How to Prevent Financial Abuse in Nursing Homes

When a loved one enters a nursing home, we expect that all their needs will be taken care of. They need the round-the-clock care and professional help a nursing home can provide. Sadly, many nursing homes commit many types of abuse, including financial abuse of the elderly.

Worse, they might not realize it if they have a cognitive impairment, or they might be too ashamed or frightened to speak out. While new regulations have been enacted to protect the elderly from this abuse, you’ll need to take further steps to protect your loved ones from harm. Follow these steps to guarantee they get the care they need.

Reach Out to Trusted Contacts

Many elderly residents suffer from disorders like dementia or Alzheimer’s, making it difficult for them to make financial decisions on their own. Otherwise, they might not notice that they’re being taken advantage of.

That’s why it’s so important that your loved one has a trusted contact for their finances. While many financial institutions are now requiring this, they need someone they can trust with their money. This person will have some access to their financial information, so they’ll know quickly if something is off about their finances.

Protect Your Accounts

While the access a trusted contact has can protect your loved one from abuse, you’ll also need to protect that information. Limiting the access others have to your loved one’s financial accounts can prevent financial abuse.

This means limiting or streamlining their accounts, as well as keeping all financial information confidential. Keeping them limited to a few key accounts can help, as well as shredding any unneeded documents or keeping them in a safer location. By limiting others’ access to their information, you can avoid some major sources of financial abuse.

Stopping Financial Abuse of Your Loved One

However, what if it’s already too late? Your loved one is being abused by the people meant to take care of them, and you’re not sure what to do first.

If you believe your elderly family member is being financially abused, have a nursing home abuse lawyer step in. Your loved one’s finances should be safe and stable, but when it’s not, you might need help securing it and getting their funds back.

While preventing financial abuse should be your priority, it might already be too late. However, an attorney can guide you through the fight to stop their financial abuse.

How Does Auto Insurance Work in Texas?

In the state of Texas when drivers are involved in an auto collision, they are required to pay for any damages that they cause.  The most common way to do this is by purchasing an auto insurance policy that covers financial expenses that happen as the result of an accident.  

Auto insurance is common in all states but it works a little differently depending on where you live.  There are some special circumstances related to insurance in the state of Texas.

What is Auto Insurance?

Most states require insurance on a vehicle if you drive it on public roads.  Auto insurance is basically a contract between you and an auto insurance company.  If you happen to get into a car accident with another driver or if you just damage property like homes or buildings, insurance companies will pick up a large part of the cost of repairing things.  

They also cover the cost of medical expenses related to the accident for both the insured driver and anyone else involved in the accident.  Typically these policies have limits on the amount of money they will pay out in the event of each accident.

The person who pays for the policy pays a monthly payment called an insurance premium.  As long as they stay up to date on their payments, they are covered in the event of an accident.  

How Does Auto Insurance Work in Texas?

In Texas, residents must buy enough insurance to meet the state’s financial responsibility law.  This is about 30 thousand to cover each injured person and 25 thousand to pay for property damage.  

These coverages help pay for a variety of expenses related to accidents like towing costs, repairs to the drives’ vehicles, coverage for uninsured or underinsured motorists, medical attention or emergency services that may be needed at the scene of an accident as well as costs related to property damage.  

In Texas, there is also something called personal injury protection coverage.  This helps people who have been injured in a car accident and are unable to work due to their injuries.  It covers things like having to miss work and not being able to pay your bills. It also covers things like hiring a caregiver to help you around your home should you become incapacitated.  

Filing a Claim in Texas

In Texas, it’s common for the other driver’s insurance company to try and get you to sign documentation to settle a claim.  This usually happens if you were not at fault in the accident and the other driver’s insurance company is handling the situation.  It’s important that you do not sign anything before speaking with an attorney. You can get car accident claim help from the Colley Firm, PC.  If you’ve been in an auto accident, they are the first people you should contact after the police and emergency services.  They can help walk you through the process of filing a claim and understanding your rights when it comes to the insurance system in Texas.  

