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Having insurance can save you a lot of expenses. Whether it’s due to car accidents, hospitalization, and others, an insurance premium can save you from out-of-the-pocket expenses which could prove costly on your part. However, all of that could change with a denial of insurance claims. According to Abel Law Firm, it could be frustrating on your part if the financial assistance you are expecting will not arrive.
When this happens, you will find yourself looking for answers on why your insurance claim was denied. There could be several reasons behind it. In this article, we shall look at the common causes for the denial of insurance claims:
1. Material Misrepresentation
The most common cause for your insurance claim getting denied is failure to provide the most current address and other changes in your information. While this may seem irrelevant in so far as changing your policy rate, your lack of due diligence could result to payment of incorrect rates and you could also be committing a certain kind of fraud.
2. False and Fraudulent Claims
Insurance policies are designed to provide protection but other use it as a way to profit. Rejection of your insurance claim may have been due to falsified information in order to get something extra than what you should be getting. The worst part is that not only will your insurance claim be denied but you could also face serious legal implications. Also, you may become blacklisted and you may not be able to get a policy in the future.
3. Unlawful Acts
If your insurance claim is related to irresponsible acts such as drinking and driving, stunt driving, driving without a license, and other unlawful acts, it is likely that your insurance claim will be denied.
4. Your Claim Is Not Covered By The Provider
Depending on the claim, some insurance companies may not provide coverage for what is being claimed. For instance, some providers do not cover accidental death. So be sure to know your coverage before purchasing a policy.
Assisted living, according to SeniorAdvice.com, is where the elder is given the help of a staff in achieving their daily needs and activities. Those activities, as said on , may be as simple as eating or as complicated as bathing. Most families in the United States think of sending their elderly loved ones to assisted living facilities when they are no longer capable of helping them or when the elders are having difficulties in performing their everyday tasks. Before deciding on which senior residence to choose, it is important to learn more about the subject.
The elder and the family members should examine themselves and the situation, first and foremost, before proceeding with the next steps. Asking questions like what options are out there or whether the family can afford the desired assisted living setup are imperative in decision-making. Secondly, the three main issues that should be factored in the decision are the quality of life, the standard of provided care, and the cost and value of the services. It is good to make sure the Assisted Living home is a member of regional professional organizations that provide some oversight, such as the Nevada Health Care Asssociation.
Ensuring whether a certain retirement community would provide high-quality living relies on examining outcomes in terms of the elder’s personal growth (socialization, comfort, peace of mind, fulfillment, being able to belong, etc). If the family envision those things when a home is selected, it might be right choice for the elder. Of course, high-quality medical care should also top the list. Assisted living is not like a nursing home when it comes to medical issues, but this should also be a top factor in choosing a home. Examining whether the home provides services for medical emergency usually helps in this type of situation.
Nevertheless, all the services mentioned above should be balanced with the actual cost of the program. Families should learn whether they will get their money’s worth when they enter their loved ones into a home – no matter how big or small the amount is. Ultimately, the goal of assisted living is to make life convenient for the elderly, so that should always be the first priority in the final decision.
It is all fun and games until someone loses an eye….or an arm…or a lifestyle. We’ve all heard it before: “tragic vehicle accident hurts two, kills one,” or “drunk motorist strikes pedestrian, leaving him paralyzed for life.” The news is eye-catching, however in the end it really is simply a narrative and no more real in relation to the films we watch. However, when it becomes your story, you realize how truly devastating it could be.
The costs of private injury due to motor vehicle collisions are much more than financial, although this is the in-your-face aspect of any condition that is physical. Non-pecuniary prices include diminished quality and psychological anguish of life. How can you put a price on happiness?
Personal injury attorneys would likely mention how this is made considerably worse when a vehicle crash is the consequence of the negligence or carelessness of a third party. No matter how careful one is while driving, they must consider other drivers. When automobile accidents are due to the negligent behavior of somebody else, for example, drunk driving or speeding, then it’s just right that you get repayment for the expenses of injury from automobile accidents because of their carelessness.
For children, playtime is all the time, and the tools they use in play, of course, are toys.
Toys aid children in learning about their surroundings; thus, they feel and learn to distinguish shapes, appreciate colors, listen to sounds, feel texture and even taste whatever they can get their hands on. It is very important, therefore, that the toys parents give them are totally safe, that is free of choking hazards and pointed edges, and do not contain any toxic substance.
