Long-Term Disability Claims

Filling out a long-term disability claim application is more complicated than expected. Insurance companies are trying to protect themselves from fraud, which is reasonable for any person, but that means that protection often leaves out people that desperately need the help the insurance company promised them. People often have their valid claims denied because there is a specific way they must fill out the form. This is where a victim should call a long-term disability claim lawyer for legal advice to make sure their claim is airtight.

A person can claim long-term disability if any of the following has left them unable to work:

  • Suffer an illness that severely impacted their health
  • Injury, may be from a car accident or onsite hazard
  • Mental condition

All of the above can affect a person’s life so negatively that they are left unable to work for months at a time. The reason they took out the specific insurance they have was to make sure they covered all their expenses in case the worst happened.

Then the worst happened and the company did not follow through. Hiring attorneys with a specialized background in disability claims is the best idea because the victim needs time to heal and focus on their health and well-being, but the claim need to be handled immediately. Organizing all the necessary information, doing the research, and putting it together in a coherent, sound legal argument against a large insurance company takes focus and knowledge that the victim just does not have time for at the moment.

Hiring an attorney, even just to look over a few documents if the claim is small, is a better idea than getting caught in a tangled web of documents after getting denied for a simple clerical error.

Common Child Accidents Caused by Adult Negligence

It can be argued that children are inherently at risk of accidents and injuries. First, they have the tendency to be too curious and reckless. Second, they may be mentally limited to be aware of the hazards around them. Third, they may be physically limited to protect themselves, even if they are aware of the possible dangers.
As the fully functioning adult, you should be the one responsible of ensuring the safety of children. In fact, according to the website of The Benton Law Firm, children who have been injured because of somebody else may take legal action, such as trying to get compensation from the damages. So, you are not just morally obligated to protect children, as you are also legally obligated to avoid injuring children through negligence and recklessness.

Burning Accidents

Children should be supervised at all times, especially if they are around objects that can potentially burn them, such as heated pots and boiling water in the kitchen, electronic devices, faulty wiring systems, and fire sources such as matches and lighters.

Defective Child Products

You should also be wary of the childcare products and toys you give to children, because they may have defects that can potentially harm them. Age-inappropriate toys, choking hazards, and products with dangerous materials are some of the most common dangers associated with childcare products and toys.

Dog Bites

You dog should also not be too accessible to children, because these children may do behaviors that may trigger a violent reaction from the dog, such as petting it when it doesn’t feel well or trying to get its possessions.

Drowning

Swimming pools should have barriers around them so children attracted to the water will not accidentally fall. Adults who have children with them near water should also be mindful of their children’s actions.

Playground Accidents

Playgrounds may be recreational spaces, but they can be places for accidents, like when playground equipment, such as seesaws, slides, and swings, malfunction and injure children. In these instances, the owner, supervisor, or maintenance provider of the playground may be held liable.

How A Criminal Conviction Affects Your Life

Aside from the penalties such as fines, license suspensions, and jail times, a criminal conviction have consequences in your life that affect your future. They are not easy to deal with, especially if the conviction has been unfair.

For this reason, facing criminal charges is something you should take seriously, and you should get the help of legal professionals to minimize their impact to your life and future. Below are some of the other consequences of criminal convictions.

Employment Issues
There are companies that do not want employees who have criminal records, and they have the right to fire you immediately, even if you are just about to miss work to defend yourself. It will also be harder to find future employment opportunities because companies also look for people who have no criminal records. They tend to be biased towards those who have.

Financial Costs
First off, you will most likely cover some court-related costs, which can go up to thousands upon thousands of dollars. This does not include possible fines and penalties if you have been proven guilty. The other effects of convictions, such as the limited employment opportunities, can also have a financial toll on you.

Liberties Restrictions
Those who have criminal convictions also have limited civil liberties, whose scope may depend on the type of crime and the state’s laws. For example, there are states that prohibit those who have been convicted of a felony from voting, owning a firearm, or practicing law.

