Understanding the Effects of HIPAA Laws in Your Clinic or Hospital

Understanding the Effects of HIPAA Laws in your Clinic or Hospital

The Health Insurance Portability and Accountability Act is commonly known in medical circles as HIPPA. Most people see HIPAA in the context of national standards for the confidentiality and protection of their medical information.

Confidentiality procedures
Pursuant to HIPPA, every health care provider and their business associates are required to develop, implement and follow procedures that assure and maintain confidential information contemplated by the act when it’s handled, transmitted, received or shared. This obligation extends to any type of personal health information whether it’s written, oral, or electronic. For purposes of conducting business, only minimal personal health information can be shared.

The privacy rule
HIPPA applies to all health insurance plans, health care clearinghouses, and any health care providers that conduct specific health care transactions electronically. The act prescribes limits and conditions on how personal health information is used and disclosed without written authorization from the patient. The act also gives individuals rights in connection with their personal health information, including but not limited to obtaining copies of their health records and the right to request corrections in them.

No more paper records
The day is around the corner when paper medical records won’t exist anymore. According to Health Data Archiver, hospitals and clinics that are low on resources can’t effectively store, transmit or share medical records, so the records are sent to companies like it for archiving. A patient data archive that’s HIPPA compliant can include all or nearly all patient personal health information accurately and securely.

Penalties for failure to comply with HIPPA
Civil penalties of $100 for each violation of the act can be stacked on top of each other for multiple violations involving a single individual. Maximum annual civil penalties are $25,000 per year per person per standard. That means if three standards were violated for one person, the maximum civil penalty could be $75,000. If information is knowingly and improperly disclosed or obtained under false pretenses, the criminal penalty can be up to 10 years in prison and a fine not to exceed $250,000. More severe penalties are in place for circumstances involving false pretenses or malicious harm. Private civil actions can also be brought by affected individuals.

You’re generally better safe than sorry. When in doubt, exercise the maximum degree of privacy and confidentiality possible. An authorization for release of personal health information from the patient on a HIPAA compliant form is how those governed by HIPAA privacy protection remain compliant.

This article is from Lizzie Weakley, a freelance writer from Columbus, Ohio. She went to college at The Ohio State University where she studied communications. She enjoys the outdoors and long walks in the park with her four-year-old husky Snowball.

Six of the Most Common Causes of Serious Car Accidents

6 Of The Most Common Causes Of Serious Car Accidents

On average, 40,000 accidents involving automobiles occur each year in the United States. Typically, more accidents occur on weekends versus weekdays. The holidays are, predictably, the worst times for traffic accidents. Most drivers involved in car accidents range in ages from 15 to 44, with more male deaths than female deaths. There are several causes for car accidents to be aware of.

Distracted Driving

Distracted driving is the leading cause of automobile accidents in the United States. A driver is distracted when they take their eyes off the road. Talking or texting on cell phones, eating, applying makeup and reading are some ways that drivers are distracted while driving. Consider putting your phone in the backseat until you arrive at your destination so you aren’t tempted to text or talk while driving.

Running Stop Signs and Red Lights

Failing to stop for a red light or running a stop sign can lead to serious accidents from side impact crashes. Be sure that you aren’t speeding so you don’t miss unexpected stop signs. If the light turns yellow, stop at the light instead of driving through a red light.

Driving Under the Influence

Driving Under the Influence is operating a motor vehicle under the influence of alcohol, illegal and/or prescription drugs. In many instances, alcohol and drugs are often used in combination. According to a Ventura car crash attorney, more than 30 percent of all traffic deaths involve a drunk driver. It’s important that you arrange for designated drivers so you or loved ones don’t drive while under the influence.


There is no doubt that our culture thrives on having everything at our fingertips and on instant gratification. Many drivers are impatient and this can lead to speeding. Many drivers ignore the posted speed limit. The faster your speed, the less reaction time you have.

Weather (Ice, Snow, Rain)

Wet weather causes the road surfaces to become slick and dangerous causing the driver to lose control of the vehicle. Vehicles lose traction on ice and snow and cars can spin out of control or skid while braking.


