The Fiscal Fight Against Disability Debt

Whether you were born with a disability or have recently been disabled following a recent illness or injury, good money management is of paramount importance. The cost of disabled living can be demanding even for those lucky enough to still be able to carry on with their jobs and careers after their disabilities manifest. If left unchecked, this can lead to a disability debt spiral which can be ruinous to one’s physical and psychological wellbeing. Financial wellness is one of many areas in which the disabled find that they have to work a little harder than their able bodies counterparts, especially when disability insurance claims are rejected or insurers place caps on how much you can earn while claiming. Whether you work on a freelance basis or for an employer, here are some ways in which you can improve your financial health and ease the psychological, emotional and logistical stranglehold that disability debt can have on your life and work…

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Talk to a lawyer if your disability insurance claim is rejected

It can be an extremely dispiriting experience when one’s disability insurance claim is denied. It can even lead the claimant to question whether they are suffering from a bona fide disability. In ,many cases, however, just because a claim has been rejected doesn’t mean that a claimant does not have legitimate grounds for a claim. In most cases it helps to have an attorney check over your claim and / or launch an appeal on your behalf. Check here to see how a dedicated long term disability lawyer can help you. When you know that you can claim that to which you are entitled this can ease the financial pressure on you and contribute enormously to your psychological well-being.

Find ways to save every day

While those in the disabled community face specific expenses and financial difficulties which their able-bodied counterparts do not, sometimes using the good old-fashioned saving techniques available to all of us can make a big difference. Clip coupons, look for voucher codes, take advantage of introductory offers, do free trials and find ways to save on the little things every day. All of these little savings add up to make a big difference by the end of the year!

Remember your tax deductions

Remember that when it comes to your taxes, disabled people may qualify for tax deductions, credits and income exclusions which may ease the burden placed upon you when saving for your taxes. It’s worth hiring an accountant to ensure that you claim for every expense incurred in your professional activities. Indeed, there may be many things which they can help you with that you were not aware that you could claim for. At the very least it behoves you to take a look at the IRS website and see what you may be entitled to.

Managing your debts

Finally, managing your debts is an important aspect of financial wellbeing. The simple truth is that for all but the most privileged of us, living debt-free in the 21st century is an unattainable pipe-dream. Debts can quickly spiral out of control when they all have different interest rates, all come out of your bank on different days of the month and can wreak havoc on your credit rating.

Consolidating your debts makes them much easier to manage as it replaces them with a single monthly payment with a set interest rates. Because a consolidation loan buys out all of your previous debts, it can also seriously boost your credit score!

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The Real Reasons You Need Car Insurance

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It may be one of the biggest expenses that all drivers have to contend with, but there is unfortunately no way of getting out of car insurance. As a driver and car owner, you are obliged to buy an insurance policy to cover your car, even if you hardly use it. It may be an annoying part of driving, but this necessity to have insurance is in place for a reason. Read on to find out why exactly you need to have plenty of car insurance before you hit the road.

To Be Compliant With The Law

First of all, the main reason you need to take out some car insurance is so that you are compliant with the law. There will be an absolute minimum of coverage that is the legal requirement in your region. You will need at least this minimum to be compliant, but it always pays to get yourself some more if you can afford it. After all, the minimum might not be enough to cover certain accidents or maintenance. However, at least you will be covered with the minimum and so you don’t run the risk of needing to see a lawyer, such as https://blumenshinelawgroup.com, who would have to help you get an uninsured claim. So, be sure to get covered with some insurance and then you don’t have to run the risk of getting on the wrong side of the law!

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So You Can Get A Car Loan Or Lease

If you think that you will need to loan a car, there’s a good chance that taking out insurance could be part of the rental agreement. Without taking out an insurance policy, you might not be able to loan the car in the first place. This is also the case with loans for autos as well. One of the minimum requirements from most lenders is that you put some car insurance in place. Most lenders will require you to have a comprehensive insurance policy in place as well as some form of collision coverage. That way, they know that you won’t struggle with any maintenance or repair costs as that could affect how easily you could make your rental or loan payments.