The Consumer Product Safety Commission (CPSC) is an independent government agency that was formed in 1972 for the purpose of regulating the sale and manufacture of consumer products, as well as for ensuring the safety of these. Some of its other duties include the banning of any type of consumer product that causes danger (or has the potential to cause danger), issue product recalls (of those already available on the market), and formulate product safety requirements.
To help ensure the safety of small children the CPSC determines the allowed sizes of toys, limits for toxicity and noise (due to the very loud noise produced by some items), the inaccessibility of the toy’s batteries and magnets, removal of sharp edges or parts that can wound a child, and the display of clear product labels that warn about the toy’s possible dangers.
In 2014 the U.S. Public Interest Research Group (PIRG), a non-profit organization, released “Trouble in Toyland,’ a report which highlighted potentially hazardous toys and issued tips to parents on how to make sure that they get to purchase safe toys for their children.
W.A.T.C.H., which stands for World Against Toys Causing Harm, Inc., is another non-profit organization that is committed to providing the public with helpful information on dangerous children’s products, at the same time protecting children from any harm. W.A.T.C.H. also notifies the public about the different types of dangers found in many children’s toys and products, and recreational activities.
A list of the “10 Worst Toys of 2014” was released by W.A.T.C.H. to send parents the clear message of the need to keep their children away from harmful toys and from toy manufacturers who are more concerned with sale over safety.
Very young children getting injured can evoke varied emotions, including anger, frustration and the determination to bring the liable party to justice. Pursuing legal actions, however, may require the assistance of a seasoned personal injury lawyer, whose knowledge of, and experience in, the tort law may be able to help the child victim attain the justice that he or she rightly deserves.
Some babies are born with their skull and brain underdeveloped. This is a condition known as anencephaly, which means “no brain.” While some brain development may have occurred, it is typically not enough to sustain life. The anencephalic child is stillborn or dies soon after birth.
Anencephaly is one of a group of fetal developmental disorders called neural tube defects, which refers to problems with the spine, spinal cord, and the brain. The causes of these birth defects are unknown, but there are studies that indicate they may be associated with inadequate intake of folic acid during pregnancy. Some studies also indicate a link to certain drugs, especially those containing valproic acid. The anticonvulsant Depakote (valproate) is one of these drugs.
Researchers believe that fetal exposure to valproic acid through the mother in early pregnancy increases the risk of neural tube defects such as anencephaly by up to 20 times compared to pregnant women that do not take in valproic acid. According to a November 2011 Canadian study “Valproic acid-induced DNA damage increases embryonic p27KIP1 and caspase-3 expression: A mechanism for valproic-acid induced neural tube defects,” Depakote-related neural tube defects have a 1% to 2% incidence in infants.
The study used rats to observe how valproic acid acted on the DNA. The researchers found that it increased the production of the yH2A.X protein, which inhibited the ability of the DNA to replicate in the normal course of fetal development. Because most of the fetal development occurs during the first trimester, any interruption in the process has long-term and often serious consequences for the fetus.
According to the website of Williams Kherkher, Depakote has been in the market since 1983 for the treatment of epileptic seizures, and later for migraine headaches and bipolar disorder. Many women in their childbearing years had continued to take Depakote during their pregnancies, unaware of the risks until the Food and Drug Administration (FDA) issued a warning in 2011. It is uncertain how many of these women gave birth to an anencephalic baby because they were on Depakote, but medical records and the latest studies should be able to establish a link easily enough.
However, proving that the drug maker Abbott Laboratories via its subsidiary AbbVie was negligent in any way will be more difficult. A recent win by a 12-year-old plaintiff with spina bifida in state court sets a good precedent, but it takes a skilled birth defect lawyer to handle the big drug companies. If your child was born anencephalic and you had been on Depakote during your first trimester, you may be eligible for compensation. Find an experienced lawyer to help you in the process.
Apart from the physical condition of the victim in battery cases, there are additional factors that affect the severity of repercussions for the defendant. The presence or use of a weapon, characteristics of the victim, and characteristics of the defendant can determine the severity of the punishment when convicted of battery.
In the case of a Class E or Class H felony, an additional five years in prison can be added to a sentence if the defendant used or threatened to use a weapon. For Class I felonies, an additional four can be added. These weapons include anything that can cause great boldly harm or death, even if they are not used.
