CARDINAL FREIGHT FLEET CLARENDON NATIONAL INSURANCE COMPANY PROTECTIVE INSURANCE COMPANY SS DELIVERY VAN LINER INSURANCE COMPANY SATBIR SINGH WORKERS’ COMPENSATION APPEALS BOARDSTATE OF CALIFORNIASATBIR SINGH, Applicant,vs.CARDINAL FREIGHT FLEET; CLARENDONNATIONAL INSURANCE COMPANY;PROTECTIVE INSURANCE COMPANY; SSDELIVERY; VAN LINER INSURANCECOMPANY, Defendants.Case Nos. ADJ7027968ADJS681902ADJ7028675(Sacramento District Office)OPINION AND DECISIONAFTER RECONSIDERATION On January 22, 2014, we granted reconsideration in order to allow us time to further study the factual and legal issues in this case. We now issue our Opinion and Decision After Reconsideration. Applicant (in all three cases), defendant Clarendon National Insurance Company (Clarendon) (in Case Nos. ADJ568190 2 and ADJ7028675), and defendant Protective Insurance Company (Protective) (in Case No. ADJ7028675) seek reconsideration of the decisions issued by the Workers’ Compensation Administrative Law Judge (WCJ) on November 1, 2013. In Case No. ADJ5681902, the WCJ found that applicant sustained admitted industrial injury to his head, neck, back, shoulders, psyche, and digestive system while employed as a truck loader on July 17, 2002 by Cardinal Freight Fleet (Cardinal), insured by Clarendon; that applicant did not sustain industrial injury to his wrist or injury in the form of carpal tunnel syndrome, hearing loss, blurred vision, sleep disorder, or dizziness; that applicant’s average weekly wage was $735.03; that there is no substantial evidence that applicant was temporarily totally disabled from May 19, 2010 and following; that the injury herein caused 35% permanent disability after apportionment; that applicant is in need of further medical treatment to cure or relieve from the effects of this injury, except the digestive system, which is deferred; and that the psyche injury is not compensable. The A ward in this case was made against Clarendon and the WCJ ordered Clarendon t