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To Protect Your Own Finances

It’s important to understand that insurance doesn’t just protect the vehicle in question. It can also help you better protect your finances as well. If you were to cause an accident and the other driver involved were to make a claim against you, then you would have to cough up in full and pay for both of your legal fees as well as any maintenance for the other driver’s car. Thankfully, though, your insurance should cover this cost. If it doesn’t cover it in full, it should cover a substantial portion. It’s necessary to remember that your finances will only be protected if your car insurance also contains some liability insurance. If your current car insurance policy doesn’t, then you might want to look for some extra liability insurance to ensure your finances won’t be damaged in any way.

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So That Your Vehicle Is Always Covered

Insurance will cover your vehicle in a wide range of scenarios. When we think of car insurance, we almost immediately think of it covering accidents and crashes. But that’s not all! Once you have insurance in place, it should cover your vehicle in the event of most other kinds of damage. If your car is ever in a fire, then your insurer should pay out for the necessary repairs. Similarly, if your vehicle is ever stolen, your insurance company should pay out to help you replace it. This kind of cover isn’t always included in the most basic of car insurance policies, so you might have to pay extra to ensure your car is covered for theft. The guide at https://moneysupermarket.com can give you an idea of which policies cover what.

To Protect Your Passengers

As I’ve already mentioned, having the right kind of car insurance will help you afford any medical bills that you incur after a car accident. But that’s not all. If there was someone traveling with you in the car at the time of the accident, then it should pay out to cover all of their related medical costs as well. This will even be the case if the accident was caused by you. After all, the passenger wasn’t behind the steering wheel, so won’t be at fault for the crash at all. No matter what the bill is for, whether it’s for a hospital stay, surgery, or a prescription fee, your insurance should always pay up for your passenger’s expenses.

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To Cover Yourself

If you are an uninsured motorist, then you are playing with a big risk. If you are found out, then you could be found to be breaking the law, as you won’t be compliant with your region’s driving laws. As a result, you could end up in court and facing a hefty fine. In some cases, you might even end up with a driving ban. Not only that, though, but you risk losing a lot of money if you were to end up in an accident, even if it wasn’t your fault. That’s because you will have to pay for all of your vehicle’s repairs using your own money and won’t receive an insurance payout to help you with the financial costs. The expense will be a lot higher if you did cause the accident, as you would need to pay for the other driver’s repairs and possibly their legal fees too.

As you can see then, there are many different reasons why you need to take out sufficient insurance cover for your car. This will help you be a better driver when out on the roads as it keeps you and other road users exceptionally safe and financially secure. So, if you don’t already have some insurance for your car, you might want to think about getting some right now!

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Profiting From Wrongful Termination

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In a world where litigation is rife, perhaps we don’t need further encouragement to sue, yet if you have been wronged by an employer then it’s natural and perfectly reasonable for you to be compensated.

Now, as far as the law goes, the statement of this title isn’t strictly true, as the law is not designed to help you profit from litigation – it’s designed to put you back in the place you would be had you not been subjected to this unexpected wrong.

For instance, if you had a one year consultancy contract worth $5,000 per month, and the employer terminated the contract a few months down the line – without good reason – you would be entitled to something known as ‘expectation damages’, meaning you would be put in the financial position you would have been in had the company in breach of the employment contract carried out its side of the bargain.

Therefore, hypothetically, if your contract was wrongfully terminated, you could ‘profit’ from the deal as if you had fulfilled the contract.  Now, this is NOT legal advice – merely an overview of a principle in law known to highlight the fact you have rights, and when these rights are breached, you are in the empowered position to litigate to put right the wrong that has taken place.

That said, it’s highly advisable you work with a decent wrongful termination attorney, rather than take on the case yourself, as litigation can be a confusing and complex process that many a corporate lawyer will use to his or her favour in order to put a stop to your lawsuit before it’s even begun.

Therefore, half the battle is actually getting the case heard, as most good defence attorney’s will punch holes in a claimant’s complaint to the point they will try to persuade the judge to throw the case out.

In this vein, as once spoken by Mr Miyagi in the classic film, The Karate Kid, “if must fight – then win”.  

Here are some tips on winning your case:

 

  1. GET REPRESENTATION

As mentioned above, having legal representation is important in winning your case.  It’s not essential, as there is a concept known as access to justice which is intended to make it easier for litigants in person to present their case to the court if they are unable to afford an attorney – but, for an easier life, and potentially more successful outcome, if you can afford to get legal counsel then you should.

 

  1.  BE HONEST

In addition to the issue that you might commit perjury if you were to lie in court, if you do lie and are found out, it undermines your entire case and you could be liable to pay your employer’s costs in terms of defending the case; which could be substantial.

