by Author | 20:17

Things Every Employee Should Know About Long-term Disability Insurance

The Occupational Safety & Health Administration reported that 4,821 employees were killed on the line of duty back in 2014, which is an average of over 92 per week or over 13 deaths daily. Since the 70s, employers have put in place measures to safeguard the health of workers. But still, unforeseen illnesses and injuries occur all the time. In addition, the Council for Disability Awareness states that long-term disability accounts for an absence of 34.6 months on average. Most illnesses and injuries happen due to cancer and musculoskeletal injuries. Therefore, employers should implement a long-term disability insurance program to protect workers and make sure they take a realistic amount of time to return to work.

An overview of long-term disability (LTD) insurance

This form of insurance covers approximately 50 to 70 percent of an employee’s income when he is suffering from an injury or illness. However, the worker’s compensation does not cover employees injured off the job. When you cannot offer your services for a lengthy period, the long-term disability insurance chips in and covers a certain portion of your salary. It kicks in once the short-term disability plan is exhausted. A long-term disability policy becomes effective about 10 to 53 weeks after a valid event.

Do you need a long-term disability attorney?

If you are unable to work and have a long-term disability plan, you should seek the services of a  long-term disability lawyer as soon as possible to increase your odds of success. An unrepresented disability applicant will experience many challenges when it comes to filing a disability claim, particularly when the insurance is covered by an employer-provided group.

A single missed deadline, incorrectly filled form, or inaccurately pronounced word to a claims adjuster can compromise your long-term disability benefits. A lawyer will act as your representative in matters concerning long-term liability insurance. He will engage with the LTD administrator on your behalf, ensure application and appeals are filed on time, carry out settlement negotiations, and file a lawsuit in court if necessary.

Who is responsible for paying for the long-term disability plan?

Today, there are a few options on who can fund a long-term disability policy. In the recent past, numerous companies took the responsibility of paying the full amount for the LTD insurance. Currently, the options on who can pay have expanded.

Is a long-term disability plan important?

The strongest argument in support of LTD insurance is that it significantly minimizes the risk of financial difficulty if an injury or illness prevents you from working for at least six months. A long-term disability lawyer will streamline the process of filing your claim and receiving your benefits. Other advantages of long-term liability plan include:

  • LTD insurance does not come with restrictions on how you decide to spend your money
  • It does not attract interest or penalties
  • Tax-free
  • It keeps your retirement savings intact

Your ability to work and make money is one of your most important assets. A good long-term disability insurance will offer you financial … Read More

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by Author | 13:50

Some Lawyers Fight for the Voiceless

There are many cliches about lawyers that you may begin to believe if you listen to enough jokes. The running gag about lawyers is that they only care about money. They are in the business for themselves, leaching off of the hard work of others in order to carve out a living. While this is true of some lawyers, it is not true of all of them. In fact, some attorneys get into the field for the right reasons, working to ensure that people who otherwise would not have a voice end up getting what they deserve. Most people think about public defenders and other criminal defense lawyers when talking about injustice, but lawyers fighting for the disabled serve a similar purpose.

People who are disabled are entitled to a certain level of compensation. It is the government’s responsibility to ensure that they have enough to live the kind of life every person should get to live. Being disabled can be expensive. It requires special lifts, house alterations and the like. Beyond that, being disabled can make it difficult for people to work, leaving them in an even more dire financial state. When the government fails to provide for these people the way it should, it becomes a problem that lawyers have to fix.

One of the issues for the disabled is that they often do not have a voice. There is not a strong lobby for them in congress, and most people just do not care what happens to them. These are precisely the kinds of people who need skilled lawyers to provide them with assistance when times get tough. To the extent that states and the federal government feel they can take from a disabled person, good lawyers are there to make sure these people have a voice. The best lawyers ensure that the disabled person’s concerns are heard and that they are treated fairly.

When it comes to Social Security disability lawyers Vancouver WA has plenty of good ones. These are people who are dedicated to their clients. They went to law school for the right reasons and have found a group of people who are in need of a skilled lawyer. Those who are struggling with their disability claims would be wise to enlist these lawyers. Not all attorneys are out for themselves, and the ones who truly get it tend to stand out.… Read More

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by Author | 19:04

The Realities of Alimony Causes Litigants to Seek Professional Assistance

People going through a divorce have a number of concerns to sort out. Some have to view the situation as transactional, seeing themselves as litigants in a competitive process. This is true especially when judges consider durational alimony. In Florida, there are many different types of alimony, and they are applied depending on the situation facing the couples. The durational variety is as its name suggests. It lasts only for a set duration rather than going on into perpetuity. Because of the temporal nature of this alimony, the participants in a divorce can see this as an important transaction from which they need to extract as much value as possible. This is where hired professionals come into play.

When it comes to durational alimony Tampa has a number of seasoned lawyers who know how to argue on behalf of their clients. The entire point of this kind of alimony is to tide over one of the parties until things settle down. It is not meant to be a long-term solution, and in fact, it is awarded in lieu of permanent alimony. When this is on the table, a number of arguments will take place. For instance, parties will argue about how the length of their marriage impacts the financial reality. Longer marriages typically command more alimony, while shorter marriages allow the breadwinner to wiggle away without giving up much.

Most people understand the value of enlisting a skilled attorney when going through a divorce. Divorce can be a major challenge not only from a financial perspective, but also from an emotional perspective. Good lawyers make the arguments that must be made, even when saying those things might be hard for one of the parties. The same is true in discussions on alimony. With so much at stake and durational alimony only lasting for a short period of time, it is imperative for parties to negotiate a figure that allows them the best quality of life. Skilled professionals fill the void on behalf of clients, allowing them to cash in when these situations arise.

There’s nothing pleasant about going through a divorce. Simply put, many people would rather finish the process quickly so they don’t have to face down the emotional stress of it all. It can pay to enlist a strong fighter on questions of durational alimony, though. Many have discovered this and have made finding the best lawyer a priority.… Read More

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