Archive for the ‘Legal’ Category

Truck Accidents and Legal Representation

Friday, January 2nd, 2009

Trucking Accidents

Anyone who has ever been involved in an accident with a semi-trailer, tractor trailer, big rig and 18-wheeler and survived experiences the worst kind of mental anguish and often, seriously debilitating, life-threatening injury. These kings of the roads challenge the best judgments and often cause accidents that could have been avoided. These truck accidents occur as a result of a variety of types of negligence: overloading, worn tires or brake system, driver inattention or sleeplessness.

Legal Representation

Because most truck drivers are covered by their employers’ liability and health insurance, or if they are self-employed tractor-trailer over-the-road freelancers, they are likely to maneuver around legal claims levied by their victims. The battery of legal representation their insurance providers can offer them often leaves their victims bewildered and frustrated. The truck driver’s lawyers are experts in this particular aspect of legal representation.

Accident Victim’s and Their Rights

The victim of a trucking accident, particularly a seriously injured victim, requires adequate legal expertise to present their legal claims against the truck driver. Often, due to the seriousness of injuries, the victim of the accident lacks the physical or mental strength to seek out the best possible legal representatives. Adding this task to the difficulties already experienced exacerbates the situation and can aggravate further illness as a result of stress.

Seeking the Best Legal Representation

There are a number of ways to seek legal representation to achieve the best possible results in filing a legal claim. The most important element is experience representing victims of trucking accidents. Not all law firms who specialize in personal injury have the in-depth experience needed to represent victims of trucking accidents. This type of expertise involves scrupulous attention to detail of facts, accident scene and police reports as well as vast knowledge of personal injuries resulting from a trucking accident. To determine the best and most qualified personal injury legal experts with a background in trucking accidents, the American Bar Association is one source for referral as well as others who may have been victims of trucking accidents in the past. However, with the volume of information available online, the task of choosing the best law firm for an individual’s needs is as easy as utilizing a search engine to search for law firms by state, area of expertise and experience.

Experts in Personal Injury From Trucking Accidents

A Minnesota law firm with expertise in accidents caused by a semi-trailer, tractor trailer, big rig or 18-wheeler trucks makes the job of seeking legal representation as simple as typing in the search engine address their website address. The web page should be thorough, concise and offer a wealth of information for anyone who has been injured in a trucking accident. A client should be assured that their legal needs will be met and that proper and adequate compensation is received. Prompt attention to client service is a clear indication of a law firm’s experience and expertise. Review any legal website for reassurance that the law firm makes their clients their top priority. And be sure all contact information is readily available.

The information you obtain from this article is not, nor is it intended to be, legal advice. You should consult an attorney for individual advice regarding your own situation.

A Minneapolis MN truck accident attorney at a local law firm can provide you with an experienced semi trailer accident lawyer in Minnesota.

How to Select a Criminal Defense Attorney

Friday, January 2nd, 2009

When charged with a crime, whether it be drunk driving, driving under the influence, drugs, fraud, assault, domestic violence, or any other charge, choosing the right lawyer for the case can be one of the hardest decisions of the experience. With all the emotions, stress and complications of being charged with a crime, however, it can also be one of the more important decisions. When selecting a lawyer to represent you, issues of ability, price, and experience are all important qualities to consider. Equally important, however, is the attitude that the lawyer and his or her staff have for you and your case.

Criminal defense attorneys come with a variety of areas of expertise. Many attorneys not only handle the routine criminal defense cases, but many also concentrate on one specific area within criminal defense. For example, some may focus on violent crime defense, some may focus on rape defense, and others may have special knowledge of tax law or SEC investigations. Although no area requires that the lawyer be one who concentrates in that area, it can be very beneficial to find one that does have expertise relating to your case. With some cases, however, it can be difficult to find a lawyer that concentrates in that area due to a shortage of lawyers that choose to concentrate in some areas. Finding a lawyer who is willing to put in time to learn about your case and who is genuinely interested in your defense is an acceptable substitute in this situation.

In areas where there are plenty of lawyers to choose from, the choice is not as clear. One must decide if they want someone who has well-established credentials and experience, or someone who is young and will make up for lack of experience with hard and dedicated work. Determine what types of qualities are important to you, and start from there.

No matter which lawyer you choose, it is important to follow a few guidelines before you finalize your selection. Look at what legal organizations the lawyer belongs to. Belonging to the County and State Bar Associations should be a definite requirement. Membership to the National Association of Criminal Defense Lawyers, the State Association of Criminal Defense Lawyers, or to the ABA’s Criminal Justice Section is a good sign that criminal defense cases are important to the lawyer in question. If he or she has held office in any of the organizations that he or she belongs to, that is an even better qualification.

Once you have a few candidates, make arrangements to meet the lawyer to decide if he or she has the skills to handle your case. Having a good relationship with your lawyer is important, so if you do not get along well, chances are the experience will not be a good one. Ask if the lawyer has had teaching experience. This shows that he or she is capable of research, fieldwork, and dedication, all of which are needed for teaching.

In the end, the goal is to find a lawyer that will be handle the case in question. Young attorneys are able to handle misdemeanor and traffic cases, but those with much more experience, at least five years of criminal practice, should handle felony and federal cases.

