If you are filing for long-term disability benefits, you are likely facing a serious physical ailment, such as an injury, illness, or mental health concern. This is a time when you need to focus on your health and well-being and not on financial stress. Although long-term disability insurance is supposed to help you do just this, insurance providers often make it excessively difficult for their clients to receive the benefits they need. There is a multitude of hurdles you must overcome when filing your claim, such as providing proof of disability, which can make this process particularly long and frustrating. Additionally, many insurance companies are looking for any reason to deny a claim because this saves them money, and some companies may even illegally deny valid claims. The legal resource Penn Record recently released an article about a woman suing her insurance provider, due to these underhanded tactics.
Christine C. Hushion has chosen to pursue a lawsuit against Hartford Life Insurance because they wrongfully denied her long-term disability claim. Through her job at Exelon Corporation, Hushion had short-term and long-term disability insurance, that would cover her for two years or more if she acquired a disability. Unfortunately, Hushion acquired significant injuries to her neck, back, shoulders, and arms. These injuries created debilitating pain and Hushion required several different surgical procedures. These injuries prevented Hushion from returning to work indefinitely and led her to seek disability benefits. Although she received all necessary short-term disability benefits, Hartford Life Insurance chose to re-evaluate Hushion’s case, when she required long-term benefits. Ultimately, they chose to deny her benefits despite her continued inability to return to work. Hushion has chosen to sue Hartford, as their decision constitutes a breach of contract and a violation of the law.
Unfortunately, Hushion’s story is not uncommon, and many people must fight for their disability benefits every day. Insurance companies across the country are greedy to earn more money, and they do not seem to care who they hurt in the process. While Hushion has chosen to take legal action against her insurance provider, many others in this situation cannot or will not pursue legal recourse, due to the significant time and expense it requires. Therefore, it is important that we take steps to protect all individuals from these underhanded tactics by further regulating insurance providers’ actions.
Additionally, it is important for all individuals seeking disability benefits to understand their rights during the filing process. Disability insurance lawyers are prepared to offer services such as claim monitoring, which ensures that insurance companies treat their client’s case appropriately. These lawyers will provide the information that an insurance provider needs as well as work as a liaison between their client, doctors, and the insurance company. Claim monitoring can function as an important safeguard against illegal practices as well as simple mistakes that could impact your claim. It is essential that people filing long-term disability claims receive the benefits they deserve, and legal experts will work to protect these individuals.
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An IVC filter, also known as an inferior vena cava filter, is a medical device that is surgically implanted into a patient who is at risk of blood clots, especially those that can go to the heart and lungs. It is obvious that this device’s task is to keep a patient safe, but it is just sad that it can also be a device that can cause a patient harm.
It has been proven that there are defective IVC filters, such as the Bard G2 IVC filters, resulting into unwarranted bodily complications and Bard G2 IVC filter lawsuits. But what exactly are these defects, and what do they cause to the body?
- Device migration – The device is quite thin, so it is not surprising that it can accidentally migrate to another part of the body. If it is in another part of the body, it cannot function properly and may require long hours of retrieval, especially if the body part it has migrated to is not easily accessible.
- Filter breakage – The fragility and spider-like design of the product also puts the device vulnerable to breakage and fractures. Entire breakages can be more dangerous, because the spider-like legs can also migrate to other parts of the body, and worse, inflict damage to the migrated body part.
- Perforation – The spider-like legs of the device can pierce unsuspecting blood vessels, tissues, and even entire organs. The patient even becomes more vulnerable to perforation during device migration and filter breakage.
According to the website of the medical product lawyers of Habush Habush & Rottier, the Bard G2 IVC filter problems can result into complications, such as internal bleeding. They can also help in the formation of more blood clots, so instead of helping the patient from blood clots, the IVC filter is making the patient even more vulnerable to it.
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In 2012, the U.S. National Highway Traffic Safety Administration (NHTSA) received reports of 4,957 fatal motorcycle accidents and 93,000 non-fatal ones; the total count of motorcycle accidents that same year was 112,000.
Analysis of motorcycle accidents has shown that the ones who often got involved in accidents were riders who never received formal riding education, but learned only from friends or kin. Thus, these riders may have learned how to balance and zigzag their way through traffic (through lane-splitting), but with regard to riding safely and properly observing traffic rules and signs (as well as knowing what traffic signs actually mean), how much they know is a big question.
Every year, the number of motorcycles on the road continuously increases. Unfortunately, with many riders not skilled enough to ride safely, this increase of motorcycle presence has given rise to the number of accidents too. A motorcycle accident can either be a single vehicle motorcycle accident or multiple vehicle accident.
Single vehicle motorcycle accident, which is the most common type of motorcycle crashes, involves no other motor vehicle besides the motorcyclist himself/herself. Its causes include riding with a high blood alcohol level, riding too fast during poor weather conditions or on poor road condition, and failing to brake and maneuver properly, especially when rounding a corner. Thus, motorcyclists losing their balance and crashing into road fixtures or asphalt, or being thrown off from their bikes are not uncommon sights.
