Pennsylvania Disability Insurance laws & compensation compliance analysis #arizona #workers #compensation #insurance


Pennsylvania Disability Insurance: What you need to know

Disability insurance pays wage replacement benefits to employees who are not working due to non-job-related accidents or illnesses. (Workers’ compensation covers job-related injuries.) It also provides coverage for employees who may not be eligible for workers’ compensation, or it may supplement workers’ compensation.

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A few states have laws that require employers to provide disability insurance, but Pennsylvania is not among them. Pennsylvania employers may provide such insurance, but they are not required to do so. State law may require specific provisions in a group disability policy sold by insurers in Pennsylvania.

For additional information, visit the Pennsylvania Insurance Department website at .

Last reviewed on May 17, 2017.

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We’ve compiled a list of the 100 most commonly asked questions we have received on the federal Fair Labor Standards Act (FLSA) overtime regulations.
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This report, “Top 100 FLSA Q As”, is designed to provide you with an examination of the federal FLSA overtime regulations in Q A format, including valuable tips for bringing your workplace into compliance in an affordable manner.

At the end of the report, you will find a list of state resources on wage and hour issues. This report includes practical advice on topics such as:

  • FLSA Coverage: How FLSA regulations apply to all employers and any specific exemptions from the overtime requirements
  • Salary Level: Qualifying for exemptions and nonexempt employees
  • Deductions from Pay: Deducting for violations, disciplinary reasons, sick leave, or personal leave

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Insurance Katy #katy #insurance #agency, #insurance #agency #katy, #insurance #katy, #katy #insurance,


Welcome To Dagley Insurance Financial Services:

Your Local Insurance Agency in Texas and Colorado!

At Dagley Insurance Financial Services, we are proud to offer comprehensive insurance solutions at great rates. We pride ourselves in providing outstanding service to our clients each and every day. With offices throughout Texas and Colorado, we do our very best to meet your insurance needs.

If you are living in Texas or Colorado, we would love to earn your insurance business! We provide complete insurance packages for businesses. If you are in need of personal insurance such as homeowner s insurance, auto insurance, life insurance, or renter s insurance, we have you covered there as well. When you work with Dagley Insurance Financial Services, you get personalized service, convenient locations, and a company that cares about you.

Dagley Insurance Financial Services makes it easy to start saving on all of your insurance policies immediately by offering many locations.
We have six insurance agencies in Texas, including Katy, Houston, Cypress, Sugarland, Plano and Cleburne. We also have three insurance agencies in Colorado, including Aurora, Denver, and Greeley.

Give us a call today, or fill out any of the quote forms on our website for more information. We look forward to working with you.

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Workers compensation pharmacy fee schedule – simple prescription #injured #workers #pharmacy


  1. Workers’ Compensation

Workers’ compensation pharmacy fee schedule – Compound prescription

You may download the current Medi-Cal pharmacy fee rates here (Zip file, 4.33 MB, updated 08/02/2017 – also available via ftp to, anonymous login). The file’s record layout and instructions are included in the zip file, and may also be viewed here.

You may look up the current price of Compound prescriptions by completing the form below and clicking “price”. For simple prescription pricing, click here. If you are working from a file with 10 digit NDC numbers, please click here.

Enter total count of separate ingredients in compound prescription, then click continue:

Effective Jan. 6, 2006, the price calculator and the price data file are being updated weekly, as DWC receives updated price data from the Department of Health Care Services.

Workers’ compensation pharmaceutical fee schedule Physician dispensed pharmaceuticals

Legislation that became effective on January 1, 2012 places new caps on fees for pharmaceuticals dispensed by physicians. These new caps are contained in Labor Code section 5307.1.

Fee File Posting Interruption between 01/15/14 and 03/26/2014

Note that there was an interruption in posting the weekly files. After the posting of the 01/15/2014 file, the next file posted was dated 03/26/2014. The file posted 03/26/2014 has substantially fewer NDCs than the 01/15/2014 file. We have confirmed with the California Department of Health Care Services that many NDCs were removed from the Medi-Cal file; some were removed as the products are no longer manufactured, others were removed because Medi-Cal no longer pays for the product. This may unfortunately result in a lack of a workers compensation fee schedule price for some NDCs.

Updated pharmaceutical price files posted / list of NDCs with price updates for the period September 1, 2011 to March 14, 2012 posted

Due to a delay in the availability of updated Medi-Cal pharmaceutical price data beginning in September of 2011, the Division was unable to post updated pharmaceutical fees for many months. Beginning with the April 11, 2012 data file, the Division of Workers’ Compensation resumed posting weekly price data files for download and for use in the price calculator. The Department of Health Care Services has indicated that beginning May 23, 2012 the weekly pharmaceutical fee data file sent to the Division includes all national drug code (NDC) price updates during the period Sept. 1, 2011 to March 14, 2012 that were missing due to the temporary unavailability of First Data Bank average wholesale price (AWP).

DWC has posted an Excel Workbook which lists NDCs that were new (sheet one), or that had pricing changes (sheet two), that took effect during the period of September 1, 2011 through March 14, 2012. Beginning May 23, 2012, the weekly pharmaceutical fee schedule data file and price calculators on the DWC website include all of the updates. DWC suggests that workers’ compensation providers examine the NDC list and, if warranted, resubmit pharmaceutical bills that were affected by the unavailability of price updates, and recommends that payers issue payments as appropriate. Payers and providers may consider whether there are contracts in place that may impact the need to re-process bills and issue corrected payments.

Division of Workers’ Compensation (DWC)

Lawyer workers comp #lawyer #workers #comp



Workers’ Comp Help’s goal is to make the process of finding a workers’ comp attorney as easy as possible. Just fill out the free evaluation form located on this site and you will be put in touch with a workers’ comp attorney in your area for a free evaluation of your workmans’ compensation claim

Workers’ Compensation, also know as workers comp, work comp, workmans comp and workmens comp, is a state-mandated insurance program, purchased by employers, that provides compensation to employees who suffer a work-related illness or injury. If your workers’ comp claim is successful, you will generally be compensated for any out-of-pocket medical expenses that are incurred due to a work related injury and any wages that are lost while receiving treatment or recovering from work related injuries.

Some work related injuries can be so severe that the workers’ compensation process can be simple and straight forward. However, this will not be the case majority of the time. A workers’ compensation attorney will be able to guide you through the process and help you receive workmans’ comp benefits you deserve. If you believe your workers’ compensation benefits are being wrongly terminated, you should consider consulting a workmens’ compensation attorney as well.

Most workers’ comp attorneys work on a contingency basis, meaning you will not have to pay your work comp lawyer unless your workers’ compensation case is successful. If you are awarded workers’ comp benefits, your attorney will receive a percentage of your workers’ comp benefits. The percentage will depend on the state in which you are filing your workmans’ compensation claim and should be discussed with your chosen workers’ compensation lawyer.

If you are unable to work due to a work injury, it is important to contact a workmans compensation lawyer who can start the claim process. If your workers comp case is not filed within the set time period, you will not be eligible for a workmens comp settlement.

We currently accept workers compensation cases in the following states:

  • Alabama (AL)
  • Alaska (AK)
  • Arizona (AZ)
  • Arkansas (AR)
  • California (CA)
  • Colorado (CO)
  • Connecticut (CT)
  • Delaware (DE)
  • Florida (FL)
  • Georgia (GA)
  • Hawaii (HI)
  • Idaho (ID)
  • Illinois (IL)
  • Indiana (IN)
  • Iowa (IA)
  • Kansas (KS)
  • Kentucky (KY)
  • Louisiana (LA)
  • Maine (ME)
  • Maryland (MD)
  • Massachusetts (MA)
  • Michigan (MI)
  • Minnesota (MN)
  • Mississippi (MS)
  • Missouri (MO)
  • Montana (MT)
  • Nebraska (NE)
  • Nevada (NV)
  • New Hampshire (NH)
  • New Jersey (NJ)
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  • New York (NY)
  • North Carolina (NC)
  • North Dakota (ND)
  • Ohio (OH)
  • Oklahoma (OK)
  • Oregon (OR)
  • Pennsylvania (PA)
  • Rhode Island (RI)
  • South Carolina (SC)
  • South Dakota (SD)
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  • Utah (UT)
  • Vermont (VT)
  • Virginia (VA)
  • Washington (WA)
  • West Virginia (WV)
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By requesting a free evaluation, the user will be provided with the name of an independent lawyer or advocate who will contact the user to do the evaluation. is not a lawyer or law firm. It is an advertising service paid for by the lawyers and advocates whose names are provided in response to user requests and it is not an attorney referral service. To find out the attorney or advocate in your area who is responsible for the advertisement, click here. By submitting a free evaluation, I acknowledge that I understand and agree to the disclaimer and privacy policy .

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Copyright 2017

Workers Compensation Insurance: Farmers Insurance, workers compensation insurance software.#Workers #compensation #insurance #software


Workers’ Compensation Insurance

You choose employees for the value they add to your business — whether a key member of your management team, a skilled technician or your executive assistant. If anyone suffers an on-the-job injury, you want to try to take care of them and minimize lost productivity.

Here are some of the typical workers’ compensation challenges you might face, and how Farmers can help you address them:



You operate in multiple states, each of which administers workers’ compensation differently.

Farmers’ highly experienced adjusting team can deliver injury management strategies that comply with the complex maze of state administrative laws.

Your office doesn’t have many obvious risks — but you’re not sure if your employees have had enough safety training.

From OSHA compliance to safety education, Farmers can help you improve safety practices and reduce risk. A stronger culture of safety helps you manage work conditions and your employees more effectively, which can help improve profitability.

You’re concerned about the negative impact of fraud on workers’ compensation costs.

Farmers adjusters work with industry healthcare experts to review, identify and re-price questionably dishonest medical bills.

You want to know if employees recovering from injuries can perform their jobs with temporary modifications.

By speaking with an employee’s treating physician and work supervisor, adjusters can help identify physical limitations and the availability of appropriate modified duty.

A dedicated in-house claims team improves efficiency

In most cases, Farmers employees — not outsourced adjusters — manage employee injuries from start to finish.

Farmers RealTime Billing SM streamlines your premium payment process

Farmers RealTime Billing SM links policy premiums directly with your company’s payroll. This pay-as-you-go approach is as simple as setting up an account linked to your payroll provider or QuickBooks-like software.

Some popular business insurance options

Workers’ compensation coverage is just one component in a full menu of business insurance options available from Farmers. Your agent can also discuss coverage for other possible risks like:


When a customer trips on a step at your office, she twists an ankle as she falls.

Business liability insurance can help with medical and legal costs when someone is injured on your company’s property.

When your business closes for repairs due to fire damage, you’re not able to generate business income.

Business property insurance can help when a covered event interrupts your company’s income.

No one is hurt, fortunately, in a large fire at your warehouse, but the cost of repairs will exceed the limits of your underlying business property coverage.

Umbrella coverage can help by adding an extra layer of liability insurance — up to $10 million.

Your delivery driver is momentarily distracted and causes a minor accident in the parking lot of an office park.

Commercial auto coverage can help when an employee causes an accident while on company business.

Farmers works to build strong customer relationships

Farmers has spent almost 90 years putting customers first. Are you shopping for coverage, or do you have a question about your policy? Maybe you’re ready to get a workers’ comp quote. Be sure to let a Farmers agent deliver personalized service and support.

This material is for general informational purposes only. This material may not reflect your particular circumstances. None of the companies comprising the Farmers Insurance Group of CompaniesВ®, or their employees or agents provide tax or legal advice. Always consult your own accountant, attorney or tax adviser as to the tax, financial, or legal consequences or advice on any particular transaction. Not all products, coverages, discounts are available in every state. Restrictions, exclusions, limits, and conditions apply.

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Tulsa Workers Compensation Lawyers: Tulsa Lawyers: Injury While Working: Oklahoma Attorneys #workers’


If you have been injured on the job or suffered a short term disability from work, contact a Tulsa Worker’s Compensation Lawyer for a FREE Consultation.

