is a case in which Roberta Francine Young, the applicant, sought reconsideration of a decision denying her petition for commutation of benefits. The Workers' Compensation Appeals Board denied the petition, finding that the applicant's current income of $4,250 was not enough to cover her monthly expenses of $2,750 after purchasing a home, and that she would have a net loss of monthly income. The Board also noted that the applicant's cognitive disability may impair her financial decision making and suggested that she seek assistance in sorting out her financial obligations.

COUNTY OF MONTEREY, LIBERTY MUTUAL INSURANCE GROUP ROBERTA FRANCINE YOUNG WORKERS’ COMPENSATION APPEALS BOARDSTATE OF CALIFORNIAROBERTA FRANCINE YOUNG, Applicant,vs.COUNTY OF MONTEREY, LIBERTY MUTUAL INSURANCE GROUP, Defendants.Case No. ADJ2969875 (SAL 0094766)OPINION AND ORDER DENYING PETITION FOR RECONSIDERATION            Applicant seeks reconsideration of the Findings and Order issued August 23, 2012, wherein the workers’ compensation administrative law judge (WCJ) found that there was no good cause to grant applicant’s Petition for Commutation and ordered that the petition was denied. In the Report and Recommendation on Petition for Reconsideration (Report), the WCJ summarized the evidentiary record concerning applicant’s petition for commutation of benefits:   “Applicant’s current monthly expenses amount to approximately $4,250.  This conclusion is based on the fact that applicant has not been able to  save any money but she has been able to meet her monthly expenses based  on her current monthly income of $4,250. If a commutation is granted,  applicant will reduce her monthly expenses by the amount of $2,350  because she will no longer be making rent payments nor will she have the  expense of the storage unit where she currently stores furniture and other  household items. After subtracting $2,350 from her current expenses of  $4,250, applicant’s net expenses will amount to $1,900. In addition,  applicant will be facing the following expenses as part of owning a  residence: $350 for PG&E, $125 for water, $30 for garbage, $60 for  homeowners insurance, $300 for property taxes. (Summary of Evidence,  supra, p. 4: 6-8; and p. 7: 9-12.) This means that applicant’s monthly  expenses after purchasing the house will be $2,750 ($1900 from previous  monthly expenses plus $865 of additional expenses). Applicant’s monthly  income will be reduced by approximately $1,665 since she will no longer  be receiving workers’ compensation payments. Her current income will  only b

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