 

Sources

http://www.tdi.texas.gov/pubs/consumer/cb020.html

How Does Bankruptcy Impact a Credit Report?

Filing for bankruptcy is never an easy decision, although for the more than half a million Americans who file each year, it can often seem the only solution to their financial issues. Once you file for bankruptcy, it means your unsecured debts, such as credit cards, loans and medical debts, are discharged, and it also stops all those letters and phone calls from your creditors demanding money from you.

Many people regard bankruptcy as a fresh start, although if you are thinking of taking this route, you may be asking yourself how does bankruptcy impact a credit report? It can have a huge and immediate impact on your credit score; as a rule of thumb, you can expect to see your score decrease by anything from 160 to 220 points. If you previously had what lenders considered a good credit score, a bankruptcy will lower your score to poor, or perhaps fair.

A bankruptcy also shows up on your credit report for up to 10 years, depending on the type of bankruptcy you filed. This can make it a challenge to be approved for a car loan or a mortgage, or to be offered a low interest credit card, and once you have a bankruptcy on your credit report, you can expect any loans to come with a high interest rate. And although it can seem unfair, many potential employers don’t look favorably on applicants with a bankruptcy on their credit report, and even renting an apartment may be more difficult when a credit check is carried out.

It may benefit you to use a lawyer for credit repair, especially if you need your score to improve, perhaps to apply for a mortgage, or you feel there is an error on your credit report. It’s estimated that about 80 percent of credit reports have at least one error on them. A credit repair attorney will review your credit report with a view to seeing how to improve your score, perhaps by trying to have negative items removed, or by negotiating a lower settlement amount with your creditors.

Although a bankruptcy on your credit report can significantly affect your score and your ability to borrow money at competitive rates, it isn’t all doom and gloom. Bankruptcy can actually be a better option for some than an endless cycle of late and missed payments, charged off accounts, accounts in collection and increasing amounts of debt. If you file for bankruptcy, look on it as a fresh financial start and a way to slowly rebuild your credit score. Taking out a store credit card or a secured credit card, and making sure you make the payments on time can help to boost your score over the next year or two, along with paying bills on time.

Although bankruptcy can be a practical solution if you just have too much debt, you should of course make the decision carefully and consult with a bankruptcy lawyer before filing. You may have other options, such as debt consolidation.

 

https://www.moneycrashers.com/bankruptcy-affect-credit-score/

https://www.sapling.com/4564668/bankruptcy-affect-credit-score

Medical Malpractice Laws in Texas

If you believe you’ve been the victim of medical malpractice at the hands of the medical professional you entrusted with your care, you may be able to bring a medical malpractice claim against them in civil court. Doing so can enable you to achieve full compensation for your losses if your case is successful.

However, before you make the decision to embark on the civil claims path, there are certain laws in Texas that you should keep in mind that apply to medical malpractice claims. Read on to learn more about how negligence is established in medical malpractice claims, how long you’ll have to file your claim, and any caps their might be on the total amount you can recover.

Establishing Negligence in Medical Malpractice Claims

To prove negligence on the part of a healthcare professional, the attorney representing your case will make use of an expert’s testimony in regards to the actions of the medical professional in question. The goal will be to establish that the caregiver acted in a way that a similar professional of the same education, training, and experience would not have made.

For example, if you suffered a serious infection after your surgeon left a sponge in your body cavity, your attorney would be able to prove negligence, as any other reasonable surgeon would have done proper counts of their instruments following the surgery and would have caught such a mistake prior to you suffering further injuries.

File Your Claim Within the Statute of Limitations

It is critical that you file your medical malpractice claim before the statute of limitations runs out in your case. In Texas, you will have two years from the date the incident occurred to file your claim. If you were receiving ongoing treatment and once treatment has finished you realize that you’ve suffered further injury due to an error on your caregivers part, then the clock will start running from the date that treatment ended.

Also, if your child has been a victim of medical malpractice and is under 12 years of age, you will have until the child’s 14th birthday to file your claim before the statute of limitations runs out. However, failure to file your lawsuit before time runs out will result in you being barred from pursuing the compensation you are otherwise entitled to.

