Workplace Injuries: How to Cope With Sudden Disability

The Bureau of Labor Statistics found that there had been 2.8 million work-related injuries reported in the private industry sector for the year 2014. A lot of these injuries resulted in disabilities. There have been many individuals disabled due to workplace injuries every year. For a lot of these workers, experiencing sudden disability can be a great challenge.

Aside from the physical and financial concerns that come as a consequence of it, a new disability can also cause individuals severe emotional distress. Adjusting to a new reality can understandably take some time. This is why many experts emphasize the importance of a reliable support system. People still adjusting to their disability will find relief in the company of family, friends, and other individuals with similar experiences.

When dealing with sudden disability, it’s also important to read up and learn more about what this new situation requires in terms of lifestyle choices and other similar concerns. While it has obvious challenges, remember that a disability is not an impediment to living a full life. Certain lifestyle changes will have to be made, but this doesn’t mean that life will have to remain at a standstill. At this stage, it’s important to consult with a physician and a psychologist, as both can provide appropriate advice and assistance.

For individuals disabled by workplace injuries, consulting with an attorney experienced in labor and employment law is particularly crucial. In most instances, injuries acquired while on the job entitle individuals to receive workers’ compensation benefits. These payments can be a huge help with sorting out medical expenses and other financial concerns caused by the new disability. Workers’ compensation claims can easily become complicated, however. To ensure that the process is expedited, it’s best to ask a professional for help.

DUI Felony

Drunk-driving or impaired driving due to alcohol is the cause of at least 10,000 fatal car crashes in the U.S. which number to more than 32,000 every year. In 2010, the US Department of Transportation’s Bureau of Transportation Statistics registered 13,365 fatal car accidents, while the number of those arrested for driving under the influence of alcohol or illegal drugs or both, reached 1.4 million.

In all U.S. states, driving with a 0.08% (or higher) blood alcohol concentration (BAC) level is considered a crime. Though a first offense DUI is usually treated as only a misdemeanor (a more serious offense, though, if the alcohol-impaired driver injures or kills someone, of if his or her BAC level is higher than the 0.08% limit), a Nashville criminal defense attorneys of Horst Law explains how it still can change your life, as it can result to the suspension of your license which, in turn, can lead to many other inconveniences for you, plus the fact that your driving history is marred with a traffic offense.

Many federal and state authorities are determined and zealous in catching violators of the anti-drunk driving law, thus, they are sharp and focused on observing any signs of drunk-driving, such as braking erratically, driving too slowly, swerving, stopping for no apparent reason or zig-zagging across the road. For the same end, they set up sobriety checkpoints to check on alcohol-impaired drivers as well as measure their BAC level.

A DUI felony is punished with costly fines and at least one year jail time. In some states, a felony leads to other heavy sentences, such as:

Mandatory installation of an Ignition interlock, which is a device that will prevent a vehicle from starting if it detects in the driver a BAC level that is higher than what is considered a safe level (about 0.02%);

Administrative license suspension (ALS), a law that gives law enforcers the authority to confiscate a driver’s license if the driver fails a chemical test. This can last for 90 days – 180 days, during which driving privileges may be limited to/from work;

Open container law. This law, which is administered by the Federal Highway Administration (FHWA) and the he National Highway Traffic Safety Administration (NHTSA), requires states to prohibit the possession of open alcohol beverage containers, as well as the consumption of an alcoholic beverage, in the passenger area of a motor vehicle on public highways.

Understand just how serious a DUI charge is should make a person think twice before sitting behind the wheel after consuming alcohol. However, there are just instances when impairment gets the better of a driver. It will require a seasoned felony DUI attorney if you get charged with a
DUI offense, more so if the charge is a felony.

Types of Personal Bankruptcy

Reduction in income, loss of job, divorce, medical expenses due to injury or illness which can cause you days of absence from work, aside from the possibility of you not having insurance coverage, can all result to failure (on your part) to settle your monthly financial obligations like payment of utility bills, mortgage, car loan, personal loans to friends and family, credit card bills, and so forth. Problems, however, do not end here for, before you realize it, your debts would have increased to an amount that would be impossible to settle, considering your financial situation. This will soon be followed by phone calls, emails, text messages and even notices of lawsuits – tactics used by creditors and collecting firms to force you to pay your debts.

If you can no longer meet your obligations to your creditors and lenders, know that you have the ability to free yourself from all or a part of your debts – this is stipulated under the U.S. Constitution. This ability is made possible by filing for bankruptcy, one of the legal means introduced by the government through which individuals and business firms can free themselves from overwhelming debts for a chance at regaining control over their finance. The Bankruptcy Law or Bankruptcy Code was made into law by the U.S. Congress in 1978; it contains various chapters, each designed to address individuals’ and businesses’ specific financial situations.