Tailgating is defined as driving too closely behind another vehicle. Riding too close to a car in front of you reduces the distance you need to stop in case the car in front of you makes a quick stop. Leave one car length for each 10 mph that you are driving between you and the vehicle in front of you.

Many accidents can be avoided by using common sense. Pay attention to driving and put aside any unnecessary distractions. Become a safer driver and reduce the chance of being involved in a car accident.

This article is courtesy of Anita Ginsburg, a freelance writer from Denver who often writes about home, family, law and business. A mother of two, she enjoys traveling with her family when she isn’t writing.

Friday Fun

When you become a grandparent you get pretty good at blowing kisses. This wonderful animation takes it to a whole new level:

Samare from Troshinsky on Vimeo.

Happy Thanksgiving!


Have a sweet Thanksgiving with friends and family.

Photo by Apolonia, via freedigitalphotos.net.

Six Life Changes That You Will Need The Help Of A Lawyer For

6 Life Changes That You Will Need The Help Of A Lawyer For

There are many life changing events you may be forced to go through that will require the assistance of a lawyer. Whether you are dealing with family, health or financial issues, legal assistance can help make sure you find the best solution quickly. Here are five life changes you may want to consider calling a lawyer for:


While anyone can attain a marriage license, a lawyer will be necessary if you plan on entering into a prenuptial agreement with your significant other. The signing of this agreement, under the supervision and direction of a lawyer, will be the guideline upon which joint property will be distributed should you and your partner ever separate.


In the case of a divorce, a lawyer will be necessary to ensure that both parties follow through with the agreements in the prenup if you signed one before entering into marriage. If you did not sign one it will be up to the lawyers to settle an agreement between the two parties as to how all joint property will be distributed. This is especially important if you have children involved.

Workers’ Comp

Workers’ compensation is a form of insurance providing medical benefits and wages to employees who were injured on the job. If you feel you qualify for workers’ comp, you will likely want to consult a lawyer to help you come to a settlement with your employer.


Your last will is a legal document which provides for the distribution of your property after death. Creating a will may help your family members come to civil agreements on who receives what after the event of your death. Most people create their will under the guidance of a lawyer as large amounts of legal jargon are typically required for your will to hold up in court.

Buying a house

When buying a house, you will almost definitely need a real estate lawyer to assist you in filling out all the required documents to legally take ownership of said house. To not do so may put you at personal risk of loss and any documents you do sign may not stand up in a court of law.


If you get seriously injured or ill, which makes it impossible for you to continue working, it could put a major strain on your finances. In this case, you may be eligible for social security disability. It’s important that you get the benefits you need to support your family. A Green Bay Social Security disability attorney can help you with every step of the legal process.

These are only just a few instances in which a lawyer may be necessary. When making major life decisions, consulting with a lawyer is a good idea.

This article is courtesy of Anita Ginsburg, a freelance writer from Denver who often writes about home, family, law and business. A mother of two, she enjoys traveling with her family when she isn’t writing.

Car Accident? How to Find the Right Attorney


A car accident is one of the worst nightmares that anyone can ever imagine. When something like this occurs “Why me?” might ne the first question that pops in your mind. But this kind of hopelessness is not going to make you come out of this mess. You know what, rather who, can help you put this behind? A LAWYER! Now a host of questions might attack your brain! The following points will help you in finding the right lawyer who will be your guide and savior in this harrowing journey!


You need to select the best attorney in your city who will make you win the case. But how do you do this?

