How to Pay for Long Term Disability

By on Nov 23, 2017 in Long-term disability | 0 comments

The need for long-term disability is always a stressful situation, no matter the circumstances, but it is particularly difficult for the elderly who have limited resources.

Many people who are younger have larger support networks in place to help with these issues. There are spouses, friends, siblings, perhaps even parents still around able to help get through a difficult period. Also, younger people have a far greater likelihood of making a full recovery from long-term disability and thus recovering their earning ability and normal quality of life.

None of these things are true for the elderly. Many have already lost their spouse. Their parents are gone. If friends and siblings are still around, they are likely also in difficult financial and physical positions and do not have the ability to help out like they might once have. While the person may have children, children can be far less reliable on these issues than might be hoped. And then, long-term disability often proves permanent (at least to some extent) for those over a certain age. Bones become more brittle, joints misbehave, muscles are not as strong as in previous years: a serious injury can make it hard to ever completely heal back up to a previously accustomed level.

For all these reasons, it is important for the elderly who find themselves struggling with a long-term disability to know what is ahead of them. First, money is almost certainly going to be tight. Social Security and Medicare are notoriously stingy when paying for long-term issues. The paperwork is complicated and the likelihood of approval is either low or impossible. The resources to pay for the medical attention needed and to cover other new expenses (like the help of a part-time nurse) will all come out of pocket.

Unfortunately, many of the elderly lack such deep pockets. Retirement is expensive even without serious injury, and few have had the good fortune to save up as much as they may have planned to earlier. With expenses growing in many of the key areas of life (particularly in housing and education) resources may have been eaten up to cover those needs either for that individual or for others in the family.

With so many confronted by this situation, it is good there is at least one piece of hopeful news. If the elderly person has life insurance, it is possible that money can be taken out now to cover long-term expenses. While not all policies allow for this, many do cover an early withdrawal from the account with no penalty. That includes no taxes.

It’s always best to cover such issues with a long-term disability lawyer, and ideally, any who could potentially end up in this situation should do so now so as to be prepared should such problems arise in the future.

Drunk Drivers Make Society MADD

By on Aug 16, 2017 in Personal Injury | 0 comments

As the automobile continues to reshape our world in many different ways it is important to recognize the potential for possibly dangerous scenarios involving cars and people. Driving a motor vehicle while under the influence of alcohol is a severe offense and can ruin the lives of everyone involved, including the drivers. Drunk driving is a direct insult to the rest of society as it sends the message that the driver is indifferent to any catastrophe or pain they may cause as a result of their negligent actions. If we are to progress to an age where innocent life is not taken by selfish offenders it must begin with more rigorous educational campaigns that can show the true pain experienced by victims of such crashes.

Due to the high rates of accidents that involved the consumption of alcohol, there have been countless studies done by countless organization who have one goal, and that is to effectively eradicate accidents involving the use of alcohol. Mothers Against Drunk Driving or MADD is a nonprofit organization that raises awareness and signs of drunken driving. Founded by a mother who lost her son to a drunken driver’s choices and actions, MADD is one of the most effective groups in prevention efforts against drunk driving. They are ruthless and in your face, and that is what gives them their influential status. In a compilation report of statistics from various traffic safety organizations, they shared a U.S. Department of Transportation statistic that claims nearly one-third of the people arrested for or convicted of drunk driving are repeat offenders. This statistic gives light to the already common deduction that the majority of drunk drivers have no remorse for their actions until it is too late. Victims of automobile accidents involving the use of alcohol do not deserve to be left in crippled conditions fighting for their life while their inflict or sleeps off a hangover in police custody. In the event of a serious, alcohol related accident the victim and their family should seek justice for their trauma. Not only do the actions of drunk drivers significantly tear apart individuals who were close to the victim, such as family and friends, but it also affects taxpayers across the nation. In the same compilation mentioned above, MADD shared a statistic of their own study, in which they estimated that drunk driving accidents cost the United States $132 billion each year. This waste of money should not continue by any means. Negligence in the form of ignorance on behalf of the driver can not continue to tear families apart and subsequently the safety of fellow drivers on the road.  

To conclude, serious reform must be done in order to truly eradicate drunk driving, but those who have been victims do have the option to hire a Columbia car accident attorney. The stain it has already left on the minds of victims and contemporaries alike should serve as a reminder that no ride home is guaranteed to end at the driveway. Through the utilization of ridesharing, safe party practices, and effective education campaigns this goal of eradicating drunk driving could become reality.

How is Spousal Support Calculated?

By on Aug 3, 2017 in Divorce, Domestic Violence | 0 comments

When you get a divorce, there are numerous areas where there can be disputes between you and your spouse, such as child custody and support, division of property, and perhaps the most controversial of all – spousal support.

According to the website of Higdon, Hardy & Zuflacht, spousal support is complicated than you think, because it is calculated with so many factors in mind. Divorce can be a life-changing experience, and the goal of spousal support is to at least minimize this change in the financial aspect. Below are some of the factors that are considered in spousal support calculations.

Duration of the marriage

If the spouses are married for more than 10 years, spousal support is more likely. A lot can happen in 10 years – a spouse that can be too used with the high standard of living, a spouse that has been away from the job market for a long time because of domestic duties. You name it. A spouse may need support if the sheer duration of the marriage is enough for him or her to not be able to provide properly for himself or herself.