Secondly, if the person is over 62 years old, it is assumed that their older age puts them at greater risk of harm. Because of this, when in court, the defendant has to demonstrate that they did not personally put the elder person at a greater risk.
If the crime has been committed against people that embody certain characteristics, the defendant can receive more severe punishment. If the battery has been committed against a grand juror, trial juror, public officer, a village, city, or town employee, an operator of a transit vehicle, or a protected employee, the defendant’s punishment can increase in severity.
On the other hand, if the defendant is categorized by certain characteristics, they can receive more punishment if convicted. If they are a prisoner, a person that is institutionalized as a sexually violent person, or a person under a restraining order, penalties can be more severe.
While the punishment basis for felonies is identified by which class the action falls under, these surrounding factors can determine how long the imprisonment is, how high the fine is, or if any additional years or fines will be added to the punishment. A Waukesha Criminal Defense Attorney would likely attest to the possibility of having these repercussions reduced. If accused of battery, hiring an attorney for legal representation is a favorable option in order to reduce negative effects of the situation.
Concussions are the most common form of brain injury in the United States. According to the website of Pohl & Berk, LLP, concussions make up 75 percent of the 1.7 million brain injuries in the U.S. every year. This mild form of brain injury is generally caused by bumping or receiving a direct blow to the head. When these accidents occur, the soft tissue of the brain can be damaged through the protective spinal fluid and shell-like skull. Sometimes the brain will bruise, blood vessels will break, and nerve damage will occur.
Children’s heads take up a much larger percentage of their bodies than the adult proportions. Due to this, children are the most common recipients of concussions. Usually sports and recreational activities are involved at the time of accidents. Physical activity is also a leading cause in adults receiving concussions. Adults also may suffer a concussion from a workplace injury, in a car or bicycle accident, or during a fight or fall.
Symptoms of a concussion include blurred or impaired vision, loss of equilibrium, confusion, slurred speech, headaches, memory loss, or sensitivity to light. These symptoms can last anytime between a few seconds to several weeks depending on the severity of the brain injury. There are different grades to concussions depending on the symptoms and severity of brain damage. Grade 1 concussions last no longer than 15 minutes, grade 2 will last longer than 15 minutes but not result in loss of consciousness, and grade 3 concussions happen when the injured party loses consciousness.
While concussions may be the least harmful type of brain injury, severe forms of concussions can still be fatal. The physical, emotional, and psychological pain that concussions can cause may be devastating to an individual. If you received a concussion because of a vehicular accident or work place injury, consult an attorney in your area to discuss legal options to receive compensation for your pain and suffering.
It may seem like a no-brainer, simply brushing your teeth with your toothbrush and toothpaste everyday. However, the way you are brushing your teeth can cause damage without you knowing it. Although it may seem like second nature to us, brushing our teeth the right way is a very crucial part dental hygiene and dental health. Brushing your teeth the wrong way and using the wrong way can cause abrasion, which could lead to your teeth being worn away and exposed to cavities. Abrasion can also cause sensitive gums due to the root surfaces being exposed.
According to the website of Dr. Sid K. Steadman, D.D.S., proper tooth brushing should last about 2 minutes. One suggestion is to make four sections of your mouth, and brush each section for 30 seconds. This is to make sure that each section is thoroughly cleaned, but don’t take too long, otherwise you might damage your teeth or risk sore gums and other gum problems. It is also recommended to brush your teeth three times a day, but make sure to wait for about an hour after eating before brushing your teeth. This is because after eating, the mouth will be full of acids that could soften the tooth enamel and make it vulnerable if you are brushing your teeth immediately after eating or too abrasively. Don’t overdo it.
Holding your brush at an angle of 45 degrees to your gums, brush in an up-and-down action is short strokes. Avoid brushing with wide strokes moving side to side as this could scrape your gum line. Make sure to brush the inner and outer part of your tooth surfaces, and don’t forget to clean the tongue (the main reason for bad breath). To avoid getting bored or lazy, start brushing in different areas than you usually do.
Dentists generally recommend using soft-bristled toothbrushes – they are more efficient in cleaning the teeth without cause abrasions. To compliment your toothbrush, find toothpaste that is not too harsh to your tooth enamel. Whitening toothpastes tend to have strong ingredients that can sand away tooth enamel. Lastly, toothbrushes also lose their flexibility and become frayed and broken through time. Make sure to change your toothbrushes every 3 to 4 months.