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Regardless of whether it may be because of sickness or injury, many workers have benefited from having long-term disability insurance. This is a type of insurance policy that covers the worker when worker’s compensation does not apply, and only kicks in once the short-term disability has stopped. The long-term disability insurance acts as a buffer to cover your lost income if you are not able to return to work for a significant amount of time, although it is not a replacement for your actual salary.
Most people are not really aware or do not understand how long-term disability works. Certain rules and regulations regarding long-term disability insurance can make it difficult to acquire, which is why knowing more information about it could help in getting the best of this disability benefit.
A great majority of workers believe they don’t really need to have long-term disability. This is not true, as research has revealed one in four workers (aged 20 years old or older) are at risk of permanent disability before reaching 67 years old. Having a back-up insurance can help you prepare for your future should an injury cause you a long-term disability. This insurance benefit is not only for men but also for women. It is also not the same as worker’s compensation, since worker’s compensation covers for lost income due to injuries that happened because of or while performing work, and during working hours.
Younger workers also believe they are too young to consider it, but data from 2009-2012 has shown that 41% of beneficiaries of long-term disability insurance have been those from age 50, and a third were from 40 and below. If you are not capable of paying the voluntary worker’s benefit, then you can ask your employer for options if they offer an employer fully paid plan or shared cost plan. Getting an individual disability insurance can be a bit steep on the budget, so better to inquire with your employer if they can offer you any additional coverage.
Accidents or sickness can occur anytime, therefore having long-term disability benefit can lower your physical, emotional, and financial stress should an uneventful thing happens.
In 2009, Swiss-based Company, Hoffman-LaRoche pulled the brand name acne treatment, Accutane, from the United States drug market. The company claimed the extraction of the brand name was a business decision, based on the prevalence of generic forms like Isotretinoin. The sales of generic versions of Accutane rendered it less profitable for the company to keep distributing and selling it in the United States. People were suspicious that Hoffman-LaRoche pulled the product after an abundance of complaints were filed against the medication for causing severe and persistent intestinal issues in people that had taken one or more rounds of the prescription.
According to a study presented to the American College of Gastroenterology, users of Accutane (and its generic predecessors) had a much higher likelihood of developing Inflammatory Bowel Disease (IBD) and related conditions. Inflammatory Bowel Disease can consist of two conditions, ulcerative colitis and Chrohn’s Disease. Ulcerative colitis causes lesions to the lining of the large intestine and colon. Symptoms of ulcerative colitis include abdominal cramping, diarrhea, fever, rectal discomfort, weight loss and unusual stool. Another form of ulcerative colitis that affects only the rectum is called ulcerative proctitis. In many cases, this condition shares the same symptoms as ulcerative colitis. Patients can require procedures as extreme as removing part of the colon. Some severe cases demand that the entire colon be removed.
Another condition related to Inflammatory Bowel Disease is Chrohn’s Disease. This condition causes inflammation along the tissue of the digestive tract. In addition to extreme discomfort, Chrohn’s Disease can lead to persistent diarrhea and malnutrition. Chrohn’s affects differing areas of the digestive tract in each patient. Previous Accutane users usually notice symptoms of Inflammatory Bowel conditions years after their last round of pills. The study presented at the American College of Gastroenterology mentioned that the risk for developing ulcerative colitis was nearly 5 times higher for people who have taken a form of Accutane.
It can be difficult to keep your carpet completely clean and spotless, especially when it comes to light colored carpet. Kids can bring dirt in after playing, you could have a tired puppy coming in from a run, and other shoes can track all sorts of dirt and debris into your home, meaning stains and spot damage can occur far too easily. Once dirt from the outside is in the home, it can get pushed deep into carpet fibers if it is not cleaned immediately. Fortunately, there are some tips and tricks for keeping your carpet maintained regularly so that it will look cleaner and last longer.
1. Vacuuming daily in high traffic places, such as living rooms or hallways, can be beneficial since everyday use of the carpet can push dirt deep into the carpet. Vacuuming in places like bedrooms can be done every two or three days since there is typically less traffic.
2. Carpet stain removal should occur the moment an accident happens if possible, because a stain becomes much more difficult to remove the longer it sits. When liquids are spilled, it is important to blot them up with a paper towel and avoid rubbing the liquid deeper into your carpet. Once that is taken care of, stain removal can begin. Spray stain removal solution directly onto the affected area, then use paper towels to blot the stain in a circular motion, moving inward. When the stain looks like it is gone, rinse the area with water in order to get rid of any chemical residue. Unfortunately, not all stains are the same, so they cannot all be cleaned easily. In those cases, you might need to hire an Austin carpet cleaner to deal with it.
