What is Insurance?
Insurance is, “a contract whereby, for a stipulated consideration, one party undertakes to compensate the other for loss on a specified subject by specified perils. The party agreeing to make the compensation is usually called the “insurer” or “underwriter;” the other, the “insured” or “assured;” the agreed consideration, the “premium;” the written contract, a “policy;” the events insured against, “risks” or “perils;” and the subject, right, or interest to be protected, the “insurable interest.” (Black’s Law Dictionary 946. 4th Ed. Rev. 1968)
An insurance policy is a contract in which an individual or entity (the policyholder) pays an insurance company (the insurer) in regular payments in exchange for financial protection over specific risks or losses. For example, medical insurance helps to cover medical costs, such as hospital visits, hospital stays, and medications. Similarly, auto insurance helps to cover damages incurred from car accidents. Insurance payments are known as premiums. Insurance contracts typically limit the amount of costs that an insurance provider may be required to pay.
The McCarran-Ferguson Act (15 U.S.C. § 1011) grants many aspects of insurance regulation to individual state governments. However, federal laws like federal taxes do apply to insurance, and must be acknowledged. Insurance is important to the legal system, as it helps protect individuals, those who cause harm to individuals through negligence, and any third party that is faced with the burden of compensating for an injury.
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Does Filing A Workers’ Compensation Claim Affect Employment?
Worker Compensation Claims and Employment
There are regulations guiding what employers can and cannot ask you when searching for a new job. Worrying about the pain and suffering caused by an on-the-job injury can be stressful. Many employees also worry about how a previous workers’ compensation claim will affect future employment prospects. The reality is that all workers have the right to seek compensation for their injuries. Furthermore, prospective employers should not judge you based on prior injuries or claims made with the workmans’ comp insurance system.
According to the Bureau of Labor Statistics, there were 2.7 million nonfatal injuries and illnesses in private workplaces. While that was a decrease from the previous year, that’s still a significant number of employees who faced hardship due to on-the-job injury. A workers’ compensation claim shouldn’t prevent you from gainful employment or caring for your family in the future. […]
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Will My Employer Pay For An Employee Who Is Out On Workers’ Compensation?
On-the-job injuries affect both you and your family, causing immense pain and suffering while making it difficult to pay your bills. Lost wages, medical bills, and the inability to go to work can cause you and your loved ones all kinds of stress. But while you may be the beneficiary of o0ne of several workers’ compensation programs — according to the U.S. Department of Labor, there are various types of benefits provided to workers injured on the job — you may be wondering whether or not your employer will continue to pay you too.
Employers do not continue to pay their employees while they are receiving workmans’ comp. Instead, injured workers receive periodic or lump-sum payments from a workers’ compensation insurance plan. The plan will usually provide you with a percentage of your paycheck, giving you and your family the ability to pay your bills and live your life while you are unable to work. […]
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Hazleton Workers’ Compensation FAQ
Questions for a Hazleton Workplace Injury Lawyer
Workplace injuries are an unfortunate risk and reality for employees across all sectors. A city like Hazelton in particular poses an immense risk of workplace injury, due to the prevalence of warehouse jobs such as those at Amazon, UPS, Frito-Lay, and more. In a warehouse, the risk of something like a forklift-related injury alone is enough to make anyone nervous.
If you or a loved one has sustained a workplace injury, we are deeply sorry for your trauma. The good news is that. But we’d also like to assure you that there is help to be found, and that you may eligible to receive workers’ compensation. We understand that you, like many others, may be overwhelmed by this complex system and unsure where to start. You may also be nervous about consequences that could come from entering a potential legal battle with your employer. […]
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How Can I Prove My Pain and Suffering?
The effects of an accident, whether it is a car wreck, slip and fall, medical error, or workplace accident, can have lasting effects on the victim. Debilitating physical injuries and emotional trauma can plague the victim for years to come.
Pain and suffering refers to physical discomfort and emotional toll the victim faces after an accident. These “non-economic damages” accompany the victim after an injury and can include physical pain, discomfort, mental anguish, inconveniences, and emotional distress.
Pain and suffering claims tend to be a bit more complicated than a regular injury claim. You will need a team of pain and suffering lawyers behind you in order to prove you are owed compensation for your trouble. This is where the personal injury lawyers at Munley Law Personal Injury Attorneys come in. They have a deep knowledge of Pennsylvania law and insurance policies and will fight for the proper amount of compensation for your pain and suffering following an accident. […]
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Hazleton Warehouse Workers’ Compensation Lawyer
Getting hurt at work is always a possibility, but of course, it’s far more likely at some jobs than others. Unfortunately, warehouse workers are at a high risk of sustaining an injury on the job. With so much equipment and heavy machinery in use at a single location, the odds of an accident inevitably rise. And advances in technology are not necessarily making things safer; in fact, Amazon warehouses in particular boast higher injury rates than most other warehouses of their kind. In 2020, Amazon warehouses in Pennsylvania reported 7.2 serious incidents for every 200,000 hours worked (a length of time that equates to 100 employees working full time for a year). This is nearly double the rate of other companies in the same state.
With all the dangers present in a warehouse, it’s crucial that employees understand their rights to workers compensation. This is especially true for residents of Hazelton, […]
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