Being charged with a crime can be a stressful and difficult time, no matter what the situation is. Having a criminal defense lawyer on hand to answer questions and to guide you through the experience can be extremely valuable. Select a lawyer that will be able to focus on your case and give it all the attention that it deserves.

The information you obtain from this article is not, nor is it intended to be, legal advice. You should consult an attorney for individual advice regarding your own situation.

A Minneapolis MN criminal defense attorney at a local law firm can provide you with an experienced criminal defense lawyer in Minnesota.

Choosing Lawyers For Brain Injury Compensation

Tuesday, December 30th, 2008

It is unlikely that you have ever considered what situations you might have to face if your child, brother, sister or a parent were to suffer a catastrophic accident that left them with a severe brain injury, unless you presently find yourself in such an unfortunate situation.

When a brain injury occurs, any combination of effects is possible.

In more extreme cases, a family member who has had a trauma resulting in a brain injury may be unable to feed, clothe or wash themselves unaided; speech and cognitive thought may be impaired. It is also possible that co-ordination and movement could be adversely affected by a brain injury. For example, in some milder cases a family member who has had a trauma resulting in a brain injury may lose the ability to remember what was said or done a few moments previously, or may be unable remember much of their previous life, but may function quite normally in all other respects.

Precisely which effects are experienced will depend on which areas of the brain have suffered injury and damage. Unlike many other body tissues, our nervous system is not able to heal or repair itself very effectively, even with time. Very small improvements and recovery of partial function can be gained as a result of ongoing specialist therapy and treatment for brain injury. However, in the vast majority of cases, a significant degree of recovery from the damage caused by a serious brain injury is unlikely.

However severe a brain injury may be, the time will come when the patient can be brought home, and day-to-day responsibility for care will pass to the family and specialist nursing staff. This means that practical plans must be made to address the realities that face a family member who has had a trauma resulting in a brain injury in the months and years ahead.

A compensation award will fund the ongoing care of a family member who has had a trauma resulting in a brain injury, enabling families to achieve the best possible quality of life in the years ahead for all concerned. This is where specialist advice from a legal firm with considerable experience in handling, managing and executing brain injury claims is essential.

The issues are many and complex and only one compensation award will be made. If the figures or claim procedures used to pursue a compensation case are inadequate to provide lifelong care, there is no opportunity to go back to the courts to ask for further funds at a later date, even if the initial compensation award for brain injury proves to be insufficient. Settlements may take between three and five years to achieve, and in the interim, the brain injured patient will still need specialist equipment, adaptations to homes, therapy and specialist nursing care. A legal firm that specialises in serious brain injury cases will be able to help you, as contrary to widely held beliefs, they will do far more than merely fight your case for you in the courts. A good firm will be able to assist you in finding expert staff as well as helping you to manage the day to day living requirements of a patient with a brain injury.

If you are reading this article because you are experiencing the trauma of a loved one having suffered a brain injury and are seeking further information, visit the website of any prospective serious law firm to check that they specialise in serious injury compensation cases, and have successful track record in dealing with brain injury cases. Brain injury does not have to be a life sentence for the whole family.

Neil Glover -
Serious injury lawyers with unrivalled expertise. Specialist services for spinal injury, brain injury, head and amputation clients from the UK’s leading specialised injury law practice.
ng@seriouslaw.co.uk
0800 61 66 81

Securing Compensation For Brain Injury

Tuesday, December 30th, 2008

If you are reading this review because one of your relatives or friends has recently suffered a catastrophic brain injury, you or may be facing a wide range of conflicting emotions and extraordinary distress as you come to terms with the consequences of such a serious accident.

The problems that a brain injury can present are wide ranging. In its most extreme form, a loved one who has experienced a brain injury may be in a coma or a persistent vegetative state; this is where the brain injury victim is unable to regain consciousness and activity in the brain is low. In these circumstances, a continued stay in hospital or a nursing home is usually the only option available. However, these cases are rare and more frequently the victim of a brain injury will recover consciousness and will be able to be discharged from hospital to return home. However, they may be seriously affected by the brain injury and may be completely unable to care for themselves.

However, not all brain injury will produce such severe symptoms. There are also milder cases of brain injury where, for example, a loved one may lose the ability to remember what was said a few moments previously, but function quite normally in all other respects. Care will still be required, but to a lesser extent.

Unfortunately, it is impossible to accurately predict the extent and consequences of a brain injury resulting from a head trauma in the early stages following an accident; in many cases, the full effects will only become apparent with time. Perhaps the hardest fact to come to terms with is that the chances of a full recovery from a brain injury are slight. Unlike many other body tissues, our nervous system is not able to repair itself very effectively, even with time. This means that the effects of a brain injury must be considered to be permanent.

Should you find yourself in a position where one of your relatives or friends have suffered a serious brain injury, the time will come when your loved one can be brought home, and day-to-day responsibility for care will pass to you and specialist nursing and care staff. This means that practical plans must be made to care for a loved one who has experienced a brain injury as rapidly as possible for the months and years ahead, and this is where specialist advice from a legal firm with considerable experience in handling, managing and executing brain injury claims is essential.