Workers’ Compensation Lawyers Help If You Have Been Injured On The Job

It’s bad enough that you got hurt on the job; your lost wages could put you in a huge financial hole. The Workers’ Compensation Act in the State of Oklahoma mandates that any person injured while working on the job is entitled to compensation under the law. The only exception, being an employer who has five or less employees, all of which are related by either blood or marriage to said employer.

There are some workers in the agricultural or horticultural field, licensed real estate brokers, household laborers as well as federal employees who are not covered by the law. Individuals employed by an independent contractor are covered under the law by the independent contractor’s insurance. If for some reason, the contractor does not have insurance, the injured individual may be able to get benefits from the principal employer. Contact one of the seasoned Tulsa workers’ compensation lawyers to see if you are eligible .

Workers’ Compensation Lawyers

Workers Compensation Coverage in Oklahoma – Learn Your Rights if you are Injured on the Job

If for some reason, your employer or does not have coverage, you still may have the right to recover damages for a personal injury which happened while you were employed. This right also extends to the heirs of deceased individuals. If you have been injured on the job or if you lost your spouse to a job related accident, a Tulsa workers’ compensation lawyer can help you obtain what is rightfully yours.

If you are injured while on the job and you are unable to work for more than three calendar days, you can receive weekly benefits equal to 70% of your average weekly wage. The maximum weekly temporary total disability weekly benefits are based on the date of your injury and Oklahoma’s average weekly wage.

If you have been denied a workman’s compensation claim and you have been injured while on the job and unable to work because of that injury, contact a Tulsa lawyer immediately.

Per the law, the maximum a Tulsa workers’ compensation attorney can charge you in a temporary disability case is 10% of the award. In a permanent disability or death case a 20% fee is allowed. All attorney fees are subject to the court’s approval. Direct expenses, to prepare your case for settlement or trial, are not included in the percentages listed above.

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The Sam Masters Legal is a Daytona Beach Personal Injury Firm litigating cases against major insurers for over twenty years.

Alabama Workers Compensation Lawyer Fees #workers #comp #attorney #fees


Alabama Workers’ Compensation Lawyer Fees

By William Powell posted in Alabama Workers’ Compensation Lawyer Fees on Thursday, February 2, 2012

AlabamaWorkers’ Compensation Lawyer Fees

With offices in Huntsville, Alabama and Birmingham, Alabama, the Alabama Workers’ Compensation Lawyers at Powell and Denny are ideally situated to handle claims for workers’ injured at work* in North Alabama** and Central Alabama+.

A question we are always asked during our initial meeting with potential clients is “what are your fees?” We inform everyone that in accordance with Alabama’s Workers’ Compensation laws, we do not charge a fee unless your case settles or you are awarded workers’ compensation benefits by the court at trial, and our fee only applies to the settlement or award of a permanent impairment-we do not take a fee off of you weekly temporary total disability benefits.

Pursuant to Alabama’s Workers’ Compensation Law, the attorney fee is capped at 15% of the settlement or court judgment. We are also entitled to reimbursement of our case expenses (costs of medical records, filing fees, deposition costs, etc.), which unlike some Alabama Workers’ Compensation Lawyers, we do not collect unless your case settles or you were awarded workers’ comp benefits by a judge. No up front costs are associated with your workers’ compensation case, so you don’t have to worry about our fee.

If you live in North Alabama or Central Alabama and are having difficulty getting your workers’ compensation benefits or having medical treatment authorized, don’t give up-call an Alabama Workers’ Compensation Lawyer at Powell and Denny

Powell and Denny: We Work When You Can’t

Offices in Birmingham, AL and Huntsville, Alabama

* also referred to by the following phrases: Workman’s Comp; Accident at Work, Workplace Injury, Work place accident, Workers’ Compensation, Workers’ Comp; Work Injury, Work Injuries, On the Job Injury, Injuries on the Job, Injured at Work.

** from Ider to Florence, Russellville to Scottsboro, Stevenson to Athens, Hartselle to Huntsville, Tuscumbia to Paint Rock, Gadsden to Muscle Shoals and everywhere in between.

+ includes the following Alabama counties: Cullman County, Autauga County, Marion County, Lamar County, Pickens County, Sumter County, Tuscaloosa County, Jefferson County, Shelby County, Fayette County, Winston County, Etowah County, Cherokee County, Randolph County, Coosa County, Tallapoosa County, Chambers County, Lee County, Blount County, Walker County, Hale County, Bibb County

AlabamaWorkers’ Compensation Lawyer Fees

Missouri Workers – Compensation – What is Workers – Compensation? #what #is


Missouri Workers Compensation

Filing a workers compensation claim can be a complicated process with unexpected pitfalls that can potentially prevent you from getting the benefits you need.

Details are important at every stage, and if you don’t understand exactly what the bureaucracies are looking for you could be missing out on compensation or treatment options.

We hope that you find the information contained in our practice center useful in answering your workers compensation questions and familiarizing yourself with the work comp process.

Missouri Workers Compensation Claims

US employers and their employees rely on our dependable workers compensation system to resolve disputes about vocational injuries and disease and to provide for related worker needs. Workers compensation benefits are commonly awarded for work-related injury, illness and death, helping to meet the needs of injured workers and their families even when faced with overwhelming situations. (read more)

Have you been injured in an accident?
Call (314) 361-4300.
Free Missouri Workers Compensation Consultation !

Employees can suffer all kinds of injuries while working. In Mr. Hoffmann s 20 plus years of practicing workers compensation law, he has represented clients who have suffered all types of work-related injuries, from head, back and neck injuries to foot injuries. (read more)

The workplace is one of the most common places that people are injured and Missouri has rules in place that are supposed to help people who have suffered an on-the-job injury. We have assisted all types of injured workers through the claim process to obtain workers comp benefits. Unfortunately, it is sometimes difficult to get the benefits you deserve. (read more)

You do not have to be involved in a terrible accident to claim workers compensation benefits. Your injury could be a severe back strain from lifting a heavy object, a cumulative injury from repetitive tasks or an illness related to chemical exposure. (read more)

Our St. Louis legal team can provide you with answers to frequently asked questions regarding Missouri workers compensation. (read more)

Attorney Fees

The Law Office of James M. Hoffmann advances all costs and expenses associated with our clients cases and does NOT charge a fee until there has been monetary recovery. This arrangement is called a contingency fee agreement . We pay all of the expenses (medical records, expert fees, depositions, etc.) along the way. (read more)

Workers Compensation Laws

The Missouri Workers Compensation Laws were substantially changed effective August 28, 2005. This is a brief summary of the new workers compensation laws. Please do not hesitate to contact attorney James M. Hoffmann for any questions regarding the workers compensation laws. (read more)

Free Workers Compensation Consultations

Our legal team has a strong history of helping injured workers get the medical attention and financial compensation that they need. Based in St. Louis, and handling workers compensation cases throughout the State of Missouri, our law firm will ensure that your rights are protected. Please call (314) 361-4300 or toll free at (888) 872-6795. You can also complete our online contact contact form. All communications are returned promptly.

Missouri Workers Compensation

Workers Comp Benefits Explained #workman #compensation #lawyer, #workers’ #compensation #basics


Workers’ Comp Benefits Explained

Workers’ compensation insurance is a type of insurance purchased by employers for the coverage of employment-related injuries and illnesses. FindLaw’s Workers’ Compensation Basics has more resources in addition to this article’s answers to frequently asked questions about workman’s compensation.

What is workers’ compensation or workman’s compensation?

Workers’ compensation insurance, often called workers comp, is a state-mandated program consisting of payments required by law to be made to an employee who is injured or disabled in connection with work. The federal government does offer its own workers’ compensation insurance for federal employees, but every individual state has its own workers’ compensation insurance program. Be sure to check your own state’s workers’ compensation benefits laws by referring to the appropriate office in your state on the State Workers’ Compensation official page of the U.S. Department of Labor’s website.

In most situations, injured employees receive workers’ compensation insurance. no matter who was at fault for the injury. Because these workers comp benefits act as a type of insurance, they preclude the employee from suing his or her employer for the injuries covered.

What types of incidents are and are not covered by workers’ compensation insurance?

Workers’ compensation insurance is designed to cover injuries that result from employees’ or employers’ carelessness. The range of injuries and situations covered is broad, but there are limits. States can impose drug and alcohol testing on the injured employee, and can deny the employee workers’ compensation benefits if such tests show the employee was under the influence at the time of the injury. Compensation may also be denied if the injuries were self-inflicted; where the employee was violating a law or company policy; and where the employee was not on the job at the time of the injury.

What types of expenses does workers’ compensation insurance cover?

Although the payments are usually modest, workers’ compensation insurance covers

  • medical care from the injury or illness
  • replacement income
  • costs for retraining
  • compensation for any permanent injuries
  • benefits to survivors of workers who are killed on the job

But remember that if a person collects workers’ compensation benefits, he or she cannot sue the employer. And workers’ compensation benefits do NOT cover pain and suffering.

Wage replacement is usually two/thirds of the worker’s average wage, but there is a fixed maximum amount that the benefits will not go over. That may seem modest, but note that these benefits are not taxed. So, as long as the employee was making a fair wage, he or she should have no major problems. The eligibility for wage replacement begins immediately after a few days of work are missed because of a particular injury or illness.

Does workers’ compensation insurance cover long-term and permanent injuries?

Yes. Workers’ compensation insurance is not limited to just incidental accidents. It also covers problems and illnesses that are developed over a long period of time of doing the same injurious activity–for example, carpal tunnel syndrome or back problems from some sort of repetitious movement.

Who is covered by workers’ compensation insurance?

Most types of employees are covered by workers’ compensation insurance. That said, states commonly exclude some workers from coverage, such as:

  • independent contractors
  • business owners
  • volunteers
  • employees of private homes
  • farmers and farmhands
  • maritime employees
  • railroad employees
  • casual workers

Because employees of the federal government are covered under the federal workers’ compensation insurance program, they are not covered by state workers’ comp. Some states do not enforce the workers’ compensation program on employers with fewer than 3 to 5 employees working for them. This varies from state to state.

Can I sue my employer for a work injury ?

Yes. You may sure your employer for any reckless or intentional action of your employer that caused your injury. If you choose to do this, you will waive your right to workers’ compensation insurance. If you are successful, the court may award a broad range of damages, such as punitive damages, medical expenses, lost wages, pain and suffering, and mental anguish.

Can my employer fire me for or tell me not to file a workers’ compensation claim?

No. Most states prohibit this by law. If an employer does retaliate against an employee for filing a workers’ compensation claim, the employer should be reported immediately to the local workers’ compensation office.

Free Initial Case Review from an Experienced Workers’ Compensation Attorney

Accidents occurring on the job should be covered by workers’ compensation insurance. If you’ve been injured on the job and your employer disputes your workers’ comp claim, you likely need legal help. Have an experienced attorney provide an initial review your claim for free with no obligations.

Central Carolina ENT – Ear Nose and Throat Specialist North Carolina ENT


Central Carolina Ear, Nose, and Throat Associates

Latest CCENT News!

Trouble Breathing Through Your Nose? Latest treatment for nasal obstruction is the Latera implant

Nasal obstruction can be caused by many factors including a deviated septum (the wall on the inside of your nose that separates the right and left nasal passages), inferior turbinate hypertrophy (structures within your nose that help warm and humidify the air that enters your nose), or weakened cartilage on the outside of your nose to name a few. If the septum is crooked or the inferior turbinates are large, this problem can be corrected with a septoplasty that straightens the septum or an inferior turbinate reduction. These are relatively easy procedures to perform and typically do not lead to any cosmetic deformity of the nose because the surgery is performed inside your nose.

Read Full Article

Innovative Office Procedure for Chronic Sinusitis Now Available at Central Carolina ENT

Sinusitis is one of the most common chronic health problems in the U.S. afflicting an estimated 37 million Americans each year. Patients suffer from facial pain and pressure, congestion, nasal discharge, and fatigue, among other symptoms. Sinusitis has a significant effect on these patients’ physical, functional, and emotional quality of life.

