Categories
Marriage

Is there such thing as an amicable separation?

It has recently been reported in the Daily Mail that comedian Jason Manford and his wife Catherine have agreed to go their separate ways after having been married for 6 years with 3 children.

The article refers to the fact that it has been an amicable split and they actually decided to separate a year ago after simply “growing apart” but have remained friends. Indeed as a matrimonial solicitor dealing with the breakdown of marriages and divorce on a daily basis, I have come across quite a few ‘amicable divorces’ over the years. The most amicable fact to rely on for a divorce would be 2 years separation and both parties consent to the divorce taking place.

This could be the route that Jason and Catherine could be taking. It is however a myth that divorcing on the basis of 2 years separation is quicker than relying on another fact such as adultery or unreasonable behaviour. All divorce proceedings follow the same procedure and should take the same amount of time.

There is also a common misconception that you can divorce someone on the basis of ‘irreconcilable differences’, which again would be a more amicable way to divorce your spouse, however that fact does not exist here. It exists in the USA and I believe  that if it were available in England and Wales, then most of the divorcing couples would issue a divorce petition based on ‘irreconcilable differences’. It would help to avoid inflaming an already difficult situation that divorcing couples find themselves in and there was an attempt to introduce a ‘no fault divorce’ in the 1996 Family Law Act, however it was rejected by Parliament. Therefore you can only rely on the facts of adultery and unreasonable behaviour if you wish to divorce on straight away as opposed to waiting 2 years or 5 years since separating.

Whilst I can definitely see why some couples may want to wait 2 years and issue an amicable divorce petition, most clients I speak to do not want to wait 2 years as they feel that their lives are being put on hold . There can also be risks in relation to the finances and parties acquiring assets since separation and whether their ex-spouse would have a claim to it or not. Whilst it is recommended for those that want to wait 2 years but wish to settle the finances that a separation agreement is prepared, this is not legally binding and it can be changed.

Categories
Family Law

Abortion and the Law

There are no uniform codes or model acts that govern abortion law, and each state is free to create laws that govern abortion within its own borders. With respect to Supreme Court rulings and federal legislation, there remains wide diversity among states regarding the interpretation and implementation of abortion rights and restrictions.

Landmark Cases

Prior to the Supreme Court ruling in Roe v. Wade in 1973, any state was free to make laws restricting or banning abortion. However, the Supreme Court ruled that banning abortion was unconstitutional, and a woman’s right to privacy, derived from the Fourteenth Amendment, included the right to have an abortion. Nevertheless, what the court did not say also impacted the state’s rights in a way that caused disunity from state to state. The Court did not say that a woman had a right to an abortion at any point in her pregnancy for any reason. Indeed, the Court acknowledged and affirmed that a state had the right to restrict abortions when fetal viability had been reached. An additional Supreme Court ruling in Planned Parenthood v. Casey (1992) prohibits a state from placing an undue burden on a woman seeking an abortion.

Federal Legislation

Two federal laws additionally impact abortion rights:

The Partial Birth Abortion Ban Act was signed into law by George W. Bush in 2003. This procedure involves the partial birth and killing of a fetus before completing full delivery.

The Unborn Victims of Violence Act also signed into law by President Bush in2004 recognizes the fetus as an “unborn child.” Many states have also adopted the concept of the “unborn child” as victims of violence and murder. Twenty-seven states define “unborn child” as a child at all stages of prenatal development. Nine additional states define “unborn child” using various standards.

Disunity among States

Language and definitions are frequently an issue when legislation is enacted or when laws are challenged in court. Judicial rulings, such as Roe v. Wade and other case law determining constitutionality and addressing issues such as “State’s rights”,  “undue burden” and “right to privacy” are complex and less than definitive in many cases. This intrinsic problem with language and interpretation of intent among other things lead to variations among state laws.

In matters of human life and personhood, the Supreme Court has declined to identify when life begins. Although there is a standard of viability, the care of preterm babies has continued to improve the viability. State laws that define viability will continue to face challenges. Furthermore, some states have tried to pass “personhood” legislation to give rights to unborn babies.

Laws that strictly regulate physicians and abortion providers, while not specifically addressing abortion, have been enacted in some states to limit the availability of abortions. For states wishing to limit abortion, this has become one method of doing so. These regulations and restrictions continue to face legal opposition from pro-choice advocates who often use the “undue burden” doctrine as a challenge.

All abortions are not necessarily legal. Various state laws have articles within their abortion statutes that define illegal abortion. Some are very broad, stating that any abortion that does not comply with the statutory requirements of legal abortion is illegal. West Virginia law has a more restrictive definition included in its criminal code stating that any abortion procedure other than that to save the life of the mother or child is illegal and is a felony.

Although the Supreme Court restricted states from banning abortion, there is no federal law that prohibits states from making law to further regulate abortion. States will continue to implement laws to regulate abortion according to the wishes of their citizens through the state legislative process.

Byline

Jonathan Sheridan is a freelance writer focusing on legal topics such as Family Law, Sexual Abuse of Children, DUI & Criminal Defense, Intellectual Property and other areas.

Categories
Family Law Finance

Signs that a Nursing Home is Being Negligent

elder neglectWe’ve always been told to “respect our elders”, but looking at the news and hearing the horrific stories of elder abuse, it’s clear that not everyone holds elders in high regards.  Elderly individuals, over the age of 60, are at higher risk for maltreatment and such elderly neglect takes place everywhere, but most often in the nursing home setting.  In nursing homes, residents are vulnerable as they often rely on others (such as nursing aides) to assist them with everyday living.  Unfortunately, many elders are physically, mentally, sexually, financially exploited, making them victims of a large and sometimes “silent” problem, elder abuse.

According to the Centers for Disease Control and Prevention (CDC), over 500,000 older adults (aged 60 +), in the U.S., are believed to be abused or neglected each year.  However, the startling and overwhelming statistics are most likely underestimated due to the number of elder abuse that is not reported.  Like many abuse victims, many elders are unable or afraid to report the abuse to police, family, friends, or others who can protect them.  Family and friends who have a loved one in a nursing home facility should stay involved, informed, and be on the lookout for any suspicious behavior in either the resident or a worker.

Warning Signs of Elder Abuse in a Nursing Home

When visiting a friend or family member in a nursing home pay attention to the way he/she looks and acts.  If you suspect elder abuse, report it.  Protect seniors by bringing suspected abuse to the attention of the appropriate authorities such as a local adult protective services agency.  Many people are afraid to report suspected abuse because they fear they might be wrong, but if you don’t report suspicious activity, your elderly loved one could continue to be abused and in worse cases, die because of the abuse.  Take action and report if you see, hear, or suspect the warning signs of neglect in a nursing home:

–          Your loved one might be Financially exploited if:

  • He/she has a lack of affordable amenities and comforts in their room.
  • Uncharacteristic or excessive giving of gifts or financial reimbursement for care and companionship.
  • The victim is not getting proper care to fulfill needs, even if money is available for such costs.
  • Has made legal or monetary transactions, but does not understand what they mean.

