The Need for Long Term Disability Claims Filing Assistance

It is not at all easy to make a claim for long-term disability from an insurance company, whether employer-provided or personal. Because the claim is based on a person’s capacity to work, there is quite a burden of proof on the claimant and the language of insurance is (deliberately) obfuscated. In other words, mere mortals may have difficulty in understanding what is being said, or the requirements for properly making a claim. This is where lawyers can be of great help in providing long-term disability claims filing assistance.

According to the website of Scudder & Hedrick, PLLC, in Raleigh, North Carolina, insurance companies are always on the lookout for any opportunity to delay or deny a claim. Filing a claim without knowing the process can easily lead to the ultimate denial of legitimate long-term disability benefits. This is a major problem for someone who is unable to work and has many financial obligations. It is essential that the utmost thoroughness and care is taken when filing a claim for long-term disability with an insurance company. The documents provided to back up a claim has to be complete and properly filled out so that there are no loopholes that an insurer can use to wriggle out of its obligation.

It all lies with how an insurer defines “qualified” claims. The terms of the policy will set out what the limits are as well as who are eligible to receive benefits. An unchecked box, misplaced period, or uncrossed T can shoot holes in a claim that would otherwise be perfectly legitimate. Long-term disability claims filing assistance lawyers are well-versed in the steps for this particular dance with insurance companies, and will not hesitate to aggressively defend a client’s rights.

If you need to file a disability claim with your insurer, you would do well to consider getting long-term disability claims filing assistance at the very beginning to avoid derailing your case. Find a lawyer in your area with the requisite experience and be assured that you will be given every chance for a successful claim.

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Motorists and Bicyclists have Equal Rights on the Road

The National Highway Traffic Safety Administration persuades every road user, especially motorists, to respect the rights of bicyclists on the road, as this is the best way to make a safe transportation environment. Legally speaking, bicycles have the same rights on the road as any other type of motor vehicle. Sadly, though, many drivers have refused bikers the space they need on the road, resulting to significant numbers in severely injured and dead bicyclists.

According to the website of LaMarca Law Group, there were about 51,000 injured and as many as 600 killed bicyclists in 2009 alone. These numbers have continued to increase in recent years, showing the great danger bikers are exposed to once they start to ride on US roads. And despite the bike lanes on busy city roads, many drivers still refuse to acknowledge the right of bikers on the road, rendering car and bicycle collision a common road site every day.

The most common causes of collision between motor vehicles and bicycles are:

  • Motor vehicle drivers directly and abruptly turning in front of bikers
  • Drivers, from parking areas or driveways, driving into traffic and cutting a biker’s right of way
  • Drivers failing to slow down at intersections
  • Drivers running a stop sign or traffic light
  • Drivers not taking time to double-check for incoming bikers
  • Reckless driving due to negligence or alcohol influence

Despite the number of bicycle accidents, riding a bike should never be a seen as a dangerous means of transportation or leisure activity. If only to keep away from the dangers that city roads present, many bicyclists have decided to ride along paths where they’ll be safer and enjoy their ride more.

In the event of an accident, however, the negligent or reckless driver at fault ought to be made to answer to the injury he or she has caused. With the help of a determined and knowledgeable personal injury lawyer, obtaining the compensation that you legally deserve is closer to possible than never.

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What is a Retained Surgical Instrument?

A retained surgical instrument is any material used in a surgical procedure that inadvertently gets left behind. The material can range from a scalpel to towels, although the most frequently retained surgical instrument is a sponge. A retained sponge happens frequently enough that it actually has an official name – gossypiboma. This term also applies to a left towel, and an alternative term is textilioma.

There is no official term for a retained scalpel; indeed it seems highly unlikely that something like a scalpel can be left inside the body after surgery. But it actually happens more often than one would think. It is so much so that there have been considerable efforts made in improving the surgical process to prevent retained surgical instrument errors. Based on a recent study, it is estimated that retained surgical instrument occurs in 12.5% of all surgeries in the US.

This is perhaps not surprising considering that a minimum of 250 instruments are used in any given surgery. According to an article on the website of Massachusetts medical malpractice lawyers Crowe & Mulvey, LLP, there are a few common and preventable types of surgical errors that a patient may fall victim to. Retained surgical instrument is one of them and while it may be understandable, they are not excusable. The consequences of retained surgical instrument in the human body can range from the uncomfortable to the downright deadly, and will definitely lead eventually to injury and perhaps removal surgery. Some cases such as gossypiboma may not even be detected until years later. This has both health and financial costs to the patient.

Retained surgical instrument errors are clear examples of negligence on the part of the surgical team. If you or someone close to you find out that it has been done to you, consult immediately with a surgical errors lawyer to find out your legal options.

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Single Vehicle Motorcycle Accidents

It is not necessary for a vehicle to make contact for the driver to be liable. A single vehicle motorcycle accident can result from a rider being forced off the road by another vehicle. It could simply be because the other driver did not look before changing lanes, or is simply a bad driver. In either case, a motorcycle rider’s instinct is to avoid being rammed or hit. As pointed out on the website of Ali Mokaram from the Mokaram Law Firm, even the most skilled and responsible motorcycle operator will have no chance against a negligent motorist.

In such cases if the incident results in serious injury to the motorcycle rider, it is possible to hold the other driver liable for medical bills, repair or replacement of property and other actual expenses as well as pain and suffering.

The plaintiff will have to identify the vehicle that caused the accident in order to file a personal injury claim. Fortunately, many city streets are now equipped with closed circuit television (CCTV) which can make it easier to pinpoint the culprit. Witnesses may also need to be deposed to determine the sequence of events that will prove the actions of the defendant was the proximate cause of the single vehicle motorcycle accident, which resulted in the injuries and/or property damage. If the incident happened on a rural road without CCTV coverage, and there were no witnesses, then it may be very difficult to substantiate the facts of the claim as laid out.

In most states for personal injury cases, the burden of proof is on the plaintiff, so it is quite important that all the documents for a single vehicle motorcycle accident is submitted. If you are planning to file a single vehicle motorcycle accident claim against another individual who caused you harm, consult with a car accident lawyer who knows his or her way around the track. This will ensure the greatest chance of success.

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