Coverage of Workers’ Compensation

You can get injured in the workplace because of a variety of reasons. Maybe you work in a construction site and you have fallen into an unattended hole. Maybe you work in an office and you have slipped because of leaks in the air conditioner. Wherever you work, you are not safe from the dangers of workplace accidents and injuries.

It is a good thing that there is workers’ compensation, where companies give monetary compensation to make up for the damages the person has sustained while under employment. This is also a good way for employers to protect themselves, because employees typically cannot sue them if they are under workers’ compensation insurance.
But what exactly does this insurance cover? It can cover a variety of things, such as treatment costs of the injury that the employee has sustained, but the things it covers may vary depending on the jurisdiction and its laws.

Aside from the medical costs, workers’ compensation can cover salary replacements, but the coverage is typically not a hundred percent, but a significant percentage of the employee’s salary. Disability claims can either be temporary or permanent. These classifications refer to the type of injury and how this injury can affect the victim’s working capacity. The severity of the disability claims is a major factor in the salary replacement computation.

This insurance can also cover retraining costs. The employee may be out of work long enough to warrant retraining, or he or she may have missed or lost job-related knowledge and skills because of the injury or illness that has been sustained.

Workers’ compensation is a good way to ensure that the employees are not going to take a significant financial hit if they are hurt. This is particularly helpful for those who work on hazardous environments, such as construction sites and factories. The small downside is that these employees may not be able to sue their employers for their negligence. However, these employees can waive their workers’ compensation insurance if they really want to take their employers to court.

Divorce Mediation, Making Divorce an Easier, Faster, Cheaper and Less Painful Process

Misunderstandings, lack of communication, and not having enough time for one another can make a marital relationship turn sour, frustrating, painful and stressful. Some couples are able to find solutions to marital problems that slowly cause them to drift apart; other couples, however, end up hopeless and consider ending their marriage as the only means to having a peaceful life again.

Ending a marital union through divorce is not a painless process. So many marriage counselors and legal professionals say that the divorce process is a very sensitive and emotional procedure, especially with regard to issues such as child custody, child support, visitation rights, spousal support or alimony and division of properties, assets and debts. Besides being complicated, many spouses also find it very difficult to arrive at an agreeable settlement (regarding these issues) because they refuse to agree to the demands of each other.

Failure to reach an agreement, however, can only result to the divorce process landing on a family court judge’s desk and, once these issues become a judge’s concern, all decisions will be made by him/her, whether these decisions are acceptable to both spouses. These decisions, or course, are legal; thus, these require the spouses’ strict compliance or they shall find themselves in contempt of court.

Though some couples continue to choose to settle divorce in court, many others now seek a procedure that is faster, cheaper and is not argument-filled; one that promotes respect and allows the spouses, rather than a judge, to decide on all matters. This divorce process is called divorce mediation.

Divorce mediation has become a more preferable way of settling divorce due to the many benefits it provides. It is done through the help of a neutral third-party mediator, who is usually chosen by the spouses themselves. Though the mediator can share his/her opinion to give light to issues that need to be settled, he/she can never decide or impose anything on the couple.

This process of mediation offers the following benefits:

  • Allows spouses to arrive at the most agreeable and workable solutions to all issues;
  • Gives spouses total control of the proceeding and its outcome;
  • Promotes openness between the spouses;
  • Much cheaper compared to a court hearing and requires lesser time; and,
  • Ensures privacy as the procedure involves only the spouses (with their respective lawyers, if they have one).

Mediated divorce also helps preserve spouses’ respect for one another. This an important element in any divorce procedure as this will affect children’s ways of relating to both of them after their divorce. Thus, rather than a painful court experience, which anyone can witness, a peaceful and friendly settlement will definitely be more preferable.

It is recommended for married couples, who are seeking a divorce, to consider alternative dispute resolutions before entering their case into the already overcrowded court system. In fact, some courts even require that a couple first goes through mediation in an attempt to solve their divorce quicker and with less complexity. Mediation is an often overlooked option that divorcing couples should consider before pursuing litigation as an option.

All You Need To Know About Whiplash

Whiplash refers to the forward and backward movement of the neck causing strain in the area. According to the website of Karlin, Fleisher & Falkenberg, LLC, whiplash happens as a result of a sudden stop or from a collision between two objects. While it is usually associated with car accidents, any impact or blow that cause your head to jerk forward or backward can cause neck strain. It could cause the stretching of your muscles and tendons in the neck.

