Worker’s Benefits

Spring Maintenance Tips to Protect Your Home

A home is one of life’s most important investments. Keeping it properly maintained can help reduce the risk of a loss and help ensure the safety and well being of friends and family. Just in time for spring, Paul Fisher Insurance Services and Travelers, a leading provider of auto and homeowners insurance, offer these maintenance tips to prepare your home for warmer weather and to keep it safe year-round:

• Inspect your smoke detectors. Make sure that there is one on each floor of your home. Test them and change the batteries at least every six months, when you change your clocks.
• Check the light bulbs in all your fixtures to be sure that they are the correct wattage as recommended by the manufacturer.
• Replace lamps that use high-producing bulbs (such as halogen) with those that use fluorescent bulbs and operate at much cooler temperatures.
• Check your electrical outlets for potential fire hazards such as frayed wires or loose-fitting plugs. Be sure not to overload electrical outlets, fuse boxes, extension cords or any other power service.
• Keep a multi-purpose fire extinguisher accessible that is filled and ready for operation.
• Have your air conditioning system inspected by a professional as recommended by the manufacturer.
• Check for damage to your roof, and clean gutters and downspouts to keep debris from accumulating.
• Check your water heater for leaks and corrosion, and keep surrounding area clear.
• Clean and/or replace your furnace filter.
• Clean the clothes dryer exhaust duct and space under the dryer. Remove all lint, dust, and pieces of material or cloth.
• Inspect washing machine hoses and replace hoses that show signs of wear or leakage with stronger reinforced hoses. Turn off the water when not in use to prevent water damage if a hose breaks.
• In your yard, remove all dead trees and keep healthy trees and bushes trimmed and away from utility wires. Do not attempt to remove tree limbs from power lines yourself. Instead, call your power company to request assistance.
• Safely store oil and gas for lawn equipment and tools in a vented, secured area.
• Repair driveway and walkways that are cracked, broken or uneven to provide a level walking surface.

Established in 1983, Paul Fisher Insurance Services is an independent insurance agency offering a full range of insurance products including Auto, Home, Life, Equipment Leasing, Business Owners Insurance, Wedding Protection, Special Occasion Protection, and much more!

For information and quotes on insurance coverage, please visit
Paul Fisher Insurance Services at 3967 William Penn Highway Suite 3, Murrysville, PA 15668 or call (724)519-7503.

About Travelers
Travelers understands that life and business are inherently dynamic and that the best way to serve agents and policyholders is to deliver insurance that evolves to stay in-synch with life and business as they change. For more information on being in-synch, visit www.travelers.com.
The Travelers Companies, Inc. (NYSE: TRV) is a leading property casualty insurer selling primarily through independent agents and brokers. The company’s diverse business lines offer its global customers a wide range of coverage in both the personal and commercial settings, including automobile, homeowners, construction, small business, oil and gas, ocean marine, surety and management liability, global technology and public sector services. Travelers is a Fortune 100 company, with 2007 revenues of $26 billion and total assets of $115 billion. The company has approximately 33,000 employees.

Worker’s Compensation – A thing that every worker should know – Article Blast! Free Articles And Content For Reprint On Your Website, Newsletters and Ezines. Submit Your Articles For Free!

Work place accidents occur. It’s a fact. From very minor incidents such as small cuts and bruises to very serious accidents that may result in death. Previously known as “workman’s comp” for short, the name has been changed to Workers’ Compensation. Worker’s compensation is basically an insurance policy, derived from state statutes, which protect employees if they become injured or sick while carrying out the duties of a job. Worker’s compensation may also pay damages to a worker’s family if the worker is unable to return to work for a long time or suffers a fatal injury.

Each state has its own worker’s compensation regulations and rules, and state laws control an employer’s responsibility to its workers. State law establishes the types of injuries and sicknesses, which are actionable, and the award an injured party could receive for those conditions. Federal law only relates to employees of the national government or those persons who carry out interstate commerce. Coverage includes work-associated illnesses, sickness, falls and other accidents in the workplace.

Workers compensation does not just cover medical costs; it also provides income replacement for the injured worker due to an on the job injury or accident. Depending on the state of jurisdiction, the employee might get up to 2/3 of his or her usual wages, until they are able to return to work.

Worker’s Compensation is insurance that provides medical and disability benefits for work related injuries and diseases. For many employers this insurance is an experience rated system that encourages injury prevention by charging higher premiums to those employers whose workers have more injuries.

Workers’ Compensation sole purpose is to cover the medical expenses accumulated by the injury, as well as financially support of the employee while they are recovering. As an incentive to encourage businesses to accept full responsibility for the premium costs of workers compensation, the workers gave up the right to sue the employer for damages resulting from a job related injury. Many seem to think workers compensation should be treated as an employee benefit. However rather than a benefit, workers compensation is a legally mandated right of the worker. As a mandated right all medical bills and loss wages relating to an on-the-job injury are covered by the workers compensation coverage.

via Worker’s Compensation – A thing that every worker should know – Article Blast! Free Articles And Content For Reprint On Your Website, Newsletters and Ezines. Submit Your Articles For Free!.