  1. Ask your friends and family: Car accidents unfortunately are not a rare occurrence. So ask them about their experiences with their respective lawyers. But do not just go by word of mouth. After you have put together a list of potential lawyers that you can hire, its time for the next step.
  1. Look up their credentials: Its true when they say that you need to be completely honest with your lawyer, even more frank than you are with a friend! But do keep this in mind that at the end of the day, your attorney is not your friend but your counselor whose part in your life is over as soon as he wins the case for you. So you need to judge them by their past track record. Make sure to ask about them from their peers, look for any legal award that they were given and also thoroughly check their certificates.
  1. Passion is necessary:  A lawyer who is passionate about his work gives out the impression to his clients that he is willing to go that extra mile for them. So it is your responsibility to hire someone who will give more priority to your case and less priority to his bank account. Someone who opens your file and finds out that there is no serious injury and also the presence of any kind of vehicle insurance quotes is also nil, but still wants to represent you is the ideal lawyer for you.
  1. Money matters to an extent: Lawsuits are expensive in nature and you need to make sure that you have adequate cash to go forward with the proceedings. Hiring an expert is costly in itself. Then you need to hire a person who can afford to stick with you throughout the legal journey. For that you need to examine his office. Scan his room, see if he has a spacious room and appropriate staff. If by any chance he works in a dingy room in an old dilapidated building, then he is not the right choice for you!
  1. Constant Communication: Please remember that you need to be in constant touch with your lawyer. Whenever it is necessary for either of you to reach out to the other, it should be an easy affair. If he doesn’t return your calls or give prompt (within 24 hours) replies to your emails, then you are in deep trouble. Exchange of important information from client to lawyer and vice versa is deeply crucial for both of you to win the case and lack of this kind of exchange will be the cause of your doom. So appoint someone who is easily available whenever you need him!

Hiring a professional when you are in this deep a mess will help you immensely. A lawyer has extensive knowledge about law which when correctly applied in the courtroom will prove to be the cause of winning your case.

Author Information: Bill Brown is now part of Marketing team of Auto Insurance group. Our group is independent webmasters who are happy to share their experience and knowledge. We are not licensed to give any insurance and financial advice. We hardly know our visitors and their background to offer them tailored advice. We would always suggest that motorists should seek independent advice from a broker or financial advisor. That is what they are for and sites like this can only offer you general guidance, help and encouragement to find the best coverage. You can check our articles at – http://cheapautoinsurance.net/car-garage-visit/

Black Friday Safety Tips


This year many shoppers will be out early to find those big bargains on Black Friday or online for Cyber Monday, but the criminals will be out too. The National Crime Prevention Council has 10 great tips to help you shop safely while getting those great holiday bargains throughout the shopping season.

1. Do not buy more than you can carry. Plan ahead by taking a friend with you or ask a store employee to help you carry your packages to the car.

2. Shop online with companies you know and trust. Check a company’s background if you are not familiar with it. Remember, if it sounds too good to be true, it usually is.

3. Save all receipts. Print and save all confirmations from your online purchases. Start a file folder to keep all receipts together and to help you verify credit card or bank statements as they come in.

4. Consider alternate options to pay for your merchandise, such as onetime or multiuse disposable credit cards or money orders, at online stores and auction sites.

5. Wait until asked before taking out your credit card or checkbook. An enterprising thief would love to shoulder surf to get your account information.

6. Deter pickpockets. Carry your purse close to your body or your wallet inside a coat or front trouser pocket.

7. Have your keys in hand when approaching your vehicle. Check the back seat and around the car before getting in.

8. Do not leave packages visible in your car windows. Lock them in the trunk or, if possible, take them directly home.

9. Tell a security guard or store employee if you see an unattended bag or package. The same applies if you are using mass transit.

10. If you are shopping with children, make a plan in case you get separated. Select a central meeting place and make sure they know they can ask mall personnel or store security employees if they need help.

To find more useful shopping tips and personal safety information, visit the National Crime Prevention Council’s website at http://www.ncpc.org.

Six Ways To Stay Out Of Legal Trouble When Going On A Road Trip

6 Ways To Stay Out Of Legal Trouble When Going On A Road Trip

Taking a road trip with family or friends can be the perfect getaway experience. To make it pleasant and safe for everyone involved, you will want to keep the following six tips in mind.

