Questionable Moves by Long-term Disability Insurance Providers

Insurance companies are not charities. They are businesses. As such, they will do anything they can to put in as much money as possible and put out as little as possible. So, when you are claiming for a long-term insurance coverage, you should be wary of certain insurance company behaviors.
Some moves look like they will benefit you, but they will actually cause you more harm. There are moves where you don’t get what you rightfully deserve. This can be an ethical and legal dilemma, and it all boils down to money.

Making outrageous demands

If you are filing a long-term disability insurance claim, arguably the most important thing to have is medical evidence that you are truly disabled. This may include regular visits to a specific physician, medical records from this specific physician, and official opinions from, again, this specific physician.
But there are instances where insurance companies will make more demands, often unnecessary and outrageous, so you will be discouraged in pursuing your claim.

Delaying the claiming and granting process

Insurance companies really want to discourage you in pursuing your claim. Aside from making outrageous demands, they may also delay the entire process to achieve their goal. It may be understandable if the process is taking much time, but if there are suspiciously frequent delays, such as in terms of getting the proper documents and studying them, you should be suspicious.

Denying valid claims

Even legitimate long-term disability insurance claims can get denied. There are many reasons for this, like when the insurance company has overlooked some aspects of your claim, such as the severity of your medical condition, or when you have not provided enough medical evidence to make your claim stronger.
But there are times when even the claims that are properly written, timely submitted, and sufficiently backed by medical evidence can be denied, and that can be suspicious. But at least, according to the website of Fields Disability, those who have denied claims can make appeals.

Damages from Dog Bites

Dogs are the most popular pets. This also means that the animal attacks people are most vulnerable to are dog bites. Dog owners have the responsibility to make sure that their pets are properly restrained and are not easily accessible to prevent accidents such as dog biting.

According to the website of the Milwaukee dog bite lawyers of Habush Habush & Rottier S.C. ®, dog owners may be liable for any damages resulting from the injuries that the dog causes to the victim. The most common damages inflicted by dog bites are listed below.

Dog bite injuries
The most obvious damage that can be sustained from dog bite accidents is injury. If the bite is strong and deep enough, it may cause nerve damage, giving you limited mobility and pain even after the wound has healed. Deep wounds can also be prone to infections, because dogs tend to have dirty teeth from eating and licking unclean materials.

Hospital costs and other treatment expenses
Whether the injury sustained is serious or not, you need to consult a medical professional because of the risks of dirt, infections, and other complications such as rabies. Medical costs can reach up to thousands of dollars, and the typical family may not be able to afford it.

Loss of earning capacity
Getting injured because of a dog really has a financial toll. You have medical costs to cover, and at the same time, you may lose time at work because the injury has physically limited you. You can even lose your job if you miss too much time or if you fail to deliver your services adequately because of your injury. This can be problematic if the victim is the primary earner in the family.

Pain and suffering
Injuries are not just painful. They can also cause emotional and psychological problems, such as post-traumatic stress disorder. You may experience anxiety, depression, flashbacks and nightmares about the traumatic event, and extreme fear of dogs. This can greatly affect the quality of your life and how you enjoy it.

Permanent scarring or disfigurement
Dog bites, particularly those that are big and deep, can leave a permanent scar on you or disfigure the affected body part. The situation is even worse if the injury is in the face, as it can affect even your self-confidence.

Premises Liability – The Extent of a Property Owner’s Responsibility

One very common accident which can cause injure to any one is slip and fall. This accident can occur anywhere, in a public or a private place, and can cause injuries, which can be as simple as a minor bruise, or as serious as a fractured wrist or elbow or spinal column injury.

The National Safety Council (NSC) says that more than eight million slip and fall accidents occur in the United States every year. The most common causes of these accidents include: wet, oily, icy or slippery floors or surfaces: uneven, loose or broken floors, steps, sidewalks or stairs; a defective staircase; unsecured rugs or carpets; or hidden or tangled extension wires.

While one would ordinarily put the blame on those who slip and fall and say that the accident and their injuries are results of their not being careful, for personal injury lawyers or slip and fall accident lawyers, the blame could rather be imputed on the owner of the property.

Slip and fall accidents are filed as premises liability cases, with premises liability referring to a landowner’s accountability for injuries suffered by persons on his/her property due to a defective or unsafe condition. Injury resulting to slipping, tripping or falling, is not the only scope of a premises liability lawsuit, though; it also injuries caused by falling objects, electrocution, open excavations, broken chairs, and so forth.