Read Full Article

CCENT is pleased to announce our new Audiologist Heather Balsley, AuD.

Dr. Balsley is licensed by the NC Board of Examiners for Speech-Language Pathologists and Audiologist and certified by the American Speech-Language Hearing Association. She is also fluent in American Sign Language. Her interests include pediatrics, hearing aids, assistive listening devices, diagnostics and early identification of hearing loss.

CCENT is pleased to announce our new full-time PA, Beth Lisi, PA-C.

Beth was born and raised in the Northern Virginia area. She attended Virginia Tech for her undergraduate education, where she earned a Bachelor of Science in Human Nutrition, Foods and Exercise in 2009. She then pursued graduate education at Wake Forest University, where she completed a Master of Medical Science in Physician Assistant studies in 2012. She worked in gastroenterology prior to joining CCENT.
Beth is licensed by the NC Medical Board and the National Commission on Certification of Physician Assistants.

Should you take a NC Workers – Comp Settlement? #nc #workers #compensation


Should you take a NC Workers Comp Settlement?

One of the most critical decisions an injured NC worker will make is whether to accept a NC Workers Comp Settlement. Often an insurance adjuster or even an attorney working for an employer will contact an injured worker to discuss settlement. If you have not already consulted a Board Certified Workers Compensation Lawyer in North Carolina this is a good time to do so.

Many workers’ compensation claims in North Carolina will eventually settle by “clincher” agreement. A “clincher” is a full and final NC workers compensation settlement. A clincher agreement is a full a final settlement and resolves all the issues in a NC workers’ compensation case, including all medical treatment and wage replacement benefits . A clincher or settlement agreement ends all compensation and is intended to entirely resolve the claim.

There is no requirement in North Carolina that a workers’ compensation case settle and in fact some cases should not settle. A badly injured worker with an accepted workers comp claim who is permanently disabled and will require continuing medical treatment will usually be better off letting the employer/insurer pay lifetime wage replacement and medical benefits. This employee should focus on coordinating their workers’ compensation with other public and private benefits .

The decision of whether to accept a NC Workers Comp Clincher Settlement requires an analysis of the value of the benefits the injured worker is giving up. For this reason, great care must be taken in settling a workers’ compensation claim in North Carolina before all critical medical treatment is completed and the employee has reached the end of the healing period, called Maximum Medical Improvement MMI, . Prior to MMI it is impossible to accurately evaluate future medical needs and to identify any permanent physical limitations. In accepted cases it is usually better to wait until the injured worker has reached Maximum Medical Improvement before beginning settlement discussions.

In order to determine the value of a NC workers’ compensation clincher settlement the worker must first determine the medical treatment the worker is likely to need in the future and the cost of that treatment. This includes future medical appointments, medications, physical therapy and revisions to any medical hardware such as a revised knee replacement.

The injured worker must also factor in the remaining wage replacement disability benefits, including total disability and partial disability payments . This evaluation should include any assigned disability rating as well as the likelihood of continuing total disability or partial disability payments over the life of the claim. If the employee is expected to receive a stream of future disability benefits then those future payments should be reduced to their current value for settlement purposes.

Another important consideration is coordinating workers’ compensation benefits with other available benefits . Other benefits include Social Security disability, Medicare, Medicaid, private long or short term disability policies, and Social Security retirement. Settling a workers’ compensation case without regard to how it may affect these other benefits can be a serious mistake. In particular Medicare takes a dim view of a workers’ compensation claimant settling their case and then coming to Medicare to pay for medical treatment related to the injury. In fact, the law requires that injured workers consider Medicare’s interest in settling their workers’ compensation claim.

Social Security disability payments may be dramatically affected if the settlement documents do not properly “offset” settlement proceeds . There are several methods for calculating these Social Security offsets and the injured worker is entitled to pick the one that works best for them. If the worker fails to do this Social Security will determine how the funds are treated, often to the detriment of the worker.

Finally, it is important not to confuse the payment of a percentage disability rating with a settlement. The payment of a rating does not cut off medical benefits. (But note that medical benefits may end two years from the last payment of any compensation.) In addition, if a compensable injury worsens after a rating is paid the employee can request additional wage replacement compensation by making a change in condition claim within two years of receipt of the ratings payment. The payment of a rating is not a settlement, but does mark the beginning of an important two year deadline for additional benefits.

Whether to accept a settlement in a North Carolina workers comp case is a complicated question. There is no settlement calculator for a NC workers comp case.

If you have questions about whether you should accept a NC Workers Comp Settlement, please call or click for your free consultation with Board Certified Workers Compensation Specialist Kevin Bunn .

Workers Compensation Law – Lawyers, Attorneys, & Free Legal Information #workers #comp


Workers Comp

When an employee is a qualified worker within the workers’ compensation system, his or her employer is required to pay for workers comp insurance. If the worker is injured on the job, s/he will generally be entitled to collect benefits through workers comp. The workers comp system is designed to remove an employer s possible negligence as a factor when deciding whether or not a worker may collect benefits. In exchange for the simplicity of this system, the worker gives up his/her right to file a lawsuit against the employer using the civil court system, even if the employer is partially (or entirely) at fault for the accident itself.

To learn more about workers compensation and what types of benefits are available, refer to the articles and answers in this section.

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Revenue Source Codes #puget #sound #workers #compensation #trust


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Amounts levied on individuals, organizations, and businesses by the State Legislature for the purpose of funding state services. Some taxes are based on or derived from an underlying exchange transaction between a merchant and a customer upon which the state imposes a tax, such as sales and fuel taxes. Other taxes imposed on non-governmental entities are nonexchange in nature. Property taxes, imposed on the value of property owned, are an example of nonexchange tax revenue.

Retail Sales Tax

Tax levied on the selling price of tangible personal property and certain services purchased at retail. (chapter 82.08 RCW)

Tax Credits – Sales Tax

Credits allowed to offset sales tax liability. (chapter 82.12 RCW)

Business and Occupation Tax

Tax levied on gross receipts of all businesses operating in Washington. (chapter 82.04 RCW)

Tax Credits – B O

Credits allowed to offset business and occupation tax liability. (chapter 82.04 RCW)

Brokered Natural Gas

Tax levied on natural or manufactured gas that is consumed in Washington that has not been subject to the public utility tax. (RCWs 82.12.022 and 82.14.230)

Tax Credits – Brokered Natural Gas

Credits allowed to offset the brokered natural gas tax liability. (RCWs 82.12.022 and 82.14.230)

Tax levied on the acquisition cost of items used in Washington on which retail sales tax was not paid. Also known as use tax. (chapter 82.12 RCW)

Tax Credits – Compensating Tax

Credits allowed in statue to offset compensating tax liability. (chapter 82.12 RCW)

Hazardous Substance Tax

Tax levied on the wholesale value of certain substances which are defined as hazardous by statute or deemed to cause a threat to human health or the environment by the Department of Ecology. Specifically applies to petroleum products, pesticides and certain chemicals. (chapters 82.21 and 82.23B RCW)

Tax Credits – Hazardous Substance

Credits allowed in statute to offset the hazardous substance tax liability. (chapters 82.21 RCW and 82.23B RCW)

Motor Vehicle Fuel Tax

Tax levied on each gallon of motor vehicle fuel delivered from a terminal rack in Washington. Includes gasoline and other inflammable gas or liquids used to propel motor vehicles (excludes special fuels such as diesel and propane). (chapter 82.36 RCW)

Use Fuel Tax (Other Than Motor Vehicle Fuel)

Special tax levied on all combustible gases and liquids used to propel motor vehicles, except those subject to the motor vehicle fuel tax. (chapters 82.38 and 70.149 RCW)

Excise Telephone – Taxes

Enhanced 911 tax which is levied on telephone access lines (switched access lines, radio access lines, and interconnected voice over internet protocol service lines). (RCW 82.14B.030)

Liter Tax – Liquor

Tax levied on the selling price of spirits in their original packaging on a per liter basis. Spirits includes any beverage containing alcohol with more than 24% alcohol by volume. (RCW 82.08.150)

Liquor Sales Tax – Surcharge

Surcharge levied in addition to the liquor sales tax on the selling price of spirits in their original packaging. (RCW 82.08.150(4))

Click here if you would like to print a PDF Version of this document.

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Electrodiagnosis and Musculoskeletal Associates of Puget Sound #puget #sound #workers #compensation #trust


Physical Medicine Rehabilitation

Neck Pain Management Back Pain Management Multidisciplinary Pain Management

  • Our specialists will first seek to diagnose the cause of your pain
  • We will work with you to develop a treatment plan that centers on full recovery and relief
  • There are a variety of potential reasons why patients experience pain
  • If an underlying cause cannot be found, it is necessary to treat the symptoms
  • Speak to a dedicated pain management specialist today, and start feeling better

Making an Accurate Diagnosis is Step One

Let us help diagnose and treat your painful condition using the latest in state of the art pain management techniques. We offer a comprehensive range of treatment options for back and neck pain, ranging from conservative to aggressive non-surgical techniques.

Without a correct and accurate diagnosis, no pain treatment program can be fully effective. In all new patient evaluations, our pain management specialists take a detailed history, perform a physical examination, review and order imaging if necessary, and make an accurate diagnosis. Once a diagnosis is made, we can discuss the treatment plan that acknowledges your pain. Our pain management specialists typically prescribe non-opioid medication, offer a customized referral for physical therapy, and perform injections if deemed appropriate.

Developing a Treatment Plan

The goal of our neck and back pain therapy team is to stay away from chronic opioid (narcotic) therapy and to use a multi-modal approach to painful conditions using customized physical therapy, non-opioid medications which are safe and non-habit forming in the long term, and targeted injections.

We also refer our neck and back injury patients for massage therapy, chiropractic care, osteopathic manipulation therapy (OMT/OMM), and acupuncture as adjuvant treatment modalities. Each individual experiences pain differently, so there will be unique treatment plans for each patient. We also focus on the treatment of co-morbidities associated with pain such as sleep, mood, and emotional disorders.

Neck Pain Back Pain

For those patients that have persistent or recurrent back or spine pain, non-operative care is extremely effective. Our pain specialists will exhaust all means to help you avoid surgery, unless absolutely medically indicated.

Our physicians treat the following spine conditions:

  • Low back pain
  • Neck pain
  • Herniated discs
  • Degenerated discs
  • Pinched nerves
  • Sciatica and radiculopathy
  • Facet joint arthritis
  • Spinal stenosis
  • Thoracic pain
  • Compression fractures
  • Stress fractures
  • Arthritis of the spine

What Conditions Cause Neck Pain? A Neck Pain Specialist Answers

Neck pain is typically structural, linked to injury, and in some instances, linked to medical conditions. Our neck pain physicians routinely see pain-causing injuries resulting from strained muscles or ligaments, lifting something too heavy or with poor form, or a muscle spasm.

Structural problems that could cause neck pain include ruptured or bulging discs, pinched nerves, or arthritis. Some people may cause their own neck and back pain through their own behaviors, like having poor posture, having jobs that require them to stand or sit all day, or having poor form when lifting a heavy object.

Your neck pain physician will first want to find the underlying cause of the pain, so that a treatment plan can be formulated.

Our Back Pain Specialists Discuss Cause

Like neck pain, back pain is often caused by an injury or linked to some other medical condition. Our physicians have treated patients whose injuries were the result of ligament or muscle strain. Even lifting objects that are too heavy, or with improper form, can cause back injury or muscle spasm.

Structural problems that routinely cause back pain include sciatica, arthritis, and bulging or ruptured disks. Back pain may also be the result of behaviors that are self-imposed. Having poor posture or a job that forces you to stand or sit throughout the day are two such examples.

After discussing the nature of your pain, your physician will seek to diagnose the root cause.

How Do We Treat Neck and Back Pain?

As illustrated above, there are many different causes of back pain. Sometime our pain specialists oversee scenarios where pain issues resolve on their own. If the situation persists medical diagnosis and treatment are needed.

