Long Term Disability Benefits

Any illness or injury that leads to long term disability will always have a major effect on the financial lives of individuals and struggling families. This is why it is very important that a person will continue to receive, at least, some financial earnings despite his/her incapability to report to work.

This financial earning can be provided by a long term disability (LTD) insurance policy, usually a part of the comprehensive employee benefits package provided by an employer to protect an employee from losing the wages that he/she would normally earn if it were not for an injury, illness or accident that would render him/her disabled for a long period.

The financial benefits provided by the long term disability insurance starts after the short term disability insurance benefits have ended, usually between three to six months of inability to report to work. The LTD insurance pays the employee a percentage of his/her salary, typically about 50% – 70%. Often, this percentage is not enough to meet the disabled employee’s needs, though, as it is still subjected to taxes. Thus, for additional income, some still purchase a supplemental long term disability insurance, which is usually non-taxable.

Long term disability policies are generally designed to last up to 10 years or until the employee turns 65. Often, however, despite the obvious disability and timely payment of premiums, many LTD insurance firms make it difficult for claimants to enjoy the financial benefits specified in the policy. The website of the Hankey Law Office P.C. says that the practice of many insurance companies in reluctantly paying out benefits to disabled clients, doing all things possible to avoid cutting necessary checks through denial of claims, delay in assessment of applications or payment of claims, or payment of benefits lower than what is stipulated in the policy.

Group health insurance packages are overseen by the Employee Retirement Income Security Act (ERISA). The authority that ERISA grants insurance providers in deciding which claims get approved or rejected is probably one reason for the so many rejections and delays these firms have and are guilty of.

In the event of a rejected claim, filing an internal appeal based on the rules specified in the claimant’s policy is advisable before filing any lawsuit in a federal court. It is also highly important that the claimant submits all necessary forms and documents, especially medical evidences, as a federal court judge would only usually consider evidences that were presented during the internal appeal. Likewise important is legal assistance provided only by a highly-qualified long term disability lawyer.

Different Types of Vehicle Accidents

In 1977, two Boeing 747 commercial planes collided on the airstrip of an airport in the Spanish island of Tenerife, killing 583 of the planes’ total 644 passengers. On January 13, 2012, the Italian cruise liner Costa Concordia, one of the largest ships in the world, sank after it hit a rock off Isola del Giglio, Tuscany; 3,206 passengers and 1,023 crew members were onboard the ship during this sea tragedy.

If there is one fact that cannot be denied, it is that people love to travel. But whether one travels by plane, boat, train or car, there is always the possibility of an accident because some people simply become careless or negligent of their duty in observing proper and adequate care, which will help ensure everyone’s safety.

As many as 38 million flights were recorded by the International Air Transport Association in 2014, carrying more than 3.3 billion people to different destinations around the world. The cruise ship industry, for the past two decades, has been providing the most exciting holiday vacations to more than 11 million Americans (about 20 million counting all other nationalities) since the 1990s. When an accident occurs, the number of passengers getting either injured or killed in passenger planes or cruise ship total to hundreds, yet, the number of passengers getting harmed in these modes of transportation is so much more smaller when compared to road accidents, which number to more than four million every year and which injure more than two million and kill more than 30,000 drivers, cyclists, motorcyclists and pedestrians.

Looking at the 2011 worldwide aviation record, the Aviation Safety Network Database, a non-profit organization, shows 373 passenger fatalities on scheduled commercial flights. Without any intent of regarding the loss of lives as a trivial matter, but the total number of commercial passengers in 2011, which was submitted to the International Air Transport Association, an airline trade organization, was 2.84 billion.

Cruise travels are, likewise, considered as safe modes of travelling, besides being definitely fun and adventurous. Although the International Maritime Organization (IMO) does not have complete accounts of marine casualties, recording only 300 incidents in the past decade as compared to the 644 incidents recorded by Ross Klein, a Sociology professor at the Memorial University Newfoundland, during the same years, it only shows that, like air travel, cruising is also a generally safe means of going to different places.

Regardless of the means of transportation one avails, the law firm Habush Habush & Rottier S.C. ®, explains on its website the right of passengers, who become victims of accidents, to fight for the compensation the law allows them to receive from all parties that may be named liable for the accident. The only thing that differentiates aviation and cruise ship accidents to those involving cars and other road vehicles is the more complicated law that needs to be observed when filing a claims lawsuit. The website of lawyers from the Louis A. Vucci says that cruise line passengers can find help in the future if they sustain an injury during their cruise travel.

The Latest Skin Tightening Treatment

As skin tissues degenerate due to aging, so does its firmness or elasticity; this is a process medically termed as elastosis. Aging thins the skin’s outer layer (the epidermis) and diminishes its pigment cell count. And, as the face starts to lose fat, jowls and fleshy chins, neck wrinkles or “turkey wattle,” creases, droopy eyelids, wrinkles, and age spots, will begin to show.