What You Should Know About Caps on Damages

Although you’ll be able to get every single economic damage covered by the negligent medical professional in your case, there are caps on the non-economic damages that you’ll be able to recover.

These damages would include your pain and suffering, loss of enjoyment of life, emotional distress, loss of companionship and love, the effects of disfigurement and the loss of household services, among others. The cap if your claim is against a single physician or institution is $250,000. If your claim is going to be against multiple physicians or institutions, your cap will be $500,000 per claimant.

Discuss Your Case with a Seasoned Texas Medical Malpractice Lawyer

When you’re ready to move forward with your claim, it’s important that you get in touch with an attorney. Many Texas medical malpractice law firms will offer their prospective clients a free case review to discuss your case so that they can give you a better idea of what you should expect should you choose to proceed.

Take advantage of this opportunity and start working on your claim right away- you’ll be one step closer to obtaining the compensation you deserve if you do.

Dog Bite Claims: Does Breed Matter?

While most dogs we encounter are cute and sweet, there’s a chance that you could be bitten by a dog without any provocation. It’s a painful situation, and you’ll need to get the compensation you need for your recovery. But, does it matter what breed it was?

When you’re bitten by a dog, you’ll need to get a dog bite attorney as soon as possible. These bites are dangerous, so you’ll need someone who can assess the damages you’ve suffered, no matter the breed, and find your claim’s worth when you’re suffering. This is the most important part of your claim, but the dog’s breed may play a role as well, so speak to an attorney before you begin.

Liability for the Bite

First, who’s liable for the costs of your bite? It can be expensive to treat, especially if you’ve suffered from any of the following:

  • Infection
  • Puncture wounds
  • Broken bones
  • Nerve damage
  • Tetanus

These can be serious, so medical care is necessary. But, once you’ve received all these bills, who will be responsible for those expenses? The dog can’t be sued, after all.

In most cases, the owner is responsible for the dog attack. If the owner is a child, then the parents will be held responsible and must pay the costs for your recovery. In some cases, a landlord may have been responsible for keeping the dog from attacking, so if you’re not sure who’s responsible, get help from your lawyer.

Certain Breeds are Listed as “Dangerous”

However, the type of dog can have an effect on your case. Any dog can leave you injured, from a Chihuahua to a Great Dane, but some dogs are considered more dangerous than others. In some locations, legislation has been passed about these “dangerous” dogs.

For example, pit bulls have become an especially reviled breed. While some studies say they’re not more apt to bite than any other type of dog, their reputation as fighting dogs and the higher likelihood of serious injury or death is what people will take note of.

Some of these dogs have even been banned from certain areas, which might affect your claim. If the dog owner shouldn’t have had the dog in that area, they might face even more fines for their dog’s actions.

Does This Affect Compensation?

This means that your lawyer might be able to use the dog’s breed to your advantage. For example, let’s say you were bitten by a Rottweiler and have suffered puncture wounds and broken bones. In this case, you’ll need significant compensation for your injuries.

In this case, your lawyer might point out that the injuries are more severe, and the dog was more dangerous, compared to a smaller dog. A Pomeranian is just as capable of biting, but those injuries aren’t as apt to be debilitating.

Keep in mind, however, that dog owners have strict liability for their dogs. This means that, if you’re bitten by a dog, it doesn’t matter if the owner was negligent or even present. Proving that you were bitten by the dog is what matters, and it’s what your lawyer will focus on.

Get an Attorney’s Help

Dog bites can be serious. You’re dealing with serious injuries, and you’ll need to fight back for your compensation, no matter the dog breed. However, that’s tough to do alone, but that’s what an attorney is for.

When you’re injured by a dog bite, you’ll need to fight back for your compensation. The dog’s breed often won’t matter as much. What matters is that the dog owner is liable for their dog’s actions and that you get the compensation you deserve for your injuries.