The same holds true for neck pain. If relief isn t forthcoming, your neck pain physician will pursue a management plan that focuses on treatment and full recovery.

The underlying cause of pain can be difficult to diagnose so most physicians focus on treating the symptoms to help their patients lead a pain free life. Treatment can range from medication and injections to physical therapy. Studies have shown that regular exercise has a positive effect on the reduction of back pain. Maintaining a healthy diet and weight can also help.

Let Our Dedicated Team of Physicians Help You Feel Better

Dealing with ongoing pain is more than a nuisance because it can rob you of life s pleasures. At EMA, we are dedicated to helping our patients find relief, so that they can get the most out of life. Contact our office today and put your trust in our team of dedicated, experienced, and highly qualified pain management physicians.

Disability Benefits Frequently Asked Questions #workers #compensation #frequently #asked #questions


Disability Benefits
(Off-the-Job Injury or Illness)

Frequently Asked Questions

  • Q. What is a day of disability?
  • A. A day of disability is one on which the employee was prevented from performing work because of disability and for which he/she has not received regular wages or remuneration.
  • Q. If an employee engages in work for remuneration or profit, even if done at home, while disabled, is he/she eligible for disability benefits?
  • A. No. As long as he/she is performing any kind of work for remuneration or profit, he/she is ineligible to receive benefits.
  • Q. Are the costs of medical care included?
  • A. No. Costs of medical care are not included under the statutory provisions of the Disability Benefits Law. However, where an employer or a union or association plan has been accepted as complying with the law, the worker is entitled to the benefits as described by the plan. Contact your employer to find out if it provides or participates in such a plan.
  • Q. May an employer/insurance carrier have an employee claiming benefits examined by a health care provider designated by the employer/carrier?
  • A. Yes. The employee must submit him/herself at intervals, but not more than once a week, to such examinations if requested. Exams are not paid for by the employee and are held at a reasonable time and place. Refusal to submit to an exam may jeopardize a claimant’s benefits.
  • Q. After a claim is filed, how soon will it be paid?
  • A. If a claim is properly completed with the required statements, the first payment should arrive within four business days after the 14th day of disability or four business days after the receipt of the claim, whichever is later. Benefits are payable every two weeks during the period of disability.
  • Q. Can a claimant collect Unemployment Insurance and Disability Benefits for the same period of time?
  • A. No.
  • Q. If an employee quits his or her job, may that employee receive Disability Benefits?
  • A. Termination of employment may affect an employee’s right to Disability Benefits.
  • Q. Can a claimant collect Disability Benefits for disability caused by pregnancy?
  • A. Yes. If she is disabled because of pregnancy, she may be entitled to up to 26 weeks of benefits. Disability can occur at any time during pregnancy.
  • Q. What determines disability due to pregnancy?
  • A. Disability can only be determined and certified by a physician or certified nurse midwife through the submission of medical reports. If a claimant becomes disabled more than four to six weeks prior to the anticipated birth date, or is disabled more than four to six weeks after the actual birth date, more detailed information regarding the disability may be required. The medical reports should describe specific symptoms, rather than just general prognosis. Note. An elective sterilization procedure will not extend the payable period of disability, since benefits are not payable for any period an individual is unable to work due to elective surgery.
  • Q. Can an employee collect disability benefits if on maternity leave?
  • A. Yes. If she is on a leave of absence without pay (i.e. maternity leave), and becomes disabled within four weeks of the last day she actually worked, she is entitled to benefits from the employer/carrier (if otherwise eligible). If the disability begins more than four weeks from the last day actually worked and she is claiming/receiving Unemployment Benefits, she is entitled to disability benefits from the Special Fund for Disability Benefits (if otherwise eligible).
  • Q. Is there a limit on the number of weeks a claimant can receive benefits?
  • A. Yes. There is a limit of 26 weeks of benefits during a period of 52 consecutive calendar weeks or during any one period of disability. The amount of benefits a claimant receives is dependent upon the length of time he/she is actually disabled as certified by a physician. (If an employer has a separate Disability Benefits Plan, more than 26 weeks of benefits may be paid, if so specified).
  • Q. What if a claimant is still disabled, but benefits have stopped?
  • A. If he/she received less than 26 weeks of benefits, is still disabled, and has not received a Notice of Rejection, he/she must submit further medical evidence to his/her employer, insurance carrier or the Special Fund for Disability Benefits. If he/she has received a Notice of Rejection, the claimant may request a review of the rejection by completing its reverse side and mailing it to the Disability Benefits Bureau at the Workers’ Compensation Board.
  • Q. Is a claimant entitled to Disability Benefits for an injury incurred in an auto accident?
  • A. Yes. However, the amount of the disability benefits may reduce any no-fault insurance benefits the claimant is eligible to receive.
  • Q. If a claim is rejected or not paid, may it be reviewed?
  • A. Yes. If a claim is rejected or not paid, the employee should complete the reverse side of the Notice of Rejection (sent by the employer/carrier/the Special Fund, within 45 days of its receipt of the claim) and mail it within 26 weeks to the Disability Benefits Bureau. The address is located on the back of the rejection notice, and in the back of this brochure. Where necessary, the Board will obtain further information and may hold a hearing on the claim. Benefits will be paid if a claim is determined proper and valid.
  • Q. If a claimant is entitled to or receiving Social Security Retirement Benefits, may he/she still receive Disability Benefits?
  • A. Yes. If he/she is entitled to Disability Benefits, the fact that he/she is eligible for or receiving old-age insurance benefits under the Social Security Act does not affect his/her right to Disability Benefits.

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Workers compensation lawyer virginia #workers #compensation #lawyer #virginia



Attorneys who appear before the Commission either must be licensed to practice law in Virginia and in good standing with the Virginia State Bar or have been admitted to appear pro hac vice in specific cases pursuant to Rule 1A:4 of the Rules of the Supreme Court of Virginia.

The Virginia Rules of Professional Conduct apply to attorneys who appear before the Commission.

All fees for legal services rendered to injured workers must be approved and awarded by the Commission pursuant to Va. Code §65.2-714(A). In determining a reasonable attorney’s fee, the Commission does not use a fee schedule or percentage factor but rather considers the time consumed, the efforts expended, the nature of the services and the results. (See, Marcus v. Foley, 64 O.I.C. 224 (1985).

Attorneys may note representation and file documents in specific cases electronically through the Commission’s WebFile system.

Attorneys may subscribe to receive copies of workers’ compensation opinions. The Commission provides e-mail copies of Commission Review opinions, as well as opinions from the Virginia Court of Appeals and Supreme Court that are relevant to workers’ compensation, as they are issued. Please click here for more information about subscribing to this list .

All visitors, including attorneys, parties and witnesses, may be required to present photo identification to enter Commission facilities.

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© Copyright 2017 – Virginia Workers’ Compensation Commission

Workers – Compensation Lawyer in Richmond, VA #workers #compensation #lawyer #virginia


Richmond Workers Compensation Lawyer

If you have been hurt on the job or suffered a work-related illness, you are likely entitled to workers’ compensation benefits. Under Virginia law, most workers who suffer an injury or illness connected to work may receive payment of medical bills and disability benefits. Families of those who were killed in a workplace accident may be entitled to death benefits.

Getting the benefits you deserve should be a fair process. But that’s not always the case. Employers’ insurance companies often look out for their own best interests – instead of those of employees who need to make ends meet while out of work. Insurers often try to minimize the workers’ compensation claim or deny it outright.

Don’t give up on your workers’ compensation claim. Just call Geoff. The lawyers at Geoff McDonald Associates understand Virginia workers’ compensation law. We’ve helped hundreds of people just like you get the benefits they need and have already earned.

Call our Virginia workers’ compensation lawyers today for a free case evaluation. Our attorneys can answer your questions, such as:

  • Am I entitled to workers’ compensation for my workplace injuries?
  • What do I need to do to recover workers’ compensation benefits?
  • What should I do if my claim is denied?
  • How can a lawyer help after a workplace injury in Virginia?

Benefits for Work-Related Injuries Diseases

Workers’ compensation provides broad protection. Unlike personal injury claims, negligence – either your own or your employer’s – does not have an impact on your claim. In other words, you don’t have to show that your employer did anything wrong. You may be eligible for benefits even if the accident was partly or entirely your fault.

Under Virginia law, you may receive benefits for any injury that happened as a direct result of your job, even if that injury happened away from your normal worksite.

For example, you may be entitled to workers’ compensation benefits if:

  • You were in an accident on the job. This includes car accidents that happen while you are working. However, crashes while commuting are usually not covered.
  • You developed carpal tunnel syndrome.
  • You got sick due to exposure to toxins at work, such as chemicals, asbestos or lead.

Claiming Compensation for a Workplace Injury or Illness

After a workplace injury, you should get prompt medical help and give notice of the injury to your employer as soon as possible.

Getting medical help right away is important to address your injury or illness. You will also need documentation of your medical condition and how it was related to your work.

Notifying your employer is important to protect your right to workers’ compensation benefits. You have just 30 days to let your employer know about your injury or you could be denied benefits.

A lawyer at Geoff McDonald Associates can help you provide written notice and include details to increase the likelihood your claim will be approved. Hiring an attorney is especially important at this stage if your injury arose from toxic exposure or you think it was due to repetitive stress. It can be more difficult to prove that these injuries were caused by your job.

Employers have to file a First Report of Injury (FROI) with the Virginia Workers’ Compensation Commission within 10 days after serious injury or death (30 days for minor injuries). You should then receive an Award Agreement from the insurer explaining your benefits. If an award is not entered, you have two years from the date of your injury to file a claim.

You should not have to do anything to receive benefits other than alert your employer about your injury. Unfortunately, things don’t always work that way.

Claims are often denied, benefits are not paid on time or in full, and injured workers are pressured to go back work before they are ready. Geoff McDonald Associates can handle these issues for you – without collecting attorney’s fees unless and until we secure compensation for you.

What to Do If a Claim for Benefits is Denied

If your claim for workers’ comp benefits is denied, you can appeal.

There are multiple stages of appeal, including a Request for Hearing before a workers’ compensation judge. This is similar to a court hearing but is handled by the Workers’ Compensation Commission and the judge is called a Deputy Commissioner.

There are procedural requirements for appeals, so it is a smart choice to get help from a lawyer who has focused his practice on workers’ compensation claims. At Geoff McDonald Associates, we have more than 20 years of experience helping injured workers.

Get Help from a Virginia Workers’ Compensation Lawyer

When you’ve suffered a workplace injury and need workers’ compensation benefits, our attorneys will fight to get you the money you deserve for lost wages, medical costs and fees, vocational rehabilitation or retraining.

  • We make it our job to understand your individual needs and circumstances.
  • We know the system, and we’ll guide you through it to obtain the maximum workers’ compensation and other benefits you’re eligible for.
  • We’ll make sure you’re fully informed and educated about your case at every step of the way.

At Geoff McDonald Associates, our team of aggressive and experienced workers’ compensation attorneys and case managers focus on you. We have the information and resources to help both union and non-union workers get the compensation they deserve. We know firsthand how insurance companies often deny valid workers’ compensation claims or stall the process so that you simply give up. We won’t let that happen to you.

The consultation is free and there are no strings attached.

Featured From the Blog

The Workers Compensation Claim Process #do #i #need #a #workers #compensation #lawyer,


The Workers’ Compensation Claim Process

Most employers are required to carry workers’ compensation. or workers’ comp, insurance to cover employees who are injured on the job. Employees do not have to prove fault in order to recover, but benefits are not automatic. Specifics of the workers’ compensation claims process vary by state, but injured employees generally must notify their employer and the workers’ comp carrier. Regardless of state laws, however, injured employees are always encouraged to obtain any necessary medical treatment first.

Assuming you’ve already received medical attention, the workers’ compensation claim process involves several important steps. You must notify your employer in writing; fill out an official claim form (which should be provided by your employer); and keep detailed records about your treatment.

The workers comp claim process is discussed in greater detail below.