 

–          Your loved one may be a victim of physical or emotional abuse if he/she:

  • Has inadequately explained fractures, bruises, welts, cuts, sores, or burns
  • Unexplained sexually transmitted diseases
  • Unexplained or uncharacteristic changes in behavior, such as withdrawal from normal activities, or unexplained changes in alertness
  • Caregiver is verbally aggressive or demeaning, controlling, or uncaring

 

–          Your loved elder may be a victim of overall Neglect if he/she:

  • Lack of basic hygiene or appropriate clothing
  • Lack of food and basic needs
  • Lack of medical aids such as glasses, dentures, medication, hearing aids.
  • An individual with dementia is left unsupervised
  • An individual confined in bed is lacking care
  • The room is cluttered or dirty or in need of repairs and lacks amenities
  • Untreated bed sores or pressure ulcers (indication of lack of care)

Elder abuse and neglect in a nursing home affects thousands of innocent senior citizens each year.  Many suffer in silence because they are unable to communicate and they live in fear.  Be the voice for neglected elders.  Respect your elders; don’t turn your back on them.

 

Categories
Child Support Children Divorce Law Family Law

Occupy Mum Walks away from Family, Gains $85,000 in Divorce Settlement

Stacey Hessler, the mother who abandoned her four children, banker husband and warm bed in Florida to join protesters in the Financial District close to Zuccotti Park has made headlines again. This time, Hessler is in the news for divorcing her husband of 19 years, relinquishing custodial rights to him and literally taking him to the cleaners with a whopping $85,000 settlement. Many might recognize the stark irony of the divorce settlement. Here is a “professional protester” as the divorce filing lists her occupation, raking money in from the very institution she protests against on Wall Street! It is the height of contradiction. Listing her (ex) husband as a banker on an annual salary of $65,000, the ‘Occupy Wall Street’ employee’s annual income was recorded as $0 on the divorce filing initiated by her husband, Curtiss.

The reason for the divorce is reportedly listed as “irreconcilable differences”, which does not come as a surprise, given that Hessler’s chosen life style since abandoning her family to join Occupy has become significantly different. Chosen life style, divorce payout and other facts aside, Stacey Hessler raises, yet again, the issue that we are most concerned about at Provda Law Firm; the real casualties of divorce. Stacey has left four children without a mother to become a professional protester and to pursue her own interests. Divorce, one can safely assume, became the unavoidable for a variety of reasons; all associated with Hessler’s choice. While there is no scrap of evidence or fact to suggest that Curtiss, the ex-husband, will be unable to adequately cater for the financial, emotional and other needs of the children, the fact remains that they stand a higher risk of being psychologically affected by what must seem to them as a mother’s rejection. Research confirms that children from broken homes suffer emotional and behavioural needs more than their counterparts from homes where the parents remain together.

The direct implication is felt on society in many ways, including the vicious cycle in the relationships and marriages of many of the affected children. At Provda Law Firm, we encourage parents going through divorce to always put their children’s interests first; to think beyond the pain, hatred, anger, disappointment or any other negative emotion they have towards the other party and to focus on their children’s future. The salient question should be whether or not the other party is able to contribute positively to the children’s lives. An answer in the affirmative means that concerted effort must be put into ensuring that the children do not suffer more than they necessarily have to on account of the divorce.

Stacey Hessler may have abandoned her four children and husband, she may be nearly $90, 000 richer directly or indirectly from the institutions she now fervently protests against, she may be many things to different people, depending on the view point, however by giving custody of the children to her apparently more stable ex-husband, it would seem that she had their best interests at heart at the end of the day. Although some might say she has a rather funny way of showing it.

This article was written by Bruce Provda, a New York divorce attorney. For advice on divorce, child custody, support and maintenance as well as other related family law issues in the State of New York, call Bruce Provda at Provda Law Firm, 40 Wall Street, 11 Floor, New York, NY 10005, (212) 671-0936 or visit his divorce law website.

Categories
Divorce Law Family Law Marriage Pre-nuptial Agreements Separation Law

The Advantages –and Disadvantages– of Prenuptial Agreements

Getting married is one of the most exciting periods in life. The joy of spending life with your partner is constant, but while you may be euphoric, it’s important to come back to reality and consider the financial impact of your partnership. While prenuptial agreements can be a strong safeguard for your pre-marriage finances, they can cause painful emotions and feelings of resentments. Here are some of the pros and cons of prenuptial agreements.

What is a Prenuptial Agreement?
A prenuptial agreement is simply a legal contract that separates your pre-marriage finances from the ones you possess in a partnership. In the event of a separation or divorce, the prenuptial agreement protects your ownership over those finances. If you don’t have the protection of a prenuptial agreement, your pre-marriage financial assets are at risk of being split if a divorce does occur.

Financial Protection
This is the first big one. Being able to have in writing what you’d like to do with your money in the event of a divorce or death is serious protection. If you have children from a previous marriage or have experienced a costly divorce in the past, signing a prenuptial agreement can ensure that if things don’t go as planned, you’ll still be able to stay financially afloat. While it’s unpleasant to think that your wonderful partnership could end in divorce, keeping that in mind while signing a prenuptial agreement will help you realize it’s for your financial protection.

Trust Issues
This is the biggest downside: while there are no statistics on how many prenuptial agreements are signed per year, the divorce rate in the United States continues to hover around 45%. While no one can be sure if this is due to prenuptial agreements, asking your partner to sign such a document can make them feel alienated, suspicious, or betrayed. Be sure to carefully outline your concerns before broaching this subject with your loved one.

Security
Often times one of the main boons of marriage is the guaranteed financial security for the less affluent spouse, or even for the spouse who is unemployed or underemployed. If one partner enters the union without a large amount of assets, and chooses not to work during the marriage, in the event of a divorce that partner will still have access to his/her spouse’ s premarital finances. Upon signing a prenuptial agreement, if one partner enters the marriage wealthier than the other, it will stay that way if a separation is to occur. This agreement then helps to ensure that both parties are marrying for purposes other than financial security.

Emotional Issues
While it’s nice to believe that these issues can be looked at logically and rationally, setting aside emotions during this process can be a difficult task. While there are many partners out there who support the financial independence of their spouse, many might take this suggestion as an assumption that one party is only in it for the money. This can take an emotional toll on both partners from which it’s difficult to heal.

Choose Wisely
When it comes to prenuptial agreements, each scenario will be best suited by a different act. If you’ re unsure about what to do, talk over the issue with friends, family, and most importantly your spouse, in order to understand your needs and prepare for the future.

This article was contributed by Sandy Wallace, an aspiring lawyer who loves to share his far-reaching knowledge of law with anyone who will listen. Sandy writes on behalf a Denton divorce lawyer from Hammerlie Finley Law Firm –Texas’s passionate, personable divorce and family lawyers.