Apparent Benefits of Worker’s Compensation – Article Blast! Free Articles And Content For Reprint On Your Website, Newsletters and Ezines. Submit Your Articles For Free!

Workers compensation is a type of insurance which collectively offers compensation as well as medical care for the employees who are accidentally injured during the course of employment. Workers’ compensation also encircles economic loss, reimbursement of medical and other form of health insurance. The Worker’s Compensation insurance is extremely helpful and not only covers the comprehensive cost of hospital bills but also follow up doctor’s appointments, drugs and even surgeries. Though Worker’s Compensation can be costly, it is often protect the small business owner from lawsuits. If an employee signs on with Worker’s Compensation program he relinquishes his right to bring legal action in the event of an accident.

In real terms Worker’s Compensation is a collection of laws which protect people that are injured at work. The intent of Workers’ compensation program is to take care of the injured workers at the work place. If you’ve been injured or met an accident on the job, then you should be aware of Worker’s Compensation rights. If you have been injured then it is a great idea to seek legal and professional support from the company. You may also require an attorney who particularly specializes in Worker’s Compensation cases or in personal injury or accidental cases.

Worker’s Compensation offers certain benefits like: cash benefits, supplemental benefits, medical benefits and social security benefits. But if the worker dies from a compensable injury, the surviving belongings or other dependents as defined by law are entitled to cash benefits at the same time. The amount may be equal to two-thirds of the deceased worker’s average wage or according to the state legislature. If there are no surviving children, spouse, siblings, parents or grandparents entitled to compensation then the surviving parents or the estate of the deceased worker may be entitled to payment of a certain sum. All in all, you should be aware of the Workers’ compensation programs designed by the companies.

If you have been in a motor vehicle accident, and had bodily injury, pain and suffering or emotional distress, Mitchell and Shea APC are lawyers with vast experience in personal injury that can help you.

As leaders in the field of workers compensation law, we can assist you with work accidents, construction injury, temporary or permanent disability, modified duties and work restrictions, discrimination at work, workers’ comp settlement, stipulation with request for award and state disability.

If you have experienced any personal injury like head or brain injury, slip and fall, dog bite, negligence whiplash injury, property damage, amputation at work or in a traffic collision, repetitive stress injury like carpal tunnel syndrome, laminectomy, discectomy, fusion, arthroscopic knee surgery or shoulder surgery – Call Mitchell and Shea APC Toll Free 877-702-6517

via Apparent Benefits of Worker’s Compensation – Article Blast! Free Articles And Content For Reprint On Your Website, Newsletters and Ezines. Submit Your Articles For Free!.

Legal :: Getting Compensation for a Work Related Injury | ArticleBiz.com

In order for you to get compensation for a work related injury, you need to prove first that it was caused by the negligence of another party or particularly your employer. It can also be caused by your co-worker. Employers are liable for all the people within the vicinity of their work area whether they work for them or not. If you have been injured at work and it’s the fault of the company then you are entitle to make a claim for a work related injury against your employer.

Usually, work related injuries are caused by defective machinery in the work place that are not maintained properly and are a hazard to the worker’s health.

You can also get compensation from a work related injury that arises due to other causes like: slipping and tripping. This may be due to the untidy conditions of the workplace and the poorly maintained floor. Compensation claims are filed as an outcome for workplace conditions.

One more main cause of accident at work is falling, for instance serious injuries are sustained due to falling in high places, or falling down on uncovered holes, or when hit by falling objects.

Another factor that can cause work related injuries are the lack of protective equipment, such as safety footwear, gloves, hard hats, face masks and safety goggles. This can result in making a successful work related injury claim against the employer.

Claiming for compensation is not a new concept. These days with laws and regulations that guards protecting workers from any harmful issues, we find that work injury compensation levels have increased. This is generally a good thing for all employed. But it’s not a good one for the bosses. Because of this, the employers’ insurance costs are much higher than compared before. There is also the additional strain to ensure a safe and healthy working environment for their employees.

A work related injury claim is not a personal attack to the employer. You’re not into getting their own money but you are claiming from the insurance company that covers the company. You are making a claim to ensure that you are being well taken care of when you are injured and that’s the least you can get especially if you lose your job due to the accident.

If you are planning to claim compensation for the injury you sustained at work then you need to employ a competent and reliable personal injury claim solicitor. They will be responsible for completing all the legal documents needed for the continuance of the claim and will be the one who will process it all for you. Your solicitor will carry the burden created by the legal issues in making a claim.

