Long-term disability insurance is a kind of insurance that can give financial assistance to those with long-term disabilities. This can be acquired in two general ways. One, you can receive it as part of a benefit plan from your employer. Two, you can get it yourself by approaching a long-term disability insurance company.
This kind of insurance has tremendous benefits, so it is not surprising that a lot of people are filing claims, and in turn, a lot of people are also getting rejected of coverage. It becomes a problem if those with legitimate claims have been rejected. But it is a good thing that there are legal professionals who focus on appealing on rejected claims, such as those from Fields Disability. But what are these advantages exactly?
This is the most important benefit of any kind of insurance, and long-term disability insurance is no exception. Financial coverage is often calculated in a way that involves a percentage of your monthly salary. Typically, the percentage is at 50 to 70%.
Having a disability can be financially troubling, especially when you think about the associated medical expenses and the fact that you cannot work and earn money because of your physical limitation. So, even a small percentage of your salary will help pay the bills.
Peace of Mind
Being physically limited can have emotional and psychological effects, including anxiety, depression, disinterest in social activities, and loss of self-worth. Having financial assistance at least reduces the risk of having these effects, considering that you are assured that you have the money to get around.
Peace of mind can also be achieved by those who are not disabled but ensured, because they know that they will have a financial cushion when such a thing even happens.
Having insurance in general creates a better relationship between you and your employer. It shows value, and it gives the impression that you care for each other. The professional relationship between you and your insurer should also not be overlooked.
If you are also disabled, you can still have better relationships, in the sense that a long-term disability insurance can give you financial assistance and peace of mind, so you will not have family and friend problems that can arise from these factors, such as feeling guilty of being a financial burden to the family or increased irritability towards friends.
It can be very confusing and difficult to deal with a hit and run incident, especially if you are the victim or the accident. Hit and run accident does raise a number of legal problems; potential civil and criminal cases for the runner who caused the accident, and the problems that the victim will face in order to get compensation. The legal consequences of a hit and run accident goes far beyond a simple traffic accident, as more likely the victim would have suffered serious injuries and feeling the scene of the accident makes the runner more blameworthy.
Laws regarding hit and run accidents require drivers to stop, give their identification and provide assistance to the victim or victims. This ensures that victims of auto accidents are given the necessary medical assistance for their injuries and property damage is covered by compensation. In statutes that do not specify hit and run should only occur in public roads, hit and run that occurred in private property can also be considered a violation of the law.
Just as with any personal injury claims, there are certain factors that should be present in order to make a hit and run viable. First, the driver should have knowledge of the accident, even if the evidence is circumstantial. Williams Kherkher is among the many personal injury lawyers who help represent victims of auto accident and hit and runs, and the responsibilities of the driver who hit the victim may vary depending on the state. Some states require drivers to stop, assist, and give their ID to the victim regardless of whether there is injury or property damage, while some states require drivers to be aware of the accident and resulting injuries and damages before stopping. Providing the necessary identification (name, address, and phone number) is generally enough for the requirement, and those who give out false information may risk criminal prosecution.
Air bags are designed to be a safety feature that prevents additional harm to the occupants of a vehicle in the event of a crash. However, according to the website of Crowe & Mulvey, LLP, sometimes the air bags do not deploy properly, or do not deploy at all. When this happens, serious injury can be caused. Typically air bags either fail to deploy, deploy at the wrong times, or deploy improperly.
The website of Habush Habush & Rottier S.C.® states that air bags are meant to provide a soft cushion for occupants to strike to prevent them from hitting the steering wheel or dash, so when an air bag fails to deploy, the occupants have little protection. Even when wearing seatbelts passengers can fly forward with the force of the crash and hit their heads on the dash of the car. This results in very serious, traumatic injuries such as facial deformation, brain trauma, and in some cases, death.
Air bags can also deploy at the wrong times. There is only a split second window during a crash when the air bag needs to deploy in order to prevent harm to the passenger. If it misses this window the passenger can still hit the dash or steering wheel, although not as forcefully. Defects can also make the bags deploy when the car is turned on or when you hit something minor, such as a pothole or curb. The force of a deploying air bag on a stationary person can cause broken noses, whiplash, and concussions among other injuries.
Some defects cause air bags to inflate more or less that they should. When an air bag deploys with too much force it can actually cause more injuries to the passenger. Forceful air bags can cause face and brain trauma, but can also break necks and in very serious cases, cause partial or full decapitation. When an air bag deploys but does not inflate completely it is unable to protect the passengers like it is designed to. Without enough inflation passengers will still be able to hit the dash and be injured.
According to the website of Williams & Kherkher, more than 2 million automobile accidents occur every year in the US. Of those, approximately 31% involved drunk drivers. Alcohol affects the body in numerous ways including, but not limited to, blurry vision, difficulty concentrating, reduced reflexes, and general difficulty understanding what is happening around you. The severity of the effects depends on the amount of alcohol consumed. The website of the car accident lawyers at Habush Habush & Rottier S.C. ® states that the US has adopted a blood alcohol concentration (BAC) limit of .08%, but your body is still affected at lower levels.
At a BAC level of .02% you start to feel more relaxed, your mood is altered and you may have a little difficulty performing more than one task at once but you are still generally able to function properly. At a BAC level of .05% your vision starts to become impaired, your judgement will be affected, and you will begin to have trouble reacting quickly. At .08%, the legal limit, your vision, muscle coordination, and cognitive ability are seriously affected. This is when you will be unable to stand properly, will not always answer questions logically, and may suffer from memory loss. Driving under these conditions is dangerous as you will be unable to react appropriately to the constantly changing road conditions.
The website of Goings Law Firm, LLC states that because drunk driving accidents are very preventable, there are serious repercussions to the driver. Because of this, it is important to drink responsibly. Remember that your BAC will continue to rise up to 3 hours after your last drink, and it takes a little more than an hour for your body to process one standard drink so give yourself plenty of time to sober up before getting into a vehicle.