Privilege Restrictions
Some convictions also take away your privileges. For example, if you have been convicted of driving under the influence of alcohol or drugs, the court has the right to suspend or revoke your license, taking away your legal privilege of driving. These restrictions can affect not just the comfort of doing things, but also your general lifestyle.

Reputation Damages
A criminal conviction affects how others see you, and this may result to discriminatory behavior on the part of society. This may also translate to limited opportunities, such as in employment and housing. Damages in your reputation can also affect your relationship with family, friends, and all the other people around you.

Revealing The Common Side Effects of Taxotere

Taxotere is a chemotherapy drug used in the treatment of most cancers especially breast cancer. The objective of most chemotherapy drugs is to eradicate or slow down the growth of cancer cells without the risk of permanent side effects. Taxotere is associated with a wide range of side effects but one such consequence has been a subject of defective drug lawsuits against Sanofi Aventis, the manufacturer of Taxotere.

In a survey involving cancer patients, taxotere caused bone pain and muscle aches. Some claim that their arms and legs ache while others feel pain in their neck, back, and shoulder. Taxotere is also associated with neuropathy resulting to numbness and a tingy feeling in the feet and hands. It may also cause diarrhea, stomatitis, thinning of nails, and nail hyperpigmentation. The side effects of taxotere are individual and dosage dependent.

One of the most controversial side effects of taxotere that has put its manufacturer Sanofi Aventis in hot water is permanent alopecia. Although hair loss is common in cancer patients undergoing chemotherapy, the hair loss associated with taxotere is quite different. According to the website of Williams Kherkher, approximately 10 – 15% of women who used Taxotere reported no hair growth for as long as ten years after treatment is no longer undergoing.

The side effect of permanent alopecia has been one of the main issues raised in lawsuits against the manufacturer of the drug. Most of the cases filed by cancer patients revolve around the failure of Sanofi to indicate in their warning label such risks. For most of those who suffered from the hair loss, their condition is considered as “disfiguring” for them and has affected their quality of life. Aside from the impact it can have on body image, the permanent hair loss could also have an impact on the family of the patient.

Why Criminal Defense Lawyers Do What They Do

According to one criminal defense lawyer, there are always reasons why people do what they do. These include protecting the rights of those accused of a serious crime, such as murder, sexual abuse, child molestation, robbery, a drug-related crime, and so forth.

Some may debate about it and disagree but, as clearly pointed out by the Horst Law Firm, “Protecting the rights of the guilty as well as the innocent is essential to maintaining liberty.”

Well, ask yourself, if you were the one charged with a serious crime, would you not need the a good and strong defense to protect your rights and interests, and prove your innocence?

Still according to the Horst Law firm, not all individuals who are charged with crimes by the government are guilty. Rarely does the “system” intentionally arrest and charge an innocent person but false allegations by vindictive spouses, business partners, angry family members, or others with a motive to make false allegations are sometimes made. Also, sometimes a person just finds himself/herself in the wrong circumstances which, at first appearance, make him/her look guilty of a crime, such as having that one glass of wine with dinner and, when stopped on the way home, the cop smells the odor of alcohol.

Being accused of a crime can result to serious damages to one’s professional and personal reputation. A conviction, however, will affect all other professional and personal concerns, despite having spent time behind bars and paying costly fines.

Those who have been convicted of a crime, even after they are released, seldom get the chance to live the kind of worry-free lives that they once enjoyed. For no matter how great the punishments they have undergone for the crimes that they have been convicted of, the accusation and conviction will be a mark that will: hinder employers from hiring them; prevent landlords from leasing to them a place to live in; never earn for them government permission to travel internationally; deny them child custody and probably even visitation rights; and, cause in them many other forms of limitations and inconveniences.

Criminal defense lawyers are fully aware of the psychological burden suffered by those convicted of a crime. They know how the accused person’s relationships in the workplace and in the community can suddenly change. Simply put, any criminal charge can ruin a person’s future.