Get Immediate Medical Attention

Before filing a workers’ comp claim, make sure you get the necessary medical treatment. Some workers’ comp policies require injured employees to see a specified doctor, so you may want to ask your supervisor. But many state laws allow you to get a second opinion if you are not satisfied with the first one. Even if you don’t feel the need to get medical attention, it may be a requirement for the workers’ compensation claim process.

Keep in mind that a medical report will serve as an official record of your injuries and the basis for any workers’ comp reimbursement.

Notify Your Employer

Make sure you notify your employer about the injury within the statutory deadline, preferably soon after the injury occurs. In New York, for example, an employee has 30 days in which to notify their employer about a job-related injury. It’s a good idea to report all workplace accidents even if you don’t suspect an injury, just in case an injury is discovered after the deadline expires.

As with any legal process, make sure you notify your supervisor in writing. Even if you give verbal notification first, a written follow-up notification will provide an official record. The sooner you do this, the more details you will be able to recall.

Your employer probably will give you an official claim form as part of the workers’ compensation claim process. But if not, you should request one from the workers’ compensation board of your state. Generally, you will need to provide the following information on your workers comp claim form:

  1. Type of injury and affected areas of the body;
  2. Date, time, and location of injury;
  3. Parties involved in the accident;
  4. How the accident occurred; and
  5. Any medical treatment you have received

Workers’ Comp Claim Process: Employers’ Responsibilities

Employers that are required by law to provide workers’ comp coverage face the prospect of fines, criminal charges, and lawsuits if they fail to do so. Also, employers may not retaliate against a worker who claims workers’ comp. Therefore, employers have strong incentives to comply with the law and complete all valid claims.

Usually, your employer will file your claim with its insurer and the state workers’ comp board office. After your claim is evaluated by the insurer, an administrator will notify you about whether your claim has been accepted and the amount of benefits to which you are entitled.

After the Claim

Most of your involvement with the workers’ compensation claim process is complete after filling out the necessary paperwork. But you still want to follow up on your claim and make sure you keep detailed records. For instance, you may want to keep a journal of how the injury affects your work and day-to-day activities. Also, be sure to keep receipts for out-of-pocket expenses and proof of any other hardships caused by the injury.

If your claim is rejected, you will have the opportunity to appeal in most cases.

Need Help with Your Claim? Get Free Legal Assistance Today

Dealing with complicated legal matters can be very stressful for non-lawyers, especially after sustaining a work-related injury. The workers’ compensation claim process is often uneventful, but sometimes can require the delicate touch of an experienced legal professional. Have a workers’ comp attorney evaluate your claim today. at absolutely no charge.

See FindLaw’s Workers’ Compensation Basics section for more articles.



The Law Library Staff prepares “Research Frequently Asked Questions” (FAQs) for the convenience of our users to provide access to a variety of sources addressing particular points of law. These are general legal information sources, and are not to be construed as a substitute for personal legal advice from an attorney. Please seek legal counsel to help you determine the applicability of any of the information in these resources to your specific situation. The Law Library makes no recommendation as to whether you should purchase any services offered by the websites contained in this FAQ.

  • Ohio Government Agencies

    • For information on Workers’ Compensation, including how to apply for Workers’ compensation benefits, information for businesses and medical providers, link to: Ohio Bureau of Workers’ Compensation
  • Law Firm Websites with Workers’ Compensation Information:

    • Gruhin Gruhin Attorneys: BWC claim deadlines chart ; descriptions of the various types of compensation, for example temporary total disability, permanent partial disability, permanent total disability; discusses payments for medical bills and wage loss.
  • Jaffy Law Firm. Has a Workers’ compensation guide, recent Workers’ compensation cases and more.

    The Cleveland Law Library makes no recommendation as to whether you should hire these firms for legal representation.

  • NOLO Q A. Can I be laid off while on Workers’ compensation leave?

  • WorkersCompensation.Com. Information for employees, employers, insurers, adjusters, medical providers and attorneys. Forms, news and legislative updates.
  • Books, Journals Recent Articles:

  • Workers’ Compensation Journal of Ohio

  • Avila, Janine T. The dual-capacity doctrine: one way to slay the workers’ compensation immunity dragon. 12 Ohio Trial 29 (Issue 2, 2002)

  • Avila, Janine T. Kissing cousins: the relationship of the dual-capacity doctrine to workers’ compensation. 21 Workers’ Comp. J. of Ohio 61 (Nov./Dec. 2006)

  • Bartman, Douglas, Workplace violence: does it fit within the intentional tort exception to workers’ compensation exclusivity. 76 Clev. Bar J. 28 (Apr. 2005)

  • Crosby, Elizabeth, The not-so-predictable costs of workers’ compensation. 77 Clev. Bar J. 32 (Nov. 2005)

  • Elliott, Linda U. et al. Is retrospective rating returning to fashion?. 21 Workers’ Comp. J. of Ohio 49 (Sept./Oct. 2006)

  • Fabian, John Matthew Antoinette F. Gideon, The law and psychology in workers’ compensation claims. 83 Law Fact 22 (July 2007)

  • Fulton, Philip J. Substantial aggravation: the more things change. . 17 Ohio Trial 7 (Spr. 2007)

  • Goodman, Jonathan, Workers’ compensation and gradual onset injuries. 15 Ohio Trial 15 (Summer 2005)

  • Gray, David E. “Proximate cause” in the workers’ compensation universe. 21 Workers’ Comp. J. of Ohio 28 (May/June 2006)

  • Harrelson, Laura G. Subrogation rights under Ohio workers’ compensation law. 24 Workers’ Comp. J. of Ohio 32 (Jul./Aug. 2009)

  • Mackin, Kerry M. Employer’s perspective: the substantial aggravation standard: an update. 25 Workers’ Comp. J. of Ohio 21 (May/June 2010)

  • Merlino, Michael R. Medicare’s role in workers’ compensation cases. 21 Ohio Lawyer 10 (May/June 2007)

  • Roach, Megan K. Joan M. Verchot, Employer’s perspective: the real workers’ compensation reform. 22 Workers’ Comp. J. of Ohio 22 (July/Aug. 2007)

  • Reid, Lisa, et al. Ward. v. Kroger Co. defining the court’s 4123.512 jurisdiction. 77 Clev. Bar. J. 20 (Nov. 2005)

  • Ross, William L. S. Injuries can send workers’ comp rates soaring: a different perspective. 22 Workers’ Comp. J. of Ohio 13 (Mar./Apr. 2007)

  • Starkoff, Jack R. The Coolidge conundrum: can an employee be terminated while on workers’ comp leave?. 78 Clev. Bar J. 14 (May 2007)

  • Stewart, Laura M. Joan M. Verchot, Faulty interpretation: The Ohio Supreme Court’s recent decision in Gross v. Industrial Commission raises questions about the no-fault system in Ohio workers’ compensation law. 22 Workers’ Comp. J. of Ohio 5 (Jan./Feb. 2007)

  • Termination for misconduct may terminate temporary total disability compensation. 1 Ohio Bus. L. J. 33 (Jan./Feb. 2007)

  • Verchot, Joan M. Employer’s perspective: gross injustice? The Ohio Supreme Court “voluntarily abandons” its decision in Gross I–but does Gross II solve the problem or just create new ones?. 22 Workers’ Comp. J. of Ohio 41 (Sept./Oct. 2007)

  • Verchot, Joan M. Laura M. Stewart, Industrial Commission raises questions about the no-fault system in Ohio workers’ compensation law. 22 Workers’ Comp. J. of Ohio 5 (Jan./Feb. 2007)

  • Volpini, Laura L. Do you know the consequences of terminating an employee on temporary total disability?. 1 Tort L. J. of Ohio 105 (Jan./Feb. 2007)

  • Wilkinson, George B. Bureau finalizes 2009 rating changes. 24 Workers’ Comp. J. of Ohio 9 (Mar./Apr. 2009)

  • Wilkinson, George B. Current issues facing the BWC. 23 Workers’ Comp. J. of Ohio 12 (Mar./Apr. 2008)

  • Wilkinson, George B. Group rating-“Take Two,” 23 Workers’ Comp. J. of Ohio 17 (May/June 2008)

  • Wilkinson, George B. Ohio workers’ compensation costs compare favorably to other states. 26 Workers’ Comp. J. of Ohio 1 (Jan./Feb. 2011)
  • Created on: May 21, 1999 –

    St louis workers compensation attorney #st #louis #workers #compensation #attorney


    St. Louis trial lawyers working for our communities in Missouri and Illinois

    The legal system can be intimidating, no matter who you are. If you have lost a loved one in a car accident caused by another driver s carelessness or if you are hurt at work, you know you are entitled to compensation. If you are injured by an uninsured motorist, or a driver whose insurance limits are very low, the process can be even more confusing. And if your work-related injury is so severe that you can no longer work, you need legal representation to help you get what you are entitled to not only from the workers compensation system, but also from the Social Security Administration as well.

    But going up against bosses, insurance companies, and major corporations is not something you can do alone. To fight the big cases you need a qualified St. Louis accident attorney who cares about your case.

    The technical language used by courts and insurance companies is difficult to understand even if English is your first language. If English is your second language, it is even more important to ensure that you understand every document and letter that pertains to your case. The St. Louis trial lawyers at Bollwerk Tatlow are sensitive to the needs of our growing immigrant communities. When you work with us, we make sure that every detail of your case and every option is clear to you.

    Bollwerk Tatlow is a St. Louis personal injury law firm, centrally located within thirty minutes of four county seats and their courthouses, and serving clients across Missouri and Illinois. The Missouri workers compensation lawyers at Bollwerk Tatlow handle a range of practice areas including workers compensation, motor vehicle accidents, defective products, and medical malpractice.

    Attorneys Jill S. Bollwerk and Phillip A. Tatlow. assisted by their talented and dedicated staff, will go to trial even against the biggest companies. Bollwerk Tatlow has the experience, resources, and manpower to fight big cases because the St. Louis community has put its trust in our firm.

    We feel great when we help people who really need us.

    If you were injured while at work in Missouri or in Illinois, the St. Louis workers comp attorneys at Bollwerk Tatlow can help you understand your worker s compensation claim and protect your right to fair compensation for your injuries and loss of income.

    If you were hurt or your loved one was killed in a Missouri or Illinois car, truck, or motorcycle wreck, whether the accident happened in downtown St. Louis or on I-170, on Highway 40 or I-255. Bollwerk Tatlow can help you with your accident claim.

    Jill Bollwerk worked briefly as a trial attorney for a major insurance company. As a former insider, she knows the strategies that insurance companies use to push you toward a settlement that is less than fair. And she knows how to push back.

    With offices located only block from the local Harley Davidson dealership, the St. Louis trial lawyers at Bollwerk Tatlow know the motorcycling community and will be happy to handle your motorcycle accident case .

    A defective product can be almost anything that causes you or your family harm because it doesn t work properly. Cases can include automobile defects, motorcycle helmet defects, defective medical devices, clothing and safety equipment defects, and more.

    At Bollwerk Tatlow we care about our community. Our tough but compassionate personal injury attorneys are proud to protect injury victims and give them the support they need. The St. Louis workers comp attorneys at Bollwerk Tatlow also have strong ties to many local unions.

    When you work with a Bollwerk Tatlow trial lawyer, you will always be in contact with someone who understands your situation and knows your case.

    If you or someone you love.

    • Was involved in a motor vehicle accident
    • Sustained an injury while at work or developed a work-related medical condition
    • Came to harm because of a defective product
    • Was denied Social Security or long-term disability benefits

    . In Missouri or Illinois.

    Please call Bollwerk Tatlow at 314-315-8111 (toll free at 877-315-8111 ) or fill out our online contact form to schedule a free consultation.

