What is an Insurer?
An Insurer is, “the underwriter or insurance company with whom a contract of insurance is made.” (Black’s Law Dictionary 946. 4th Ed. Rev. 1968). It is important not to confuse the insurer with the insured. The insurer is the party offering insurance, while the insured is the individual who receives insurance (the policyholder). Usually the insurer is an insurance company.
Insurers usually have a pool of policyholders at any given time. Insurers draft policies and agree to terms with policyholders. When a policyholder experiences a loss covered by the policy, they file a claim with the insurer. The insurer reviews the claim and covers the loss if it meets the policy’s terms.
Insurers are subjected to legal obligations. They, like the policyholders, are legally bound by insurance contracts. They are also regulated by government agencies, which serve to make them operate legally and fairly. If an insurer fails to process claims fairly, unreasonably denies claims, or delays payments, it may be acting in bad faith. Policyholders can take legal action against insurers for such practices.
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Reading Factory Worker Injury Lawyer
Reading is the historical home of the famous Reading Railroad, the county seat for Berks County, and one of PA’s biggest cities. Industry is still an economic lynchpin in Reading and the city’s manufacturing employers are among some of the area’s largest. Reading’s versatile workforce is one of the reasons factories choose Reading as their base of operations. And Reading’s factory workers are essential to the success of local factories.
However, factory work is notoriously dangerous. If you or a loved one has been injured or killed while at work at a factory in Reading, West Reading, or anywhere in Berks County, you want to make sure you hire the most experienced, competent Reading factory worker injury attorneys to fight for the financial compensation you deserve. For six decades, Munley Law has been helping injured factory workers throughout Pennsylvania after a terrible accident. Our Reading workers’ compensation lawyers work hard to make sure your rights are protected. […]
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Is Workers’ Compensation for Independent Contractors Available?
When you are an independent contractor you have more flexibility and the potential to earn more than workers who make a straight salary working for a single employer. And while there are obvious benefits, you know from experience that with the flexibility and extra earning capacity that comes with working for yourself, there are added anxieties and responsibilities.
When you work for yourself, you have a lot of freedom but also a lot to think about, prepare for and worry about.
When you work for yourself and you sustain a work-related injury or illness, you may wonder how you can afford your medical bills or how you’ll get paid for missed time from work. Fortunately, if you have Pennsylvania workers’ compensation insurance, those benefits can provide necessary financial support while you recover.
Independent contractors work in every US business sector
According to an article by Business New Daily, […]
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Pittsburgh Workers’ Compensation: Specific Loss Benefits
Disfigurement and Specific Loss Benefits
If you have suffered a catastrophic injury at work resulting in permanent disfigurement, scarring, or loss of the use of a limb or body part, you need to know that you may be entitled to compensation.
The Pennsylvania Workers’ Compensation Act mandates employers carry workers’ compensation insurance. Workers’ compensation benefits cover medical treatment costs incurred due to a work-related injury. Workers’ compensation insurance also provides some financial relief in the form of wage loss benefits for work that is missed due to the injury and recovery.
Specific loss benefits are less common but just as important. If you are a worker in Pittsburgh and you have lost a limb, or another body part, amputation, loss of most of or all of the use of a body part including permanent vision and hearing loss you may be entitled to specific loss payments. […]
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Reading Workers’ Compensation FAQs
What is Workers’ Compensation?
Workers’ compensation is a state-sponsored insurance program that provides compensation for workers suffering injury or illness. Pennsylvania workers’ compensation was mandated in the 1914 Pennsylvania Workers Compensation Act as a safety net for individuals who become injured or sick as a result of job-related duties or conditions. Workers’ compensation benefits exist to pay for medical expenses and lost wages when you suffer a work-related injury, become ill, or aggravate an existing injury or disease while on the job.
All PA employers are obligated by the Commonwealth to carry workers’ compensation insurance for their employees. Most employees are covered by workers’ compensation regardless of their status as part-time or full-time and regardless of their immigration status. Whether you are a full-time, part-time, seasonal, or immigrant worker regardless of your immigration status who was injured or became sick while on the job, […]
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Philadelphia Workers’ Compensation FAQs
Injured workers in Philadelphia have a right to benefits under the workers’ compensation system.
The Philadelphia workers’ compensation attorneys at Munley Law have been serving the residents and workers of Philadelphia for more than 60 years. Munley Law is nationally recognized for our work on behalf of our clients. We are consistently named to the Best Lawyers in America lists. Our attorneys are board certified by the National Board of Trial Advocacy and have obtained millions for our clients who have sustained an injury in the workplace.
We can help you receive the benefits you deserve. Our Philadelphia workers’ compensation law firm understands that the aftermath of a work-related accident can be devastating. Workers’ compensation attorney Caroline Munley is certified as a specialist in the practice of workers’ compensation law by the Pennsylvania Bar Association’s Section on Workers’ Compensation Law as authorized by the Pennsylvania Supreme Court. […]
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