So, reach out to a dog bite attorney as soon as possible. You deserve compensation for your dog bite, and a lawyer can help.

Sexual Harassment in the Workplace

No employee should ever have to deal with sexual harassment in their workplace. If you’ve been burdened by sexual harassment from a colleague, supervisor or other employee in your place of employment, you might be able to bring a claim against the person who is sexually harassing you and potentially your employer if they’ve failed to take necessary steps to prevent it from continuing.

The vast majority of companies have sexual harassment policies in place. These policies may outline the steps you should take when you’re being sexually harassed at work such as reporting the incidents to your human resources department or your immediate supervisor.

It’s important that you retain an experienced attorney in these types of cases. This is because if you are bringing a claim against your employer for failing to address the situation you should expect your employer to push back against these claims and even place fault on you for not taking the steps outlined in your contract to report sexual harassment behaviors.

Read on to learn more about what types of behaviors are considered sexual harassment and the compensation you may be able to receive in your claim.

What Constitutes Sexual Harassment?

There are any number of ways in which employees can become victims of sexual harassment. Sexual harassment is often defined as any unwelcome physical, written, or verbal actions of a sexual nature and can be considered a sexual discrimination when the harassment creates a hostile, offensive, or intimidating work environment that impacts your ability to complete your work.

The other common form of workplace sexual harassment is known as “Quid Pro Quo”. Here, the harasser in question has requested sexual favors in exchange for hiring, promotions, or to retain your position at work.

Sexual harassment can come in many forms including sexual touching, comments, gestures, jokes, pressure or innuendos. The key in establishing that sexual harassment occurred is that the actions of the harasser were unwelcome and offensive.

Recovering Compensation For Your Damages

When you’ve made the decision to move forward with your claim, your attorney will discuss with you, in detail, the different ways your life has been impacted by the sexual harassment you endured. It will be critical that no damage goes unaccounted for so that you can get the most out of your claim. Some of the most frequently sought damages in a sexual harassment claim include compensatory damages, the damage to your earning potential, back pay, and punitive damages.

Compensatory damages might include damage to your reputation, pain and suffering, mental health counseling, medical expenses, emotional distress, and the costs of searching for new employment, where applicable.

When referencing the loss of potential future earnings, your attorney will consider how long it will take you to find another job, how old you are, and what the turnover rate is with your former employer to determine how much you’ve lost out on. Possibly the area that is the greatest cause for concern is the back pay you’re entitled to. This could include lost wages, the loss of bonuses, benefits, contributions to your 401K, and paid time off.

In the event that the judge finds that the actions of the harasser were particularly abhorrent or malicious in nature, whether that be due to the actions themselves or for failure to do something about harassment after it’s been reported, you could be awarded punitive damages. This award, though helpful to your case, is designed to make an example of the liable party so that similar incidents don’t happen in the future.

Get Help from a Qualified Personal Injury Lawyer

If you’re considering bringing a civil lawsuit against your harasser or employer for sexual harassment in your workplace, working with a lawyer for a sexual harassment claim can be the best way to ensure that you secure the funds you need to put this difficult time in your life behind you.

California Wrongful Death Claim 101

If you’ve lost a loved one due to the actions of another. It doesn’t matter whether the actions of the defendant in your case were intentional or negligent- if it wasn’t for the actions of the defendant, your family member would still be with you today. Below we discuss the ins and outs of California wrongful death laws so that you can prepare yourself for your the claims process.

Filing Within The Statute Of Limitations

First and foremost, you need to make sure that you file your claim before the statute of limitations runs out in your case. The time limit for a wrongful death claim in California is two years from the date of the decedent’s passing.

If you do not pursue your claim within the statute of limitations, you will be unable to have your case heard in court, and you will not be able to recover compensation for the damages both you and your deceased loved one endured.

Who Can Pursue A Claim?