While the signs of aging seem to appear slower in some individuals, there are those who lose the youthful facets of their skin faster. Cosmetologists see bone structure, genetics, poor diet, sun exposure and care for one’s skin over the years, as some of the reasons behind the differences in skin aging. But, whether you reveal the signs of aging faster or slower, slowing down its signs to keep you looking younger by keeping your skin vibrant, smoother, youthful in appearance and beautiful, is possible. Keeping your skin from revealing the signs of aging is real and the only thing you need to do is choose which way you want to accomplish it: through surgical procedure, non-invasive treatment, or through the use of anti-aging products.

Skin tightening is one of the many different procedures to make you look young. It firms up sagging skin on different areas of the body, such as the arms, neck area and the face to make you 10 or 15 years younger looking; you probably know someone, or have seen someone who, at age 50 only looks as if she’s in her 30s.

Tightening the skin on specific areas of the body may be done through the traditional way, which is invasive or surgical. This, however, will require a patient to go under the knife, suffer incisions on the areas of the body to be treated and spend long down time. But then, there are also the non-invasive or non-surgical treatments, one of which is the Palomar Deep IR laser, which requires very short recovery or down time, greatly diminishes pain, risks of scarring and infection, and ensures the greatest results – factors that make this procedure so much more preferred by many clients.

Deep IR involves the use of infrared heat in the stimulation of collagen. It also makes use of the latest cooling system in cooling the skin surface to enable it to still penetrate the deeper layers of the skin for tighter and more youthful-looking results. The areas of the body where skin tightening is most frequently requested are the face, neck or jowl, the sagging area under the arm, and the abdomen. The procedure lasts between a few minutes to about an hour.

The Negative Effects of a Criminal Charge or Conviction in a Divorce Case

Ending a long relationship through divorce can be a stressful legal procedure as well as a demoralizing experience to many couples. But when a marital relationship comes to a point when problems outnumber and outweigh favorable situations, many (even older couples aged 50 or above and who have been married for decades) consider divorce as the most logical solution to ending their problem-plagued marriage for a brand new, peaceful and happier future.

Divorce, however, entails many essential issues that separating spouses will need to settle, either through amicable agreement or through a lawsuit wherein a family court judge will make all decisions based on various factors relating to each issue. These issues include child custody and visitation rights, child support, division of properties, assets and debts, and alimony or spousal support.

Many divorcing spouses now resort to mediated divorce, a process wherein they are given the freedom to decide on everything peacefully, amicably and privately as this divorce procedure happens only between the spouses who, with their respective lawyers (if each has one), are guided by a mediator of their own choosing.

A lawsuit, however, which is the only means to settle a contested divorce, leaves all decisions on all divorce-related issues in the hands of a judge. A contested divorce is always complicated; this is why, according to the website of law firm Arenson Law Group, PC, the assistance of a qualified family law lawyer will prove extremely valuable in making sure that your rights (as a spouse) and your interests (especially for the well being of your children) are well defended and highly considered by the court. A good lawyer can make the difference at the end of the day in contested divorces.

In a contested divorce, the odds of swaying the court to decide in favor of one spouse, who has been convicted of a crime or is facing a possible criminal conviction, can be an extremely difficult endeavor. A criminal conviction in cases, such as drug possession, alcohol and/or drug abuse/dependence, DUI, child abuse, domestic violence, aggravated assault, attempted murder, financial fraud, and so forth, can lead to unfavorable court rulings, especially, on child custody, and division of properties and assets issues. But besides having been convicted of a crime, multiple criminal charges can also influence a judge in deciding against the convicted spouse’s favor.

On its website, the law firm of Ian Inglis – Attorney at Law, explains how a criminal record, especially one relating to DWI or DUI, can have a huge impact on a person’s life. Facing unwanted severe penalties, though, can definitely be avoided, or maybe even being convicted at all, but only so long as that person is represented by a knowledgeable and experienced legal representative.

The Law Offices of Richard A. Portale, P.C., likewise explain on its website how a criminal conviction can ruin a person’s personal and future life, be it a case relating to DUI, drug possession or abuse, theft and robbery, assault and battery, domestic violence, murder/homicide, etc. Thus, to save oneself from the destructive effects of a criminal conviction, seeking only the best criminal defense lawyer for the strongest defense is definitely necessary.

Unless the conviction was made many years ago and if the criminally convicted spouse has already paid for his/her crime and has undergone a rehabilitation program, then the court may just overrule such past criminal record and consider it inadmissible in a divorce lawsuit. This court act will actually be in compliance with an article in the family law which states that the remoteness of any act may not be admitted as evidence against an individual, especially if such act is not part of a recurring pattern, is not likely to be repeated and has been corrected through a rehabilitation program.