Editor’s note: See also our guide to some of the best Texas family lawyers here – based on reviews, ratings and more.

Categories
Domestic Violence Family Law

Effects Of Domestic Violence On Children – As Per Age Group:

Effects Of Domestic Violence On Children – As Per Age Group:

Exposure to domestic violence has negative effects on children. To properly understand these effects, it is important to first understand the dynamics of domestic violence. Domestic violence is prevalent in all groups of people regardless of age, education, race, occupational, social-economical and religious factors.Characteristically, it involves a series of repetitive abuse, including psychological, physical, economical and emotional abuse. The perpetrator uses violence to gain control and power through the use of humiliation, intimidation, and fear.

Children get affected by domestic violence differently at various developmental stages. This is because as they grow and develop both mentally and physically, they learn new things at each age. Being a victim or witnessing domestic violence can interfere with the child’s normal growth and threatens their sense of security.

Studies indicate that children who have been exposed to domestic violence have a greater likelihood of experiencing various difficulties than their peers.

These difficulties can be categorized into:

1. Emotional, social and behavioral problems:
Exposure to domestic violence by children is likely to make them anxious and depressed or exhibit antisocial and aggressive behavior. Other negative effects may include higher levels of hostility, low self-esteem, anger, disobedience and oppositional behavior; fear and withdrawal; and poor sibling, peer, and social relationships.2. Attitudinal and Cognitive and problems:
These children are likely to experience difficulties in school and have poor performance in assessments of motor, verbal and cognitive skills. Moreover, they are likely to have a slow cognitive development, limited problem solving skills, lack of conflict resolution skills, aggressive attitudes, and a rigid belief in gender stereotypes such as male domination.3. Long-term (Behavioral) Problems:

Studies indicate males exposed to domestic violence at a tender age are more likely to develop violent behavior; likewise, females are more likely to become victims.Effects Of Domestic Violence On Children – As Per Age Group:Unborn Child (Infants): 

Infants and toddlers learn through play and exploration, how to form secure attachments. If exposed to violence at this age, they learn that the parents are not likely to constantly respond to their needs which hinder the development of a strong bond between the parent and the infant. Thus, the child becomes afraid to explore their world, which interferes with play and slows down their learning process.

The effects to Infants include:


1. Emotional Effects: Hyper-excitability; Anxiety Tension and stress; Helplessness; Terrorized and Traumatized.
2. Cognitive Effects: Brain damage; Nervous system disorders and Developmental delays.
3. Physical Effects: Birth defects, forced abortion or miscarriage, low birth weight, premature birth, unwanted by parent and abandoned by parent.The effects to toddlers (children less than one year old):

1. Emotional Effects: Traumatized, jumpy, nervous, hyper-alert, anxious, stressed, and fearful; Emotional deprivation; and Strong need for safety.
2. Cognitive Effects: Unresponsive; Developmentally delayed.

3. Behavioral Effects: Colicky, excessive crying; Injuries and bruises; Chronic constipation; Eating problems; Sleep disturbances; Malnutrition; Digestive problems; Allergies/skin rashesPreschoolers (One To Five Years):Children at this age bracket have started learning how to express most of their emotions, including those of anger and aggression. Thus, children at this age living in situation where there is domestic violence can learn detrimental ways of expressing anger and frustration. Moreover they get confused with the mixed messages their parents are sending them; for instance, they are punished for talking rudely while their parents talk rudely to each other.

The effects to Preschoolers include:


1. Emotional Effects: Fearfulness; easily frustrated; anxiety; fearful of abuser; feels split between parents; hesitant and uncertain; low self-esteem, and feels powerless to protect self.
2. Cognitive Effects: Sleep disorders; disrespect for women; unable to focus; and developmentally delayed.
3. Behavioral Effects: Tantrums; models abusive behavior; mimics abuser’s behavior; parrots name-calling; bedwetting; spitting; acting out behaviors; slaps, kicks, punches, swears; tries to protect mother; protective toward younger children; breaks toys; bullies younger siblings; thumb sucking; and nervous habitsSchool-Age Children (Five To Twelve Years):

The children have a better sense of their own emotions and can also recognize the emotions of others. They are more conscious of their own actions and reactions towards violence inflicted to them and may worry about their father being jailed or their mother being harmed. This distracts the child development process which at this age revolves around social and academic success. They become distracted hindering their ability to learn in school. Moreover, they develop poor social skills and tend to pay more attention to negative responses from their teachers and peers and miss hearing positive responses leading to low self esteem. At this age group, the children begin to have multifaceted thoughts about what is right and wrong. Thus, they are more susceptible to learning and accepting biased, incorrect explanations to support violence.The effects to School-Age Children include:1. Emotional Effects: Cries easily or frequently; lack of trust; lack of normal feelings; feelings of despair; helplessness or hopelessness, lack of empathy or concern for others; and anger towards the parents, especially the mother.

2. Cognitive Effects: Learning disabilities or has special needs; suicidal thoughts; withdrawn or quiet; lack of focus and structure; attracted to cults or pornography; overly responsible or tries to be too adult; and lack of responsibility.

3. Behavioral Effects: Violence towards abuser; Destroys property; Tries to be in control; Violent acting out behavior; Perfectionism; Running away; Lack of boundaries and limitsAdolescents (Teenagers):These children are fully aware of what is right or wrong but have the need to have a sense of belonging. They experience similar problem that the school-age children undergo but at a higher level. They are characterized by secretive and guarded behavior about the situation at home and are also embarrassed of their family members. Thus, they do not invite friends over and are likely to spend most of their free time away from home. Aggression and Denial are the major ways of solving problems.

The effects to Adolescents Boys include:


1. Emotional Effects: Feelings of guilt and powerlessness; withdraws and shuts down; embarrassment and Shame; Needs to control; and Lack of friends.
2. Cognitive Effects: May drops out of school; school attendance problems; Suicidal thoughts; “Macho” attitudes; Thinks violence is okay in relationships;
3. Behavioral Effects: Uses violence to solve conflicts and problems; abuses alcohol and drugs; acting out behaviors; antisocial behaviors; suicidal; problems with relationships; self-harm behaviors; homicidal towards abuser; and sexual problems.The effects to Adolescents Girls include:

1. Emotional Effects: Distrustful of others or have trust issues; blames or hates mother; needy – wants to be taken care of and protected; restlessness and feelings of tension; Feels hopeless or helpless; Confused about role models; self-blame and feels guilt about abuse; manic-depressive and “Numbs out” emotionally.
2. Cognitive Effects: Looks for protection from a male figure; school work problems; Lack of self understanding; Lack of boundaries and limits; mimics or takes on others’ personalities; multiple or split personalities; and Problem with concentrating and focusing.
3. Behavioral Effects: Unable to function at home; Drug or alcohol abuse; Unable to function in relationships; Runs away from home; Pregnancy or early marriage; gets involved in prostitution; distorted perceptions of body and Eating disorders.