There are also personal injury claim solicitors that offer a no win no fee claim. They will carry all the costs of your settlement even if you don’t win the case. In case, that you are successful in claiming compensation, these type of solicitors will give the compensation given by the court to you in full and will charge their legal fees against the insurance company of the defendant. So either way, you got nothing to lose

via Legal :: Getting Compensation for a Work Related Injury | ArticleBiz.com.

Your Right For A Work Injury Compensation Claims For An Injury At Work

Today, we are living in a fast-paced lifestyle. Being slow and stagnant will lead you to a pit hole. And no one in his normal state of mentality would like to be left behind in an unsuccessful living. As everyone of us crave for power, superiority, fame and a luxurious living we work hard in order to achieve these goals.

On the other side of the coin, as workers try hard to improve their working status they cannot avoid to encounter some accidents from their work places. Some of these accidents are due to the negligence of their employers. Whereas, it is every employers’ responsibilities to secure a safe- workplace for his/her employees there are some employers who simply do not look back to their people.

One of the things an employer should make sure is the safety of each of his/her workers whenever they are on duty and within the workplace vicinity. Employers are obliged to provide safety guidelines and equipment to all of his/her people. Proper lightning, ventilation, equipments are just some of the common things they need to facilitate. A good employer always see to it that his/her people are in good and safe condition in the working area. This is also to gain a productive work from his/her people.

But the sad fact is sometimes we encounter some employers who are merely after of their own benefit. They neglect their duties and responsibilities to their people. That is why unwanted events happen in the workplace. Accidents occur due to some carelessness of these kind of employers. Workers suffer from different injuries as a result of the accidents they had at work.

Work injury in the United Kingdom is already honor for a compensation claim. If one has suffered an injury from his/her accident at work he/she can apply for a work injury compensation claim. However, most of the victims of these accidents do not bother to file for their compensation which is supposed to be entitled for them. Some reasons are the worry that they might be fired out from their work. Or they simply lack some courage to ex cerise their rights. They just settle in their comfort zone.

via Your Right For A Work Injury Compensation Claims For An Injury At Work.

Your Right For A Work Injury Compensation Claims For An Injury At Work

Today, we are living in a fast-paced lifestyle. Being slow and stagnant will lead you to a pit hole. And no one in his normal state of mentality would like to be left behind in an unsuccessful living. As everyone of us crave for power, superiority, fame and a luxurious living we work hard in order to achieve these goals.

On the other side of the coin, as workers try hard to improve their working status they cannot avoid to encounter some accidents from their work places. Some of these accidents are due to the negligence of their employers. Whereas, it is every employers’ responsibilities to secure a safe- workplace for his/her employees there are some employers who simply do not look back to their people.

One of the things an employer should make sure is the safety of each of his/her workers whenever they are on duty and within the workplace vicinity. Employers are obliged to provide safety guidelines and equipment to all of his/her people. Proper lightning, ventilation, equipments are just some of the common things they need to facilitate. A good employer always see to it that his/her people are in good and safe condition in the working area. This is also to gain a productive work from his/her people.

But the sad fact is sometimes we encounter some employers who are merely after of their own benefit. They neglect their duties and responsibilities to their people. That is why unwanted events happen in the workplace. Accidents occur due to some carelessness of these kind of employers. Workers suffer from different injuries as a result of the accidents they had at work.

Work injury in the United Kingdom is already honor for a compensation claim. If one has suffered an injury from his/her accident at work he/she can apply for a work injury compensation claim. However, most of the victims of these accidents do not bother to file for their compensation which is supposed to be entitled for them. Some reasons are the worry that they might be fired out from their work. Or they simply lack some courage to ex cerise their rights. They just settle in their comfort zone.

via Your Right For A Work Injury Compensation Claims For An Injury At Work.

Understanding the various types of property-related insurance and owner builder insurance

Understanding the various types of property-related insurance and owner builder insurance

Article Submitted by: Abhishek Mishra

Friday, 03 April 2009

Everybody knows Insurance. In this contract the insurer promises the insured to give compensation for the loss of the insured entity or death of the insured person. Premium is the amount which is paid by the insured to the insurance company on behalf of buying the insurance. Insurance is in fact similar to risk management.

There are certain rules and principles which are strictly followed by the insurance companies before insuring anything or anyone. Companies check the reliability of the information provided by the insurer, their earning capacity and the worth of the entity etc. Even when claims for insurance payment are made by the insurer, the companies check about the truth themselves regarding the extent of damage or loss, the insured entity or person and then only they give the insurance money. There are myriad types of insurance available in the insurance companies- Like,

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Public liability insurance if any kind of damage happens to the insured property due to any person from the public insurance amount is given.

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Vacant land insurance is taken by people who have lands or any construction in the land which is not in use since a long time. In case of any damage due to fire, earthquake, flood etc. to the property insurance, amount will be paid by the company for the loss.