Plan your route

Although you don’t legally need a map or plan for your trip, it helps to designate a route and know at least generally where you’re headed to be aware of important factors. Understanding the speed limits, traffic conditions, and even weather issues of areas where you’ll be traveling can help you avoid breaking the law even unconsciously. Speed limits can change dramatically by state, along with weather requirements such as a snow street parking ban.

Prepare the vehicle

Take extra precautions to ensure your car operates within legal limits on your trip. Replace all burnt-out lights and signals and ensure the exhaust is working properly to avoid being pulled over by a police officer and cited. Take an emergency kit with supplies that will help you safely change a flat tire or display a distress signal if your vehicle breaks down.

Don’t drive while under the influence

Never drive under the influence of drugs, sedation, or alcohol. In addition to running the risk of being pulled over and arrested or cited, you increase the risk of reckless operation that can lead to deadly accidents or property damage. Fines and penalties can be steep for this type of illegal activity. If you’ve been charged with a DUI, it’s important to talk to experienced Columbus attorney Michael Puterbaugh. Lawyers can help you understand your rights and penalties you may face.

Don’t text and drive

Texting while driving is illegal in many areas, and it has led to fatal accidents. Set your phone to silent or voice-only use to prevent hand-held device citations if you are pulled over or involved in an accident. If possible, avoid even talking on the phone while driving, as it can be distracting.

Don’t drive without proper credentials

Make sure your driver’s license is up to date and about to expire. Keep a copy of your car insurance policy with you, as well as the vehicle’s registration. Take along other photo identification in case it is needed.

Don’t let unlicensed drivers behind the wheel

While it may be tempting to give a teenage son or daughter driving practice while on the road, be sure the teen has a valid driver’s permit without restrictions. Similarly, make sure anyone driving your car has a valid license.

These simple tips can save time, money, and aggravation. Don’t risk getting in legal trouble. Enjoy your road trip safely and securely with the above preparations.

This article is courtesy of Anita Ginsburg, a freelance writer from Denver who often writes about home, family, law and business. A mother of two, she enjoys traveling with her family when she isn’t writing.

Friday Fun

Photoshop? Who knows? These “50 Most Perfectly Timed Photos Ever” either are really great photos or they show great editing imagination. Whatever, just enjoy.

Identity Theft and Fraud: A Year In Review

identity issues photo concept

2015 was a busy year in the world of fraud and identity theft. From the Target credit card breach to the IRS hack to the Ashley Madison scandal, a number of high profile security incidents have brought personal data security to the forefront of everyone’s attention. The bad news is that more Americans than ever before are finding themselves the victim of some form of identity theft. The good news is that the proliferation of fraudulent criminal behavior is making everyone more aware of the risks of living in an increasingly digital world. Individuals and businesses are being more careful with how they access and share their personal information, which offers a glimmer of hope that 2016 will see a much-needed drop in these kinds of unfortunate incidents. Before we head into the new year, here’s a review of some of the most notable identity theft statistics from 2015.

Every 2 Seconds

A fraud claim was filed every two seconds this year. Just because a complaint was filed doesn’t necessarily mean that fraud was committed. Still this remains a fairly alarming statistic. The Federal Trade Commission’s finding account for all levels of fraud, from large scale attacks that affect millions of users to single-victim incidents, but it’s safe to say that the uptick in corporate-level intrusions has greatly increased this number. Although we’re still waiting on additional data from 2015. In 2014 the total amount of money lost due to fraud was nearly $16 billion.

Government Documents & Benefits

Incidents of identity theft related to stolen government benefits or tax fraud accounted for nearly 40 percent of all incidents in 2015. That’s nearly as much as bank, credit card and utilities fraud combined. This is at least partly due to a May hack that gave hackers access to 100,000 tax accounts. How did they pull it off? By successfully answering security questions related to each individual. In general, security questions are meant to provide an additional safeguard against this kind of intrusion, but they can also provide an easy breach point if users aren’t specific enough. If your dog’s name is Fido and your favorite place to vacation is Disney World, don’t use these as answers to your security questions because they’ll be a lot easier to crack than your password.

