Daily Archives April 10, 2015

Accident Injury Claim – Get The Right Solicitor To

Accident Injury Claim – Get The Right Solicitor To Succeed

by: Mohammad Latif

An accident injury can happen almost anywhere: at home, at work, on the road, shopping, during sport activities and so on. Each of these situations may bring many troubles, particularly if the injury is severe enough to affect your personal lifestyle or your ability to work for a longer time. However, with an accident injury claim it helps to compensate losses caused by the accident injury.
It isn’t always 100% recoverable such an annual holidays with friends and family. This and many others of the likes are not recoverable. It’s something you have to miss.
You can on the other hand retrieve any money paid for medical treatments, journeys in relation to the accident such as visits to physiotherapy or medical center. This is recoverable once your compensation claim is settled.
‘No Win No Fee’ Revolution
Since 1998, solicitors work on a ‘No Win No Fee’ scheme, abolishing Legal Aid. It was put in effect due to many people no being able to get legal aid and didn’t bother with their compensation. It made it easier and cost-free for the accident victim. Now, if you win your injury claim, you don’t pay any fees and you get 100% of your money.
The fees are recovered from the losing party. And if you lose, it still won’t cost you anything if you use a quality accident solicitor who would write the costs off.
No Fees Or Costs
Therefore, no payment is required by an accident solicitor until the final verdict is reached. Yet still you don’t pay for it. Being able to get a free assessment is another bonus as it allows you know for sure if you definitely have a claim for compensation.
The solicitor should not hassle you to proceed...

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Social Security: Which Is Much Better Early Or Lat

Social Security: Which Is Much Better Early Or Late Retirement?

by: Jinky C. Mesias

The social security retirement benefit is given during the normal retirement age of a qualified member. The normal retirement age is the age at which the retirement benefits equal the amount of the primary insurance. However, the normal retirement age of members varies by year of birth. Any retirement before the normal retirement age may reduce the retirement benefits to be received by members however the opposite applies if ever members choose to retire after the normal retirement age. The amount of retirement after the normal retirement age is also much higher.
The social security follows a table of benefits in order to determine the amount of retirement benefits to be given. Likewise, the retirement benefits may be higher or lower than the amount of the primary insurance of the retiring members. The difference is brought about by the age of the member on the time he or she wants to retire. To maximize the amount of retirement benefits, members may delay their retirement up to the age of 70. However, any member is not hindered from retiring as early as the age of 62. The disadvantage of early retirement is the reduction in the amount of retirement benefits that members will receive.
The reduction in the benefit for early retirement is about 5/9 of one percent for every month before the normal retirement age up to 36 months or 3 years. But if the difference between the normal retirement age and the applied retirement age of the member exceeds 36 months or 3 years an additional deduction of 5/12 of 1% per month is employed.
In the case of retiring members whose normal retirement age of 66 but chooses to retire at the age of 62 then a total of forty-eight months is going to be deducted...

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Plans Aren’t Wine, And They Don’t Always Age Well

Plans Aren’t Wine, And They Don’t Always Age Well

by: Molly Shomer

The following crossed my desk recently. The author gave me permission to share her story:
“Please alert people to something we’re experiencing right now – having to clean up the mess of someone not naming more than one person as beneficiary on a life insurance policy. We are having an impossible time trying to get the funeral expenses paid for my sister and my mother. They died within four days of each other, and they left each other as beneficiary of their life insurance policies.
‘If the person listed as a beneficiary dies, the insurance benefit goes into their estate.
‘The problem is, neither of them had a will, either.”
(Aside: This means that both estates, the mother’s and the daughter’s, will have to be probated by the Court, and the Court will decide who gets what. The process can be lengthy, and it can be expensive. The family might not see the funeral money for a while.)
“Also, please alert people to be sure that the person they choose to be their medical decision maker – the person who has Medical Power of Attorney – is willing to do what they would want done. Review the mental capacity of the appointed person regularly.
‘My 85 year old Mother couldn’t bring herself to honor my sister’s Living Will that said she wanted to be allowed to go. The doctor wouldn’t write a letter stating Mother wasn’t capable of making these decisions for my sister, who was in a coma.
‘So, my sister was put on life support, even though there was no hope that she would ever awaken or live a productive life. She lingered for months on a ventilator.
‘My family and I wish we had thought about all these things sooner. We are taking a closer look at our own papers now.”
She is soooo right.
Life insurance is something we a...

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Living Will And Durable Power Of Attorney For Heal

Living Will And Durable Power Of Attorney For Health Care. What Is The Difference?

by: James Wood

A Living Will is a legal document addressing only deathbed considerations; a client unilaterally declares his/her desire that life-prolonging measures be discontinued when there is no hope of ultimate recovery.
On the other hand, people use a Durable Power of Attorney for Health Care to appoint someone to make all healthcare decisions, limited by certain elections regarding deathbed issues.
The client must be at least 18 years old and mentally competent at the time he/she executes either document but incompetent to participate in the decision-making process when either is implemented. It is important to remember that both documents are only applicable if the client is incompetent.
Under the a Living Will, a client declares that if he/she is certified to have an incurable, terminal injury/illness and/or to be permanently unconscious by two examining physicians (including the client’s attending physician), that artificial life-support systems be withheld or disconnected. The client may also elect to discontinue artificial nutrition and hydration (intravenous feeding) by so designating on the form. (Find more information at: legalhelper.net/living-will.aspx)
Under the Health Care Power of Attorney, the client makes three separate and independent elections authorizing the agent:
1. To direct disconnection of artificial life-support systems in the event of terminal illness;
2. To direct disconnection of artificial life-support systems in the event of irreversible coma; and
3. To direct discontinuation of artificial nutrition and hydration.
In addition, the Health Care Power of Attorney form provides a space for the client to set forth any specific medical, religious or other des...

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Abused Spouses: How Divorce May Affect Your Green

Abused Spouses: How Divorce May Affect Your Green Card Chances

by: Heather L. Poole

The Violence Against Women Act (VAWA), passed into law in 1994 and amended in 2001, provides hope for immigrant abuse survivors. Under U.S. immigration law, immigrants may obtain a green card (“U.S. permanent residence”) by marrying a U.S. citizen (USC). The USC must, however under the normal course, petition U.S. Citizenship & Immigration Services (CIS, formerly known as “INS”) for an immigrant visa and a green card application for his/her immigrant spouse based on the marriage. But this process is not always easy on the immigrant – in many instances, it provides one of the most abusive ways a sponsoring spouse can exercise control over the immigrant, by holding the immigrant’s tentative immigration status over her. This is where VAWA helps. Abused immigrants who are married to a U.S. citizen or Lawful Permanent Residents may now petition on their own for an immigrant visa and green card application, without the abuser’s knowledge or consent. However, one of the recurring problems and questions that come up in these abused spouse cases is what happens to the immigrant’s chances for a green card if the abuser goes through on his threat and files for divorce? Similarly, how is her green card chances affected if the immigrant files for divorce, herself? Filing for relief under VAWA may still be possible even if divorce proceedings have begun or even if the divorce is final. A divorced spouse who was subject to extreme cruelty from his or her legal permanent resident or U.S. citizen spouse may apply for an immigrant visa as an abused spouse (eventually leading to a green card) if the petition is filed with CIS (INS) within 2 years following any final divorce decree...

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