.
11) Because of the recurrence of chest pain with minimal exertion, on March 23, 2001, Claimant had another cardiac catheterization at St. John's Mercy Medical Center (Exhibit H) which showed moderate to severe disease and occlusion in a number of the vessels again. Dr. Ali Mehdirad (Exhibit C) continued to follow Claimant's progress and noted in records culminating on October 12, 2001 that Claimant was still having some shortness of breath if he did not walk slowly, and a continued occasional burning sensation in his chest.
12) Apparently in response to a request for an opinion on causation from Claimant's attorney, Dr. Ali Mehdirad (Exhibit 2) issued a letter dated April 16, 2001. In that letter, Dr. Mehdirad notes risk factors commonly associated with coronary artery disease and heart attack. He notes that Claimant had two of those risk factors, high blood pressure and high cholesterol. He then stated, "While these known risk factors have been well demonstrated to cause coronary artery disease and subsequently heart attack, it is much more difficult to draw a direct correlation between occupation and development of coronary artery disease and subsequently heart attack."
13) Due to progressive chest discomfort and shortness of breath, Claimant underwent another cardiac catheterization at St. Joseph Hospital (Exhibit E) on February 7, 2002 that showed very severe failure of one of the previously placed grafts. A standard stenting procedure was suggested. An angioplasty and placement of a stent was performed, after which Claimant suffered an intracranial bleed. Surgeons that same day then performed a right femoral temporal parietal craniotomy with evacuation of the intracranial hematoma and subdural hematoma.
14) Medical records from SSM Rehabilitation (Exhibit G) and Dr. Mary Ellen Kleinhenz (Exhibit F) document his recovery from the significant neurological damage caused by the intracranial bleed.
15) Claimant clearly had very limited physical capabilities at the time of his testimony at the hearing. Even before the stroke, he said that the heart attack kept him from being able to walk very far or carry heavy loads. He said the stroke had paralyzed his right side and he was blind in the right eye. He admitted he had pretty good vision in the left eye. He cannot drive. He cannot walk unassisted. In order to move around, he needs a walker or his electric wheelchair. He requires assistance at home to use the bathroom, shower, dress and make his meals. He has no use of the right arm and he said that if his wife was not there, he would need a caregiver. His speech is clearly affected, but his hearing is unaffected. His daily activities now consist of watching television or listening to books on tape. He does no outside activities except sitting on the patio.
16) Mrs. Olden confirmed that her husband has severely limited abilities. She said that he has judgment issues, reverses things (up/down or on/off), has difficulty following directions, and his desires do not match up with his physical abilities. She said this has affected his mood and personality, but she noted that his memory is excellent.
17) Following the heart attack, while Claimant was off work, he received short term disability payments for the first three months (until December 29, 2000) and then long term disability payments of $\ 2,300.00 per month from that date until he turns age 65 .
18) Dr. Stephen Schuman testified by deposition on Claimant's behalf on August 24, 2005 in order to make his opinions in this case admissible at hearing. (Exhibit J) Dr. Schuman is Board Certified in Internal Medicine and Cardiology. (Exhibit I) Dr. Schuman was given a history of Claimant working 60 hours a week, and was also told that he was under a lot of pressure to keep up sales and justify his position with the company. He noted that when
Claimant got home on September 28, 2000, after being stuck in traffic from the airport, he looked pale and so his wife immediately called 911. Mrs. Olden told Dr. Schuman that they were told Claimant may have had a heart attack a year prior to September 28, 2000 because he was having chest pain, but the doctor just told him to take Maalox. Dr. Schuman noted that Claimant had a family history of vascular disease at older ages. He was under the impression that Claimant's father died from a heart attack at age 78 and a brother had one at age 73. (The records of St. John's indicate the father's age was 62, and the ambulance records indicate he was in his 50s.) Claimant recalled a history of high cholesterol, but not hypertension. He also admitted to a pack a day smoking habit for 22 years. He quit about 19 years prior to the heart attack.
19) After taking this history, performing a physical examination and reviewing the medical records, Dr. Schuman concluded Claimant's work was mentally stressful with significant physical exertion from carrying heavy luggage. He opined that the combination of these stresses would be substantial and would be a substantial factor in this acute heart attack. He opined that the heart attack in and of itself would be totally disabling. He believed the risk factors were then more difficult to control following the heart attack, requiring the additional surgical procedures and thus resulting in the stroke that further disabled him. In his opinion, Claimant was permanently and totally disabled.
20) On cross-examination, Dr. Schuman admitted that Claimant had coronary artery disease prior to September 2000. He also admitted that the disease progressed at a rate influenced by the cardiac risk factors Claimant had. He agreed that being male and 55 years old were both risk factors Claimant had. Dr. Schuman did not think Claimant had a positive family history for heart disease as a risk factor based on the age he was told when Claimant's father had the heart attack, but he had to admit that if the ages in the medical records were correct as opposed to his, then perhaps Claimant did have a positive family history. He admitted that there was a discrepancy between his report and the other records regarding whether or not he previously had hypertension, but Dr. Schuman did not think it mattered. He explained that while Claimant did have pre-existing coronary artery disease and the risk factors would go to how that disease progressed, "the causation of an MI is sometimes due to stress" and he believed in this case the heart attack was caused by the work stress Claimant described. He did admit that as far as risk factors are concerned, Claimant was positive for just about every one except diabetes.
21) Dr. Keith Mankowitz testified by deposition on Employer's behalf on September 30, 2005 in order to make his opinions in this case admissible at hearing. (Exhibit 1) Dr. Mankowitz is Board Certified in Internal Medicine and Cardiology, and he is an Assistant Professor of Medicine at Washington University School of Medicine. In his first report, after review of the extensive medical treatment records in this case, Dr. Mankowitz found that Claimant had multiple coronary risk factors and was having angina for some time prior to the myocardial infarction on September 28, 2000. He opined that Claimant developed coronary artery disease as a result of these risk factors and further developed an aggressive form of atherosclerosis as evidenced by the repeat blockages within months of his bypass surgeries. Dr. Mankowitz explained that occupational stress is very unlikely to cause significant atherosclerosis. He opined that "the development of his myocardial infarction was the inevitable consequence of his severe coronary blockages and at some time period around September, 2000, Mr. Olden would have suffered a myocardial infarction regardless of whether he was at home or at work."
22) In a subsequent report dated September 19, 2005, Dr. Mankowitz further explained the physiology behind the myocardial infarction and why it supported his opinion in this case. He explained that the vessel responsible for the myocardial infarction was the distal right coronary artery. When testing was done on September 29, 2000, Claimant had high grade narrowing of all 3 coronary arteries which Dr. Mankowitz believed was the reason more likely than not why he had been experiencing chest pain in the days, months and year prior to the heart attack on September 28, 2000.
23) Dr. Mankowitz explained in his deposition that the grafts surgically placed in the vessels should have lasted approximately 10 years, but in this case they only lasted about 3 months before they were blocked again and causing physical complaints. He said this was further evidence of the aggressiveness of the coronary artery disease and also further evidence to show how susceptible he was to blockages in his vessels because of that disease. He opined that it was unlikely that the mental stress or even the physical stress that day caused the occlusion of the coronary artery. He did not believe they were substantial factors in the heart attack. He further described Claimant as a "walking time bomb", and believed that he was going to have the heart attack at this point in his life based on the severity of the disease. Finally, Dr. Mankowitz opined since Claimant reported the chest pain woke him up, he was fairly certain that he was having the heart attack at home when he was lying down. Dr. Mankowitz did not believe someone could go to sleep while having a heart attack because of the pain, but the pain certainly could wake you up from a sleep.