    Bollwerk Tatlow, LLC is located in St. Louis, Missouri and serves all of Missouri and Illinois including the following counties, cities, and towns:

    St. Louis. St. Louis County. Clayton, Chesterfield, Kirkwood, Florissant, Oakville, University City, Mehlville, Wildwood, Ballwin, Affton, Maryland Heights, Hazelwood, Webster Groves, Brentwood, Lemay, Bellefontaine Neighbors, Manchester, Town and Country, Ferguson, Glendale, Creve Coeur, Maplewood, Bridgeton, Ladue, Jennings, Saint Ann. Jefferson County : Arnold, Festus, Murphy, Barnhart, De Soto, Fenton, Byrnes Mill. St. Charles County. O Fallon, St. Charles, St. Peters, Wentzville, Lake St. Louis, Weldon Spring. Franklin County. Washington, Union, Sullivan, Pacific, Saint Clair. Warren County. Warrenton, Wright City. Lincoln County. Troy, Elsberry, Moscow Mills. Boone County. Columbia. Southern Illinois .

    Workers’ Compensation

    The tough but compassionate St. Louis trial lawyers of Bollwerk Tatlow handle Illinois and Missouri workers compensation cases. Our experienced St. Louis workers comp attorneys will protect your right to full and fair compensation for work injuries and work-related illness and death. At Bollwerk Tatlow, we care about our community, and we have the resources to go to trial in the biggest cases. Our accident attorneys are sensitive to the needs of a growing immigrant community in the Greater St. Louis Area and all around Missouri and Illinois. Please contact us at 314-315-8111. DOWNLOAD OUR FREE E-BOOK ON HANDLING YOUR OWN MISSOURI WORKERS COMPENSATION CASE!

    Motor Vehicle Accidents

    The tough but compassionate trial lawyers at Bollwerk Tatlow have earned the trust of the St. Louis community. Bollwerk Tatlow attorneys handle a range of cases in Missouri and Illinois including motor vehicle accidents. We have the resources to go to trial in the biggest car crash, truck accident, and motorcycle wreck cases. Our lawyers are familiar with the motorcycling community and are sensitive to the needs of a growing immigrant community in the Greater St. Louis Area and all around Missouri and Illinois.

    Defective Products

    At Bollwerk Tatlow, we care about our community and its safety. Our tough but compassionate St. Louis trial lawyers handle defective product and product liability cases throughout Missouri and Illinois. The attorneys at Bollwerk Tatlow handle cases involving vehicle defects like rollovers and car fires, drug recalls, clothing safety defects, medical hardware failures, and more. We have the resources to go to trial in the biggest cases because we have earned the trust of the St. Louis community. We also understand the needs of our growing immigrant communities in Missouri and Illinois.

    Insurance Appeals

    Bollwerk Tatlow can handle your appeal when you are denied accidental death or disability insurance benefits.

    Arizona Personal Injury Attorneys #personal #injury #lawyer, #injury #lawyer, #accident #lawyer, #accident


    Zanes Law

    Tucson Phoenix Personal Injury Lawyers

    The Zanes Law injury lawyers have helped clients recover tens of millions of dollars on their personal injury claims. Over the years, we have helped thousands of clients on everything from normal everyday car accident claims to extremely complex wrongful death claims. We take an aggressive approach to how we represent our clients because we care deeply about them and understand that we are here to fight for them. Our personal injury lawyers are some of the best in Arizona and have helped clients on a variety of injury cases, which include car accidents, truck accidents, bicycle accidents, motorcycle accidents, wrongful death claims, and more. We are personal injury attorneys and car accident lawyers with years of experience.


    We are an Arizona personal injury law firm with offices in Tucson and Phoenix, but we help clients nationally. So regardless of your location, we can help you on your personal injury or car accident case. Our Tucson and Phoenix personal injury lawyers are here to help you, regardless of where you live.


    If you drive a car, unfortunately sooner or later you will be involved in a car accident. At least that is what the statistics show. If and when that happens, Please call a Zanes Law Phoenix car accident lawyer or Tucson personal injury attorney so that we can help you. This is important. It is important that you have a Phoenix personal injury attorney or a Tucson car accident lawyer who has the experience to get you the compensation that you deserve. Hiring the right personal injury lawyer will help to ensure that you get the highest compensation possible. Although there are many car accident law firms and personal injury lawyers to choose from, it is the Arizona car accident lawyers at Zanes Law who have a proven track record of success. Our personal injury lawyers strive to provide our clients with the best possible representation and our car accident lawyers have successfully helped thousands of clients.


    The attorneys at Zanes Law have helped thousands of injured people make smarter, more confident legal decisions so that they are made whole after an accident. Today it’s your turn.

    Do you have questions or concerns about health insruance, providers, and covering medical costs?

    Medical Bills

    Medical bills caused by an auto accident are a cost that should be covered by your injury settlement. If you have health insurance, you should present your insurance card to all medical providers so they will bill your health insurance. If you do not have health insurance, you will need to find a medical provider that will treat you on a lien. This is something that Zanes Law can help you with.

    *Treating on a lien: This means that you will not be charged any up-front costs for treatment and the provider will be compensated upon your settlement. This provider would require payment for their services before you receive your proceeds from the claim.

    Property Damage Insurance

    Car rentals: If you have rental car coverage through your insurance carrier, you should request your car rental through them. It’s usually an easy process and your insurance will be reimbursed if liability is accepted by the adverse party. When you do not have rental coverage, you will have to wait until liability is established with the other driver’s insurance.

    Property damage: Open a property damage claim with your insurance company (even if the accident is not your fault). If you have collision coverage on your insurance, your insurance company will fix your car and will work with the other car’s insurance to ensure they cover the costs. Please note, you may be required to pay your deductible up-front if liability has not yet been established. Once it is, your insurance company will be able to get your deductible back and reimburse you. Click here for information about property damage after a car accident.

    Bodily injury: Injury claims are completely different than property damage claims. If you are injured due to a car accident, we recommend you consult with a personal injury lawyer or accident lawyer to open your bodily injury claim for you. If you were injured in the accident, you need to seek medical care immediately and you need to speak with a personal injury attorney as soon as possible. If you are injured and choose to speak with the insurance adjuster on your own, you must make it clear to the adjuster that you are in fact injured. However, our advice is that you seek the assistance of a personal injury attorney and that you limit the conversations that you have with the insurance adjuster. Let your personal injury attorney handle all of these conversations on your behalf.

    Lost Wages Compensation

    Lost wages: If your accident has caused you to miss time from work, you are entitled to some type of compensation through your injury claim. You should document all time you took off and keep all doctor’s notes that justify your time off.

    Pain and Suffering: This is a term used in the legal industry that refers to emotional and physical stress, as well as the actual physical pain, caused by a car accident. Injury victims are entitled to compensation for pain and suffering.

    Overall compensation: Settlement amounts are directly correlated to the facts of a particular case. Some factors that determine a settlement amount are: types of injuries sustained, how long the individual sought medical treatment, total amount of medical bills, future medical bills, and many other factors. We recommend that you contact the personal injury attorneys at Zanes Law in order to find out what the actual value of your claim is.


    Bills, property damage, medical treatment, insurance, lost wages, and compensation.

    If all of the above are concerning you right now, we recommend you speak to a personal injury attorney to answer your specific questions. Yes, a personal injury attorney. Not a general attorney who practices all case types. A personal injury attorney works on these cases all day, everyday and is more experienced when it comes to injury claims. An accident attorney can assist with motorcycle accidents, trucking accidents, construction accidents, premise accidents, bicycle accidents, mass torts, burn injury and class action lawsuits to name a few.

    Arizona Law Offices

    4222 E. Thomas Rd. #230
    Phoenix, Arizona 85018
    United States
    Phone: 602.999.9999
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    Online Social Work Degree Guide: BSW, MSW & PhD #degrees #for #social


    Step #1. Research accredited social work degree programs

    Social work regulatory boards typically require that social work degrees be obtained from programs that are accredited by the Council on Social Work Education (CSWE ), Canadian Association for Social Work Education (CASWE ), or other nationally recognized accrediting agencies.

    Step #2. Obtain the required education

    You can pursue a social work degree at either the bachelor s or master’s level. In many states, baccalaureate social workers are licensed professionals.

    Step #3. Fulfill all fieldwork hours at a local agency

    BSW and MSW programs require students to complete a specific number of hours at an organization or agency that relates to their career interests.

    Step #4. Complete all state requirements

    Each state has its own specific requirements for licensing that must be fulfilled before exam eligibility is granted. Visit your state s licensing board for more information.

    The level of test you take depends largely on your education and experience level. The different levels of tests are as follows:

    • Bachelor s. A test for social workers with a BSW and no post-degree experience.
    • Master s. For social workers with an MSW and no post-degree experience.
    • Advanced Generalist. For social workers with an MSW and at least two years of post-degree experience in non-clinical settings.
    • Clinical. For social workers with an MSW and at least two years of post-degree experience in direct clinical practice settings.

    Step #6. Maintain record of all continuing education courses and programs

    Each state has its own unique rules on continuing education credits for licensed social workers that vary by area of specialty. Visit your state s licensing board for more information.

    • Additional information can be found by visiting the NASW Continuing Education Portal.

    Sacramento Workers – Comp Attorneys #sacramento #workers’ #comp #attorneys, #workers’ #comp #attorneys


    Sacramento Workers’ Comp Attorneys

    When you are injured on the job, you have the right to file a claim to receive compensation and benefits. For many people, however, filing for workers’ comp can be confusing and stressful. A skilled workers’ comp attorney in Sacramento can guide you through the process and help you get the reimbursement you deserve.

    Following are ways a lawyer can assist you in filing a claim:

    • Reporting your injury: If you suffer an injury at work, you must file a claim immediately. If you are anxious about filing, an experienced attorney can walk you through the process. Although you have one year from the time of injury to file, you must make a claim within the first 30 days in order for your case to be taken seriously. Your Sacramento workers’ comp lawyer can help you file in a timely manner.
    • Finding witnesses: Having witnesses is vital to filing a successful workers’ comp claim. With the assistance of your attorney, you must find anyone who saw the accident. If no one witnessed the injury, locate any individuals who assisted you after you were hurt. An employment law attorney in Sacramento can also help you find anyone who heard your cry for help.
    • Choosing your own doctor: After sustaining a work-related injury, your employer may send you to one of their physicians. With the assistance of an experienced team of Sacramento workers’ comp lawyers, you may be able to visit your own doctor instead. The diagnosis your doctor gives you is extremely important in securing compensation.
    • Offering you sound advice: One of the most important ways an employment law firm in Sacramento can assist you in filing a workers’ comp claim is by offering you sound legal advice throughout the process. Being injured at work can be frustrating and sometimes embarrassing and a skilled lawyer is a valuable ally who can look out for your best interests.

    The Benefits of Hiring a Workers’ Comp Lawyer

    Hiring a Sacramento employment attorney can significantly increase your chances of recovering damages. However, you must choose a law firm that focuses on workers’ comp cases. The law firm of Mastagni Holstedt, A Professional Corporation has the experience, dedication, and proven record of success when it comes to helping individuals who suffer job-related injuries.

    Contact Our Experienced Legal Counsel

    Find out how the Sacramento workers’ comp lawyers of Mastagni Holstedt, A Professional Corporation can assist you or your organization by contacting us online or calling 916-446-4692 for a free consultation.

    • 916-446-4692
    • Email

    Arizona Business Insurance Quotes #arizona #business #insurance #quotes, #arizona #business #insurance #rates,


    Oops! This version of your browser is not compatible with our application. Please contact us and we will personally help you: 800-688-1984 8am-5:30pm CST Mon-Fri. Or email us.

    Oops! This version of your browser is not compatible with our application. Please contact us and we will personally help you: 800-688-1984 8am-5:30pm CST Mon-Fri. Or email us.


    Savings Tips

    • Increased power consumption in the summer can lead to rolling blackouts and loss of workplace functionality. Ask your agent if a business interruption insurance policy is right for you.
    • The distance between job sites can be high in AZ, due to a low density population. This added driving between jobs might put your employees at higher risk for accidents. Call is to review your business insurance policy to ensure adequate coverage.
    • Arizona is home to a lot of data centers and tech-related industry. Is your professional liability insurance adequate to ensure you remain eligible for as many subcontractor jobs as possible? Update your policy today!