Florida is Still King

Due to highly transient populations, the Pacific Northwest and the Southwest are both hotbeds for fraud-related activity, but neither can hold a candle to Florida. There were over 1,000 complaints per 100,000 Floridians in the past year, due in large part to the elderly population which relies heavily on government benefits and services. Florida’s reliance on tourism also adds fuel to the fire, and the lack of a state income tax means that tax forms are likely to receive less scrutiny at the state level. This all adds up to a perfect storm of identify theft-related behavior. Curious to know where your state ranks? Use Lifelock’s Online Risk Calculator to find out.

Online Shopping is Growing Concern

When it comes to having your credit card number or personal identification stolen, it’s still more likely to happen in a physical setting, like over your shoulder in a crowded bar or as a result of an auto burglary. However, rates of online identity theft are quickly growing and look to surpass rates of physical theft within the next 10 years. What’s the most common source of online identity theft: retail shopping sites.

Author information: Aaron Rote is a Chicago-based writer who specializes in entertainment, outdoors and craft beer culture. He is an avid runner and hiker who is currently teaching himself to commute by bike without being hit by a speeding bus. Having recently relocated from the Pittsburgh area, he is also torn between his loyalty to the Pirates and his new home team, the Cubs. Check out his blog at www.thelastnewguy.com.

5 Different Ways You Could be Charged with a DUI that You Didn’t Know About

Gavel, Alcoholic Drink and Car Keys on a Gradating to White Background - Drinking and Driving Concept.

The general public has a simple understanding about how to get a DUI. Statutes cover being under the influence of alcohol, drugs including legally prescribed, and a combination of these. In addition, there are five areas that drivers are still culpable of being ticketed for DUI. Here is a synopsis of them with key points.

Operation Requirement

Occupying a vehicle including sitting or sleeping while under the influence even if you are not driving is considered a DUI. This means the car is not in operation or is parked with no keys in the ignition. Impaired individuals will face charges as if they were driving on a public road. The rationale is driving would have commenced at some point, which would be considered unlawful.

Driving on Non-Public Roads

DUI on private property such as someone’s land, parking lot, golf course, or water can lead to prosecution. Accidents occurring in these areas undergo an investigation to determine the cause. Most drivers think you have to be on public roads to be guilty of a DUI. The legal limit of .08 is enforced with tickets and arrests being made accordingly.

Operating Any Motorized Vehicle

Cars are not the only motorized vehicles that are covered by DUI statues. Boats, go-carts, golf carts, and ATCs (All Terrain Cycles) are included in the list of motorized vehicles. Operators should take care and be mindful of driving while under the influence of alcohol and drugs.

Medically Prescribed Drugs

Tickets can be issued, arrest made, and cases brought for driving while taking legally prescribed medication. This includes pharmaceuticals and medical marijuana. Impairment due to their use is considered a violation and threat to public safety. Patients prescribed these compounds should be aware they are subject to prosecution for DUI infractions incurred while taking them.

Degrees of DUI

There are several levels of DUI including slightest degree, impaired to an appreciable degree, and same as sober. This would appear to be a double indemnity with the inclusion of the .08 rule. However, states have decided to use both benchmarks in litigating cases. Experienced lawyers have a myriad of defense strategies to circumvent these subjective interpretations dismissals. Examples of defenses include using the fourth amendment, impugning arrest affidavits, challenging test results, and others.

The laws have gotten tougher over the years with the efforts of advocates such as MADD. The legal limit being reduced from .11 to .08 is an example of this. A caveat is a lack of dangerous driving does not preclude prosecution when the thresholds listed are met. It is crucial when facing a DUI charge to hire and consult with an attorney, like Johns Creek DUI attorney Ben Sessions, who is familiar with state statues to negotiate the best possible outcome.

