Bodily Injury Liability If another person is injured because of your carelessness or the carelessness of someone driving your car, this coverage typically requires your insurance company to pay the claim. The company’s obligation is limited, however, to the amount of coverage you purchased. For example, if your liability amounts…
Most employers at the request of the workers’ compensation insurance company will provide light duty to injured workers. Either the employer or the insurance adjuster may then require the injured worker to return to work. But what type of light-duty is being offered? Prior to returning to work it is…
We have been discussing many different mistakes that can be made during your workers’ compensation claim but what happens when the doctor releases you and says that you are as good as you are going to get? As noted previously, this is called maximum medical improvement. It is at this…
Step 1: Initial Application To be awarded disability benefits, you first have to assert your right to them. You assert your right by filing an application with the Social Security Administration. You can make this application in several ways: In person at your local Social Security office; Over the phone…
1. The insurance company could drag its feet in investigating the injury claim and accepting responsibility. (Typical) 2. The person at fault may not report the accident to their insurance company. 3. The person at fault may not have coverage for the damage that they caused you. If so, you…
In the State of North Carolina the workers’ compensation insurance company or employer generally has the right to direct the medical treatment of the injured worker. If you have been injured and you are out of work receiving weekly benefits from a workers’ compensation insurance company it is very important…
With the Baby Boomer generation aging, the need to place a loved one in a nursing home may be in the near future for some. People aren’t simply going to put a loved one in a nursing home with out doing their research first. A decision like this may be…
Retirement benefits are available to those who have paid enough Social Security taxes (through income withholding) to be fully insured for retirement benefits. If you have worked and paid taxes on your income for a good portion of your life, you will almost certainly qualify for retirement benefits. You are…
Although the insurance adjuster may be correct in telling you that he/she can tell you where to treat, he/she cannot keep you from having a second opinion. In the State of North Carolina if you are directed to treat with a particular physician and that physician subsequently releases you after…
What is considered a disability? DIB: Physical or Mental Impairment that last 12 months or more that prevents you from working a full-time job. SSI: Same as DIB. Read More: What Conditions Automatically Qualify You for Disability? Credit Requirements DIB: Must have paid in enough taxes in to Social Security…