Getting charged with a very serious crime necessitates only the most competitive and experienced criminal defense lawyer who would be ready with evidences (products of weeks of deeper investigation regarding the case) that will help prove the innocence of the accused, counter-arguments and an effective tactic that will depose witnesses from the opposing side. Not all lawyers have the same competitive leverage; thus, it is necessary that the accused finds only a defense lawyer who could provide him/her with the kind of representation that he/she needs.

What Are The Medical Costs Associated With Car Accidents?

Everyday millions of people get injured or die in car accidents. After the crash, the people who were involved in the accident would require medical attention for the injuries they sustained. According to a report by the National Highway Traffic Safety Administration (NHTSA), medical costs and lost productivity accounted for 82 percent of expenses for non-fatal injuries in 2010. In that same year, present and future medical costs due to injuries amounted to $23.4 billion.

According to the website of Schuler, Halvorson, Weisser, Zoeller and Overbeck, P.A., medical costs can vary depending on the extent of injury. The expenses can increase for severe injuries as they may have to undego x-rays, CT scans, physical therapy and others. According to the Centers for Disease Control and Prevention, the cost of medical care and productivity losses associated with injuries from motor vehicle accidents breached $80 billion in 2012.

The average cost of medical care associated with car accidents is dependent on factors unique to each case. The speed of the vehicle, the extent of the injury, and whether the accident involved a pedestrian or motorcycle will have an effect on the total cost. Depending on eac h case, medical bills may cost from a couple of hundred dollars to as much as hundred thousand dollars. Figures from the Insurance Information Association placed expenses at an average of $15,443. So it is important to have legal representation to ensure proper compensation.

In order to defray potential medical expenses, some insurance companies offer personal injury protection (PIP) in their offerings. This type of insurance will pay for any medical expenses that you may incur up to the policy’s limits even if you were at fault. Injuries may range from minor such as cuts and bruises to serious which can be paralysis or permanent disability. For the latter, this may require physical or cognitive therapy (in the case of brain injury).

Will Your Dog Bite?

Each year, dog bites account for numerous emergency department visits and hospital stays in the country. Apart from physical injuries, dog bite victims may also have to deal with the trauma that the event had caused. A person bitten by a dog may develop extreme fear of dogs, and may easily be frightened or feel anxious even at the slightest sound of a dog bark. According to the website of the Law Offices of Ronald J. Resmini, LTD, some cases of dog bites can be too traumatic that they may even cause post-traumatic stress disorder, an anxiety disorder that can affect a person’s day-to-day function.

Physical and psychological injuries are just some of the many things a victim should have to face after an attack. According to studies, a person bitten by a dog would have to spend more than $18,000 for hospital stay, which is approximately 50% higher than the cost of hospital stays not associated with dog bites. For severe dog bites that resulted in irreversible injury, the medical cost could be higher.

If you own a dog or are living with someone who owns one, it is always important to check your pet’s propensity to do harm. This way, you can avoid unprecedented medical bills and possible legal troubles by mitigating your dog’s risk. Here are the factors that might tell whether the dog is more prone to attack a person or not:

  • Gender – Male dogs are 6.2 times more likely to bite than female dogs.
  • Use of chain – Chained dogs are 2.8 times more likely to bite when freed as compared to those who are unchained.
  • Neutered – Intact dogs are more likely to bite than spayed or neutered.
  • Breeds – Among the most dangerous dog breeds are Pit Bull, Rottweiler, Husky, German Shepherds, Alaskan Malamutes, Doberman Pinschers, Chow Chows, Great Danes, Boxers and Akitas.
  • Place of attack – Most attacks happen in public places (i.e., sidewalk, alley, park or playground), while some attacks happen in the owner’s yard or house. Rarely, attacks happen inside the victim’s premises.

Protecting Children from Dangerous Toys and Products

The last year saw the U.S. Consumer Product Safety Commission or CPSC issue around 17 million recalls for toys, childcare items, and other products intended for the use of children. Items such as cribs, play sets, baby carriers, car seats, and clothes were among the millions of items pulled out of the market for failing to meet the safety standards imposed by the government through the Consumer Product Safety improvement Act of 2008.