Author Bio:
Cally Greene is an online consultant for domestic violence lawyer at JoeyGilbertLaw. She likes blogging about Legal issues,Business law,Family Law and other Legal advice.
You can contact her via Twitter.

Categories
Finance

Advantages and Disadvantages of Going Bankrupt

bankrupt

Believe it or not, people who go bankrupt do enjoy some advantages. Bankruptcy, in fact, exists so that people who make a mistake financially don’t have their entire life ruined for the rest of their existence. It gives people an opportunity to get a fresh start, to do things right and, after the bankruptcy has gotten off of their credit report, to start rebuilding their credit without having to repair a tremendous amount of damage that they may have caused in their youth. There are disadvantages to going bankrupt, as well, and you want to take these into account if you’re considering filing for bankruptcy.

Collectors Go Away

If you are considering filing bankruptcy, it’s likely that your phone is ringing off the hook with collection agents trying to get money out of you. One of the advantages of filing for bankruptcy is that you get a stay order against those collectors. Until your bankruptcy is resolved, those collectors cannot bother you about the bills you have with them without contacting the court first.

While this may seem like a small benefit from the outside, it is a huge benefit. It allows you to get time to consider your situation, to put together your bankruptcy claim and to not be constantly stressed by people who are reminding you incessantly of debt about which you are already well aware.

Keep Your Home

There are accommodations that allow people to stay in their homes if they declare bankruptcy. This can allow you time to get back in the good graces of your mortgage holder and ensure that you don’t end up out on the street. For some families, this is absolutely the best move possible.

Disadvantages

There are basically two types of bankruptcy that individuals can file for: Chapter 7 and Chapter 13. In a Chapter 7 bankruptcy, all of the existing debt that you have is liquidated, except for those debts that are guaranteed. Student loans, for instance, do not go away. In a Chapter 13 bankruptcy, you still pay off your debts, but you pay them off through the courts at a rate that is affordable for you.

The disadvantage to both of these types of bankruptcy is that they do stay on your credit report. It can make it much more difficult for you to get lending and, in some cases, to even get an apartment. Compared to having your wages garnished to pay back credit cards with ridiculous interest rates or other unsecured debts, however, bankruptcy may actually be preferable.

Talking to an attorney who handles bankruptcy law is the best way to determine whether or not it’s time for you to go ahead and file bankruptcy.

Categories
Claims Uncategorized

The Dangers of Aggressive Driving

aggressive driverAggressive driving: everyone has seen it. It’s the driver who gets too close behind other cars to try to push them into going faster. It’s the driver who speeds through school zones because they’re in a rush. It’s the driver who makes lane changes with too little room to do so, forcing other drivers to accommodate the aggressive driver’s poor driving. There are a few things that you can generally say about aggressive drivers and be assured that you’re correct:

 

  • They’re not as good at driving as they think
  • They endanger everyone on the road
  • They take risks that are downright stupid

 

What do you do with these drivers? Avoid them, if you can. You should also be aware of the risks that they do present so that you can anticipate what you might face when you run into one.

 

The Risks

According to the NHTSA, 60 percent of drivers that they surveyed for a study said that they feel that unsafe driving is a threat to them and their families. This is not too surprising. The NHTSA identifies some specific problems with aggressive drivers that good drivers should be aware of. For instance:

 

  • Aggressive drivers tend to not be concerned with other motorists
  • Aggressive drivers sometimes use the anonymity provided by their vehicles to vent aggression at other drivers
  • They are risk takers
  • They routinely break the law on the roads

 

All of this boils down to a portrait of a driver who is angry, a poor driver, who doesn’t really care about the welfare of other drivers and who takes risks, a habit which may be exacerbated by their frustration. These drivers pose risks that are too numerous to name one by one, but here are some of them.

 

Rear End Collisions

Aggressive drivers will ride your bumper, driving too fast and sometimes end up colliding with the vehicles in front of them.

 

Intersection Collisions

These drivers oftentimes disobey stop signs and red lights, causing wrecks and serious injuries to other drivers.

 

Violence

Aggressive drivers are typically angry, frustrated individuals who may react with anger if they are involved in a crash, even if they caused it. Be wary of this if you’re in a wreck with one.

 

Dealing with the Threat

Don’t retaliate. The best way to deal with aggressive drivers is to just let them go by and get out of their way. They can’t hurt you if you’re not near their vehicle. Aggressive driving is negligent. If you’re harmed by an aggressive driver, contact a car accident lawyer about filing a lawsuit to get compensation. No matter how much of a rush they were in or how good a driver they thought they were, aggressive drivers are responsible when they harm other motorists.

Categories
Family Law Finance

What is Balance Billing…Are you a Victim?

balance billingJanet, a professional accountant, was suffering from severe pain in her wrists, suspecting she had carpal tunnel syndrome from her years of repetitive computer tasks.  With the recommendation of a friend, Janet found a surgeon who worked at the hospital in her insurance network.  After she met with the recommended surgeon, she was more confident and happy with him than other surgeons she had talked to.  After her successful surgery, Janet was able to return back to work sooner than she’d expected.  Pleased with her progress and fast healing, Janet was happy that she didn’t wait any longer to have her debilitating condition fixed.  About a month after her surgery, Janet had received bills in the mail to cover some costs of her surgery.  Janet was confused as she made sure she chose the right hospital in her network so that the surgery would be covered, in full, by her insurance.  Upon further investigation, Janet realized that the surgeon who performed the surgery was not part of her insurance network even though he worked in a hospital that was in her network.  The bill that Janet received is called balance billing and it occurs when a health care provider (in this case, Janet’s surgeon) tries to collect money directly from a patient after getting partial reimbursement from an insurance company.  Janet knows that “balance billing” is illegal for Medicare recipients, but she’s not sure if it is legal for her private insurance company. 

How to Avoid a “Balance Billing” Nightmare

If you have recently become a victim of balance billing, there may not be a lot you can do other than refuse to pay the bill or seek legal advice.  The best way to avoid balance billing is to work out all of the details before you are billed for a medical procedure, exam, or hospital stay.

–          Choose within Your Network:  Sometimes in the event of an emergency, it is not possible to be treated by a health provider in your network, but if you are in charge of choosing a physician or surgeon (for example), you should make sure they are in your network.  Even if they work in a facility that is in your network, the individual doctor may not be in the network.  While you may want to go with a doctor that you have heard so many good things about, make sure he/she is in your network otherwise you may have to prepare to pay out of pocket.

 

–          Verify the Person is in Your Network:  If you rely on the information that comes in your insurance packet, it may be incorrect or even outdated.  When choosing a medical professional, do not go by what you read or see in a book or on the internet.  Call the office and double check that he/she is part of your insurance network.  Failure to double check might leave you with an unexpected bill.