3. Another easy way to maintain your carpet is not to allow others to walk on your carpet in shoes. Shoes can track in dirt, and wearing them inside means that outside materials can become an unwanted addition to your carpet.
There is a common belief that any type of disability will qualify you for Social Security Disability Insurance (SSDI). This is not true at all. SSDI will only be approved for people who are totally disabled over the long term; people who have partial or short-term disability are not qualified to receive SSDI benefits. If you have partial disability or a disability not expected to last more than 12 months and have been told that you may qualify for SSDI, don’t waste your time in making a claim. Experienced SSDI lawyers at the Disparti Law Group, P.A. in Chicago will tell you the same thing.
This does not mean that there are no programs that will apply to people with partial or short-term disability; it just isn’t under Social Security. According to disability lawyers from the Chicago-based Disparti Law Group, P.A., you will probably need guidance when it comes to short-term disability. Depending on the reason for it, you may have several avenues that you may want to explore.
Workers’ compensation benefits in Illinois will definitely kick in if you have been gainfully employed for the requisite number of work credits, and your disability is due job-related activity. Unfortunately, there is no state-funded program specifically for short-term disability in Illinois such as is available in California, New Jersey, New York, Rhode Island, Hawaii and Puerto Rico but there may be other programs available to you that could help in your time of short-lived but very real financial distress.
If you are in Chicago and find yourself afflicted by short-term disability, you need to consult with a disability lawyer in the area who has the breadth of experience and requisite knowledge to put you on the right track for financial assistance. Don’t miss out on an opportunity to get assistance because you did not know what the available programs are.
Automobile accidents are one of the leading causes of fatalities in the United States. According to the U.S. Census Bureau, there were 10.8 million motor vehicle accidents in 2009 and 35,900 motor vehicle deaths. Sadly, car accidents occur far too often and for a variety of reasons, including driver error, reckless driving, and driving while under the influence of drugs or alcohol.
Having car insurance helps to cushion the blow of the expenses incurred from being involved in an auto accident. An insurance policy provides varying levels of accident cost coverage depending on the kind of policy you purchase. According to Insure on the Spot, policies vary depending on the specific driver’s needs. For example, SR-22 insurance is necessary for drivers who are considered to be “high-risk,” and have been cited for driving without insurance or have had their license suspended or revoked. Bodily injury liability insurance is available in circumstances where a driver is likely to injure or kill another person with their vehicle, and motorcycle insurance is available for drivers who use a motorcycle as a form of transportation.
After a car accident, insured drivers who uphold policy rules and payment should receive compensation for their covered accident expenses. Legal action may be warranted if insurance companies do not uphold their responsibility to provide the coverage they have promised their customers. Bad faith suits may result from insurance company failures in cases including:
- Late or unreasonably delayed payment
- Failure to pay for legal representation
- Unreasonable coverage denial
- Failure to investigate
Since obtaining the proper coverage in the event of an accident can become a feat, it may be beneficial to contact a knowledgeable attorney who can help you to understand your policy and what compensation you may be entitled to.
Health care professionals have a certain duty to carefully follow safety guidelines in order to protect and treat their patients, but that duty of care is not always followed. According to the 2013 Medical Malpractice Payout Analysis, medical malpractice payouts totaled $3.6 billion in 2012, and infections acquired during hospital visits cost the United States health care system about $10 billion a year to treat. Since malpractice is extremely common, it’s important to arm yourself with the facts in order to avoid becoming a victim.
According to a medical malpractice attorney of Crowe & Mulvey, LLP, malpractice can occur in a variety of situations when a patient is under medical professional care. This includes:
- Improper treatment
- Birth injuries
- Surgical errors
- Pharmaceutical errors
- Hospital negligence
- Emergency room errors
Misdiagnosis is the most costly and common medical malpractice claims, with cancer, heart attack, and infections as the most common wrongly diagnosed diseases.
Hospitals are supposed to be exceptionally clean and sanitary in order to prevent sick or injured patients from developing a worsening condition. However, a recent study shows that one out of every twenty patients admitted to the hospital will pick up an infection. According to a medical malpractice attorney of the Abel Law Firm, patients are put at an unnecessary risk when doctors, nurses, or other hospital staff members fail to properly disinfect a surface or tool.
The majority of these infections are surgical site infections and infections associated with the use of central lines, catheters, and ventilators. Surgical sites are the most common infections, costing around $21,000 to treat each infection and occurring in one out of every 50 operations. The second most common infections are associated with the bacteria C. difficile, costing about $11,000 each to treat. Central line-associated blood infections average about $45,000 per case, and pneumonia infections in patients who are put on ventilators cost about $40,000 per case.