    Arizona Business Insurance

    Complete a single online application and compare rates.

    Get your free. no-obligation quote now!

    Arizona has some unique considerations when it comes to quoting business insurance. The economy of the state is driven largely by tourism during the winter and spring months of the year. As a result, the Arizona business insurance needs of these tourism driven companies varies from month to month. Getting a “one size fits all” business insurance policy is not always the best idea – speaking with a Business Insurance Now agent about customizing your business insurance to fit your needs, however, is a wise investment.

    Unique Considerations for Purchasing Insurance for your Arizona Business

    When getting quoted on an Arizona business insurance policy, your agent should keep in mind the unique risks associated with doing business in the state. While there might not be too many natural disasters in the state, intense heat during the summertime can lead to an increase in workers compensation claims or strain on electricity supply causing rolling blackouts and data loss. Even if you think that your business might not need coverage in certain areas, discussing your needs with an agent can help you adequately determine your Arizona business insurance risks.

    Give us 15 minutes or less. and we’ll have you covered! Start by getting our free, no-obligation online quote. and you’re on your way to saving time and money!

    Let us help you find and bind any of the following coverages:

    Business Liability Insurance Package Policy. Often referred to as a Business Owner Policy or “BOP,” this General Liability package policy protects your company in the event a client is injured on your premises, or if you or one of your employees causes an injury or property damage at a client’s location.

    Professional Liability Insurance. Professional Liability or “Errors & Omissions” Insurance provides coverage in the event you are legally obligated to pay for economic damages to your client or a third party caused by your alleged negligent or improper advice — or other errors or omissions in your work. This coverage is critical for professional services companies.

    Workers Compensation Insurance. Required in many states, Workers’ Compensation Insurance provides medical and disability coverage for company employees in the event of a work-related illness or injury.

    Employment Practices Liability Insurance. EPLI insurance provides the protection you need should one of your employees allege any number of employment practice violations. These violations include age, race or gender discrimination, wrongful termination and sexual harassment. EPLI is essential coverage in today’s litigious workplace.

    Additional States

    Business Insurance Now is America’s #1 online insurance agent for small business, including the self-employed and companies with 10 or fewer employees. Business Insurance Now allows businesses to apply for insurance and receive multiple quotes from leading insurance carriers including CNA, Zurich, The Hartford, Philadelphia, Travelers, ACE, USLI, and Hiscox. We offer business owners a variety of insurance protection, including: General liability insurance, professional liability, errors & ommissions, excess liability, umbrella insurance, workers compensation, fidelity bonding, and more. (CA License #0G11129)

    © 2015 Business Insurance Now. ALL RIGHTS RESERVED.

    MN Insurance Agent Minnesota Auto Car Homeowners Life Health Quote Columbia Heights


    McAlpin Agency, Inc.

    Our Mission

    As an Independent Insurance Agency, it is our goal to provide you with the best coverage at the lowest price from a top quality company.

    To request a quote for MN insurance, click on the Quotes link above.
    Then choose the line of insurance from the Quote Forms menu that will appear.

    There are quote forms for Auto / Car, Homeowners, Health, Medicare Supplements, Medicare Advantage Plans, Medicare Part D Prescription Drug Plans, Life, Dental, Long-Term Care, Disability Income, Global / Travel Medical insurance, Employee Benefits, Commercial, Motorcycle, Watercraft (boats), Jet Ski (personal watercraft) Snowmobile.

    At McAlpin Agency, Inc. we are committed to protecting your privacy as a visitor to this Web site and as our customer. To our visitors and to our customers, we offer this pledge:

    McAlpin Agency, Inc. is the owner of the information, which is collected on this Web site. We will not sell, disseminate, disclose, trade, transmit, transfer, share, lease or rent any personally identifiable information to any third party not specifically authorized by you to receive your information except as we have disclosed to you in this Privacy Policy.

    Information Collection
    We will ask you to provide your personal information to us when you enroll for coverage and when you purchase an insurance policy from us. We will also ask you to provide your personal information to us when you send e-mail to us from this Web site. When you enroll for an insurance policy at McAlpin Agency, Inc. we will ask you to provide your name, home address, mailing address, telephone number and e-mail address. This information will be provided to the insurance company when you purchase an insurance policy so they can establish you as a policyholder. We will maintain a record of your information at the offices of McAlpin Agency, Inc. so we can provide you with policyholder service. The employees of McAlpin Agency, Inc. are each required to sign and acknowledge a Confidentiality And Nondisclosure Agreement. Each employee has been instructed on maintaining the privacy of each customer and the importance of protecting the customer’s personal information.
    When you purchase an insurance policy from McAlpin Agency, Inc. you will pay the premiums with your credit card or personal check. If you use your credit card to pay the premium, your credit card information is deleted from our records after your purchase has been authorized. A transaction number will be provided to you on your Binder Of Insurance. You may use this transaction number as a reference to the credit card purchase. We do not keep a record of your credit card information. If you pay the premium using your personal check, we will keep a copy of your check in your file.

    When you send us e-mail from this Web site, you will provide us with certain personally identifiable information including your e-mail address.

    Third Party Links
    This Web site may contain links to third party Web sites that are not controlled by McAlpin Agency, Inc. These third party links are made available to you as a convenience and you agree to use these links at your own risk. Please be aware that McAlpin Agency, Inc. is not responsible for the content of third party Web sites linked to YOUR AGENCY NAME nor are we responsible for the privacy policy or practices of third party Web sites linked to McAlpin Agency, Inc. Our Privacy Policy only applies to information we collect from you while you are at and while you are actively in a session with McAlpin Agency, Inc. If you should link to a third party Web site from McAlpin Agency, Inc. we strongly encourage you to review and become familiar with that Web site’s privacy policy.

    Changes In Our Privacy Policy
    We reserve the right to change this Privacy Policy without providing you with advance notice of our intent to make the changes.

    If you have any questions about our privacy policy, please feel free to contact us at:

    Statements on this web site as to policies and coverages provide general information only. This information is not an offer to sell insurance. Insurance coverage cannot be bound or changed via submission of any online form/application provided on this site or otherwise, e-mail, voice mail or facsimile. No binder, insurance policy, change, addition, and/or deletion to insurance coverage goes into effect unless and until confirmed directly by a licensed agent. Any proposal of insurance we may present to you will be based upon the information you provide to us via this online form/application and/or in other communications with us. Please contact our office at [insert phone number] to discuss specific coverage details and your insurance needs. All coverages are subject to the terms, conditions and exclusions of the actual policy issued. Not all policies or coverages are available in every state. Information provided on this site does not constitute professional advice; if you have legal, tax or financial planning questions, you should contact an appropriate professional. Any hypertext links to other sites are provided as a convenience only; we have no control over those sites and do not endorse or guarantee any information provided by those sites.

    Personal Lines Insurance

    Free Workers Comp Information Philadelphia PA #free #workers #comp #information #pa, #free


    How Do I Apply For Pennsylvania Workers’ Compensation If I Was Injured At Work?

    Once you sustain a work-related injury in Pennsylvania, whether from a traumatic accident or from repetitive work activities, you must give notice to your employer. You should try to give notice within 21 days of the injury, and the sooner the better. Once you give notice of your work injury, the employer and/or its workers’ compensation carrier has 21 days to accept, deny, or temporarily accept your claim by issuing one of three documents- a Notice of Compensation Payable, a Notice of Denial, or a Temporary Notice of Compensation Payable. If notice isn’t given with 120 days, the claim will be forever barred.

    What Benefits Will I Be Awarded If I Get Workers’ Compensation In Pennsylvania?

    If you win your claim or if the employer/insurer accepts your claim without a fight, you will receive two-thirds of your pre-injury average weekly wage, plus medical benefits for “reasonable, necessary, and related” medical treatment. There are other benefits available, called specific loss, for disfigurement, for the loss of use of a body part for “all practical intents and purposes”, or for the loss of a limb, fingers, or toes.

    Can I Sue My Employer For Negligence For Causing My Work Injury?

    No. Pennsylvania workers’ compensation is your only remedy against your employer for a work-related injury. However, if the injury was caused by a third party- ie, someone other than your employer, then you may have a viable personal injury suit against that third party if you can establish a defective or dangerous product or condition. Or, if you are injured in a car accident while working, you will have a Pennsylvania workers’ compensation claim against your employer for wage loss and medical benefits, and a negligence suit against the driver for personal injury.

    If I Live In Another State, But I Am Injured In Pennsylvania, Can I Get Workers’ Compensation In Pennsylvania?

    Yes. If you are injured while working in Pennsylvania then you are eligible for Pennsylvania workers’ compensation, even if you reside in another state. Similarly, if you live in Pennsylvania, but are injured in another state, you still may be eligible for Pennsylvania workers’ compensation benefits, if you were hired by a company in Pennsylvania.

    If I Am Receiving Pennsylvania Workers’ Compensation Benefits And My Employer Offers Me A Light Duty Or Modified Duty Job, Do I Have To Accept It?

    No. However, there may be legal consequences. If you do not try the job, the employer will likely file a petition to modify or suspend your wage loss benefits, asserting they have available work within your restrictions. If your doctor says you cannot perform the job, then the workers’ compensation judge will ultimately have to determine whether the job is something you can handle, after reviewing your testimony, the testimony from any employer witnesses, and any testimony from your treating doctor and/or an independent medical examiner. If you were offered a job, it is strongly recommended that you speak to a Pennsylvania workers’ compensation attorney.

    Can I Get Pain And Suffering For My Work Injury?

    Pennsylvania Workers – Compensation Guide – PA Injury Lawyer – Freeburn –


    Pennsylvania Workers Compensation Guide

    The information on this site is not, nor is it intended to be, legal advice. You should consult an attorney for advice regarding your individual situation. We invite you to get in touch with us and see if we can help you. Keep in mind, contacting us does not create an attorney-client relationship. Do not send any confidential information to us until an attorney-client relationship has been established. And remember, there are time deadlines to file a claim, so don’t wait! Call us right now!

    Copyright 2017 PA Injury Lawyer | All Rights Reserved | Disclaimer | Site Map

    Freeburn & Hamilton

    At the law firm of Freeburn & Hamilton, we focus on helping injured people get the financial compensation and medical treatment that they deserve. Our firm is capable of representing you in any type of personal injury, wrongful death, product liability and workers’ compensation claim.

    717-777-7777 2040 Linglestown Rd. Suite 300 Harrisburg PA 17110 View Map

    Philadelphia Workers – Compensation Lawyer #philadelphia #workers #compensation #lawyer


    Philadelphia Workers Compensation lawyer

    Eric S. Borjeson

    Eric S. Borjeson has practiced Workers Compensation law in Philadelphia and the surrounding Pennsylvania counties since obtaining his Juris Doctor degree fromVillanova University School of Law in 1990.

    Mr. Borjeson was born in Chicago, Ill. and grew up in Berwyn, Pa. He attended school in the Tredyffrin Easttown District. Upon graduation from high school, he became a political science major/history minor at Gettysburg College . graduating in 1986. In addition to scholastic activities, Mr. Borjeson played football, wrestled, threw the javelin and participated in graduate-level rugby.

    Area of practice

    Bar Admissions

    • Pennsylvania, 1990
    • New Jersey, 1990


    • Villanova University School of Law, Villanova, PA, 1990, Juris Doctor
    • Gettysburg College, Gettysburg, PA, 1986, Bachelor of Arts, Political Science

    E.S. Borjeson & Associates is located in Philadelphia, PA and serves clients in and around Philadelphia, Bala Cynwyd, Merion Station, Darby, Upper Darby, Sharon Hill, Wynnewood, Narberth, Clifton Heights, Folcroft, Lansdowne, Glenolden, Drexel Hill, Havertown, Cheltenham, Ardmore, Norwood, Holmes, Essington, Elkins Park, Prospect Park, Gladwyne, Chester County, Delaware County, Philadelphia County.