After diagnosis of a brain injury, the most important step a family can take is to ensure adequate compensation awards are sought from the relevant insurers. The considerations that must be made in cases of brain injury are many and complex and only one compensation award will be made. If the sum awarded as compensation for the brain injury proves to be inadequate to provide lifelong care, there is no opportunity to go back to the courts to ask for further funds at a later date. Furthermore, you will need financial and practical assistance both before and after the brain injury compensation case has been heard; when a final settlement may take up to five years to achieve, this is an important consideration to bear in mind when selecting your legal firm.

A legal practice that specialises in serious brain injury compensation cases will do far more than merely fight your case for you in the courts. A good firm will be able to assist you in finding expert staff as well as helping you to manage the day to day living requirements of a patient with a brain injury. Further, firms that speicialse in serious injury law are likely to have a wide range of managed care solutions that are offered to their clients, free of charge, and for the lifetime of their brain injury client.

Having to cope with a loved one who has experienced a brain injury is difficult for any family; it is therefore essential that you and your family receive the full support that you will need in the months and years ahead. For this reason, it is essential that you choose your legal firm wisely.

Neil Glover -
Serious injury lawyers with unrivalled expertise. Specialist services for spinal injury, brain injury, head and amputation clients from the UK’s leading specialised injury law practice.
ng@seriouslaw.co.uk
0800 61 66 81

Spinal Injury: Finding a Solicitor

Tuesday, December 30th, 2008

If someone dear to you has experienced a recent accident that involves a spinal injury, with the right help and technological assistance it will still be possible for them to lead a full and varied life.

Whilst lifelong therapy and assistance will be needed by individuals with a spinal injury, loved ones can now look forward to life with a large degree of independent living. This is true even where the use of arms, legs and even the power of speech have been lost.

So what has changed in recent years to make independent living possible for people with the most serious forms of spinal injury? Computerised technologies have been developed over past decades to assist individuals with a spinal injury or a severe disability. Patients with a severe spinal injury that has affected speech can now speak through the use of a voice synthesiser; simple eye movements can be used for computer control of doors, windows, lights, heating and other household appliances. All in all, these technological developments mean that individuals with a spinal injury can lead a full and rewarding life.

However, the technologies that offer loved ones with a spinal injury the ability to live with a degree of independence do not come cheaply. Fortunately, in the case of accidental spinal injury, nearly all cases will be covered by some form of insurance against which a compensation claim can be made. This compensation claim must cover the ongoing costs of care, equipment, adaptation of homes or provision of a living space suitable for a wheelchair and is sufficient to last for the natural life of the person with a spinal injury. So where do you start?

Finding a solicitor for your spinal injury compensation case

Fortunately, you don’t have to go through the process of finding care and support for a loved one entirely on your own. There are many charities that can offer some advice and guidance, but expert practical help can also come from an unexpected quarter; the legal firm you select to represent your loved one’s spinal injury compensation case. However, selecting the right lawyer is the most important first step to take. It is important to understand that once a settlement has been made, a spinal injury compensation case cannot return to the courts to seek additional funds at a later date.

The solicitors you select should have an expert knowledge and experience of what care, equipment and other items will be needed for assisted living during the course of a spinal injury victim’s natural life. Ask to see case histories of past clients with injuries similar to your family member, and check to see how much money was awarded. If possible compare this to other firms that you may be considering.

When you have satisfied yourself that your prospective solicitors are suitably experienced in pursuing a spinal injury compensation case, you should also ask what services are offered by the legal firm to assist you in caring for a loved one with a spinal injury whilst your claim is settled. Questions might include:-

- Is a Case Manager appointed so that you can always speak to the same people and especially someone who is familiar with your case?

- Will your solicitor help you find the specialist care teams and equipment your family will need?

- Are these teams likely to be experienced in dealing with assisted living for someone with a spinal injury?

- Will the firm help you deal with any issues or unforeseen requirements that may arise over the course of the claim?

- Will this assistance extend to the years after your award has been made?

- Are these services to support a spinal injury victim provided free of charge?

Interim awards for spinal injury can be sought from insurers to help your family with any immediate requirements while the compensation case is being prepared and heard, so that your loved one can be brought home as quickly as possible.

If at any time you are unhappy with the service you are receiving you can always change your legal firm; you are not obliged to remain with the firm you have selected at the outset. However, choosing your legal representation carefully can save you time and needless heartache whilst your loved one and your family are adapting to life with a serious spinal injury.

Neil Glover - Serious injury lawyers with unrivalled expertise. Specialist services for spinal injury, brain injury, head and amputation clients from the UK’s leading specialised injury law practice. ng@seriouslaw.co.uk 0800 61 66 81

Personal Injury – Are You Aware of UK Accident & Injury Laws?

Tuesday, December 30th, 2008

During the past decade, personal injury claims have become increasingly common. If you turn on your television during the daytime you can guarantee that you will see adverts by accident claim management companies encouraging you to get in touch with them in order to make a personal injury claim and, if you are successful, to claim compensation as a result. There are many reasons for this, and it is not simply a case of more personal injuries occurring. Instead, the public now have a greater awareness of the issue, thanks to the consistent coverage it is given in various areas of the media.

But of what interest is this to somebody who has not suffered personal injury? Well, the answer is again one of awareness of the issue. For example, someone who suffers personal injury and has an idea as to what constitutes a valid claim will be quicker to act on it, which would cause much less fuss, disturbance and distress than someone who suffers personal injury but is unaware that they are eligible for compensation.