Author Bio: Rachelle Wilber is a freelance writer living in the San Diego, California area. She graduated from San Diego State University with her Bachelor’s Degree in Journalism and Media Studies. She tries to find an interest in all topics and themes, which prompts her writing. When she isn’t on her porch writing in the sun, you can find her shopping, at the beach, or at the gym. Follow her on twitter: @RachelleWilber

Dog Bites: Understanding the Legal Effects of Being Injured by Man’s Best Friend

Dog Bites Understanding the Legal Effects of Being Injured By Man's Best Friend

An overwhelming majority of the states have dog bite statutes that place strict liability on the owner of a dog that makes an unprovoked attack on somebody else. Some states have no dog bite statute, so it’s necessary to prove a violation of the “one free bite rule,” negligence by the owner of the dog, or a violation of a local ordinance.

The one free bite rule
Some states are “one free bite” states. In these states naqvilaw.com advises that if a dog bites somebody one time, the owner can escape liability because he or she didn’t know of the dog’s propensity to bite. If the owner knows about that one bite though, he or she has to use due care and caution to prevent that dog from biting somebody again. The owner can be held liable for the second bite.

Dangerous dog and vicious dog statutes
Some counties or municipalities are in states that don’t have a specific dog bite liability statute, but the county or municipality might have a dangerous dog statute. They declare a dog to be legally dangerous if people have had to defend themselves from it when it’s running at large. Some statutes classify a dog as being vicious if it injures or kills a person without any provocation. These localities forbid possession of a vicious dog.

Negligence per se
Depending on what county or municipality you’re in, naqvilaw.com also advises there might be a dog ordinance in place that makes a dog owner liable for damage caused by a violation of an ordinance. A common example of negligence per se in the case of a dog bite is when there’s a leash law, and the dog’s owner allows a dog to run at large. If the dog bites somebody or somehow causes an accident, the dog’s owner can be held liable for damages. Some counties and municipalities even have strict liability dog bite ordinance.

Damages in a dog attack case can include but not be limited to:

  • Past and future medical bills
  • Lost income
  • Permanent disfigurement
  • Pain and suffering
  • Loss of a normal life
  • Punitive damages

A knowledgeable and experienced personal injury lawyer knows how to prove liability in dog bite cases. Dog attacks need to be reported to authorities immediately. Your next call after that should be to a knowledgeable and experienced personal injury attorney. Dogs are animals, and they require care. People who are injured by dogs with careless owners deserve fair compensation.

This article is from Lizzie Weakley, a freelance writer from Columbus, Ohio. She went to college at The Ohio State University where she studied communications. She enjoys the outdoors and long walks in the park with her four-year-old husky Snowball.

4 Things You Must Know Before Applying for Social Security Disability

4 Things You Must Know Before Applying for Social Security Disability

Social Security’s disability program was designed to sustain people who can no longer work because of an injury or illness. Before you submit your application, you should understand these four important aspects of pursuing disability benefits from the government.

Online Application

It used to be that you could only apply for disability by submitting a paper application. To make things easier and to speed up the process, Social Security now allows people to apply for these benefits online. As outlined at SSA.gov, the online application takes less time to fill out than a paper application. It is recommended that you use the online forms when you want to expedite the process as much as possible.

Wait Period

Expediting your case can depend significantly on your illness or injury. If Social Security has questions about your condition, you still could be in for a substantial wait while your case is considered. While some applicants who have severe illnesses and injuries may be approved within a few weeks’ time, others who suffer from lesser conditions, such as diabetes or depression, may need to wait longer for approval. Your approval will depend to some degree on the severity of your condition and whether or not Social Security believes that you can still work.

Court Appearance

After you submit your application, you may be called to appear before a judge in federal court. The judge will ask you questions about your disability and also may require that you undergo psychiatric and medical evaluations to substantiate your claim. If you are turned down for benefits the first time, you may have to apply again and go to another court appearance in the near future. The process could take months or years to complete before you are awarded benefits.

Legal Representation

Given the fact that it can take a significant amount of time to be approved, you may fare better to hire a disability lawyer. A Michigan social security disability lawyer who practices in this aspect of law can help file your case and also represent you in court. Your legal counsel can compel the judge to consider your case fairly and also ensure that all of the necessary documentation is submitted in a timely manner. When people want to shorten the time they spend applying for disability, they often choose to hire a lawyer to help them.