California laws regarding who can file a wrongful death claim are very strict. The following entities may be able to pursue a claim under the appropriate circumstances:

  • The decedent’s surviving spouse, children, or domestic partner
  • The decedent’s surviving parents or siblings
  • The decedent’s stepchildren
  • The decedent’s putative spouse or children

The surviving spouse, children and/or domestic partner of the deceased will be the first parties entitled to file a claim first. If none of these parties are in the decedent’s line of descent, then anyone who might inherit the deceased’s property and assets would be able to file a claim, such as the deceased’s parents or siblings.

Also, those family members who can demonstrate financial dependance on the deceased such as the decedent’s stepchildren, putative spouse, or children of the putative spouse will also be able to pursue a wrongful death claim. The term putative refers to an assumed, but not by-law binding, marriage between the deceased and other person.

Damages That Can Be Recovered

There are two different ways that damages are categorized in a California wrongful death claim: those that the decedent suffered or would have sought in a personal injury claim, and those that the family suffered upon the death of their loved one.

The losses of the deceased might include lost wages and damage to their earning potential, medical bills accrued due to their injuries, and funeral and burial costs.

Damages that will be attributed to the surviving family members pursuing the wrongful death claim would include the loss of financial support, the loss of companionship and love, the loss of household services, and  the loss of community and guidance.

Your attorney will be able to go over all of the losses that could be considered when calculating the value of your claim to ensure no damage is unaccounted for.

Speak With A California Wrongful Death Lawyer

If you have additional questions about how to go about filing a wrongful death claim, reach out to the wrongful death lawyers of Dickson Kohan & Bablove today. Your attorney will work to secure the compensation you need to pick up the pieces of your life.

The Many Things an Employment Lawyer Can Help You With

Have you thought about how important it can be to hire a law professional when dealing with an employment dispute? Employment lawyers are some of the best people to have on your side when it comes to employment issues. You will find they help in a variety of ways and they can certainly ensure you get more value for money too. So, what are the many things in which an employment lawyer can help you with? Read on to find a few things they can do so you don’t have to.

Preparing for Court

Employment lawsuits can go to court and that means presenting evidence. Gaining evidence such as documents and witnesses can be so important and an employment lawyer can help with such things. This is truly an important part for most individuals as it’s not always easy to deal with preparations for court. Remember, you have a lot of laws to abide by and having to create a case with the best chance of winning is going to take some skill. When you look at a professional, you will find your case is presented in a better and more effective manner.

Acting on Your Behalf for Settlements

Taking on an employer and winning an employment lawsuit is not going to be easy. There will be discussions over potential settlements and trying to go between one party and another is not easy, especially as some people won’t see eye-to-eye. However, when you use a law firm, they can do all the hard work for you. They can act as a representative and accept a settlement on your behalf. They essentially represent you in any and all legal proceedings, even if it doesn’t go to court. This can be so useful and it’s good for those who have no clue of the law too.

Presenting a Case

For those who have to take their case to court, it can be a very stressful time and it’s certainly not easy for those who have never had experience in this field. It puts a lot of pressure onto someone and for most; they don’t know how to do this successfully. However, by looking at an employment lawyer, they can deal with everything so you don’t. They can present the case in an effective manner so that the court can follow the evidence and hopefully they can win. Presenting a case in court poorly is the best way to lose the case; that is why more and more people hire a professional lawyer.

Get Help When You Need it Most

Dealing with employment disputes are terrible because it’s difficult as you are going up against your former employer and it’s not the most pleasant experience. For most, they find they struggle to go through a case simply because they feel awkward as to what they are doing. However, with an employment lawyer, it might be far easier to go through the entire process. It can make life easier for all and hiring a good law firm to represent you can take a load from your shoulders.

Check out this post for more informations and help: http://www.barryspalding.com/the-benefits-of-hiring-a-labor-lawyer/

The Benefits of Hiring a Labor Lawyer

Have you thought about hiring a labor lawyer? To be honest, when it comes to labor disputes, no matter which side you are on, you can often find it’s full of ups and downs. It’s not easy at the best of times to deal with labor disputes and sometimes, having the services of a lawyer can be more beneficial to both sides than you believe. So, what are the benefits of hiring a labor lawyer and can they really help your cause today?

