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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Allentown Workers’ Compensation: Common Injuries
Allentown workers’ compensation and common work injuries
Each year workers in Pennsylvania report between 150,000 and 200,000 workplace injuries and illnesses, with more than 3,000 occurring in Allentown and surrounding Lehigh County. Injured employees face medical treatment bills and lost wages because of their injuries. Fortunately, employers in Pennsylvania and throughout the United States must carry workers’ compensation insurance to provide benefits for injured workers.
Like injuries outside the workplace, some work injuries are more severe than others. Generally, if you suffer an injury that interferes with your ability to do your job, you need to file a worker’s compensation claim. Sometimes employers can put an injured employee on “light duty” and give them different responsibilities they can physically handle. Other times, employees need to have weeks or months away from work to heal from a severe injury. […]
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Workers’ Compensation Death Benefits in Hazleton
Hazleton Workers’ Compensation Lawyers: Death Benefits and Fatal Work Injuries
Despite all the health and safety protocols put in place in Hazleton, work-related fatalities happen. Dealing with the death of a family member after a work-related injury in Hazleton without any financial support can worsen an already dire situation. That’s why Hazleton workers’ compensation attorneys at Munley Law Personal Injury Attorneys understand picking up the broken pieces to rebuild your life without funds can be a daunting if not impossible task. As the family of the deceased, you are entitled to workers’ compensation death benefits to alleviate this financial burden. When you lose a loved one or family member, contact Munley Law Personal Injury Attorneys for a free, confidential consultation about workers’ comp and death benefits.
Looking for a Compassionate Workers’ Compensation Attorney in Hazleton? Contact Munley Law Personal Injury Attorneys
You may feel alone after the death of a loved one due to a work-related injury. […]
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Amazon workers’ attempt at unionization
The workers’ comp lawyers at Munley Law Personal Injury Attorneys examine the attempt at unionization made by Amazon workers
From the summer of 2020, Amazon has been in the middle of a spirited unionization effort from some of the workers at its Bessemer, Alabama warehouse. Through the Retail, Wholesale and Department Store Union (RWDSU) the employees staged protests that have been largely online and through the phone because of the pandemic.
The organizers were hoping these protests would yield the same results that pushed for the unionization of employees in high-profile companies in the U.S. and were hoping for similar results for Amazon’s Alabama warehouse.
As Amazon, Chewy, and other warehouses continue to crop up across the Lehigh Valley and throughout our region, it is worth understanding how unionization efforts unfold for Amazon workers.
The push for unionization: how it all began
The push for unionization started after a small group of workers at the company’s Bessemer Alabama warehouse went to the local branch of the retail workers’ […]
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RV Accidents in Pennsylvania
Summer Travel: RV Accidents in Pennsylvania
RVing is a culture popular with residents of Pennsylvania. Some people acquire RVs for occasional use, such as summer holidays or weekend trips, while others prefer cruising with these vehicles all year long. Sadly, accidents involving RVs often lead to catastrophic injuries, thanks to the vehicles’ enormous sizes and mass. If you are involved in an RV accident in Pennsylvania, an experienced auto accident lawyer can help you determine what to do next.
Although many RV operators are usually careful when cruising with these big machines, some just lack the skills and attention needed to enhance safety. This poses a significant danger to motorists, bystanders, and pedestrians who may end up with serious injuries, permanent damage, or in worst-case scenarios, loss of life.
Our RV accident attorneys are committed to helping residents of Pennsylvania who have been victimized by the poor decision of others obtain fair compensation. […]
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Does Workers’ Compensation Cover Seasonal Workers?
Does Workers’ Compensation Cover Seasonal Workers?
Businesses supplement their staff in peak seasons like summertime and winter holidays by hiring seasonal employees. As the workforce grows, coverage requirements evolve, including workers’ comp seasonal employees’ demands.
The Pennsylvania Minimum Wage Act doesn’t give a clear distinction between full-time, part-time, seasonal, and temporary employees. Some employers provide more benefits to full-time staff than other workers.
So, what happens if you are a short-term employee and you sustain a work-related injury or illness? This post explains how the Pennsylvania Workers’ Compensation Act protects seasonal workers.
Workers’ Compensation Coverage for Seasonal Employees
Pennsylvania worker’s compensation covers nearly all workers, including part-time, temporary, and seasonal employees. Employers like corporations, nonprofits, unincorporated businesses, and even entities with just one employee must provide workers’ compensation coverage.
However, […]
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