Reducing Instances of LTD through Functional Capacity Training

Some companies are able to do much better than other firms when it comes to hiring new talents to fill up vacant positions. This is because, rather than spending so much time browsing through resumes and spending even a longer time giving tests and interviewing prospected applicants, these companies rather entrust the selection and hiring of the best people, who can man the job, to functional employment testing firms.

According to the website of WorkSTEPS, employers who have sought these services have all experienced decreased turnover, increased worker productivity, safer work environment, reductions in lost time, diminished incidence of fraud and abuse, reduced modifier rates and workers’ compensation premium, and reduction in group health costs.

This is because functional employment screeners try to match jobs with candidates who can physically perform them. Thus, no job is offered to a wrong applicant and no applicant is ever offered a wrong job.

Being able to provide a job that perfectly fits the skills, capabilities, interests, stamina, etc., of the applicant is vital, especially when coupled with a focus on injury prevention rather than injury management. This eventually leads to the creation of a workplace that guarantees production and higher profits rather than incidences of violations of the workplace safety rules enforced by the Occupational Safety and Health Administration (OSHA) which can only increase instances of accidents that cause long-term disabilities (LTDs).

Purchasing a long-term disability (LTD) insurance plan can, at times, prove more important than a life insurance. This is because an LTD coverage can provide an injured individual the financial benefits that can temporarily replace lost income due to the disability (usually about 45-60% of the person’s wages).

In the event of an LTD, however, it is also necessary that the injured seek the help of a highly knowledgeable and skilled long-term disability lawyer when making insurance benefits claim. The website of the Hankey Law Office explains that many insurance companies employ tactics that will enable them either to delay or deny payment of benefits to disabled clients. This reluctance is obviously due to their desire for profitability; the greater the better. With legal representation, though, the victim’s lawyer will know how to legally argue against an insurance firm’s reluctant move to pay for the benefit of the disabled policy holder.

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The Issue of Power Morcellators

It is common to hear whenever a nervous patient is advised about the need for surgery that all surgeries no matter how small or carefully and professionally conducted carry some risk to the patient, ranging from adverse reactions to an anesthetic or other drug to infections. This is why minimally-invasive procedures are the method of choice whenever possible, and why power morcellators enjoyed such popularity until the ax came falling down.

A power morcellator is a laparoscopic (keyhole, referring to the small incision) surgical device that basically cuts up the tissue targeted for removal to make it easier to extract through a small hole. It is often used for the removal of uterine fibroid tissue, often involving the removal of the uterus itself in some case. Because the procedure requires access to the patient’s body to a significant degree, it is advantageous and safer for the patient when it can be done using just a small, precise incision. The power morcellator was advertised as safe to be used in such cases. Unfortunately, the manufacturers failed to mention that while the procedure itself would be easier and safer, the consequences could be quite devastating.

An article on the website of personal injury law firm Williams Kherkher pointed out that even the FDA no longer believes that power morcellators are safe to use. They had issued two memos so far to hospitals and doctors discouraging them from recommending and using power morcellators for these procedures because there appears to be a correlation between its use and higher risk of uterine disease, including cancer. While the American College of Obstetricians and Gynecologists continues to take the stand that power morcellators has a role to play in gynecologic surgery, it is considered safer to use alternative methods until that role is more firmly established.

If you have developed uterine problems since your otherwise morcellator surgery, you may have a case against the device manufacturer. Forward you case to an experienced power morcellator lawyer in your state to get it properly assessed.

 

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Personal Injury – Dog Bites

About 800,000 cases of dog bites or animal attack are reported in the US annually with majority of the victims being very young children and adults 60 years old or above. The ones most prone to dog bites, however, are boys between 5 and 9 years old, while children aged 4 or below suffer more painful, and often fatal, bites as these are either at the head or neck.

Though dogs can definitely be domesticated and trained, certain breeds just prove to be more hostile than others. Thus, though it is natural for dogs to be playful often, too much dog energy during playful moments can rather lead to unexpected dog reaction or behavior that could injure its playmate. At other times, making it feel threatened can cause the dog to react by biting or attacking the seeming source of threat.

On its website, the Sampson Law Firm explains how a dog bite can be an extremely traumatizing experience for the victim. And, with possible injuries, such as severe lacerations, hemorrhaging, severe contusions, broken bones, puncture wounds, bacterial infections and viral infections, like rabies, injury can both be physical and psychological. Besides these, other reported dog bite injuries have included facial scarring or disfigurement, and nerve damage – injuries that would usually require reconstructive surgery.

