On April 4, 2012, applicant Eugene Zhang, 51, a maintenance supervisor for Grandland International Inc., was in the course and scope of his employment when he fell several feet from a ladder. He claimed to his skull, back, neck, shoulders, and upper extremities. Zhang filed a workers’ compensation claim against his employer, Grandland International; his employer’s insurer Castlepoint International Insurance; and the administrator of the insurance, Amtrust North America. Zhang brought a claim against the companies in an attempt to collect workers’ compensation benefits., Zhang sustained a traumatic brain injury and other serious polytrauma. He was subsequently transported to Los Angeles County+USC Medical Center, in Los Angeles, where he underwent a craniotomy that same day due to the seriousness of his brain , which included numerous brain bleeds. Zhang was also diagnosed with a spinal cord hemorrhage, cord compression, drug-induced hyperglycemia, hypotension, epidural hematoma, urinary and bowel dysfunction, right arm weakness, right leg weakness, and an inability to balance or walk. As a result, he was hospitalized for over two weeks. He ultimately underwent a cervical laminoplasty at the C3-4, C4-5 and C5-6 levels. Zhang was then transferred to an inpatient neurorehabilitation facility, where he underwent extensive neurorehabilitation. Zhang’s counsel, with the help of medical experts in neuropsychology and physiatry, was able get Zhang admitted into the long-term, inpatient program at Casa Colina Centers for Rehabilitation, in Podoma. Zhang claimed that as a result of his traumatic brain injury, he suffers from traumatic headaches, neuropathic pain, cognitive deficits, depression, anxiety, and other behavioral issues, as well as vestibular dysfunction. Zhang’s counsel and medical experts opined that Zhang would require lifelong care in a structured living environment and medical care from multiple specialists. Initially, the defendants disputed the nature and extent of Zhang’s and contended that Zhang was not 100 percent permanently and totally disabled. The defendants also disputed whether Zhang would require long-term, inpatient care at a neuro-rehabilitation facility.