Disability is a dreaded eventuality and some research studies show that three out of ten new, young employees will most likely get disabled before they retire. Thanks to the Social Security Administration which provides monetary benefits to individuals who lose the ability to work for at least a year due to disabling medical condition. To qualify for Social Security disability benefits, however, one will first have to declared disable according to how SSA defines the word.
To the word “disabled” SSA associates three elements: inability of the person to continue the work he/she performed before the disability; the incapacity to do any other form of work due to medical state; and, the disability is expected to last for at least a year or may result in the person’s death. Such disability is total and permanent – the type that SSA considers eligible for the benefits applied for. This means that those suffering from partial or short-term disabilities are not covered by SSA, which has two major programs, namely, the Supplemental Security Income (SSI) and the Social Security Disability Insurance (SSDI).
The Supplemental Security Income is a benefit given to a disabled individual who has limited income and resources. The Social Security Disability Insurance (SSDI), on the other hand, is given to insured workers 65 years old and below. “Insured worker” refers to any employee who has earned work credits through payment of SS taxes; such employee should also have worked just recently and long enough to qualify for the SS disability benefit.
To help SSA determine fast if a claimant’s disability qualifies him/her to receive benefits, it has drawn up a list of severe medical conditions; illnesses or disabilities found in this list can automatically render a claimant eligible to the benefit applied for.
Oftentimes, even if a person is qualified to receive benefits, his/her application gets denied due to technical errors and/or lack of the required documents. The financial support and assistance provided by SSA has a major effect in the life any benefit claimant; however, the process can be just quite complex and requires a long wait.
To help SSA expedite the evaluation and processing of your claim application, it is important that you make sure that all the required documents (original or certified true copies) and all information about yourself plus proofs of your disability are submitted with the correctly filled out claim form.
According to the Hankey Law Office firm, hiring a lawyer to help you acquire, prepare and submit all needed forms and documents can be a good move to help you get over the worry of probably having missed anything that can result to denial of your application.
Getting into a car accident can be debilitating. According to a recent study by the National Highway Traffic Safety Administration, there are more than 10 million car accidents in the US alone. The accident can range from simple to fatal. If not death, the defendant can find themselves in a hospital bed due to injuries. In times like these, one question that comes to mind is “Who is going to pay for the medical expenses?” This article will provide some answers to this nagging question.
According to the website of Insure on the Spot, the medical costs associated with car accidents may vary depending on the extent of the injury. The costs may also include ambulance, x-rays, CT scans, room and accomodation, and others. The cost may quickly pile up that it may become burdensome for the defendant to shoulder on his own.
In general, the defendant will not have to cover for their medical expenses. The only exception is when they are in a “no-fault” state. In these locations, it is the insurance providers who will pay for the bill regardless of who was “at-fault.” In some states, there is a ceiling on how much the insurer will pay. This will vary from one state to another although it is generally $10,000 or less.
On the other hand, if the accident takes place in a state where the “no-fault” rule is not applicable, the defendant will be liable for paying the medical expenses out of his own pocket. An exception is when the owner’s property insurance policy includes a “med pay” coverage. With this provision, it will be the defendants insurance provider that will pay for the medical bills, based ont the limit of the “med pay” policy.
A worst case scenario could also see the defendant forced to shoulder the whole medical expenses because they have no personal injury case and it was their own fault.
In accordance with the United States Census Bureau, more than ten million motor vehicle injuries occurred in the year 2009. Based on this data, it’s not difficult to see why lawyers may inform you that accidents are a component of the risks you will need to ponder when driving in the future. Countless people are injured and involved in car accidents each year. You’ll be able to just take additional care in order to avoid unnecessary scenarios; nonetheless, it is not realistic to consider that you’re totally exempt from what may happen.
You must accept that mishaps will be a component of life when you have a vehicle. It’s possible for you to hope for the best and make an effort to keep secure, but there’s not any way to take into account what might happen in the future. It is easier to think forward and to be smart.