Multiple motorcycle accidents, on the other hand, though less common, usually result to more serious injuries; most are fatal too. This type of accident involves another vehicle, such as a car or worse, a truck. Of this type of accident, the worst is head-on collision, which often occurs in undivided rural highways where one vehicle, either the motorbike or the other vehicle, ends up traveling on the wrong side of the road.
Most multiple-vehicle crashes are due to car drivers either failing to notice approaching motorcycles or drivers denying motorcycles the right of way – situations that put drivers at fault during accidents. However, despite actual accident cases that verify such situations, most drivers still put the blame on motorcycle riders, saying that riders often careen in and out of traffic, putting their own and other motorists’ lives at risk.
According to the law firm Russo, Russo & Slania, P.C., “There are a wide range of different reasons that motorists may be attracted to motorcycles as an alternative to other forms of transportation, but the unfortunate reality is that motorcyclists face serious risks to their health and safety when sharing the road with cars. Whereas car accident victims have the added protections of certain safety features such as airbags and seat belts, the relative exposure of motorcycle riders and passengers means that the potential for catastrophic injuries or even death in the event of an accident is greatly increased.
Motorcycle accident victims are often forced to cope with serious challenges as a result of their injuries, and in many cases, it may be necessary to pursue legal action in order to recover the compensation needed to deal with these challenges. Fortunately, with the help of a skilled and knowledgeable lawyer, many victims are able to get this compensation, allowing them to better deal with the aftermath of a motorcycle accident.”
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Most are aware of the fact that construction sites are particularly dangerous areas. Workers that come to these sites are fully conscious of the many risks involved in their jobs. As the Occupational Safety and Health Administration or OHSA has found, construction sites are among them most dangerous workplaces in America. In the year 2013, the federal agency in charge of enforcing health and safety legislation in the work place reported a total of 796 fatal incidents of construction site accidents. All in all, for that single year, the OHSA found that construction accident deaths accounted for approximately 20 percent of all workplace fatalities reported in the country.
There are a number of issues that contribute to accidents that commonly occur in construction sites. Certain oversights and errors can quickly make an already hazardous workplace all the more dangerous. The most common accidents in construction sites are typically caused by equipment malfunction and employer negligence. Accidents such as slips, falls, electrocutions, crane collapses, and falling equipment are mostly easy to prevent following proper safety practices. For example, accidents that happen due to failing equipment can be prevented by making sure that the machinery in construction sites receives regularly maintenance and upkeep. Meanwhile, accidents like slips, falls, and electrocutions can be avoided by employers that are dedicated to maintaining a safe workplace for their employees by enforcing proper protocols and hiring individuals that are properly trained for construction work.
Construction work is a notoriously dangerous profession. The individuals that put their lives on the line to do this type of work should be protected from harm at all costs. It’s for this reason that construction workers are encouraged to seek out legal assistance should they ever find themselves devastatingly injured due to an accident that occurred in their workplace. Illinois residents shouldn’t hesitate to contact an accident lawyer in Chicago to learn more about available legal options.
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Drivers, who share the road with trucks, would surely not consider that the driver driving the 18-wheeler beside them is sleepy or alcohol-impaired, unless there are obvious signs that would show any of these. Thousands of data show, however, that many drivers were, indeed, either falling asleep or intoxicated and impaired due to alcohol prior to accidents. As a matter of fact, with regard to use of alcohol and drugs by truck drivers, the National Transportation Safety Board (NTSB) says that it actually is the second major reason behind truck accidents.
Drivers operating a commercial vehicle, such as buses and Class 8 trucks, which are trucks with a GWVR exceeding 33000 lb, like big-rigs, also called semi-trailers or 18-wheelers, observe a higher standard where alcohol intoxication limit is the issue. Compared to the 0.08% blood alcohol concentration (BAC) limit imposed on drivers of smaller vehicles, like cars, SUVs, and pick-ups, the BAC limit on drivers of commercial vehicles is 0.04%. This means that anyone who will be caught driving with this BAC level can be charged with driving under the influence (DUI).
Big-rig drivers, however, should worry not only about getting caught driving with the 0.04% BAC limit. As it is, those who will also be found to have a 0.02% BAC can also be suspended from driving for about 24 hours, while those who will register a 0.08%, even when off-duty, may still be charged with a DUI.
Their need and desire to stay awake and alert to be able to cover more road miles are what make drivers drink and or take illegal drives. This is one of the saddest effects of getting paid by the mile (about .40 cents per mile). However, the only results drinking alcohol and taking drugs will lead to are sleepiness and fatigue, and impairment.
It is the duty and responsibility of drivers to always stay sober when operating their truck. Impairment will lessen their ability to safely operate the huge and dangerous vehicles they are driving, putting the lives of many in danger. Thus, any act in violation of the laws against drunk driving can make them face serious criminal chargers, harsh penalties, and civil liabilities for whatever injuries and damages their drunkenness might cause. DUI lawyers from the Scudder & Hedrick, PLLC, law firm advises people who have been charged with drinking and driving to find out and know about their legal rights and options to help with their defense.
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