There are many ways in which someone can suffer personal injury. It could be the result of a road traffic incident, accident at work or in a public place, or other accidental injury. Furthermore, if you have suffered personal injury, you may be eligible for compensation. Even if you are not sure whether or not you have a valid claim, the best law firms will offer all initial consultations free of charge and without obligation. Most law firms also provide a No Win No Fee service if they feel your case has a realistic chance of success and that you always keep 100% of the compensation. This will help clarify the options available and can put your mind at ease.

There are simple ways in which you yourself can be aware of in the event that you are unfortunate enough to suffer a personal injury. In a road accident, for example, the extent of your injury would not necessarily be a deciding factor. Whether it is a relatively minor injury such as bruising though to whiplash or a more serious injury, one of the most important elements in regards to a claim is that you deem the accident to be someone else’s fault.

This is, indeed, an important element in all aspects of claims that you may need to be aware of. If you have an accident at work, then work accident compensation is recoverable provided it can be proved that someone is at fault – be it your employer, a fellow employee or another organisation or contractor working at your place at work. This question of responsibility is also relevant to claims regarding accidents in a public area. Anyone who is responsible for running, managing or maintaining a public area such as a shop, sports facility, office, public building, playground, park, pavement or road has a legal obligation to make that place safe from accident and injury.

Similarly, there is question of responsibility when it comes to making a claim concerning industrial disease for example. If you were to get an industrial disease that is directly attributable to your conditions of employment then you may want to get advice on making a claim. Industrial diseases range from asbestos related diseases to vibration white finger and mining related illnesses.

One of the other most common reasons for a claim can involve slipping, tripping or falling through negligence on the part of someone else. Slips and trips are often trivialised but a high proportion of them result in serious injury such as broken bones. Claims can come about for a variety of reasons and the main ones you need to be aware of include: tripping on a defective pavement, slipping on a wet floor in a shop, school, hospital or other public place, driving or riding over a pothole, becoming injured in a playground or sports facility, and slipping on fuel in a garage forecourt.

Above all, the lesson to be learnt when it comes to personal injury is that it pays to be aware of the law.

This article is free to republish provided the authors resource box below remains intact.

Alison Carter is an experienced solicitor at Martin Kaye providing legal services for Accident Claims in Shropshire and are specialist Personal Injury Solicitors Shropshire. MK offer No Win No Fee services for Accident & Injury Claims.

Good Will Hunting - The Importance of Planning Your Estate Through a Will

Monday, December 29th, 2008

Writing a will is one of the most important financial and personal decisions that someone can make in their lifetime, and yet, despite campaigns by the Law Society and the Government to convince us of the need to write a will, more than half the people who die each year do so without leaving a will.

Dying intestate, which is the term for dying without leaving a will, means that your estate will not necessarily pass on to those of your dependants and loved ones who you would otherwise wish to benefit. Intestacy Rules are statutory rules which govern the distribution of assets when a person dies intestate and sets limits on the amounts which can be transferred outright. The Intestacy Rules, however, generally only deal with civil partnerships, married couples, and the children from such civil partnerships and marriages. They do not otherwise deal with co-habitating couples. In recent years the number of married couples has fallen by a third and this trend is continuing with the effect that more people will need to deal with the distribution of their estates by making a will.

We can trace the importance of this by looking back at the most significant rulings in the area throughout the past decade. Indeed, with this background, it is surprising that the Chancellor announced new rules in the Budget to clamp down on trust funds passing under wills. In 2003, HMRC stated its intention “to create a level playing field” between assets held on trust and assets held personally by individuals and stated that “the Government recognises the important role that trusts play in society”.

The March 2006 Budget affects two main types of trusts – Accumulation & Maintenance Trusts and Interest in Possession Trusts. The former are often set up by parents or grandparents who want to give away assets during their lifetime or when they die, but who want the trustees to retain control of the money for a certain period – usually until the beneficiaries reach the age of 25. Following the Budget announcement, these trusts must be re-written to provide for assets to pass absolutely at 18, failing which the trust will be taxed at 6% every 10 years on the value of the asset over the Inheritance Tax (IHT) threshold, currently £285,000.00. Interest in Possession Trusts are often set up where say a husband wishes to provide his wife with an income on his death and for the capital to pass to the children on her death. The Budget will now provide for any assets over the IHT threshold to be taxed at 40% when the asset passes into the trust plus 6% every 10 years – unless you rewrite your will.

The Budget also caused confusion amongst professionals and insurers as to the effects on pensions of Section 172 of the Finance Act. This section imposes penalty charges of 55% and the possibility of the pension being de-registered for making, what are termed as “unauthorised payments”. Prior to the Budget, lump sum payments on death where death occurs prior to retirement age and are paid through a trust at the discretion of the trustees are treated as falling outside a saver’s estate and so are not liable to 40% IHT. After much objection, the Government has revised its announcement and has declared that existing life policies in trust will remain unaffected but that new policies will be affected.