The strict policies imposed on the regulation of toys and other child-intended products come as a result of a tragic accident involving a 16-month old baby boy in 1998. Danny Keysar was found by his parents strangled and suffocated underneath a Playskool Travel-Lite crib that had collapsed on top of him. Even when the crib in question had already been recalled by the CPSC 5 years prior to Danny’s accident, it was clear that the safety nets weren’t enough to ensure that these defective and dangerous products don’t cause further harm to the public.

Through the efforts of Baby Danny’s parents, the U.S. Congress had eventually passed a bill to address this very issue. The Consumer Product Safety Improvement Act of 2008, also nicknamed ‘Danny’s Law’ was passed by the congress as a way to establish better policies regarding the safety of products release in the market, especially those intended for the use and care of children. Among the mandates included in this law is the issuing of registration cards that come with products purchased after June of 2010. With these cards, manufacturers are able to contact customers immediately should a certain product need to be recalled.

As it says on this website, product liability cases are a great cause for concern. Dangerous and defective products can cause so much harm, leading to serious injuries that could very well affect victims for a significant period of time. As a result, it’s important that those in such a situation reach out appropriate legal counsel to learn more about the steps they can take to pursue just compensation.

What to Do When in Madison, Wisconsin

Often referred to as the City of Lakes, Madison is well-known for its glacial waterways and picturesque setting. The lakes surrounding the area—Mendota, Monona, Wingra, Kegonsa, and Waubesa—ensure that visitors will be greeted with breathtaking sights and landscapes. It also boasts a diverse population that allows the area to have the feel of both a big, active city and a laid-back rural town. These are just some of the few attractions and activities that Madison has to offer.

The Wisconsin State Capitol towers at the heart of the city. Its architecture was patterned from Washington’s Capitol building and features a dome that is 284 feet high. The interiors boast murals and stone work following European styles, as well as a majestic skylight. Just nearby, you can catch local farmers selling their produce in weekend markets at the Capitol Square during the summer months.

Further down from the Wisconsin State Capitol, you will catch a glimpse of one of Madison’s surrounding lakes. You can observe the entire view of Lake Monona by coming to the Monona Terrace Community and Convention Center. There, you can climb to the rooftop terrace and take in one of Madison’s most noteworthy scenes.

Visitors looking to learn more about Madison’s culture and history can drop by the sprawling University of Wisconsin campus. Because the city is often considered a college town, a walk through the campus can help you witness the cultural diversity that brings life and interest to Madison. One important place you need to see there is the university’s Arboretum and Geology Museum. There, you can see well-preserved ecological systems and a variety of flora.

Protecting Items in Temperature-Controlled Storage

Deciding on which storage facility to put pack your things into can be confusing and even complicated to many people. There are some things to consider when finding the right storage facility, and in order to get the best from your money (as well as keeping your valuables and important stuff safe), you have to know which ones are secured and can protect your belongings. One of the most important things to consider is finding a storage facility that would provide you with good services and have a pleasant relationship with.

First, you have to think about the type of storage unit you are going to need. This will depend on the amount of valuables you are planning to store, and whether there are fragile things that might need specific requirements. You might want storage units that can provide protection to your temperature- sensitive items. Some storage units can give such services and can save you money. If you are planning to simply store your stuff in the storage unit and not needing to get items from time to time, you can find a small one with just enough space to put everything inside. However, if you are planning to take some stuff every now and then, make sure to get a storage unit that can give you space to move about. Don’t end up needing to take the box at the very back of the unit under a stack of other boxes.

There is also the matter of finding a storage facility that offers great security and monitoring. Although the common garage-style storage units already offer security, those such as climate controlled storage units at Pond Springs Mini Storage will not only provide protection for your temperature-sensitive items, but since they are indoors they offer tighter protection from theft and damages.

Likewise, consider talking with the storage facility about insurance coverage, and whether your items are covered in cases of emergency. If not, think about buying an insurance policy to protect your items in the storage unit, whether from a third party company or from the storage facility themselves.

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