The US Centers for Disease Control and Prevention (CDC), a governmental organization, continuously finds ways that will help reduce the number dog bites and animal attacks in the US. One of the means CDC believes that will contribute to this endeavor is the implementation of the leash law, which states that dogs should be on leash especially in public areas. While state-wide leash law (or “Running at Large Statutes”) is in effect in only a number of states, those that do not observe it statewide authorize its cities, municipalities, counties, towns, etc. to pass their own leash law instead (implementation of this law is actually even stricter compared to states with “Running at Large Statutes.”

People who still get injured by other’s pets, though, have the legal right to pursue legal action against the owner of the pet. The website of Madison, Wisconsin personal injury lawyers says that legal action can help the victim receive the compensation needed for the medical treatment and other damages resulting from the injury caused by the animal.

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A Case of Wrong Diagnosis

Quality medical care provided through correct diagnosis, timely treatment and the right medical procedures and medication are just some of the elements of quality treatment patients have the right to expect from doctors and all other medical professionals. Medical professionals are called to uphold specific ethical standards where treatment of patients is concerned and, though, the Hippocratic Oath, the oath usually taken by physicians, neither implies legal obligation nor moral responsibility, failure to provide quality medical care resulting to patient harm can result to a criminal and/or civil lawsuit against the erring physician.

Each US state has the authority to protect and guarantee the general health, welfare and safety of all its locals. Thus, each state’s medical licensing board has the responsibility to make sure that only those who qualify under its standards will be licensed to practice medicine and provide medical care.

The website of the The Benton Law Firm says that despite doctors’ rigorous training, however, medical mistakes still occur, with cases of malpractice only continuing to increase in a number of hospitals. The Journal of the American Medical Association specifically reports about 225,000 lives lost every year due to medical malpractice, making it one of major causes of deaths in the US.

Medical malpractice may be committed through many different ways, most especially through wrong diagnosis, which can mean missed, delayed or over diagnosis. But rather than a totally accidental occurrence, this type of medical malpractice is primarily due to someone else’s negligence or recklessness, making it a totally preventable thing if only due care had been observed. Thus, because of wrong diagnosis patients may be: prescribed with a wrong medication, resulting to untreated actual health complaint plus the possibility of harmful side effect from the unnecessary medicine; made to undergo unnecessary laboratory tests or even a wrong surgical procedure; and so forth.

According to the website of the Goings Law Firm, LLC, medical malpractice can increase a patient’s suffering or even lead to a loss of life. Victims of medical malpractice have the legal right to seek justice and compensation from the liable party through the medical malpractice law. Though the harm may be irreversible, the compensation will allow the victim get the medical treatment that he/she may need.

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Chapter 7 Bankruptcy

Figuring out how to save oneself from overwhelming debts can be stress-filled, besides the unnerving worries caused by the debt itself. To many individuals, the thought of needing to sell any property or asset they have worked very hard for, to be able to pay off their debts, is just too painful a thought; however, this is not the only way to regain financial stability and a brand new financial start.

Families and individuals who get harassing calls from collections agencies demanding they pay their debts create a lot of pressure. The pressure becomes even more intense due to calls at the office, threats of repossession, or threats of garnishment of wages to satisfy the debt.

There is a legal way that will give a debtor just the solution that he/she needs for another chance for financial security: Chapter 7 bankruptcy.

Bankruptcy is one of the legal options available for individuals and businesses, with crushing debts, which can help regain control of their finances. But besides allowing them to legally declare their inability to pay their debts, chapter 7 also requires the immediate cessation of any means employed by creditors and collecting agents that will enable them to collect debt payments. This means the end of e-mails, text messages, letters, lawsuits, and so forth.

There are different chapters in the Bankruptcy law, each designed to address the unique financial situation a debtor is in. Chapter 7, specifically, is best for individuals or businesses with properties, but whose income falls within the chapter’s stipulated limit. Also known as liquidation bankruptcy, chapter 7 requires the liquidation of some properties by a court-appointed trustee, who will also allocate the amount earned to creditors. If there are different properties owned by the debtor or business, then the debtor has the legal right to protect some properties and keep these from being sold. After the property has been sold and the amount distributed to the creditors, the remaining amount from the sale (if there is any) will be given to the debtor (or property owner). Only those categorized as non-dischargeable debts (such as student loan, alimony and court fines) are to be paid; business and personal loans, medical bills, and debts from use of credit cards, which are called dischargeable debts, are usually forgiven by the court, freeing the debtor from these types of loans.

To be able to understand more the requirements of chapter 7 bankruptcy law, it is best that the individual is guided by a knowledgeable bankruptcy lawyer, who will also be able to help him/her prepare and submit all the necessary documents on time.

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