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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Four Types of Workers’ Compensation Benefits
What are the Different Types of Workers’ Compensation Benefits?
In the midst of a workplace injury, it is natural to feel overwhelmed. If you or a loved one was injured in a workplace accident, Munley Law Personal Injury Attorneys expresses its deepest sympathies. Recovering from an injury you suffer at work can be a challenging time. Between managing your health, navigating the claims process, and figuring out how to move forward with your employer, the last thing you need to do is waste energy worrying about what your workers’ compensation benefits will cover.
To demystify workers’ comp, we’re breaking down everything you need to know about your benefits. To learn more about when to hire a workers’ compensation lawyer, what types of injuries are most common, and how Munley Law Personal Injury Attorneys can serve you, read on. For more specific recommendations about your case, […]
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Workers’ Compensation Lawyer for Walmart Warehouse Injuries
Workplace injuries are common, especially in warehouse settings with many moving parts. However, when you are injured at work, you may wonder what rights you have. Even more, you may wonder if the size of the company you are employed with will impact the value of your claim.
Munley Law Personal Injury Attorneys is here for warehouse workers seeking a workers’ compensation lawyer.
Potential Dangers in Walmart Warehouses
From moving machinery, forklifts, ladders, toxic chemicals, and slick floors, warehouses are full of potential dangers for employees. These spaces are often busy, no matter the time of day your shift may be.
While companies both large and small owe a duty of care to their employees to maintain safe working conditions, sometimes accidents occur.
In those cases, employees may need to seek a workers’ […]
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Workers’ Compensation Lawyer for TJ Maxx Warehouse Injuries
When a workplace injury occurs, you likely are filled with panic of the prospect of lost wages, unpaid medical bills, and the unknown of when and if you can return to work. For TJ Maxx warehouse employees, the physical demands of the position make them susceptible to workplace injury. However, they may not know who to turn to when an accident occurs.
The Munley Law Personal Injury Attorneys workers’ compensation lawyers are ready to represent TJ Maxx warehouse employees in their workers’ comp claims.
Common Workplace Injuries in TJ Maxx Warehouses
Warehouse employees know that the hustle and bustle of these spaces in and of themselves can be dangerous. From forklifts transporting heavy pallets to loud noises and large machinery, accidents occur even to the most trained employee.
However, as time progresses, technology has taken on many roles in manufacturing, […]
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How Do I Know I’m Covered Under Workers’ Compensation?
Workplace accidents happen, and when they do the last thing an injured worker should have to worry about is whether coverage is in place to compensate him while he recovers.
Pennsylvania’s Workers’ Compensation Act requires employers to provide coverage for nearly all employees regardless of full-time, part-time, or seasonal status. However, volunteers and independent contractors may not be covered.
If you have been injured at work, let the workers’ compensation attorneys at Munley Law Personal Injury Attorneys help you get the most out of your compensation claim. Our workers’ comp lawyers will review your case, help you gather any documents you need, and work tirelessly until you win the compensation you are entitled to.
What is the Workers’ Compensation Act?
Pennsylvania’s Workers’ Compensation Act specifies compensation to workers who are injured in the workplace, […]
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Workers Compensation Lawyer for Sam’s Club Warehouse
Sam’s Club is a chain of warehouse stores that scores profits of $50 billion every year, boasting member-exclusive priced home and lifestyle products. However, due to the immense range of products and the speed with which the staff must work to process large order quantities, accidents amongst employees can happen. Some of these incidents could lead to life-altering injuries that require ongoing medical attention and lowered lifetime earning capacity.
The risk of injury is present for all American warehouse workers. In 2020 alone, there were 213,100 warehouse-related injuries reported in the US. The year prior, the warehouse industry saw the second-highest number of fatal workplace injuries in any industry.
If you’re one of the nation’s 100,000 Sam’s Club employees, you know that the company has faced some profiled injury settlements. As of January 2022, Sam’s Club operates 600 membership warehouse clubs in the United States. […]
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