 

  1.  NEGOTIATE OUT OF COURT

It’s important to remember, that many cases never make it to the courtroom, are settled in court, and as we know from watching Suits, there’s often much negotiation to be had prior to the court date.

Therefore, make your case as strong as you can from the outset – as this will incentivize your employer to offer a settlement prior to it going to court.

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A Step By Step Guide For Dealing With A Car Accident

Even the most sensible drivers are at risk of getting into an accident. You can do everything in your power to make sure that you don’t crash but you’ve got no control over the other drivers. If they’re being reckless on the road, you might not be able to prevent an accident every time. The good news is, most accidents are only small collisions which aren’t that dangerous, as long as you know how to deal with the situation properly. If you don’t take the right steps in the immediate aftermath of a car crash, you can make the whole situation a lot worse than it needs to be. Here’s exactly what you need to do in the event of a car accident.

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Stop

This sounds pretty obvious but it’s worth mentioning. It’s absolutely essential that you stop the car if you’re in an accident, even if it’s just a tiny bump. It’s against the law to hit somebody or something and just drive away. You might think that you’re not going to get caught but you probably will, and you’ll end up in a lot more trouble than you would have done had you just stopped at the scene of the accident in the first place.

Once you have stopped, it’s important that you make yourself known to other drivers to avoid any further accidents. Put your hazard lights on and if you’ve got any reflective cones in the car, put them around the scene of the accident.

Call The Police

Now that you’ve protected the scene of the crash, you need to call the police. People don’t often think you need to call the police if it’s just a minor crash but you should every time. You’ll need to file a claim with your insurance company at some point and that’s a lot easier if there is a police record of the accident. They will also be able to decide whether either driver was at fault which is important when you’re making a claim. The police will get all of the relevant insurance details from each driver as well, which you’ll need later when you make a claim. Don’t touch anything before the police arrive, just let them do their job and stay out of the way.

Take Some Pictures

Insurance companies don’t part with their money easily, you can’t just ring them up and tell them how much the repairs are going to cost and expect them to start handing out money. They’ll need proof of the damage so you need to start taking some pictures on your phone of both cars right away. There’s always the chance that the other person may lie and exaggerate the damage to their car. That’s why it’s so important that you take plenty of pictures and document the crash properly.

See A Doctor

Even if you didn’t crash at high speed and you think that you’re fine, there’s always the chance that you could have whiplash or something like that. Just to be safe, you should go to see a car accident doctor and get yourself checked over. Any injuries that you have will also affect your insurance claim so it’s important that they’re documented by a professional. This is especially important if the crash is more serious and you end up having to take time off work, you might be able to claim money from the insurance for that loss of earnings. If you’re going to do that, you’ll need doctors records from immediately after the accident.

File An Insurance Claim

Now that you’ve checked everything is ok, you need to report the crash to your insurance company and make a claim. Most insurance companies require you to report the crash right away so don’t wait around. They take a while to sort the claim out too so the earlier you do it, the better. Make sure that you’re providing them with as much information as possible to make the process smoother. That’s where all of the photos that you took earlier come in. By sending evidence of the damage, you can put to rest any arguments with the insurance company about the cost of repairs on the car.

Get Back On The Road

This is a step that people don’t often consider but it’s an important one. Your car is a lifeline and without it, you’ll struggle to function on a daily basis. But getting back onto the road after a crash can be daunting. It’s only natural that you’re going to worry about another accident but there are things you can do to help. Fitting the car out with safety features like automatic braking or going to a driving course can all help you rebuild your confidence behind the wheel.

If you’re ever in a car accident, you need to follow these steps to the letter. If you don’t, you’ll make the whole thing way more stressful than it needs to be.

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Is Your Employer Really Treating You Right?

We all know that it is important to make sure you are being treated properly by those who employ you – but it is much more difficult to know whether this is actually the case or not. Finding out whether your employer is treating you completely right is a case of knowing what you deserve, legally and morally, and having insight into how the company operates as well. This is something that, by definition, the vast majority of employees in any given company do not have. Therefore, it can be noticeably hard for you to know whether you are getting everything you deserve from your bosses. It helps if you are aware of some of the major things that employers tend to be guilty of when it comes to their employees,so that is what we’re going to have a look at today.