 

–          Don’t Fear Price Negotiation:  You may be forced to visit a specialist who is not in your network.  If this is the case, try to find out the bill for your procedure.  According to a patient advocate, Jane Cooper, after you find out how much your bill will be, check with your insurer to see how it matches with the out-of-network service pay.  A patient, who is prepared with this important information, may be able to negotiate successfully with a doctor.   If you are stuck with balance billing, try to negotiate a payment plan to keep your bill from heading to collections.  If you are able or need to, also consider talking with your insurance company to see if they will be willing to front some of the balance bill.

 

“Balance Billing” can be an unwelcome and financially frustrating surprise.  If you are recovering from an accident or a medical procedure, your focus should revolve around your healing not the overwhelming worry of how you’ll cover the bill.  The doctor’s may be in control of your health, don’t let them control your finances!

Categories
Child Custody Children Family Law Separation Law

Mediation takes a front seat with a boost of government funding

After the recent cuts to legal aid the government has taken steps to redress the balance in favour of separated parents by announcing £6.5 million of support. The money will help over a quarter of a million separated parents throughout Britain, funding pioneering and innovative support to help them work together for the sake of their children.

The new funding has been awarded to seven voluntary and third sector organisations and will give around 280,000 separated families targeted help to work together in their children’s interests. The funding is part of £20 million the government has dedicated to helping separated families, as it attempts to provide as much support to out of court settlements as possible following the large cuts to legal aid. The coalition will hope that this extra funding will prevent warring couples from representing themselves in court, which slows down the legal process and often results in vitriolic testimonies against former partners. Taking couples away out of this confrontational environment should create a more constructive atmosphere that is much less harmful to any children involved.

The government funding has been awarded to projects in Powys, Oxfordshire, Cheshire, Newcastle, Warwickshire, Scotland, Kent, Stirlingshire, Angus, Birmingham and the West Midlands. The projects include an online tool that provides coaching to separated couples and face to face guidance and mediation projects to help low income couples. Alongside the schemes are plans for parenting classes for teenage mums and dads, counselling and therapy projects and specialist support for those who live in fear of their ex-partners.

The focus on providing mediation services highlights the government’s desire to protect the interests of children in these situations. Because mediation is focused on helping couples resolve their differences amicably there is less risk of the separation being hostile as it can often be when taken through the court system. Children will be better off in a family where parents are on good terms and focussed on being the best possible parents to their children, rather than looking after their own personal interests.

It will be some time before we can assess the impact of the government’s latest efforts to give families an alternative to going through the court system. Whilst the cuts to legal aid may help to cut the deficit in the long term, critics of the move will maintain that in many cases mediation is simply not viable as an option for those separating. In many relationships communication deteriorates to such an extent that mediation will not help and court proceedings are ultimately required. However this latest round of funding is focussed on helping parents re-engage with each other no matter how bad their relationship has become. Legal aid is no longer a reality for many separated families, and they will have to decide if they want what is best for their children before completely rejecting family mediation.

About the author: Ramsdens Solicitors offers help settling child custody disputes inside and outside of court.

Categories
Claims Family Law

Drunk Driving: Increased or Decreased in the Last 5 Years?

One Friday night, Linda met up with some co-workers for appetizers, trivia and a few cocktails.  At the end of the night, one friend called a cab, Linda had one drink in a 3 hour period, and another friend, Joni, who left without saying good-bye, had 3 or 4 margaritas.  When Linda noticed that Joni had left the restaurant, she tried to stop her from leaving the parking lot, but her car was already gone.  Joni has a bad and dangerous habit of driving while drunk, but promises she won’t do it each time they go out for drinks.  The next morning, Linda got a call from Joni, who was calling from the police station.  Joni had been pulled over for suspicious driving, was given a breathalyzer, and was taken to jail with a BAC of 0.100 (well over the legal limit of 0.08).  After receiving a DWI, Joni told Linda that she was surprised that she had been pulled over, as she had driven at least 3 dozen times while legally drunk.  “I drive fine!” she told Linda, “The only reason I swerved was because I was trying to make a phone call.”  Linda knew that Joni’s drinking behavior was problematic and urged her to seek help.  Had Joni not been pulled over by police, she could have been responsible for the injuries or death of an innocent victim.

The Drunk Driving Epidemic

According to the Centers for Disease Control and Prevention (CDC), the average drunk driver has driven 80 times, while intoxicated, before the first arrest.  Drunk driving is expensive (an average of $500 per adult/year) and happens far too frequently (1-in-3 people will be involved in an alcohol related crash in their lifetime).  Additionally, drunk driving is responsible for thousands of crash-related injuries and deaths each year.  Fortunately, drunk driving incidents have decreased in the last 5 years.  In 2005, there were 13, 582 drunk driving related fatalities, but five years later, in 2010, there were 10, 228.  Reports show that the number of fatalities and injuries continue to decrease.  While thousands of drunk driving related injuries and deaths are still far too many, it seems as though drivers are finally starting to “wise up” and/or enforcement is becoming stricter.  Either way, the numbers show that more lives are being spared on our roadways.  According to the U.S. Department of Transportation (DOT), the decrease in drunk driving incidents can be partly attributed to drunk driving awareness and enforcement efforts such as the Zero Tolerance Laws.  Additionally, among major crimes, driving under the influence (DUI) has one of the highest arrest rates with more than 1.4 million DUI arrests in 2010.  High rates of arrests are potentially preventing drunk driving related incidents before they occur.

Just because drunk driving, overall, has decreased, it does not mean that you should start or continue to drive while under the influence.  Drunk driving is dangerous and very difficult.  When you are impaired, you’re driving becomes impaired.  Reaction time slows down, judgment is poor, and depth perception is inaccurate, which can all lead to an accident that could result in injuries or even death, leaving YOU with the legal ramifications.  Don’t take the risk, don’t increase the problem, don’t drink and drive!

Categories
Divorce Law

Divorce Basics

Divorce is never easy for you or your family. At the end of the day you are divorcing your spouse; not your home, kids, or bank accounts. Here is a little foundation on what is needed to begin the steps of divorce in Alabama.

 Starting the process

Once you and your spouse have decided to file for divorce, where do you go from there? The Birmingham attorney’s at Parkman & White are experienced Alabama divorce lawyers and will help you through this life event.

The Requirements

In order to get a legal divorce in the State of Alabama at least one of the spouses must have been a legal resident of Alabama for a minimum of 6 months prior to filing for the divorce.

 Legal ground for divorce

Alabama requires that the filing party list a reason for the termination of the marriage or divorce. In Alabama spouses can file a “no fault divorce” where the marriage was bound to end on its own terms. Or a party can list that the divorce is due to the other party’s fault, this requires the filing party to present evidence of the fault.