Millions of Americans are involved in auto accidents every year for reasons ranging from road defects to driver error. Sadly, many of these accidents are preventable because they involve driving while under the influence of drugs or alcohol.
Drunk driving is a significant issue in the United States. According to the Center for Disease Control, 10,228 people were killed in alcohol-impaired collisions in 2010, and over 1.4 million drivers were arrested for driving under the influence of drugs or alcohol. The lawyers of Habush Habush & Rottier S.C. explain that alcohol severely impairs a person’s ability to drive, increasing the likelihood of an accident. The effects of alcohol on driving capabilities include:
- Delayed reaction time
- Blurred vision
- Decreased control over wheel and pedals
- Decreased awareness
When people drive under the influence, they are putting others on the road at an unnecessary risk of being harmed. However, these people can be held both financially and civilly liable for the damage they cause to others as a result of their negligent behavior.
According to the National Highway Traffic Safety Administration, an exam of 254 fatally injured drivers in Michigan found that 10% of the cases tested positive for cocaine. Recreational cocaine is abused for its intense euphoric effects and perceived increase in strength, energy, and alertness. Observed behaviors of drivers under the influence of cocaine include:
- High-risk behavior
- Inattentive driving
- Turning in front of other vehicles
- Poor impulse control
- Loss of vehicle control
Drivers who use cocaine often operate under the misconception that they are more alert while driving, but that is not the case. The safest way to avoid an accident is not to operate a vehicle while under the influence of drugs or alcohol. In addition to putting yourself at risk, you also run the risk of injuring other people on or near the road.
Brain injuries can be either traumatic or acquired, and have cognitive, physical, perceptual, and behavioral symptoms. Acquired injuries often occur at the cellular level when the brain is starved of oxygen, with causes such as neurological disease, stroke, aneurysm, and choking. Traumatic injuries are caused by an external force, and according to the Center for Disease Control, falls are the leading cause of traumatic brain injury TBI). Other causes of TBI include:
- Motor vehicle accidents
- Assault/physical violence
- Sports injuries
- Direct blows to the head
According to the attorneys of Hull & Zimmerman, P.C., TBI can cause memory loss, seizures, contusions, permanent brain damage, and hematomas. Concussions are one of the most common types of brain injuries. The effects of concussions can be either temporary or permanent and include headaches, dizziness, vomiting, confusion, and labored speech. Unfortunately, there are few treatment options available aside from resting and monitoring cognitive faculties.
Motor vehicle accidents result in millions of injuries each year in the United States, making it obvious how they are the second leading cause of TBI’s. Many car accidents are caused by driver error including distracted driving, driving under the influence, and reckless driving, meaning it is often likely that a TBI is the fault of someone else. According to the Law Offices of Donald D. Guthrie, bodily injury claims are available for drivers who have incurred significant injuries, such as brain injuries, as a result of someone else’s negligence. TBI’s can be extremely costly due to extensive medical bills, rehabilitation, and lost wages. If you or someone you love has suffered a brain injury at the fault of someone else, you may be entitled to compensation for expenses, lost wages, and pain and suffering.
By law, employers have a duty to provide a safe working environment for their employees, as well as adequate safety training and equipment. This “duty” requires employers not to cause harm or put someone in a position to suffer harm. Sadly, it is possible for employers to breach and cause injury to workers by acting negligently. According to OSHA, workplace explosions and fires injure more than 5,000 workers and kill about 200 each year.
Explosions occur for a wide range of factors such as poor ventilation, accumulation of flammable gases, and failure to secure combustible materials. According to the Texas explosion attorneys of Williams Kherkher, the most common injuries resulting from explosions include:
- Severe burns
- Lung damage
- Brain injuries
- Fractures and broken bones
If you are involved in an explosion, the first thing to do is seek medical help for your injuries. After you are treated, it’s important to document the details of the accident. This includes talking to witnesses, taking photos of your injuries and the scene of the explosion, getting receipts for your injury-related expenses, and writing down any struggles or injuries you may have incurred.
Injuries as a result of an explosion can result in costly medical treatment and even disability. According to the attorneys at Robert Wilson & Associates, employers should be prepared to provide adequate workers’ compensation coverage if a worker is injured on the job. The workers’ compensation insurance company is responsible for fairly covering losses and medical bills. Unfortunately, obtaining adequate compensation for workplace injuries is not always an easy task, so it can be helpful to contact an experience attorney who can inform you of your rights and what you may be entitled to.