The symptoms of whiplash usually happen within 24 hours after the incident. They may last a few days up to several weeks. Some of the common symptoms of whiplash include:

  • Neck pain and stiffness
  • Headaches
  • Dizziness
  • Blurred vision
  • Constant weariness

Less common symptoms may include the following:

  • Problems with concentration and memory
  • Ringing in the ears
  • Inability to sleep well
  • Irritability
  • Chronic pain in the neck, shoulders, or head

The good news is that whiplash can be easily treated. Doctors will usually prescribe over-the-counter drugs, ice, and other remedies. To ensure your quick recovery, you can do the following:

  • Apply ice on your neck to reduce pain and swelling immediately after the injury. Do it for 20 – 30 minutes every 3-4 hours for a span of 2-3 days. Make sure to wrap the ice in a thin towel or cloth to keep the skin from getting injured.
  • Taking pain relievers such as ibuprofen or naproxen can help ease the pain or swelling. Consult your doctor before taking any other medicines or if you are suffering from any medical conditions.
  • Support your neck with a brace or collar. However, they are not recommended for long term use because they can weaken your neck muscles.
  • Apply moist heat to your neck but only after 2-3 days of initially applying ice on it
  • Considering other treatment methods such as ultrasound and massage can also help.

A Look At The Different Equality Issues In The Workplace

The office is supposed to be a place where equality and fair play should exist. It should be a venue where everyone gets equal opportunity for all the benefits in the workplace such as promotions, salary raise, and others. Unfortunately, this is not the case. According to the website of Slater Pugh. Ltd. LLP, discrimination is quite common in a place where equality should be practiced.

Latest figures from the US Equal Employment Opportunity Commission (EEOC) reported 89,385 charges of workplace discrimination in 2015. Discrimination of any kind is quite prevalent in offices these days. When employers provide preferential treatment to a certain group of individuals, they are committing discrimination and may be subject to liability. When a hiring manager rejects the application of a person with disability or because of their color, it is an example of disability. Here we will look at the different kinds of workplace discrimination.

Age Discrimination

No employee shall be denied or excluded from benefits or be subjected to discrimination because of age. There is discrimination when the individual’s superior creates a hostile or intimidating environment that will limit the ability of the individual to perform.

The Age Discrimination Act of 1975 prohibits discrimination based on age in programs or activities that receive Federal financial assistance. On the other hand, the Age Discrimination in Employment Act only covers discrimination of people who are more than 40 years old.

Citizenship or Immigration Status

Under the Immigration Reform and Control Act of 1986, discrimination upon an individual’s citizenship or immigration status is prohibited. The law protects US citizens, recent permanent and temporary residents, asylees, and refugees from being discriminated due to their citizenship. The Office of Special Counsel for Immigration-Related Unfair Employment Practices enforce the anti-discrimination policy of the IRCA.

Disability

The Rehabilitation Act of 1973 and the Americans with Disabilities Act protects persons with disabilities from discrimination. The law prohibits discrimination in employment, public transportation, public accommodation and commercial facilities, and telecommunications.

Religion

Title VII protects an individual from being discriminated on the basis of their religion or lack of religious belief. They cannot be prohibited to “refrain from participating” in a religious activity as a condition for employment. Harassing an individual because of their religion is also illegal under Title VII. Saying offensive remarks against a person’s religious belief or practice is considered harassment.

Sex

Under Title VII of the Civil Rights Act of 1964, discrimination in any aspect of employment such as hiring, firing, pay, job designation, promotion, layoff, training, and others. It also prohibits discrimination of a transgender, lesbian, gay, or bisexual. Title VII also encompasses making unwelcome sexual advances, requests for sexual favors, and other verbal or physical harassment of a sexual nature.

Race

Title VI and Title VII protects individuals from being discriminated just because they are affiliated with a certain race.

How Can I Deal with Wrongful Death?

Dying’s easy—easier and faster than falling asleep, so said Sirius Black. But, really, nobody knows. It’s just that when someone’s gone—they stay gone. Sometimes, all it takes is a second for a life to be over—one mistake, one act of negligence to cost someone’s life.

The hard part is living after it, especially if you were dependent upon the person who had so recently passed away. For example, imagine that the primary income earner of your family were to suddenly die due to a workplace accident and suddenly, everything that they did for the family comes to light because there’s nobody now to do them anymore. Who will do the grocery shopping, who will pay the bills, who will pay off the debts that they may have had? Who will take care of them now – especially since there’s so much else to be taken care of, after a wrongful death situation?

According to the website of the lawyers with Williams Kherkher, it is a known trick for some insurance companies to take advantage of those who are in a state of grieving and panic to offer sums that can appear great at first glance for it covers the initial stressors of the situation but, really, costs the victims so much more in the long run.

How you can deal with wrongful death, first and foremost, is to realize that you can ask for help and that the easiest, most convenient option isn’t always right. More often than not, you are owed better than what you think is a good deal.

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