If you’re the motorist at fault, there’s a very big chance the injury you caused may have an impact on your own current auto insurance coverage. For one, you are able to expect your rates when it comes time to renew your coverage, to increase. Sometimes, you may even have to cover additional fees along with that. After filing an official claim, particular situations can cause this sudden surcharge like if you have been cited for a traffic violation or were officially named at fault. To avoid these charges, you may add your policy and an injury forgiveness clause.
Despite that, you don’t have to be concerned about receiving adequate protection for the damages caused equally to you and the sufferer. According to the website of Insure on the Spot Services, protection can be ensured by collision coverage for all damages resulting from a collision, irrespective of whether the policyholder was responsible or not.
It is not easy to visualize yourself in the shoes of the person who was responsible for the accident when it happens. Should you result in a wreck or inadvertently rear end another vehicle, your automobile insurance coverage can help mitigate the ensuing damages.
The subject of getting a hysterectomy can be one of significant scandal in certain circles. Some women claim that their getting hysterectomies was the single best decision of their lives while other women state that they’d give anything to turn back the hands of time just to stop themselves from having had gotten the procedure done. So, perhaps, in order to know if this procedure is what’s best for you—you might want to first understand what a hysterectomy is, what it does, and how it can affect you.
A hysterectomy is the surgical removal of a woman’s womb due to one medical reason or another. It is sometimes believed that the removal of the womb will equate to automatic ovary removal (that’s another procedure entirely called oophorectomy) and menopause; that is untrue, though it was certainly a fact in the olden days. Less than 2% of hysterectomies, according to numerous sources, are made for vital, life-saving reasons.
Having a hysterectomy can, reportedly, drastically change your life, however. There is no definitively objective study on the matter so far but it is the generally accepted hypothesis that sexual intercourse might change or might not be as enjoyable. On the contrary, a woman has several more erogenous zones that do not involve penetration, and uterine orgasms may not be possible anymore due to the loss of the necessary muscles. However, there are several other ways that a woman can reach that peak through other means (in contrast to popular belief, even).
Another side effect of hysterectomy may, unfortunately, also cause cancer. There are cases of several women, as is depicted through the information offered on the website of the Williams Kherkher Law Firm, developing endometrial cancer after a hysterectomy performed with a morcellator made by Johnson & Johnson.
There are several facts that are subject to change depending on whether or not a hysterectomy is what’s right for you – contact your physician in order to get a proper personalized prognosis.
Many people have seen keloids before, but in general they do not know what exactly one is or how to treat it. A keloid is a type of scar that usually appears on the chest, back shoulders, and earlobes. Appearance on the face is rare with the exception of the jawline.
Some people may wish to remove their keloid. Although there are no health concerns related to keloids, they are usually very unwanted for aesthetic reasons. Larger keloids tend to be more difficult to remove. Removal can be done in a variety of different ways. However, each have their own benefits and drawbacks.
The first method of removal is a series of cartisone injections. This method is known to be relatively safe and not very painful. One would usually get injections every six to eight weeks. Cartisone removes the keloid in the sense that it flattens it, but injections can actually make the keloid redder.
Surgery is the riskiest procedure when it comes to keloid removal. Sometimes cutting the keloid can cause a formation of an even larger keloid. Some doctors use steroids or radiation post surgery in order to avoid this.
Laser treatment works in that it makes keloids look less red. This procedure, like cartisone injections, is safe, not very painful, and requires multiple treatments. The main drawback to this route is that generally speaking, it is the most expensive option.
The safest and most economically friendly treatment are silicone sheets. The way they work is someone wears a sheet of silicone gel on their keloid for months. Silicone sheets are a fairly inconsistent method of treatment, and results vary for each person.
The website of The Law Office of Williams Kherkher says that after an accident life can get overwhelming. Do not worry about treating your scars right away if you still need to handle things related to what gave you the scar.