Making the Terminology Easier to Understand

Lawyers and the legal system are full of complicated jargon that very few people understand. Sometimes, you can only understand what lawyers are talking about when you are within the same field and that can be a real issue for most people during a dispute. However, when you look at hiring a law firm you can make things far easier. That is why it’s time to look at hiring a professional labor lawyer. It is not only a smart way to get the best way to get expert advice but to also make the terminology surrounding the events far easier too.

You Need Someone Who Knows Employment and Labor Laws Well

Let’s be honest, there are lots of laws surrounding labor and employment and if you are not well informed of them, you can be left short-changed. It’s not always easy to approach a dispute when you don’t know this area of the law well which is why it’s best to hire someone. One of the best benefits to come from hiring a labor lawyer has to be down to them understanding and knowing the latest laws and guidelines. This will benefit you simply because you get advice and the best way to proceed. They know the laws which will make things far easier for you in the long-term.

No Need to Do the Hard Work                                                

If someone has been fired from work and the employee thinks it’s unlawful then there is a potentially a lawsuit to face. For most people, they don’t know how to approach these cases and don’t have the ability to represent them in court either. By hiring a professional they can actually make your case for you. A law firm can represent someone unlawfully fired in court but they can present a well thought out case and find witnesses and other evidence to support their case. It’s something which most regular people don’t know how to do which is why a lawyer is needed and they make it easier for all.

Make Life Easier

When you deal with an employment or labor dispute, it’s going to be very tough. You have a lot to take care of and not a lot of time to do just that. However, when you get advice and hire a professional lawyer, things can be made far easier. It’s time to think about getting someone who knows this area of law well and who can offer real help to you too. A labor lawyer is well worth the money.

Read more here: https://www.thebalancecareers.com/employment-law-advice-best-websites-2071543

Legal Services of Labor Law Attorneys

Despite what you might think, labor law attorneys don’t just have to represent employees or employers in court. There are many things in which labor lawyers take care of and each service provided can be just as important as the next. What so many people don’t realize is that legal services provided by labor law attorneys can be used by both employers and employees. Want to know more about their legal services? Read on to find out more.

Labor Lawyers Can Review Policy Statements for Businesses

A labor lawyer can actually take a very close, in-depth look into the type of business policies an employer has created. They can do this for both the employer and employee to ensure the policy complies with the latest employment laws. This can be a very useful service to ensure employee manuals and everything else is in order and is fair above all. It will make a real difference if employment policies are not at the standard they should be and a labor lawyer can help ensure they meet all standards.

Help with Wage Issues

Employees can make a complaint against their former or current company stating they have not been paid the exact money they were promised when they began their employment. Also, employers can also make complaints against employees who may have been overpaid due to errors with payroll and fraud in overtime and hours worked. Labor law attorneys have the ability to assist with these cases. Lawyers can also help the government sort out these issues too if the government has filed a complaint against the business in question.

Representing Employers in a Labor Dispute

If an employee has taken their employer to court over a labor dispute, the business or employer will need someone to represent them in such matters. A labor lawyer can do just that. They have the ability to go into court with them and represent them so that they present a fair case. A lot of people go through these disputes each year and while they are mostly resolved outside court, some have to go to the courts in order for a judgment to be made.

Can Employment Lawyers Help?

While you might not think these lawyers can help anyone but the employer, think again. Labor lawyers can represent both the employer and employees. These are the people who can help to ensure there is a fair hearing and for both parties to present a fair case should the matter go to court. Labor law attorneys can offer up a lot of assistance and they can do so much for those who really need help with labor disputes.

Get Legal Help When You Need it Most

When you are dealing with employment issues, you have to have someone on your side to help. It is not easy at the best of times to go through such matters. For most, they have real issues over settling a dispute. However, while it might seem impossible to take on such a case, there are people who can help deal with the case on your behalf. A labor lawyer can assist you in many ways and they really are some of the best people to talk to.

Read more here: https://www.nytimes.com/2018/02/04/business/economy/tips-rule.html