By the end of 2015, the U.S. Bankruptcy Courts said that 844,495 cases of bankruptcy were filed in the U.S. Under Chapter 7 bankruptcy, the chapter most commonly filed, there were 535,047 cases; Chapter 13 had 301,705 case; and, Chapter 11 had 7,241 cases filed under it.

Chapter 7 or Chapter 13 of the Bankruptcy Code are the specific chapters that you may choose if you need to file for personal bankruptcy. Chapter 7, specifically, allows you to have all or part of your debts discharged, after you repay some of the debts using your liquid assets.

Liquid assets, which are considered as non-exempt assets, are assets that can quickly be converted into cash, such as savings and checking accounts. Besides these, there may also be a need for you to surrender some of your non-exempt properties, like a second house or a vacation house, some jewelry, another car, etc., to a court-appointed trustee who will take charge in the selling of your surrendered properties and in paying your non-dischargeable debts to your creditors.

To be able to file Chapter 7 bankruptcy, however, you will first have to pass a means test. This test is designed to make sure that your income does not exceed the limit set under this chapter. Failing the means test may disqualify you from filing for bankruptcy under Chapter 7, but not for bankruptcy under Chapter 13.

Chapter 13 allows you to design a three-year, or five-year (if allowed by the courts) payment proposal during which time you can settle you debts. This is to make debt payments more affordable for you. Many individuals decide to file under Chapter 13 instead of under chapter 7 because under the latter, they will not be required to surrender any of their assets or properties. If they are operating a business, they will also be allowed to continue operations, a benefit not included under Chapter 7. Chapter 13, however, requires that the amount of your secured debt does not exceed $922,975 and your unsecured debt, not more than $307,675.

Personal bankruptcy protection can be a powerful tool in preventing creditor harassment, repossession and foreclosure, and other challenges that serious debt problems can cause. To make sure that you understand the process involved in each of these chapters it would be best that you seek the help of a highly-skilled personal bankruptcy lawyer.

Can I Handle a Personal Injury Case on My Own?

It is tempting to take control of everything in your life. This is, after all, a day and age when people want things done as soon as possible—an age of society that thrives and relies on instant gratification. So, yes, it can be tempting to simply take the swiftest and easiest way out of a situation and just get back to your regular, comfortable life – but with legal matters, should you really go through with it on your own?

If you are the plaintiff of a personal injury case – either you were the injured party or the surviving kin of the victim – then it is more than likely that you may be advised to not seek legal representation and take the first settlement you’re offered. Money is money, after all, and actual legal process can only mean complications, right? Wrong.

This is a common misconception that aims to benefit the insurance companies and not the survivor of a horrible incident. According to the website of the lawyers with the Hankey Law Office, insurance companies know that it is statistically more likely that a person who is represented by an attorney has a better chance of receiving a larger and fairer monetary settlement than a person who has had any legal aid at all.

It can be complicated to go through with the legal process but it doesn’t have to go to court. A settlement can be reached without having to face a trial. The only difference is that with reputable and experienced representation, you can be rewarded with not only sufficient compensation to cover your lawyer’s fees but also recompense to cover other financial constraints that you may not have considered such as the loss of wages or even the expenses to cover therapy in order to treat emotional trauma, which can be just as debilitating as physical injury.

Neck and Back Injuries

Neck and back injuries are very common injuries involved in road accidents, and they are also the most prevailing reasons for doctor’s visits. The human neck and back are made of delicately complex structure of muscles, bones, tissues and nerves that can easily be injured during an automobile accident. Often, the injuries include neurologic symptoms which can then radiate to other parts connected to that particular part of the nerve. Furthermore, any injury that affects any part of the spine can cause spasms (or reflex tightening) of the paraspinal muscles that can be very painful and debilitating.

It is estimated that eight out of ten people will suffer from neck or back pain at one point of their lives. There are those who would experience acute neck and back pain can feel abrupt and intense pain that can fortunately subside after a few days of weeks, but there are some types of neck and back injuries that are long-term and even result to chronic pain. According to Russo, Russo & Slania, P.C., those who have suffered from serious neck and back injuries due to the fault of another has the right for compensation and may be able to legally file a personal injury claim.

Whiplash is one of the many injuries that should be checked following an automobile accident. This injury is not immediately seen or felt by the victim, but can show itself hours or days after. Although many victims believe whiplash to be a minor injury, various research have proven that it can be a significantly long-term injury. Victims of automobile accidents should also consider low-impact injuries because soft-tissue injuries are often overlooked.

Many of these injuries require lasting medical treatment and can put a strain on your finances state. This is the main reason why people file for injury claims; awarding compensation is not only to deter motorists from doing similar acts, but also to help cover for medical expenses and other damages that the victim experience. Both economic and non-economic expenses can be covered by the compensation, making medical treatments faster and easier.