Polychlorinated binephyls or PCBs became a huge topic of discussion in the late 1970s, when various government agencies and environmental organizations raised concerns about its toxicity. Up to this point, PCBs were widely used in a variety of industrial and commercial materials. The chemical substance was solely manufactured by the chemical corporation Monsanto, and was sold under the brand name Aroclor. Estimates show that PCB production earned the company around $10 million in profits.
Confidential internal reports showed that Monsanto PCBs have been responsible for polluting creeks and other near-by areas surrounding the company’s factor in Anniston, Alabama. According to in-depth reporting by Michael Grunwald for The Washington Post, Monsanto leaders have been aware of the PCB pollution issue a full decade before a ban was issued by the U.S. Congress in 1979. Internal communications showed that Monsanto have observed how fishes and other wildlife was affected by PCB in the contaminated Snow Creek where they routinely dumped toxic waste and by-products. A report from 1966 described how fishes in the creek were affected by PCBs: “All 25 fish lost equilibrium and turned on their sides in 10 seconds and all were dead in 3 1/2 minutes.”
Considering its devastating effects on the wildlife of Anniston, it comes as no surprise that PCBs have similarly dangerous effects on the health of human beings. In fact, the Environmental Protection Agency (EPA) recognizes PCBs as probable human carcinogens. The agency also adds other non-cancer health risks to the list of potential dangers caused by the chemical substance. Notable scientific studies have found links between PCB exposure and complications with the immune, endocrine, nervous, and reproductive systems in animal and human systems. PCBs can also cause other medical conditions such as liver damage, elevations in blood pressure, and increasing serum triglyceride and cholesterol levels.
Drug company GlaxoSmithKline paid $1 billion in fines to the Department of Justice (DoJ) to settle charge of fraudulent marketing of some of its most popular products, including anti-emetic agent Zofran (ondansetron). It has also agreed to put up a $2 billion fund to settle civil lawsuits. Other drugs included in the charges are Paxil (paroxetine, an antidepressant), Wellbutrin (bupropion, also an antidepressant), and Avandia (rosiglitazone, an anti-diabetic). It seems that GSK makes a practice of promoting off-label uses for its products, not content with the income generated from approved uses.
The US is not the only country that has slapped GSK with fines for one violation or another. China has most recently fined GSK $489 million for bribing doctors, hospitals, medical associations, and public officials to help them raise drug prices. The UK government is currently investigating fraud allegations against GSK in other countries, including Poland, Lebanon, and Iraq.
Zofran was not particularly singled out in these investigations, but it continues to be a source of concern for physicians and their pregnant patients. Off-label use of Zofran was considered acceptable for women suffering from serious nausea and vomiting or pregnancy (NVP), also known as morning sickness, because earlier studies indicated no reason to suspect fetal danger. However, recent studies with larger populations indicate that there is a 30% increase in the risk of a birth defect when Zofran is administered before the 10th week of pregnancy.
Part of the charges brought by the DoJ against GSK was for failing to report safety data and concerns about its drugs. Women were prescribed with Zofran in their first trimester because their doctors believed it was safe. Of these women, those whose children had birth defects such as club feet, heart defects, cleft lift or palate, or abnormally shaped skull (craniosynostosis) may be eligible for compensation, according to the website of Williams Kherkher. Contact a Zofran attorney in your area for more information about filing a personal injury lawsuit.
We associate airbags with safety because they are designed to cushion passengers from the impact of a collision. The National Highway Traffic Safety Administration reports that airbags save thousands of lives annually, although there are studies that because airbags are designed for the average person, smaller and bigger than average individuals are likely to sustain slightly more severe injuries. However, airbags can also pose their own danger to even average sized passengers when they malfunction primarily because of the explosive nature of their deployment, and the fact that they are constructed from potentially dangerous components if they are not properly installed or manufactured.
There have been several recalls of vehicles due to defective airbags ranging from airbags that don’t deploy to those that deploy prematurely. The dangers of a non-functioning airbag are obvious in the event of a collision, but an airbag that goes off inappropriately can be nearly as bad. According to the website of Ritter Personal Injury, airbags that deploy prematurely can cause severe injuries including but not limited to traumatic brain injury, fractures, suffocation, and lacerations.