  • Adultery
  • Crimes against nature
  • Spouse has been out of the home for at least 1 year
  • Spouse has been in jail for over two years
  • Physical abuse
  • Confinement to a mental hospital for over 5 years
  • Wife was pregnant at the time of marriage without the husbands knowledge
  • Drug or alcohol addiction

 How long does the process take?

Divorce can be a long and painful process. Thankfully the Birmingham divorce attorneys at Parkman & White have lots of successful divorce law experience and can help you navigate through the process. No-fault divorces are generally a shorter process than contested divorces. Marriages with children and considerable assets also extend the process period. Each divorce is unique if the divorce is a faulted one; there are a number of children, and a high amount of assets the divorce period can extend several months.

Categories
Child Custody Child Support Children Divorce Law Family Law Property issues

A Tampa Collaborative Divorce Can Save You Money

When most people think of divorce, they envision scenes from War of the Roses or Kramer vs. Kramer. Yet more people in Tampa Bay are learning that there is another way, collaborative divorce, which is just a sensible method to resolve private family disputes. However, just as mediation was characterized in the 1980’s and 1990’s as a rich person’s option, many people think that the collaborative process is only for the very wealthy. Not only attorneys, but also a collaborative facilitator and financial professional are retained, so only the very rich can afford the collaborative model, right?

Wrong.

A four year study conducted by the International Academy of Collaborative Professionals found that 87% of female participants and 47% of male participants of collaborative family law cases had an annual income of less than $100,000.

Though the collaborative process may not be the cheapest in all cases, it has a substantial opportunity to save you money as compared to the courtroom battles we have all come to associate with divorce.

First, child issues, such as custody schedules and decision-making authority, are some of the most emotional and costliest issues in family law matters. Lawyers in courtroom cases tend to prepare interrogatories (questions) to be answered under penalty of perjury, set depositions, conduct opposition research to put the other spouse in the worst possible light, and prepare for trial. Attorneys’ invoices pile up along each stage of this process. Alternatively, these fees and costs can be greatly reduced in the collaborative process where facilitators, who usually are licensed mental health professionals, can cut through the clutter of emotionally-charged issues and bring the clients (and lawyers) to focus on the future and best interests of the children.

Similarly, a financial professional (who is usually either an accountant or financial planner) adds cost-saving value to the process. In litigated cases, lawyers prepare “requests for production of documents and things” that demand reams of financial documents which could conceivably be relevant. Searching for those documents cost clients tremendous time and money while, when received, the requesting attorney will spend countless billable hours meticulously combing through the documents. In the collaborative process, on the other hand, the financial professional will only request documents that are necessary to make an informed settlement option. His or her expertise in finances enables the financial professional to review and assess the documents and develop settlement options more quickly (and often times at a lower rate) than attorneys.

Finally, the dirty little secret in family law is that the vast majority of litigation cases eventually settle. However, because having a judge decide on the parties’ personal matters always remains a threat, in traditional courtroom divorce the attorneys will always work on two tracks: (i) attempt to settle the case while (ii) conducting opposition research and preparing for the courtroom battle in case the parties cannot come to an agreement. In the collaborative process, attorneys are retained solely for the purpose of settlement and are contractually barred from taking disputes to be decided in court, and so they are not racking up those billable hours planning to fight it out in court.

Now, back to the question, is collaborative divorce only for the wealthy? Absolutely not, and I would be happy to speak with you and talk more about how the process can help your family.

If you have questions regarding how a Tampa Bay collaborative divorce process can help you, schedule a consultation with attorney Adam B. Cordover at (813) 443-0615 or fill out our contact form.

Adam B. Cordover is Vice President of the Collaborative Divorce Institute of Tampa Bay and is a member of the International Academy of Collaborative Professionals. Adam spearheaded the taskforce that drafted the Hillsborough County collaborative family practice administrative order signed by Chief Judge Manuel Menendez.

Categories
Child Custody

Child Custody: Father’s Rights

A Huffington Post article highlights the often contentious nature of arguments over child custody. As the article states, when children are involved, a divorce is not the end of a couple’s relationship; they will be joined through their children for the rest of their lives. A well-developed child custody plan and a well-defined child support agreement can go a long way toward keeping things civil and keeping the children out of the middle of disagreements.

Traditionally, women have been awarded primary custody. Today, a father’s rights will be taken into account, even if it requires an experienced divorce attorney to ensure that it is so. What’s critical is the delicate balance between child custody and child support. Awarding custody to a parent who simply wants to support money can be a disaster for both the child and the parents. Similarly, a newly single parent, mothers in particular, must adjust to the fact that they will likely be returning to the working world and/or working more hours than ever before.

Intellectually, parents on the cusp of single-parenthood get it. They just often fail to fully appreciate the reality. Too often, whether out of spite or a belief that they are right, we see a parent fight joint custody. After winning, they are forced to allow their spouse more visitation or hire childcare! Raising children is hard. Divorce doesn’t make it any easier.

Custody law in most, if not all states do not favor either parent. Rather, it seeks to award custody based on what’s in the best interest of the child.

A best-interest determination can be based on a number of factors, including:

  • Which parent has been the main caregiver.
  • A parent’s parenting skills and ability to provide.
  • A parent’s mental and physical health.
  • Any domestic violence history.
  • Parental work schedules.
  • Family relationship dynamics.
  • Child’s wishes (depending on age).
  • A parent’s ability to cooperate with a former spouse.

A parent’s relationship with a child is a precious gift. An experienced divorce attorney must protect that relationship while seeking to assist both parent and child in making as smooth a transition as possible.

Categories
Family Law

Is family mediation right for me?

Family mediation is a useful alternative to the courts for divorcing couples. It can save time, money and stress, whilst providing an out-of-court solution that both halves of a couple agree is fair.

The government has thrown their weight behind this solution, although they have stopped short of making it compulsory. Nevertheless, it is proving to be an increasingly popular method of sorting out disputes surrounding custody, finances or the division of assets.

What is family mediation?

Family mediation involves both halves of a couple attending meetings with a professional mediator. In a calm and relaxed environment, the three of them will thrash out the terms and conditions of their divorce.

Professional mediators are trained to be completely unbiased and are able to offer useful advice which can prevent couples from having to go through the stress of a courtroom battle.

If a couple is able to agree terms through mediation sessions, they will be drafted into a summary for the couple’s solicitors to run the rule over and, ultimately, a legally binding document can be produced.

Mediation sessions allow divorcing couples to separate their assets at a much cheaper cost. It can also speed up the divorce process quite dramatically. The government is happy for court schedules to be freed up and separating couples are generally over the moon if their divorce is made quite a bit easier.

Limitations

Unfortunately, family mediation is not for everyone. Both halves of a couple have to agree to attend mediation sessions and be willing to listen to their mediator’s advice. Those who are too stubborn to do this will be unlikely to come to an agreement and are ultimately wasting their time and money. Cases which involve domestic violence or heavy drug use are unlikely to be suitable for mediation sessions.