The Association of Chartered Accountants estimates that over 1 million people will now need to review their wills following the Chancellor’s announcement. The Treasury does not appear to appreciate the enormous task ahead for the public and their advisors to review their existing wills and re-arrange their affairs. It believes that the new rules should not present a problem because a will can be re-written by Deed of Variation even up to 2 years after death to reinstate an IHT exemption. The Government does not seem to appreciate the difficulties and expenses of rewriting wills after death and the conditions that have to be met which are highly technical. In addition, many people who have written in a simple trust may not have given trustees enough power to change the will. Indeed the consent of all the beneficiaries is required even if the required power for trustees exists. This will become impossible where all the beneficiaries do not agree or where the consent of some or all of the beneficiaries cannot be given because they are minors.

Writing a will is the first step to be taken to avoid or reduce the effects of Inheritance Tax. If you are concerned about this, then legal advice is certainly the best way to confirm your position in relation to the effects of Inheritance Tax.

This article is free to republish provided the authors resource box below remains intact.

Roberto Germain is a London Lawyer specialising in wills, probate & trust matters since 1985 at London & Brighton Law Firm Healys Solicitors.

Truth Or Myth - The Legalities Of Cash Gifting

Monday, December 29th, 2008

This article is a no nonsense approach to learning the truth about Cash Gifting programs and disposing of the “myth’s”. I’ve been hearing all kinds of crazy stories and getting calls from people wanting to know the truth behind these programs, so I decided to investigate. I’m sharing the surprising TRUTH about Cash Gifting programs to assist others in getting the FACTS, not the hype and half truths other marketers WON’T tell you and don’t want you to know. Let me define it for you first so we are all on the same page, then I’ll break it down in layman’s terms for you to understand: Cash Gifting can be defined as: The act of privately or publicly giving another person or entity a declared sum of cash, (as a gift) and giving it freely without coerce or consideration.

There are quite a few cash gifting systems out there, but the most legitimate ones will require documentation provided by that cash gifting program, it will be done in a way where the inviter has to actually speak to the invitee at some point, and it will have typically been in existence for a solid length of time. Cash gifting systems that are based on honesty and integrity use what is known as the EZ1Up program. Documentation must be involved and the appropriate tax codes must be followed. The REALITY is: If structured properly, the 1-up gifting programs are legal. Since Cash Gifting is a private activity and NOT A BUSINESS, there doesn’t have to be a product. The United States IRS Tax Code, Section 26 defines explicitly the taxation responsibilities that apply to cash gifting programs.

The IRS Tax Code gives us the rules involved with gifting. Please visit http://www.irs.gov/pub/irs-pdf/p950.pdf?source=ttcom4home1. In essence, you can receive up to $11,000 from any number of individuals without any taxation implications. In excess of $11,000, you are required to report the monies received as income and pay a regular income tax on them. It’s legal and lawful for one person to give a gift to another person with no tax liability on either party if the gift does not exceed $12,000 in any calendar year. For gifts over 12,000, the GIFTER is required to file a Gift Tax Return and MAY also be liable to pay Gift Tax. The Constitution gives us the right to do it and The IRS Tax Code tells us how to do it. The IRS does in fact allow cash gifting as a way of reducing the tax burden on your estate, but Tax Code Title 26, Sections 2501-2504 and 2511 makes it completely clear that in order to qualify as a gift, the money you give to someone else must be given with absolutely no expectation of a return. If you want to give more than $12,000 to someone (or more than $24,000 to a married couple), the IRS requires you to file Form 709, and you MAY be liable to pay Gift Tax on any amount over the allowed figure. No one who receives cash as a gift is ever required to pay taxes on it.

In the US, the Legal foundation is based on two well known documents: the IRS Tax Code and the Gift Tax Law. In researching gifting programs, the illegality lies in how the program is structured. ○ If the structure involves a central collection and distribution point, it can be deemed illegal. ○ If distributions are paid out of a pool and depend on new contributions to fulfill promises, then the activity may be deemed illegal. ○ If promises of guaranteed returns are made or insinuated, it can be deemed illegal. ○ If the activity is referred to and promoted as an investment or a business, it can be deemed illegal. Nothing in the Tax Code makes the giving of gifts of any amount legal or illegal. Show me the legal code where it states that it is illegal for me as a private citizen to send my property (be it cash, software, books, furniture, clothing or any other property) to another private and free individual of my choosing for any reason. It’s more scary to me to think that some people in our free world actually believe that giving your property to others SHOULD be illegal.

It is of the utmost importance to understand gifting is strictly between the giver and the receiver, but structured levels are created in these activities to facilitate the integrity of the activity and to make them sustainable, simple and easy to understand. This is a lot different than any other work at home opportunity you have came across, because cash gifting really is on an island by itself. Understand this and repeat it over and over again, cash gifting is not something that can be left alone and expected to work. You may find some of this information that I write a little surprising and less hyped up than that of some of the other articles or ads, but I strongly believe that being 100% truthful is more powerful than telling you I make $100k per month and that you will too. Any home based opportunity needs a proper plan of operation to be a success, even a Cash Gifting program. I’ve realized that helping people is very rewarding, and the laws of attraction are in our favor when you are constantly giving. As with anything else in this life, you get out of it what you put into it. If you put nothing in, you get nothing back, so don’t start screaming “SCAM” if you haven’t done a darn thing to help it along.