Sexual Harassment: An Illegal Conduct Punishable Under All State Laws

While the anti-sexual harassment mandate of Title VII of the 1964 Civil Rights Act is imposed only on employers with at least 15 employees, there are laws enforced by the U.S. Department of State which strictly prohibit any form of sexual harassment and which warns offenders of appropriate corrective actions if allegations regarding such acts are found credible.

Sexual harassment, as defined by the U.S. Department of State, is any form of unwanted or undesirable requests for sexual favors, sexual advances or physical/verbal conduct of a sexual nature which can affect a person’s employment or his/her work performance. This illegal act may be committed either through the Quid Pro Quo type of sexual harassment of through the Hostile Environment.

Quid Pro Quo is committed by a workplace authority, such as the employer, a manager, a supervisor, etc., who has the capability to grant rewards or exact punitive actions. Thus, an employee’s promotion, benefits, awards, and other job incentives would be conditioned by his/her acceptance of, or refusal to, the sexual requests or advances made on him/her.

In a Hostile Environment, the perpetrator of the illegal act can be a superior, a (senior, junior or same level) co-worker, a customer, or anyone the victim interacts with in the workplace. This type of sexual harassment may be committed through: display of pornographic or sexually explicit materials; comments on the victim’s physical attributes or way of dressing; use of offensive or indecent language; unnecessary touching; repeated sexual teasing or sexual pranks; intentional brushing up against the victim; and, repeated suggestive sexual gestures.

Every year the Equal Employment Opportunity Commission (EEOC) receives about 15,000 sexual harassment complaints from both female and male employees, though, many more are believed to be unreported. Due to this, the website of law firm Cary Kane LLP says that victims need not be afraid nor keep silent as this will only allow the perpetrators of this illegal act to go on with their offensive and unlawful conduct. The best thing to do, once a person feels and believes that he/she is being sexually harassed, is to get in touch with a lawyer immediately for the possible legal action that may need to be taken.

Self-Storage: A Safe Extra Space for Your Stuff

During the third quarter of 2010, two new television programs, Storage Wars and Auction Hunters, which featured storage auctions, were released. Though these two programs (plus the other three that began to air shortly thereafter: Storage Wars: New York; Storage Wars: Texas; and, Storage Hunters) focused on the popularity of storage auctions, one other, and more basic fact was implied – the need and use of self-storage or mini storage by thousands of Americans.

Self-storage (shorthand form for self-service storage) is a booming industry in the US. This industry is involved in the renting out or storage spaces, like rooms, containers, outdoor spaces or lockers, to individuals or businesses on a short-term basis (though longer-term leases are possible), usually a month.

As the year 2009 closed, about 58,000 self-storage facilities have been made available to anyone who needed extra space. A self-storage gave individuals and families that space where they could keep the things that they have outgrown but cannot part with, while for firms, an additional safe shelter for temporarily unused office equipment or for whatever purpose the spaces were needed.

Self-storage facilities began in Fort Lauderdale, Florida in 1958; the business opened next in Texas in the late 1960s. From 2000 to 2005, more than 3,000 new facilities were made available in the US every year. The need for self-storage space can be based on three things: American consumerism; American mobility; and, according to some property analysts, the older houses, built with smaller closets and rooms, and the disappearance of the American attic.

Every year, especially during the holidays, people just love to fill up their home with new stuff. The purchase of new things, however, only means need for space; but, with no extra room in the house, old stuffs will have to give up their spaces for the new ones. Re-placement, though, does not necessarily mean throwing out the old – things many people are not prepared to part with, thus, the need for self-storage.

Extra spaces, where people can keep some of their household items safely, are in demand, especially during summer when a lot of lease terms end, the time when moving to a new house is at its peak. And, if the new residence cannot house all of one’s belongings, things of secondary importance are rather kept in a self-storage.

And then there is the case of the totally new house design.

According to the National Association of Homebuilders, the average American house has gotten much bigger. Up until 1973, the size of an average American house was 1,660 square feet; in 2004 it increased to 2,400 square feet. But there was one extra space missing: the attic.

Many houses, especially in the temperate states, like California, Florida and Texas (the three states that also happen to have the most self-storage facilities), were designed as ranches or bungalows with neither a basement nor an attic where old stuff can be kept and no room for a consumerist’s haul.

But ranches or bungalows are not the only houses having space problems for even modern houses now lack an attic as builders have shifted to using trusses, which are cheaper, compared to rafter-based roof frames.

Those in the self-storage industry say that in every ten U.S. households one is renting a self-storage unit. Austin self storage is one place where you can store anything that needs to be stored safely, without a high risk of damage. Not all self-storage facilities are the same; thus, make sure your belongings are kept well and protected, and accessible anytime you need to access them.