It’s also worth noting that mediators are unable to offer legal advice, meaning it is often appropriate to seek help from a solicitor throughout the case. This ensures that both halves of a couple understand all the topics that are discussed and are fully aware of the implications of agreeing with the mediator.

If either half of the couple is looking to get one over on their spouse and ‘win’ the verdict, then mediation is unlikely to prove effective. These sessions are only for those who are looking for an amicable divorce.

The future

One of the major criticisms of family mediation is that it encourages those who would probably clean up in the courts to settle. For some, this isn’t necessarily a bad thing. It would appear that this was a boundary to making family mediation compulsory.

Nevertheless, family justice minister Lord McNally is adamant that mediation will play an even bigger role when settling family disputes in the future.

In 2013, he told a Family Mediation Council conference that their “time is now” and that they have a “once in a generation opportunity” to raise the profile of their profession.

So, regardless of whether it is made compulsory, it could be a safe bet that we could witness more and more couples divorcing outside of court in the future.

Categories
Family Law

What rights do the family have when someone is sectioned?

What rights do the family have when someone is sectioned?

When someone is sectioned under the Mental Health Act “the Act”, it is often a distressing and confusing time for family members.  The Act does however give family members certain important rights.

Who is the nearest relative?

The starting point is to decide who is the patient’s “nearest relative”– this is the family member who has rights under the Act.  The “nearest relative” is decided by working down a list:

  • husband, wife or civil partner
  • a partner who has been living with the patient for more than six months
  • son or daughter
  • mother or father
  • brother or sister
  • grandparent
  • grandchild
  • aunt or uncle
  • nephew or niece
  • anyone else the patient has been living with for at least five years

What rights does the nearest relative have?

  • To order the discharge of a patient detained under section 2 or 3.
  • To be consulted prior to admission of their relative under section 3.
  • To be informed of a relative’s detention and the patient’s rights.
  • To make an application to admit their relative under section 2 or 3.
  • To be notified of the forthcoming discharge of the relative (unless the relative requests that information is not supplied).

Of these, the first two are the most significant.

To order discharge or not?

The nearest relative can order a patient’s discharge by writing to the Hospital Mangers.  If the patient’s doctor does not object within 72 hours, the patient will be discharged.  The patient’s doctor can bar the order for discharge if they consider that if discharged, the patient would be likely to act in a manner dangerous to themselves or others.  If a barring order is issued by the doctor, the patient will not be discharged and a Hospital Managers Meeting, which has the power to discharge the patient, will hear the case.

If the Hospital Managers do not discharge the patient, the nearest relative can in some cases, apply for a tribunal which will consider the case and can discharge the patient.

The discharge rights are very important but should be used responsibly.  If the discharge has been barred, the nearest relative cannot order a discharge again for another 6 months from the barring order.  A  nearest relative who has ordered discharge without having regard to the welfare of the patient can be ‘displaced’ so that they are no longer the patient’s nearest relative and will not have the associated rights.

The decision about whether to exercise this right is a very difficult one and can cause family conflict.  Understandably, some patients want their nearest relative to order discharge, but if the nearest relative does not think that is in the patient’s interests saying no can be very difficult.

Consultation with Nearest Relative

For Section 2: the nearest relative must, either before or within a reasonable time after, be informed that the patient is to be/has been detained.

For Section 3: The nearest relative must be consulted (unless to do so isn’t practicable or would involve unreasonable delay) before the section 3 application is made and if the nearest relative objects the section cannot go ahead.  The consultation is considered an important protection and so mere inconvenience isn’t a good reason not to consult the nearest relative.

If either of these consultations do not take place then the detention could be unlawful.

This guide to family law was provided by the family law team at Cartwright King Solicitors.

Categories
Child Custody

Canadian divorce law: getting to understand child custody

After a divorce, families have to go through very hard moments. One of the two parents, for example, will have to leave the home and find a new place to live. The children could live very high stress because of a change in their living habits and the disappearance of a parent. Another stressful subject is child custody: who should take care of the kids after the divorce? This question tears apart many families and its answer vary from a country to another. If you are from Canada, the following article could give you basic insights on the subject.

How is the custody decision taken?

If there is a disagreement between the two parents and their divorce lawyer in regards to who will get the custody, an assessor could have to interview the parents in order to evaluate their parenting abilities. He will also visit the environment in which the child would live and analyze if it is suitable for him. After talking with the child to find out about his preferences, if he believes he would need extra information to make a good decision, the assessor can also discuss with relatives or professionals who have been in contact with the child.

This professional, though, cannot force the court to take a decision: he will only formulate recommendations. Sometimes, the judge will only hear out the different parties without hiring a third party to help. The opinion of an adolescent could be considered more important than the opinion of a child, even though some parents will play tricks in order to influence it.

The types of child custody

Based on each familial situation, the judge may decide to establish different kinds of custodies. Here are the four possible outcomes:

Sole custody: After hearing both parties, the judge may decide that only one parent should take care of the children. This parent will have full custody and will be entitled to taking all the main decisions regarding the children’s life.

Joint custody: In this case, the two parents will have to take care of the children. Sometimes, the father will be in charge of them one weekend out of two, for example.

Shared custody: Similar to joint custody, this main different of this alternative is that both parents will take care of at least 40% of the children’s custody.

Split custody: Even though split custody is pretty rare as it may disturb a family’s cohesion, it still exists. It means that the different children’s custody will be separated between the two parents.

Visitation rights

Most people will at least receive access to their children even if they do not get custody. Most of the time, these will be part of an agreement between the two parents. Two reasons could force the court to remove visitation rights: if abuses have occurred or if one’s parenting abilities are judged to be insufficient. Supervised access could still be granted in such situations, if the court agrees to it.

Relocation issues

In conclusion, take note that parents who received custody of a child cannot easily move away with him. If the other parent disagrees, an application will have to be filed to explain to the judge why it would be in the child’s interests to move away. If the application is able to prove that the family’s life will be better off after the relocation, for example if the parent has found a much better job elsewhere, it could be accepted by the judge.

Categories
Divorce Law Finance

Protecting Your Assets During a Divorce

protect your assets divorceWhen John and Emily married 15 years ago, they both thought the marriage would last a lifetime.  After 10 years in a colonial-style home, 2 children and 3 dogs, their marriage looked picture perfect, especially with the white picket fence that surrounded Emily’s prize winning roses.  Last year, John lost some investments and started gambling to ease his stress.  His secret gambling made financial issues even worse.  Emily, unaware of their family’s financial distress, continued her duties as a homemaker and volunteering at her daughter’s school.  Had Emily known of the financial distress, she would have taken a job to help ease some of the debt, but because John was always in charge of finances, Emily had no idea of how bad their situation was.  One weekend, John had gone on a “business trip” (which ended up being an expensive trip to Las Vegas) and Emily was unable to withdraw funds from an ATM machine.  Shortly after John’s unsuccessful gambling trip, there marriage began to fall apart and divorce seemed to be the best option for their young children.  Because Emily has little control of their money, she doesn’t know how to proceed with protecting her assets during the divorce. Charles Ullman and Associates understands that during divorce, life has been turned upside down and can cause financial and emotionally challenging moments.  What can Emily do?