Do yourself a favor, get the FACTS and the TRUTH, visit http://www.leaderofprosperity.com, you’ll get EXACTLY what is outlined by the IRS Tax Code and the Gift Tax Law!

Overcoming the Limited Tort Threshold For Pennsylvania Auto Accident Victims

Sunday, December 28th, 2008

If you have been injured in a car accident in Pennsylvania, your rights, especially the right to sue, are governed by the Pennsylvania Motor Vehicle Financial Responsibility Law, or “MVFRL.” The MVFRL outlines each person’s rights and, depending upon the type of insurance you have, whether you are entitled to recover damages for pain and suffering.

Most importantly, for people injured in an auto accident in Pennsylvania, the key issue whether your claim is subject to the “full tort” or “limited tort” threshold under the MVFRL, 75 Pa.C.S.A. Section 1705. In this article, I will outline the differences between the two types of coverage and why it is so important for you to have full tort coverage.

Simply put, with full tort coverage, an auto accident victim is entitled to be compensated for pain snd suffering, excess medical bills and any other losses arising from the accident, regardless of how serious the injuries are (of course, they still have to prove that the other driver was negligent, that is, responsible for the victim’s injuries). On the other hand, persons subject to the limited tort threshold have to prove that they suffered a “serious injury” in order to receive compensation.

Of note, when you purchase “limited tort” coverage, you only save about ten percent on the cost of your insurance. In exchange for saving about 10 percent on your insurance bill, you give up your right to sue for pain and suffering unless you have suffered a “serious injury.”

There are exceptions that automatically “convert” limited tort coverage to full tort coverage under the MVFRL, including:

* The other driver is convicted of (1) driving under the influence of alcohol, or (2) a controlled substance, or (3) accepts ARD, a program generally applicable only to first-time offenders;

* The other driver committed an intentional act that caused the injuries;

* The other driver was operating a vehicle registered in a state other than Pennsylvania;

*T he other driver had no insurance.

The Pennsylvania courts, including the Pennsylvania Supreme Court, have considered what a “serious injury” is many times and apply its definition narrowly. The MVFRL defines a “serious injury” as a “Personal injury resulting in death, serious impairment of body function or permanent serious disfigurement.” Although this definition sounds fairly broad, Pennsylvania Courts have consistently ruled that a “serious injury” means a VERY serious injury. In other words, what are often called whiplash injuries that heal in a few months are not generally “serious injuries,” and persons who suffer those injuries essentially give up their right to sue for pain and suffering when they purchase “limited tort” coverage.

As a result, it is obviously best if you have full tort coverage. If you do not, then you and your attorney should analyze how to prove that you suffered a serious injury. In most cases, this means documenting how the injuries changed your life following the accident. Keep a diary, keep notes, take photos, do whatever you have to do show how your injuries prevented you from doing the things you usually did, and the limitations were serious, not trivial.

Injuries from car accidents often effect people for the rest of their lives. Even what seems to be a relatively minor back or neck injury can be far worse if it causes chronic pain and discomfort. If you have been injured in a car accident, you need to be sure that you can overcome the limited tort threshold by showing why your injuries are different and more serious than the ones suffered by others whose claims were barred by the limited tort threshold.

Philadelphia workers’ compensation/personal injury attorney Robert Waldman has fought for the rights of injured persons for 30 years, and concentrates his practice in workers’ compensation, auto accident and other personal injury matters. His office is at 1800 John F. Kennedy Blvd., Suite 1500, Phila., PA 19103. Email Attorney Robert S. Waldman or Visit Attorney Waldman’s website.

A Summary of Recent Pennsylvania Workers’ Compensation Appellate Court Decisions (December 2008)

Sunday, December 28th, 2008

Pennsylvania Workers’ Compensation Appellate Decisions (All Commonwealth Court Cases Unless Noted)

I.Appellate Procedure — Remand

Repash v. Workers’ Compensation Appeal Board (City of Philadelphia), 114 C.D. 2008 (November 10, 2008)

Holding: The Workers’ Compensation Appeal Board errs when it ignores a Workers’ Compensation Judge’s finding that a claimant was entitled to the firefighter’s presumption under Section 108(o) of the Act and that, consequently, his heart disease disabled him from firefighting.

II.Compromise & Release Agreements — Enforceability

Crawford v. Workers’ Compensation Appeal Board (Centerville Clinics, Inc.), 2231 C.D. 2007 (October 10, 2008).

Holding: When a Compromise & Release Agreement contains a certification from the claimant that she is suffering from no known life-threatening or terminal illness(es) unrelated to her work injury and agrees that the C&R is null and void upon her death if not approved by a judge, the C&R was in fact null and void because the Claimant died one day before the Judge approved it.

III.Evidence — Presumptions

Allegheny Power Service Corp. v. Workers’ Compensation Appeal Board (Cockroft), 242 C.D. 2007 (July 22, 2008)

Holding: In a decision that seems destined to reach the Pennsylvania Supreme Court, the Commonwealth Court has ruled that, under Section 306(c)(23) of the Act, there is a presumption of total disability for workers with certain bilateral losses, requiring appropriate compensation without regard to a claimant’s earning power. Because the employer in this case stipulated that the claimant suffered such a severe bilateral loss and the WCJ found that the claimant remained totally disabled under Section 306(c)(23), the employer was obligated to pay total disability benefits.