    E.S. Borjeson Associates

    1500 Walnut St.
    Suite 413
    Philadelphia. PA 19102

    Phone: 215-772-3020
    Fax: 215-772-1908

    Website built by PLM

    2016 by E.S. Borjeson Associates. All rights reserved. [Site Map ] [Directions ]

    Attorney Advertising Materials. Eric S. Borjeson is responsible for the content of this website. This website is designed for general information only. The information presented at this site should not be construed to be formal legal advice nor the formation of a lawyer/client relationship.

    Vocational Rehabilitation Continuing Education Training #wcc, #worker’s, #workmens, #insurance, #attorney, #legal, #law,

    Organizations and Rehabilitation Service Practitioners

    Maryland law (LE-9-671, LE 9-6A-18)
    mandates that practitioners must be certified or registered before providing vocational rehabilitation services to a Maryland injured worker. Practitioners providing vocational rehabilitation services for more than three (3) injured workers per year are required to be certified with the Workers’ Compensation Commission. Practitioners providing vocational rehabilitation services for three (3) or less injured workers per year are required to be registered with the Maryland Workers’ Compensation Commission.

    MCRSP/ Rehabilitation Services Practitioner Training/Workshops

    NOTICE: The Commission will not host any on-site workshops/informational meetings; however, the Commission offers its MCRSP Practitioner workshop on-line. This on-line course below may be taken to satisfy the yearly workshop or information meeting requirement specified by WCC rules and regulation in order to maintain status as a Workers’ Compensation rehabilitation provider for workers’ compensation cases in Maryland.

    MCRSP Vocational Rehabilitation Meeting Information for WCC Vocational Rehabilitation Providers.

    1. The Rehabilitation Providers’ Mandatory Training Program – see the MCRSP Rehabilitation Practitioner Training Program LINK above.

    To qualify for renewal of the Maryland Certified Rehabilitation Service Practitioner (MCRSP), practitioners are required to participate in a yearly informational meeting/training conducted by the Commission. These meetings are mandated under COMAR LE (3) (ii).

  • Continuing Education Credits Request Form and Information sheet:
    Six (6) credits of CEUs must be obtained through WCC mandatory training programs. An additional six (6) CEUs must be obtained by attending seminars or workshops by other organizations that are approved by the Commission. All CEU credits must be acquired within the three-year certification period. The form can be used for all programs whether by organizations or individuals submitting for approval of a program.

  • Home, Auto, Business, Car, Flood, General Liability Insurance in Ft #auto #insurance,


    Your Local Insurance Agency in Fort Myers FL

    Avalon Insurance Group, Inc. is a home grown independent insurance agency in Fort Myers, FL. Our purpose is to provide residents with the best personal insurance and business insurance that Fort Myers, Florida has to offer.

    As an independent insurance agency, we are privileged to work with, as opposed to compete with, the leading insurance companies around Florida to build plans that cover your needs at an affordable price. Over time, we have built helpful relationships with these companies that help us get great deals for our customers. Avalon prides itself in finding you quality insurance at an affordable price. We work to help you put personal and business financial concerns to rest.

    Let us help you cut your insurance cost in Florida

    Just give us a quick call today at 239-275-3888 or Submit one of our quick online quote forms – with the help of our dedicated business partners; we conveniently offer an entire solution for all your insurance and business needs. Drop by our office to see how we can help you complete your coverage today. We are located at 7370 College Pkwy, Ste. 312 in Fort Myers, FL 33907

    Palliative and Hospice Social Workers #dog #friendly #hotels

    #hospice social worker


    Palliative and Hospice Social Workers and How to Become One

    Hospice and palliative care social workers assist those who are nearing the end of life and those who are living with chronic illnesses. They also offer support to their families. This support can take many forms. It may mean making sure that patients have access to the resources that will make them as comfortable as possible physically. It may mean providing for their emotional and even spiritual needs. Social workers may act as navigators and care coordinators. They help patients and families understand their options, identify services they need, and fill out the necessary paperwork. They also help them fill out other important forms like advanced directives.

    Palliative and hospice social workers may lead support groups and provide in-service training to other professionals who are involved in the treatment process. They may also teach patients nonpharmaceutical techniques for managing pain. Palliative care and hospice care are related, but not quite the same. Some people transition from palliative care to hospice when they are in the final stages of an illness, but this is not the only pattern. Not all who receive palliative care are near death.

    Education Requirements for Palliative or Hospice Social Care Workers

    Social workers may enter the palliative and hospice field with degrees at either the bachelor’s or master’s level. Their education and credentialing allow them to function across settings and to serve a wide variety of people, not just those with terminal illness or severe chronic illness. However, they can specialize by choosing palliative and hospice settings for practicum work and post-degree practice. They may opt to further their knowledge of the field through continuing education and/or additional academic coursework.

    The University of Southern California School of Social Work offers one of the only CSWE accredited online Master’s of Social Work degrees in the country. Click Here to contact the University of Southern California School of Social Work and request additional information.

    The Simmons College School of Social Work. based in Boston, MA, offers another option to earn a Council on Social Work Education (CSWE) accredited Online Master of Social Work. Click Here to contact the Simmons College School of Social Work and request additional information.

    Some specialty programs are available only to those who have completed post-master practice. However, there are resources for all. The Social Work Hospice and Palliative Care Network provides a listserv for social workers in these fields. The SWHPCN site also links to courses on other sites that are applicable to social workers in hospice or palliative care; they are offered in a variety of subjects from coordinating end of life care to helping schoolchildren cope with grief and loss. A practitioner can also find practice care standards from various organizations and even a list of textbooks that have been written by social workers.

    The National Hospice & Palliative Care Organization also offers continuing education and resources. There is, of course, overlap between social work with the critical ill and palliative care. Some palliative and hospice social workers will find a resource in the Association for Oncology Social Workers.

    Licensing and Certification

    Master’s level social workers are licensed. In many states, baccalaureate social workers are licensed as well. Palliative and hospice social workers can pursue additional voluntary certification. The NASW Certified Hospice and Palliative Social Worker (CHP-SW) credential is for licensed bachelor level social workers who have 3 years’ experience in palliative or hospice and have done relevant continuing education. There is also an advanced hospice and palliative credential for those at the master’s level. Social workers at either level must adhere to the NASW Standards for End of Life Care.

    Palliative Social Work Career Outlook

    Palliative social work is a field where the rewards and costs aren’t easily measurable in dollars — or even in all the typical measures of client satisfaction. NASW lists, in an occupational profile, redefining client success among the challenges of hospice work.

    A person who is up for the challenge can make a solid living, and higher levels of education do tend to increase salaries. The NASW Workforce Center reports that MSWs employed in hospice and palliative have a median salary of $49,500 while those with BSWs average $39,700. Those who define their practice area as health tend to have salaries slightly above those who define it as aging.

    Social Workers #hospice #inpatient #facility

    #hospice social work


    Social Workers

    Hope Hospice social workers are your advocates. Because there are many things that impact a patient’s life, our social workers get to know patients from many aspects and convey information back to the rest of the care team. Their goal is not to change patients, but to help them and their families through this experience and to help them be comfortable.

    When patients are facing a life-limiting illness Hope Hospice social workers offer many interventions for families including:

    Emotional counseling
    • Counsel, support and advise about terminal conditions
    • Help the patient and family cope with serious illness or impending death
    • Facilitate communication within the family
    • Advise and assist with funeral arrangements

    Financial aid information
    • Help with MediCal, Medicare, Social Security, IHSS and Disability applications
    • Discuss alternatives for the provision of patient care

    Information about legal instruments and services
    • Power of attorney for health care, living wills
    • General power of attorney
    • Legal aid
    • Advance planning
    • Advance Directives
    • POLST

    Community resource referrals and advocacy
    • Refer to appropriate agencies for in-home help, financial aid and miscellaneous needs
    • Referral to local attorneys
    • Advise about community agencies and their services and qualifications
    • Serve as patient advocate should problems arise

    Non-invasive pain and symptom control
    • Relaxation therapy, guided imagery and visualization for selected patients

    Assessing patient needs and problems
    • Advise on assisted living or skilled nursing facility placement
    • Adult protective services, mental health, suicide and other issues
    • Provide professional advice about the patients’ psychological needs and problems to the nursing staff, family or patients

    Helpful Information
    After death checklist
    List of mortuaries
    Caregiving agency resource list

    Hope Hospice Care Team

    Let Hope Hospice Help

    Phone: (925) 829-8770
    1 (510) 439-4917
    1 (800) HOSPICE


    The caring team of professionals at Hope Hospice provides a comprehensive comfort care program designed to achieve the best quality of life for everyone involved – patients in the last stages of their illness, their families, and their caregivers. Our special kind of healthcare offers a circle of support that focuses on the physical, the emotional, and the spiritual needs of patient, enabling them to make the most of each day.

    We serve hospice care patients and families in Alamo, Blackhawk, Castro Valley, Concord, Danville, Diablo, Dublin, Fremont, Hayward, Lafayette, Livermore, Martinez, Moraga, Newark, Orinda, Pleasant Hill, Pleasanton, San Leandro, San Lorenzo, San Ramon, Sunol, Union City, Walnut Creek and the surrounding communities in the East Bay of San Francisco. Hospice care is covered by Medicare, Medi-Cal and most insurance plans.

    Hope Hospice is a 501(c)(3) non-profit organization based in the San Francisco Bay Area and funded by its local community. IRS Tax ID# 94-2576059. Donations are tax deductible to the extend allowed by the law. Call us today at (925) 829-8770, (510) 439-4918 or 1 (800) HOSPICE.

    Hope Hospice

    6377 Clark Avenue
    Suite 100
    Dublin, CA 94568-3024
    Phone: (925) 829-8770
    1 (510) 439-4917
    1 (800) HOSPICE


    Quick Links

    Hiring Private Duty Home Care Workers: Why Work through an Agency? #hotel

    #homecare agencies


    One of the greatest long-term needs of older adults and those with chronic illnesses is for in-home, custodial care services. These workers are often referred to as home health aides, certified nursing assistants and custodial care workers. These in-home workers make it possible for people with functional limitations to remain at home in a comfortable, familiar environment. Home health aides (as we will refer to this class of workers) provide a wide range of assistance with activities of daily living (ADLs), such as bathing, dressing, grooming, assisting with ambulation or transferring, toileting, feeding and providing medication reminders. In addition, home health aides help with what professionals call, instrumental activities of daily living (IADLs), such as shopping, meal preparation, making medical appointments, transportation, laundry and companionship.

    While it is true that most people would prefer to remain in their own homes, there are circumstances in which care in a residential or nursing facility is more appropriate and more cost-effective. For example, the individual who needs round the clock care because of treatments or behavioral issues will find a nursing facility or residential setting likely to be more affordable. The biggest proportion of people who utilize home health aide services are those who need several hours per day of assistance, as opposed to those who need full-time care.

    Due to the cost and the increasing shortage of home health aides, many families seeking to hire in-home staff turn to private individuals rather than working through an agency. While at first glance this seems reasonable, it can also cause numerous problems and create unexpected liabilities for the family, who becomes the employer.

    Tax Issues
    As a private employer, the individual or family is required to pay Social Security, unemployment and payroll taxes. Many home health aides will represent themselves as independent contractors, ostensibly relieving the hiring individual of these tax obligations. However, it is the responsibility of the hiring individual to be sure that the aide truly is an independent contractor and is therefore paying their own taxes. In many instances, the aide will not meet the legal criteria as an independent contractor. If the aide has not met his or her tax obligations, this responsibility falls to the employer. This can be a serious obligation because it may involve interest on back taxes, civil fines and the possibility of criminal penalties. Potential private employers should seek the advice of a labor lawyer to assure appropriate hiring practices with respect to federal tax laws.

    Case Example: Mr. L hired a home health aide for his mother on the basis of a recommendation from a neighbor who also employed this individual. Mrs. L needed help because of a minor stroke that left her unsteady on her feet. Initially, Mrs. L only needed four hours of help per day to assure that she had a bath, that two meals were prepared and that the weekly shopping was completed. Occasionally, the aide also accompanied Mrs. L to some of her many medical appointments.