Capacity to earn money

Does the spouse have a source of income, like employment or business? If he or she doesn’t, he or she may be entitled to alimony, especially if this fact has been caused by the marriage anyway. For example, if a spouse has sacrificed his or her job to take care of the house and kids, it is just fair that he or she receives support. Aside from source of income, the very capability to earn is also looked into, including factors such as age, marketability of skills, and medical conditions.

Custody to the child

The future expenses of the spouse are also taken into consideration, especially if there is a child involved. If the spouse has the custody for the child, he or she is, of course, liable to a lot of financial burdens, such as food, education, and shelter. The spouse may need financial support to fulfil this domestic obligation, especially if he or she has limited financial sources.

History of domestic violence

A spouse that has been abused may have physical, emotional, and psychological responses to the abusive acts he or she has experienced, and these responses may be enough to limit his or her capacity to earn money and his or her general enjoyment of life. So, he or she may deserve compensation in the form of spousal support.

What are T-bone Collisions?

By on Jun 4, 2017 in Personal Injury | 0 comments

What are T-bone Collisions?

Head-on collisions occur when the front ends of two vehicles collide. Rear-end collisions occur when the rear end of a vehicle has been hit by another vehicle. These are just some of the common types of car accidents. Another type of car accident is called the T-bone collision, but what is it exactly?

A T-bone accident happens when the front side of a vehicle crashes into the side of another, forming a letter T. This kind of traffic collision mostly occurs because of right-of-way issues, such as when a car blows through a red light or stop sign on an intersection and ends up crashing into a car that has been traveling on the adjacent road. This can also occur when a car abruptly makes a turn, typically on the right side, and its driver has not seen that there has been a vehicle on its side.

According to the website, those who have been hurt in car accidents may get compensation for the damages. This is especially true if the accident has been caused by a negligent party, such as a reckless driver.

Of course, T-bone collisions can also be triggered by reckless drivers, such as those who are driving while distracted, drunk, or fatigued, and those who intentionally break the speed limit or drive too fast considering the road and weather conditions.

What makes T-bone collisions especially dangerous is the fact that they impact the side of the car. This means that those on the impacted side only have the car doors as their defense against the collision force. They will most likely absorb a big portion of the impact, resulting into severe traumatic injuries, or worse, even death.

Many T-bone accidents cause chain reactions. The vehicles involved may crash into nearby trees, utility poles, fire hydrants, and even vehicles. More collisions mean more chances of injury and death.

Dangerous NFL Injuries

By on Feb 20, 2017 in Personal Injury | 0 comments

Anterior cruciate ligament (ACL), medial collateral ligament (MCL), torn meniscus, muscle contusions, shoulder tendinitis, shoulder separation or dislocation, ankle sprains and strains, and torn hamstrings are just some of the injuries suffered by National Football League and College Football players. More serious than any of these musculoskeletal injuries, however, are two other injuries that affect the brain: Chronic Traumatic Encephalopathy (CTE) and Concussion.

Chronic Traumatic Encephalopathy (CTE), which is a progressive, degenerative brain disease, can lead to memory loss, dementia and depression. Concussion, on the other hand, is “a change in mental state due to a traumatic impact. Not all those who suffer a concussion lose consciousness. Some signs that a concussion has been sustained are headaches, dizziness, nausea, loss of balance, drowsiness, numbness, difficulty concentrating, and blurred vision.

During the 2015 season alone, there were over 180 reported concussions in the National Football League, an average of 10.7 NFL concussions each week over its 17-week season. Obviously, the more violent football is, the more fans, owners and camera crew are awestruck by this sports. They all do not realize, however, how this game can cause in players an illness that can reduce not only their quality of life, but also their life span.

Besides Chris Borland, a linebacker drafted by the San Francisco 49ers in the third round of the 2014 NFL Draft, many other professional players retired from the sport early in their career due to concerns over head injuries inherent to the sport. The only sad thing is, they might have retired too late – when serious damage that will eventually lead to serious effects can no longer be reversed.

During the 1993 NFC Championship Game, for instance, Cowboys quarterback Troy Aikman suffered a serious blow to the head which sent him to the hospital that same evening. In 1994, Chicago Bears fullback Merrill Hodge also suffered a blow to the head. This injury did not only make him retire from football; it also left him unable to recognize his close family members, including his wife.”

As mentioned by the Ali Mokaram law firm, “In the opinion of an increasing number of scientists, NFL players are paying the cost of such entertainment with their health and long-term well-being. Once their playing careers have ended, many NFL players find that the physical toll that playing professional football has taken on their bodies makes them unable to live a productive, healthy life. Some of these injuries include physical pain from broken bones and joint injuries, but increasing evidence shows that many professional athletes also have suffered degenerative brain disease from repeated concussions as a result of playing in the league.” In spite of this, players frequently feel forced to perform despite incurring severe head injuries in order to retain their professional careers and fans. This is incredibly dangerous for players as repeated concussions have serious long-term effects on a person’s wellbeing, such as: reduced life span, high medical costs, brain damage, chronic headaches, impaired concentration and memory, and, reduced balance.