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Correct Wages

Your pay is hugely important, for a number of reasons. Not only is it one of the main reasons you probably have the job in the first place – it is also a clear indicator of what your employer might really feel about you as well. By ensuring that you are being paid correctly, you can be sure that you are genuinely appreciated, and yet correct pay is surprisingly hard to come across, and often seems to only be getting less and less common. Wage theft in particular seems to be raising, and this is something you don’t want to put up with. If you feel that your employer is engaging in some subtle wage theft, then you might want to think about contacting the right law group for wage theft compensation, as this is a serious issue with will always need investigating. As long as you can be sure you are being paid correctly, you will likely be much happier with the job.

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Safety & Security

Something else you deserve is to be able to feel completely safe and secure within the workplace, and this is something which is particularly difficult to get right as well. Safety and security can be hard to come by in many jobs, but it is a legal and moral responsibility of the employer which you should make sure you are trying to champion at every turn. As long as you are, you should be able to get much more out of the job, and you will feel that you can feel a lot happier as you are actually carrying out the work as well.

Respect

Something else which is hugely important is to make sure that you feel you are respected in the workplace, and this can be tricky because a lack of respect can be a subtle thing which goes unnoticed for a long time. You deserve to feel respected, however, so if you don’t you should make sure to look into this so that you can feel better about your work. It is both a basic politeness and a hugely important concern.

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What to do When You Become the Victim of Medical Malpractice

Being betrayed and let down by your doctor is genuinely one of the most shocking things you can experience. When you go to a doctor, you’re right to assume the best care and the best expert diagnosis and treatment. And that’s exactly what the vast majority of doctors will provide you with, but there’s always going to be a small change of things going wrong when you use a doctor.

When you are let down, this is known as medical malpractice. It means that the doctor or medical professional has failed to care for you to the standard expected of a doctor. Rather than just accepting this and moving on, there is a process of steps you should go through in order to get justice if you feel that’s the right thing to do. Read on to learn more about what you should do when you become the victim of medical malpractice

Get the Second Opinion of Another Doctor

Before you go any further, you need to think about your health and see exactly what damage was done by the negligence or malpractice of the previous doctor. This will involve heading it another doctor and seeing what they have to say about it all. They will help to get your healthy back on track and hopefully right the wrongs that have been done. On top of that, their testimony regarding what’s been done to you should also help you out later in the process.

Weigh Up Your Options

Next, you should think about what the best way forward is. In most hospitals and medical facilities, there will be a process that you can follow to help you to lodge a complaint that can then be reviewed and assessed by the hierarchy of the company. You should see if that’s something you can pursue; in most cases, this is the best way forward, so get that started. On top of that, you might want to pursue legal routes to get the compensation you feel you deserve

Find a Lawyer

You’ll definitely want to find a lawyer if you choose to take a legal route with all this. Sure, you could explore the option of representing yourself in court, but this rarely ends in anything other than tears for most people. You can visit website if you want a recommendation. See what they have to say and take things from there. Just be sure to shower a lawyer who knows what you need and can take appropriate steps to take your medical malpractice case forward.

Record and Compile Evidence

As well as the testimony from your new doctor, you might want to compile other forms of evidence to show people exactly what you’ve been through as a result of your doctor’s malpractice. This might include your general medical records that will track your health and your problems since the malpractice. And you might even want to write down your experience and take photos if that’s relevant to what you’ve been experiencing. The more evidence, the better it’ll be for you later.

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Listen to the Guidance of Your Lawyer

Once you have a lawyer in place and they’re working on your case for you, you should respect their expertise and listen to what they’re saying. There’s little point hiring a lawyer if you’re going to take the lead and make decision independent of their expert legal guidance. Remember, they’re working for you and they’re trying to secure the best possible outcomes for you in the long-term. If you follow their lead, you’ll achieve the best possible outcomes.

Prepare for the Case

By preparing the case properly alongside your lawyer, everything will be properly organized and ready to go when your day in court finally does come around. You should try to remember that and don’t rush through things. It’s only natural for you to want justice and compensation sooner rather than later given what’s happened to you, but you can’t simply skip past due process or rush things because that never ends well. Let your lawyer set the pace and be sure to get things right.