The extent of a property owner’s responsibility and liability to injuries sustained depends of classification or those who enter his/her premise. These classification refers to the three classes or categories of visitors: invitee, licensee and trespasser.

An invitee may refer to a friend, a relative or a neighbor, who has the landowner’s expressed or implied permission to enter his/her property. A licensee refers to a person who has the landowner’s expressed or implied permission to enter the property. Examples of a licensee include a party guest, a family friend, or a person who enters a store to ask about something or to retrieve something. A trespasser is a person who has no authority, whatsoever, to be on someone else’s property. Thus, being on the property illegally, the owner owes him/her no responsibility if ever he/she gets injured (unless he/she is a child).

According to the Karlin, Fleisher & Falkenberg, LLC, law firm, in some states, like in Chicago, for instance, property owners have a legal obligation to reasonably maintain the safety of their premises. A property owner who fails to do so and if the slip and fall accident victim will be able to prove that the property owner knew, or should have known, about the dangerous condition that caused his/her accident, then it would be wise to pursue compensation through a lawsuit.

Mortgage Modification

Mortgages last a long time and it is very common that unexpected life events happen that may change the ability for you to make your mortgage payments. That’s plenty fair, and many lenders understand that as well. Mortgage modification exists so that the uncertainty of life can be slightly accounted for. In order to enable an individual to continue to make payments, creditors can be willing to renegotiate your contract so that it is more accommodating for the debtor to complete. After all Some form of payment is better than none.

The 2008 Recession left in its wake The Home Affordable Modification Program (HAMP), and with it applying to modify home loans became much easier. Created to help struggling home owners in the U.S., it allowed for loans to be modified by offering a reduced mortgages by fixing interest rates, extending payment terms, and reducing interest rates completely. However, mortgage modification is not to be confused with refinancing a home. With refinancing, a home owner seeks to replace the loan completely and is a permanent change of contract, often times through a new creditor. Mortgage modification is handled under the same lenders and is a temporary fixture before normal mortgage payments can be resumed. Mortgage modifications are typically sought if refinancing cannot be achieved but it is still a viable alternative to those with bad credit.

Mortgage modification is a great way to find temporary asylum from high mortgage rates, and with it homeowners can be saved from the risk of foreclosure. According to Bradford Law Offices, PLLC, mortgage modification can even reduce the principal amount owed or waive some of the accrued interest. There are a lot of financial tactics out there that exist to assist people who struggle financially, such as HAMP, and it would be simply foolish not to utilize them whenever the need arises.

Auto, Truck, & Motorcycle Accidents

Thirty-three-year-old Joseph Kirsch, who was on his motorcycle when the accident that claimed his life happened, was trying to swerve to avoid an imminent collision with a pickup truck backing out of a driveway in the 2700 block of Steck Avenue in North Austin, Texas at around 7:30 p.m. on Dec. 30, 2015.

Kirsch, however, was not successful in his endeavor. Even though he was wearing his helmet, it was not enough to save him when he put his motorcycle on the side to try to avoid colliding with the pickup truck, which contained a family getting ready to go out for a night of dinner outside in town.

The impact made him fall to the pavement. Kirsch’s death made it the 100th traffic fatality in Austin last year.
This accident is an example of how even though helmets are the most important pieces of motorcycle safety equipment because wearing them can actually lessen the chances of a person acquiring severe head injuries or trauma during collision, with the federal government stating that using a helmet can lessen the chances of death during an accident by around 37%, it is best if motorcycle accidents can be prevented in the first place.

According to the website of the attorneys of the Abel Law Firm, however, sometimes accidents cannot be helped, because from the word itself, an accident is an unexpected occurrence. The least that motorists can do is to be prepared in such an eventuality. They can do so by installing a secure antilock braking system, which prevents the wheels from locking up and thereby lessening the chances of the wheels skidding and the motorcycle falling. Federal regulators say ABS systems prevent crashes by as much as 31%.

It is also important to take note of the type of motorcycle one is riding. Sport motorcycles, which are less powerful and less lightweight than supersports motorcycles, are more prone to crashing. The safest among the three kinds of motorcycles are the standards or cruisers, which are four times as more likely to leave a motorcycle accident victim alive than the two types.