Disability benefits provide financial relief after an illness or injury. Before you apply, you should learn about these four aspects of the application process.

Author information: Anica Oaks is a professional content and copywriter who graduated from the University of San Francisco. She loves dogs, the ocean, and anything outdoor-related. She was raised in a big family, so she’s used to putting things to a vote. Also, cartwheels are her specialty. You can connect with Anica here.

Friday Fun

This video is from a couple of years ago, but I didn’t use it then, so better late than never? Here’s a janitor’s revenge.

Money Isn’t The Only Issue In A Personal Injury Case


Getting injured is bound to lead to severe lifestyle changes, which is why personal injury lawsuits exist. Injured people are entitled have their medical bills paid by the liable party, as well as recoup wages lost as a result of the injury. Beyond these obvious financial injuries, a personal injury has other, almost intangible, effects.

If you’ve been hurt by personal injury, these are some examples of the losses you’ll incur:

Obvious Injury Effects: Amongst the most significant effects of a personal injury stands the cost of medical bills. The money spent on treatments and doctors are sometimes too much to handle. Therefore, it’s considered one of the most serious results of an injury.

Apart from that, though, you run into other implications which include losing earnings due to recovery time. It may even cover property damage, such as from a car accident. Cars are valuable and the wrong attorney may overlook that value in a court case. The Merman Law Firm in Houston says it’s important to “help you get your car fixed,” as well as “get you top dollar for your car accident injuries.”

Emotional Effects: If you are a vibrant person, the emotional implications of a personal injury are more distinct. Everyone does feel the emotional effects of injury, but it’s a more difficult transition for an active individual who is suddenly immobilized for recovery. Moreover, if a personal injury is permanent, the effects can sometimes lead to a loss of will. One’s will is replaced by disappointment and perhaps self-pity. The injured party may seek isolation and this could lead to depression, relationship problems, and other emotionally draining effects.

Defamation Effects: After a serious personal injury, it’s essential the injured party receive time off from work (and other duties such as school) to recover from the accident. It may not be immediately visible, but this time can have a negative effect on the injured person’s reputation at work.

Employers aren’t keen on productivity setbacks, and a job loss is possible, especially when the victim is destined for a long-term recovery. Over the long-term, the term injured may become a label. It could create career problems, or hold back a career that was previously heading in an upward direction. It’s important the injured party don’t give up, and also that attorneys do their best to prove exactly how much damage the accident has caused.

Social Effects: Last, but certainly not least, is the negative (and sometimes completely intangible) social interactions that sometimes occur post-injury. Specifically, the injured person is found to perform inadequately on a social level, which leads to low self-esteem.

These are normal reactions, born from the accident’s trauma and the lack of empathy in relationships. What’s actually upsetting is the fact that for brain personal injuries, the social impacts aren’t short-term. They have a longer effect. Sometimes the effects last forever, and friendships and other relationships are a sacrifice the injured person is forced to make.

Considering all of the above, it’s safe to assume that a personal injury does not only lead to financial problems, but also side effects concerning many aspects of the life of the injured person. It can feel like nothing is the same after an accident. These effects involve mostly alterations in the social encounters, in one’s career or on a deeper psychological level. What needs to be stressed, though, is that with care from people around, personal injury effects might gradually decrease to something the injured party can cope with.

This article is from Jenna Brown. Jenna is a freelance blogger who is mainly focused on business innovation and breaking stories in business. Jenna has been blogging since college where she studied marketing and has merged her love of keying stories into copy writing work as well as plenty of reading and writing for fun! Find and follow on her new Twitter here! Also seen here.

Celebrate Our Veterans Today


Today we honor our nation’s veterans. Please do at least one thing, even a small favor, to show your appreciation for the sacrifices these men and women have made for you.