Avoid Losing Everything: Protect Your Assets

Often times, in a marriage, one spouse takes charge of finances. Unfortunately, in the event of divorce, the other spouse has no idea how to deal with their finances, leaving her/him at great risk for financial distress after a divorce.  Protecting your assets during divorce can make the whole process a little less stressful:

  • Familiarize Yourself with Financial Statements:  Financial statements, tax forms and other important financial paperwork can be overwhelming, hard to organize, and even harder to understand, but it’s helpful to know how your household’s income is being spent.  Even if you are not the “breadwinner”, you have the right to know where the money goes.  If you find something suspicious or something you don’t understand (and don’t feel comfortable confronting your soon-to-be ex), talk to a financial planner, lawyer or accountant.  Additionally, make sure you make copies of all the financial information and keep it in a safe place.  When you meet with your divorce lawyer, he/she will help you decide what information you will need for your settlement.  It’s better to be over prepared than not.

 

  • Establish Your Own Credit:  If you have a shared credit account with your spouse, it’s important to pay close attention to credit card statements, as one spouse may use a credit card more often than the other.  If your spouse has poor credit, it may affect you, even after the divorce.  If you are able, try to get your own credit card account before you divorce.  While may stay-at-home, non-income earning spouses find it difficult to establish credit, The Credit Card Accountability Responsibility and Disclosure Act (CARD Act) made changes allowing non-working spouses set up their own line of credit, according to the Consumer Financial Protection Bureau.  Additionally, it may be wise (if you don’t already) to set up your own bank account.

 

  • Make Sure Your Name is One Everything You Own with Your Spouse:  Depending on what you purchased together, if it is a valuable asset, make sure that your signature (as proof of part ownership) is on all the proper documents.

Divorce can be a financially, emotionally, and mentally exhausting process.  While you should always have a good handle on your finances, even if you don’t make all the money, it is even more important during the separation or divorce process.  Don’t let your divorce leave you penniless and powerless; get your documents in order!

Categories
Family Law

The Best Nursing Homes in the U.S.

nursing home careEach year, the U.S. News and World Report gathers a list of the best nursing homes around the country. A total of 39 facilities made the cut in 2012, representing the top-notch homes around the nation.  One in seven Americans will spend time in a nursing home this year. This country has approximately 16,000 different facilities around the country, and the U.S. News and World Report uses government analysis to name the best homes. Choosing a home for your loved one is a difficult and emotionally-charged decision and one that should be made carefully.

What’s In A Good Nursing Home?

The U.S. Centers for Medicare and Medicaid Services set the standards for nursing home facilities around the country and evaluate them on an annual basis. The government considers any facility with 24-hour nursing care and medical services to be a nursing home. State agencies carry out regular inspections of the facilities, and that data is transmitted to the CMS.

Ranking Nursing Homes

CMS ranks nursing homes between 1 and 5 stars. In addition to the state-level inspections, homes are evaluated on their ability to provide enough nurses for the population inside the nursing home, health inspection reports, and the quality of care administered at the facility.  The U.S. News and World Report data breaks down from this award of five stars to share more information about the quality at each facility. To receive a perfect score of 15, a home must have received a 5 from CMS and scores of 5 in each of the underlying elements mentioned above. Those homes with a perfect score make up the top tier.

  • Nurse staffing levels: The CMS evaluates this data by looking at the average number of nurses available for the patients on a daily basis. This includes registered nurses, licensed vocational nurses, and certified nurse aides.
  • Health inspections: All nursing homes are required to accept Medicaid and Medicare patients, so CMS conducts health inspections every 12 to 15 months. In addition, any health-related complaints from residents are fully explored by CMS on a regular basis.
  • Care quality: Nursing homes are required by CMS to produce clinical data going back three quarters showing the history of all Medicare and Medicaid patients.  These data reports include any actions taken by the staff to physically restrain an individual as well are more general information, like chronic health issues.

 

How To Find a Top Nursing Home

The U.S. News and World Report site is very helpful in breaking down the best nursing homes around the country and also finding the best facilities by state. Location is important when choosing a home, and the detail collected in these reports can help you avoid facilities that are known for nursing home neglect. Combine this data with research of your own about each facility to find the best place for your loved one.

Categories
Family Law Finance

Injured On The Job? Workers Compensation Procedures

Most companies are required to maintain workers compensation coverage for their employees. Injuries, illnesses, or exposure to dangerous chemicals can make cause damage to an employee and lay the grounds for a workers’ compensation claim. The injuries covered under this policy can be minor or major. One are that is not covered under this general liability coverage is under the coming and going rule. This rule references any injuries that occurred on the commute to or from the work-site. Although these injuries would not be covered under a workers’ compensation claim, other injuries that occur while transporting goods, traveling, or running errands for your employer may be covered.

First Steps: File A Claim

The first step when you have been injured on the job is to file a workers compensation claim. Your supervisor or boss will provide you with the proper claim form to complete. If your employer contests the claim, a court hearing will be scheduled. It’s very important that you file your claim form as soon as possible after the injury. Some of the more long-term injuries from the incident may not appear until a few weeks or months after the initial accident, which is why it’s so important to have an attorney representing her interest in court. If you need an attorney, the time is now to contact Salvi Law.

What Happens Next?

After you have filed a claim, the insurance company will select a doctor to perform an independent medical examination. Preparing for this exam is incredibly important, since the doctor will send a report to the insurance company that is used to generate an offer for your compensation. Write notes about the appointment after it is over, and come prepared with your own list of questions for the doctor. Do not underestimate the severity of your symptoms during this appointment.

What Happens If My Claim Is Approved?

In general, the monetary payment under an approved workers compensation claim will represent up to 66% of your typical income, but what sets workers compensation apart is that these monies are tax-free. Since there are no taxes on these funds, it’s likely that your payment will be similar to your former income. All medical expenses will also be covered under a workers’ compensation claim, so long as those medical expenses are related to the workplace injury.

Should I Accept a Settlement?

If a worker has been on long-term disability for some time, one common tactic for companies is to offer that individual a settlement. In the short term, these settlements can be appealing. Over the long run, however, the settlement may not be in your best interest. For example, if your medical costs increase or you incur other complications as a result of your initial injury, the settlement may not be enough to provide for your future medical expenses. Especially when you are not represented by a lawyer, the company will usually undervalue the settlement offer. You can reject the settlement, and it’s recommended that you have a conversation with an attorney about your best options.