IV.Concurrent Benefits

YDC New Castle-PA DPW v. Workers’ Compensation Appeal Board (Hedland), 230 C.D. 2008 (June 11, 2008)

Holding: A claimant who receives benefits under 61 ?? 951-952 (Act 534) is also entitled to benefits under the Workers’ Compensation Act that were not paid under Act 534. Thus, a claimant is entitled to benefits for the first two days that his injury kept him out of work, despite failing to provide the employer with documentation of a medical examination on the first day of his absence as required by employer’s policy, where concerns about potential abuse of employer’s policies were not present under the circumstances.

V.Defenses — Violation of Work Order

A.Scott v. Workers’ Compensation Appeal Board (Ames True Temper Inc.), 647 C.D. 2008 (September 29, 2008)

Holding: The defense that a claimant violated a word order does not apply if the activity was part of the workers’ job duties. Thus, an injured worker who engaged in an activity that was part of his work duties, even though the activity in direct violation of a positive work order, is entitled to benefits.

B.Bayada Nurses v. Workers’ Compensation Appeal Board (Gallagher), 123 C.D. 2008 (July 29, 2008)

Holding: Minor violations of the law, such as traffic violations, are not a sufficient basis to deny benefits because of a violation of the law. Rather, the phrase, “violation of the law,” has been interpreted to mean the commission of a felony or misdemeanor. Although a summary offense may constitute a violation of the law when it is a necessary element of a felony or misdemeanor conviction, where a Claimant was cited for several summary offenses, the evidence did not establish a “violation of law” under Section 301(a) of the Act.

VI.Disfigurement

A.Dart Container v. Workers’ Compensation Appeal Board (Lien), 550 C.D. 2008 (October 23, 2008)

Holding: The Workers’ Compensation Appeal Board may modify a disfigurement award if the modification is explained and consistent with case law.

B.City of Pittsburgh v. Workers’ Compensation Appeal Board (McFarren), 1701 C.D. 2007 (June 4, 2008)

Holding: The Workers’ Compensation Appeal Board may modify a Workers’ Compensation Judge’s disfigurement award only if it concludes that the WCJ capriciously disregarded competently evidence by entering an award significantly outside the range of benefits most WCJs would select for a particular scar. In so doing, and to allow for meaningful appellate review, the Board must adequately explain its change in the award, including what range is acceptable under the circumstances, what most WCJs would award within that range or how the WCAB reached its conclusion that most WCJs would award greater compensation.

VII.Evidence

A.Erisco Industries, Inc. v. Workers’ Compensation Appeal Board (Luvine), 657 C.D. 2008 (September 3, 2008)

Holding: An employer’s failure to independently establish the required chain of custody for a worker’s drug test sample in a Claim Petition precludes the employer from using the same drug test as proof in a subsequent suspension petition that the claimant’s pre-injury job was unavailable because of his own misconduct.

B.Patton v. Workers’ Compensation Appeal Board (Lane Enterprises, Inc.), 2363 C.D. 2007 (October 22, 2008)

Holding: An employer may overcome the presumption that a worker suffered from a work-related occupational disease under Section 301(e) of the Workers’ Compensation Act, 77 P.S. ?413, by presenting credible medical evidence that the Decedent did not suffer from an occupational disease.

C.Campbell v. Workers’ Compensation Appeal Board, 38 C.D. 2008 (July 29, 2008).

Holding: A Workers’ Compensation Judge may reject a medical expert’s testimony for failure to credibly establish causation even if the Judge concludes that the opinions themselves are credible.

VIII.Fee Review

Crozer Chester Medical Center v. Dept. of Labor and Industry, 251 M.D. 2008 (September 3, 2008)

When an employer/insurer disputes its liability for an alleged work injury, an application for fee review is premature and inappropriate. What makes this case unusual is the fact that the employer had issued a Medical Only Notice of Compensation Payable that appeared to encompass the treatment under review. The Court agreed that the dispute precluded the Bureau from hearing the fee review petition.

IX.Impairment Ratings — Modification of Benefits

A.Combine v. Workers’ Compensation Appeal Board (National Fuel Gas Distribution Corporation), 539 C.D. 2008 (August 14, 2008)

Holding: Section 306(a2) of the Workers’ Compensation Act requires a determination of maximum medical improvement (MMI) prior to calculating a claimant’s impairment rating.

X.Judgments

United Parcel Service v. Hohider, 2008 PA Super 148 (July 7, 2008)

Holding: An employer may enter a judgment in the Court of Common Pleas based upon a WCJ’s Order directing payment by an employee to an employer of a liquidated sum in satisfaction of the employer’s right to subrogation. The Court notes that, although Section 428 of the Act, 77 P.S. ? 921, permits only employees or dependents to enter a judgment in a court of common pleas as a result of an unpaid Order by a WCJ, precluding an employer from doing so would render the WCJ’s order a nullity.

XI.Medical Expenses

Nickel v. Workers’ Compensation Appeal Board (Agway Agronomy), 719 C.D. 2008 (October 22, 2008)

Holding: A healthcare provider may not collect the difference between the provider’s charge (as repriced under Act 44) and the amount of a DPW lien from an employer or its workers’ compensation if the provider has accepted DPW’s payment as payment in full.