Defective Airbags Being Sold Online


Bloomberg News reports that “an underground market is growing” online for unauthorized replacements for Takata’s recalled air bags. Jennifer Timian, chief of the NHTSA’s recall management division, said that the agency has “learned of defective air bags for sale on EBay Inc,” according to the article. She said that consumers should only buy replacement air bags from authorized dealers. Timian is quoted as saying, “Under no circumstances should a person purchase an air bag off the Internet, or from a salvage yard or any other unauthorized source.”

From the news release of the American Association for Justice.

5 Ways Injured Workers Can Make Sure Their Financial Needs Are Met

5 Ways Injured Workers can Make Sure their Financial Needs are Met

One of the biggest benefits of getting a job is getting health insurance. Unfortunately some workers have run into circumstances where they felt more like they got the health insurance to keep the job. Here are five ways to avoid the financial pitfalls of not being properly prepared in the case of workplace injuries.

Get familiar with short-term and long-term disability insurance beforehand

A majority of American adults are not investing in private, long-term disability insurance, according to a 2010 New York Times report. This may seem shocking, considering the Council for Disability Awareness states that, “Just over 1 in 4 of today’s 20 year-olds will become disabled before they retire.” It’s very possible that some workers think it just won’t happen to them. But unless an employee’s savings includes at least three years of savings — the duration of the average long-term disability claim — investing in short-term and long-term disability is generally a good idea.

Keep documentation of any small injuries

Something as small as a sty in the eye or a fall that leads to a swollen knee should be reported immediately to Human Resources and upper management. Do not give an employer an opportunity to wonder if the injury happened off-the-clock. If the employer and the employee become embattled in a legal dispute over injuries, then injury law firms (ex. Bachus & Schanker Law) may need to get involved. While it may seem backwards to take on legal expenses, seasoned attorneys may be able to help clients avoid additional health expenses in the long run, specifically if the employer is found liable for the incident.

Know whether employer has workers’ compensation insurance

According to the Bureau of Labor Statistics, private industry employees spent an average of $31.39 per hour worked for employee compensation in June of 2015. The average wage and salary was $21.82 per hour worked for 69.5 percent of these costs. But how would employees know if their employers are included in this bunch? The National Federation of Independent Business website gives a state-by-state rundown.

Consider a health savings account (HSA)

Assuming health and dental insurance are benefits with employers, co-payments and spending limits may help take on the brunt of health expenses. However, just as an auto insurance payment requires a certain amount be spent before the insurer will take care of the rest, so does the health care industry. Obviously an “accident” should come as a surprise, but having an HSA account could be a lifesaver in these circumstances. Some employers offer this option. So do banks, such as JP Morgan Chase and HSA Bank.

Sign up for a health insurance credit card

If all else fails, utilizing an emergency healthcare credit card, such as CareCredit, may not hurt to keep on hand. In the case of all of the above, it helps that HSA and health insurance credit cards must be used for medical and/or dental expenses so it doesn’t come with the same risk of overspending. Be wary of charges that could be pushed back, such as cosmetic health expenses, that aren’t mandatory.

While responsible spending and a nest egg are the best answer to any financial setback, an employer is aware that work injuries can happen. With proper record-keeping, reasonable savings and verifying benefits, workplace injuries don’t have to become a financial roller coaster.

This article is from Lizzie Weakley, a freelance writer from Columbus, Ohio. She went to college at The Ohio State University where she studied communications. She enjoys the outdoors and long walks in the park with her four-year-old husky Snowball.

Friday Fun


Whats the most embarrassing thing you’ve ever said? I’d hate to have to go through my very long list and choose one. But this list of totally inappropriate comments should give you some laughs.

NHTSA Warns 2015 Will Be a More Deadly Year for Drivers


Car Connection reports that the NHTSA shared “preliminary figures for the first three months of 2015” which “show around 7,500 deaths, significantly higher than last year’s estimated 6,850.” Accident fatalities are also up 9.5 percent. “Last year, the US had 0.99 roadway deaths per million miles driven,” the article reports, but “according to NHTSA, the first quarter of 2015 had a rate of 1.04 deaths per million miles.”

From the news release of the American Association for Justice.