Recent recalls of vehicles because of defective air bags include the one in 2004 for 1.4 million vehicles equipped with air bags that deployed for no reason because of wiring issues. In 2008, Honda recalled vehicles identified as having airbags that deployed with excessive force, sending debris flying out and causing severe injuries, even death. This recall was expanded three years later for more than 800,000 vehicles. Hyundai also issued a recall within this time frame for its Elantra model years 2007-2009 for faulty air bags that could injure smaller passengers. Other car companies that issued airbag-related recalls include Ford and Chrysler.
The tragedy is these recalls often come too late for some passengers, or car owners are unaware that their vehicles have defective airbags until something happens. The injuries are often severe, and may even cause death. If you or an immediate family member has been seriously injured by a defective airbag, you may be able to get compensated for your losses. Find a competent personal injury lawyer in your area to have a better understanding of your case.
If you think that hard water is not so bad after all despite the spots on your dishes, the scum on your bathroom tiles, and the clogged pipes in your walls, you’d better think again. While it is true that some calcium and magnesium in your water may have some (disputed) health benefits, those aren’t the only compounds that you could find in your drinking water. It doesn’t say anything about hydrogen sulfide, for instance.
If your drinking water smells a little bit like someone’s sweaty foot or a rotten egg, then it probably contains some hydrogen sulfide. This is a naturally occurring gas you will find in groundwater when bacteria works on sulfur and converts it to hydrogen sulfide. It is most often found in well water and some plumbing systems where sand, shale, and peat formations are common, such as Texas. Man-made hydrogen sulfide may also be produced by water heaters and sewage.
While it is relatively harmless to humans in small doses, hydrogen sulfide makes water unpleasant to drink and it certainly has no known health benefits. It is also a flammable gas and can be toxic at high levels. It can corrode pipes and release heavy metals into your water, which can stain clothing, silverware, and metal utensils. Besides, you don’t know where it really came from, so it would just make a lot of sense to get rid of it.
There are many water treatment options for reducing or removing hydrogen sulfide from your water supply. The method you choose will depend on the results of a free water test that householders can request from the better suppliers of Austin water filters, or you could ask a state-certified laboratory to test the water for you. The level of the hydrogen sulfide, iron, and manganese in the water as well as the pH will determine what water treatment method will be ideal. Consult with a water treatment specialist in your area for best results.
These days, people turn to lawyers to help them with a variety of different legal issues. No matter what your reason is for needing a lawyer, finding the right one can be quite difficult. The following article has some great advice that will help you find a lawyer who has you in their best interest.
Make sure you have a fee schedule for any lawyers you are thinking about retaining. Fees can vary based on numerous factors, such as the lawyer’s experience and demand. You need to be aware of how much you are going to pay, or at least a ball-park estimate, prior to hiring them. It’s terrible to lose representation once your proceedings have started.
If you’re anticipating future problems, it might not be a bad idea to have an attorney on retainer. This will prevent you from rushing to look for one in the case of an emergency. Keeping an attorney on retainer affords you the luxury of always having access to good advice.
Make sure the lawyer you are hiring is suited for your needs. Like medical professionals, lawyers can be general practitioners or dedicated specialists. Know what general legal area your case is in, and narrow your search for a lawyer within that specialization to find someone with focused training and experience.
If you need to hire a lawyer but don’t know where to start, try looking in a lawyer directory. A directory offers a comprehensive profile of many attorneys. The profile provides important information such as his education, experience, fees and the lawyer’s basic philosophy of law. This information can be invaluable in selecting a good lawyer. Some lawyers, like the ones at the Abel Law Firm, also offer this kind of information on their own website.
People use lawyers for many different reasons. When you find the right one, he or she can make your life a whole lot easier. Make sure you implement the tips and tricks mentioned in the article above when you are conducting a search for an attorney. It is one decision you need to make right.