XII.Modification/Suspension/Termination

A.Folmer v. Workers’ Compensation Appeal Board (Swift Transportation), 596 C.D. 2007 (October 22, 2008)

Holding: When there have been prior petitions to modify or terminate benefits, an employer must accept the adjudicated condition and establish a change in physical condition into to prove that claimant has recovered from a work-related injury. Although the evidence needed to establish a change of condition would differ in each case, an employee may meet its burden by proving that the claimant’s symptoms lacked any objective basis.

B.National Fiberstock Corp. (Greater N.Y. Mutual Life Insurance Co.) v. Workers’ Compensation Appeal Board (Grahl), 1456 C.D. 2007 (August 29, 2008)

Holding: When a claimant establishes a change in physical condition, the doctrine of res judicata does not prevent an employee from seeking a reinstatement of benefits, even if a termination petition had been granted previously.

C.Watson v. Workers’ Compensation Appeal Board (Special People in Northeast and Eagle Trust Management), 1924 C.D. 2007 (May 30, 2008)

Holding 1: A Workers’ Compensation Judge may terminate benefits in a claim petition, even when no termination petition is filed, when the claimant fails to establish the ongoing nature of his or her injury.

Holding 2: A claimant is not entitled to an award of litigation costs when the employer admitted its obligation to pay medical expenses, but disputed its obligation to pay indemnity benefits, and the WCJ declined to award any wage losses. Under the circumstances, the claimant did not prevail on any disputed issue before the WCJ, and is not entitled to an award of costs.

D.Paul v. Workers’ Compensation Appeal Board (Integrated Health Services), 16 C.D. 2008 (June 11, 2008)

Holding: Where there has been no prior determination of a claimant’s condition by a WCJ, an employer meets its burden in a termination petition when it presents evidence that the claimant had fully recovered from all of the accepted work injuries. The Court distinguishes this case from Lewis v. Workers’ Compensation Appeal Board (Giles & Ransome, Inc.), 919 A.2d 922 (2007), noting that the injuries and disabilities at issue had been the subject of prior proceedings.

E.Prebish v. Workers’ Compensation Appeal Board (DPW/Western Center.), 319 C.D. 2007 (July 14, 2008)

Holding: In order to terminate a Claimant’s benefits, a WCJ must consider whether Claimant’s physical condition has changed materially since the date of the most recent prior decision. In this case, the Court remanded the case in order for the (second or subsequent) WCJ to make a factual finding whether claimant’s condition had changed after the date of the first (or most recent prior) decision by a WCJ.

XIII.Notice

A.Bullen Cos. v. Workers’ Compensation Appeal Board (Hausmann), 409 C.D. 2008 (October 23, 2008)

Holding: Pursuant to Section 301(c)(1) of the Workers’ Compensation Act, 77 P.S. ?411(1), a worker must give notice of an occupational disease claim within 120 days from the date on which the worker discovers that the disease is job-related. Under Section 311, a claimant’s discovery of a work related disease requires more than an employee’s suspicion, intuition or belief.

B.Crompton Corporation v. Workers’ Compensation Appeal Board (King), 2142 C.D. 2007 (August 5, 2008)

Holding: A Claimant may not be charged with the knowledge of a compensable hearing loss unless and until the claimant is so informed by a health care provider. Section 306(c)(8)(ix) of the Workers Compensation Act is not intended for determining whether Section 311 notice requirements were satisfied.

XIV.Offsets

A.Costa v. Workers’ Compensation Appeal Board (Carlisle Corp.), 822 C.D. 2008 (October 14, 2008)

Holding: Under Section 204(a) of the Workers’ Compensation Act, a Workers Compensation Judge must award an offset for unemployment compensation benefits when the amount is undisputed, whether the employer raises the issue or not.

XV.Subrogation

A.Stout v. Workers’ Compensation Appeal Board (Pennsbury Excavating, Inc.), 1969 C.D. 2007 (May 22, 2008)

Holding: An employer has an absolute right of subrogation from a claimant’s third party recovery when the claimant received compensation payments from the employer’s insurer, which accepted liability for the work injury. The Court declined to rule that, under the facts presented, the employer and its workers’ compensation insurer engaged in deliberate bad faith conduct in order to subvert the claimant’s third party action, potentially barring its right to subrogation.

B.Gorman v. Workers’ Compensation Appeal Board (Kirkwood Construction), 1926 C.D. 2007 (July 9, 2008)

Holding: An employer is entitled to payment of its subrogation lien even though the parties had entered into a Compromise and Release Agreement (C&R), which stated that there was no lien or potential lien for subrogation. In particular, the WCJ found no evidence that a potential third party action was considered by the parties when they negotiated the C&R, and determined that the parties were mistaken in the relevant subrogation lien averment. Consequently, the WCJ set aside the C&R based upon a mutual mistake.

Daniel J. Siegel, a Havertown, Pa. attorney, founded Integrated Technology Services. To contact Dan Siegel go to Daniel J. Siegel.com or email Subscribe. Dan Siegel?s office is located at 66 West Eagle Road, Suite 1, Havertown, PA 19083. He can be reached at (610) 446-3457.