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Board affirms benefits in infection case that led to arm amputation - Business Insurance Skip to content Register for free Search Search Log In Risk Management Cyber Risks Pricing Trends Mergers & Acquisitions Technology Sponsored Content WSIA RISKWORLD Workers Comp & Safety Workers Comp Cost Control Pain Management Workplace Safety International EMEA Asia-Pacific Latin America People Events BI Intelligence Top 100 Agents & Brokers Best Places to Work 2025 Lists Directories Insurance Pricing BI Stock Index Magazine Current Issue Past Issues Subscribe Women to Watch ALL INsurance Resources Risk Perspectives Sponsored Content Webinars White Papers Risk Management Cyber Risks Pricing Trends Mergers & Acquisitions Technology Sponsored Content WSIA RISKWORLD Workers Comp & Safety Workers Comp Cost Control Pain Management Workplace Safety International EMEA Asia-Pacific Latin America People Events BI Intelligence Top 100 Agents & Brokers Best Places to Work 2025 Lists Directories Insurance Pricing BI Stock Index Magazine Current Issue Past Issues Subscribe Women to Watch ALL INsurance Resources Risk Perspectives Sponsored Content Webinars White Papers Risk Management Cyber Risks Pricing Trends Mergers & Acquisitions Technology Sponsored Content WSIA RISKWORLD Workers Comp & Safety Workers Comp Cost Control Pain Management Workplace Safety International EMEA Asia-Pacific Latin America People Events BI Intelligence Top 100 Agents & Brokers Best Places to Work 2025 Lists Directories Insurance Pricing BI Stock Index Magazine Current Issue Past Issues Subscribe Women to Watch ALL INsurance Resources Risk Perspectives Sponsored Content Webinars White Papers Risk Management Cyber Risks Pricing Trends Mergers & Acquisitions Technology Sponsored Content WSIA RISKWORLD Workers Comp & Safety Workers Comp Cost Control Pain Management Workplace Safety International EMEA Asia-Pacific Latin America People Events BI Intelligence Top 100 Agents & Brokers Best Places to Work 2025 Lists Directories Insurance Pricing BI Stock Index Magazine Current Issue Past Issues Subscribe Women to Watch ALL INsurance Resources Risk Perspectives Sponsored Content Webinars White Papers Board affirms benefits in infection case that led to arm amputation by Louise Esola Claims Disputes , Workers Comp Coverage , Workplace Safety Mar 6, 2026 A Tennessee appeals board on Thursday affirmed a ruling that a truck driver who developed a severe infection after suffering a cut at work is likely entitled to workers compensation benefits, including medical care related to an arm amputation, but failed to prove disability. In Gandy v. Marten Transport Ltd . , the Tennessee Workers’ Compensation Appeals Board upheld a trial court’s finding that the employee’s infection and resulting amputation were primarily caused by a workplace injury, though it modified parts of the order and vacated a preliminary award of temporary disability benefits. The case involves Terry Gandy, a truck driver who alleged he scratched his arm on trailer components while making deliveries in April 2023. Over the following days he became severely ill, and doctors later determined he had developed necrotizing fasciitis — a rare but dangerous flesh-eating bacterial infection — caused by group A streptococcus. Mr. Gandy was transported to Vanderbilt University Medical Center, where surgeons amputated his left arm and treated infection in his right arm. His medical bills exceeded $700,000. The employer denied the claim, arguing the infection was primarily caused by the driver’s underlying health conditions, including vascular disease, smoking and cancer, and not the alleged workplace injury. The appeals board affirmed the lower court’s conclusion that the worker is likely to prevail in proving that a cut sustained at work was the primary cause of the infection and subsequent amputation. The panel noted that even if the employee’s preexisting health conditions contributed to the severity of the infection, Tennessee law holds that employers take workers “as is” and remain responsible for injuries primarily caused by workplace accidents. The board also affirmed the worker’s entitlement to past and future medical benefits related to the injury, including treatment with an infectious disease specialist and a panel of psychiatrists to address depression following the amputation. However, the board vacated the trial court’s preliminary award of temporary total disability benefits, finding insufficient evidence in the record — including the absence of wage information and medical proof addressing the employee’s ability to work. The case was remanded for further proceedings. 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