Alongside Your Lawyer, Present Your Evidence and Make Your Case

When the time finally does come for you to present your case and your evidence to the court, you should do it in a calm and objective way. Sure, this probably a very emotional and personal thing for you, but letting your emotions run away from you is not the way to achieve the outcomes you want to achieve through this process. Let your lawyer support and guide you through all this. That way, you’ll achieve the outcomes you want to.

Succeed in Court

In the end, it all comes down to the facts of what happened. If you and lawyer know for a fact that you’ve been the victim of medical malpractice, and you present your case in the proper and professional way, you can expect to come out the other side with the right outcome. There’s no doubt about that. So it will only be a matter of time before you find the success you’re aiming for if you get all of the this stuff right.

Find a New Doctor Who You Know You Can Trust

Finally, when all this is done and you have compensation for what you went through, you should seek to find a permanent doctor that you can use and trust going forward. Given everything you’ve been through, it might be a little hard to trust the judgment of any doctor. But try to rebuild bridges with someone who’s professional and who has a good track record. There’s no alternative to that.

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No one wants to find themselves dealing with a medical malpractice case because we all trust our doctors. That makes it even more difficult when they let you down or make a mistake, but it’s important to take the right action to put things right and help you to get back on track sooner rather than later.

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What Does Drinking Do To Your Driving?

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Drunk driving laws are some of the most commonly broken rules on modern society. With so many people on the road, it can often feel as if these things aren’t applicable to you, especially as the number of cars grows. You trust yourself to drive safely, and feel confident in your abilities on the road, even when you’ve had a couple to drink. Of course, though, being confident isn’t what you need to be secure while driving. To help you out with this part of life, this post will be exploring some of the different ways which alcohol will change the way you drive, along with some of the issues which come with it.

Confidence: Being overly confident when at the wheel is a quick way to spell trouble for most people. It will make you do things which you wouldn’t normally do, ultimately putting yourself and other people at risk. Of course, while this sort of bravado will be great on the night out, it won’t be good behind the wheel, and is a key contributor when it comes to road accidents all over the world. Having skills is very different to believing you have them, with a lot of people misjudging what they will be able to do when a moment of panic strikes.

Judgement: Hazard awareness and judgement are very important to driving, with those controlling cars having to stay very attentive. Alcohol tends to lower reactions times, make it harder to notice threats, and will often cause people to make mistakes involving judgement, making it very bad for this side of the activity. This is why so many people are willing to fight when they are drunk. The normal warning signs stop firing, and this makes it hard for people to avoid situations which they would never encounter on a normal day.

Reflexes: Reflexes can be a very powerful tool, often taking over and controlling you when you don’t have the chance to react consciously. This makes people break, swerve, and perform other emergency actions to avoid accidents and stay safe. Of course, this also applies of the road, and people are often very good at keeping themselves safe. By hampering your reaction times, drinking can ruin this inbuilt safety feature. Not a lot of people look at drinking in this way, making it hard for governments to crack down on it.

Distractions: You mind is very good at delegating tasks and making sure that the most important are handled first. When you are doing something which requires focus, like driving, this stops you from being distracted by little things outside of your car. When you aren’t sober, though, even the smallest things will be easy to be fixated on, even if it means you have an accident as a result. While people are often able to recover from being distracted while they are sober, the same can’t be said when they have had a drink, and you have to be careful to avoid this.

Legal Standing: When you have an accident on a modern road, there are loads of ways for police to test whether or not you’ve had too much to drink. Even if the accident wasn’t your fault, being even slightly over the legal limit could make it impossible to get compensation for the loss of your property. You can find more information about this sort of issue around the web. If you’re worried about something like this, though, it could be worth looking for a professional to help you, as this will help to secure the best results.

Falling Asleep: Everyone has experienced the impact of a heavy evening of drinks at least once in their life. In this state, it can be very easy to drop to sleep, with your belly full and mind swimming. While this won’t cause an issue when you’re at home, falling asleep behind the wheel can be catastrophic. A surprising amount of accidents are caused by people drifting off at  the wheel. Of course, if you’re drunk, waking up to your car about the crash will make it almost impossible to do anything about it, as you’ll still be suffering with the other challenges on this list.

Hopefully, this post will inspire you to stick to the law on this occasion, avoiding drink driving whenever you can. It can be hard to spend nights drinking soft drinks and waiting for other people to be ready to go home. When it comes to your safety, though, this will always be worth it, and will be a small price to pay.

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