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Office insurance is taken by almost every office and their employees. In case of injury of the employees, their hospitalization bills are paid by the insurance company under which they are insured. And if any kind of damage happens to the office its cost is also paid by the insurance company.

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Home warranty insurance is a good scheme where maintenance money required for the home is given by the insurance companies

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Construction work insurance is taken by the builders for their buildings which are under construction and for the workers who are involved in the building construction.

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Contract works insurance is very popular among people whose nature of work involves them in contract working.

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Business insurance quotes are demanded by the companies, so that they can insure their business to the company which offers most competitive price.

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Property Insurance Australia has a huge insurance market in Australia.

Other than these insurances life insurance, Motor insurance, Property insurance, Workers compensation insurance and insurance for display home are the most popular types of insurance.

It’s good and important to have insurance because our life is uncertain and insurance provides us and our family a kind of monetary security in case something unexpected and bad happens to us, so that we can face the challenges of life and move ahead.

via Understanding the various types of property-related insurance and owner builder insurance – Article Blast! Free Articles And Content For Reprint On Your Website, Newsletters and Ezines. Submit Your Articles For Free!.

Tips to ensure your claim is processed in a timely manor

There are a couple of key factors that will help process your claim within a timely manor:

1. Be sure to fill out all of your personal information on each claim form. Sometimes the company will ask for the information several times on each page, it is necessary for you to complete the information each time. It seems redundant, but it is necessary.

2. Make sure to give your physician the claim forms to fill out. You can provide your physician with our fax number (724)519-7484 and ask them to complete it and fax it directly to our office. You do not have to wait for them to fax the information. You can send us your completed portion as soon as it is finished.

3. Make sure to give your employer the claim forms to fill out. You can provide your physician with our fax number (724)519-7484 and ask them to complete it and fax it directly to our office. You do not have to wait for them to fax the information. You can send us your completed portion as soon as it is finished.

4. We will also need a copy of your Operative Report faxed to our office.

5.  We will need ANY copies of itemized statements, chiropractor visits, or any doctors visits.

6. Claims should be filed within 14 days of the accident or sickness. The sooner we receive your completed paperwork, the sooner the claim is filed and processed.

7. You can check on the status of your claim 24 hours a day by visiting the Insurer’s direct website or by contacting our office.

Worker’s Compensation and Social Security Disability

If I am on workers’ comp, should I also apply for Social Security Disability?

This is a very good question, but can be a very complicated one. In many situations, if you have sustained significant work injuries that may be life-changing and/or that prevent you from returning to work, then it is probably a good idea to apply for social security. For example, let’s say you suffered from a very significant spinal injury, a very significant brain injury, or perhaps some kind of severe leg, arm, or back injury. Well, if your injury is very significant and definitely has taken you out of work, then applying for social security is probably a good bet.

But, if you are going to try and get both workers’ comp and social security benefits, it is also advisable to hire an attorney who understands both. You and your attorney need to understand the Social Security Disability part of your claim as well as the Worker’s Compensation aspect so as to ensure no problems arise from getting both. Not to mention you will need an attorney to help you navigate the process of getting both.

There are complicated situations which can arise, which makes it all the more wise to have an attorney. For example, several years ago, Medicare required that individuals who applied for Social Security Disability while on Worker’s Compensation, and who subsequently settled their case, had to put some workers’ comp money aside in what’s called a Medicare Set Aside Account (MSA). The MSA is very complicated and can be hard to understand if you are not familiar with it. In any event, the MSA will impact your settlement and your Worker’s Compensation case as you proceed through it, so you just need to be sure that everything is running smoothly and as it should be. An attorney can help with that.

My suggestion and advice to you, since this is a fairly short explanation on workers’ comp and social security, is that you do call an attorney, who can help you to understand the impact of filing for Social Security Disability while you have a Worker’s Compensation claim pending. It is significant on the potential of how long the case may take and the type of settlement that you might receive in a lump sum because of that MSA set aside.

via Worker’s Compensation and Social Security Disability.

Types of Life Insurance Riders

Insurance riders provide benefits over and above those given by a basic insurance policy. Riders are not free and come at an additional cost, but the cost is relatively less compared to that involved in taking a separate insurance policy to cover the same requirements. Some of the very essential and well known riders include accidental death rider and critical illness rider. Beside these, other important riders (their importance varies from person to person) depending upon one’s age, stage of life and future goals, include accidental death, disability or dismemberment rider, level term rider, waiver of premium rider, guaranteed insurability rider and family income benefit rider.

Accidental Death Rider: The rider provides extra benefits equal to the minimum sum assured while taking the base policy. It is applicable only if the insured dies during the policy term due to accident. Since in most cases the rider benefit promises a sum same as the underlying policy assured amount, it is also called Double Indemnity Rider.

Critical Illness Rider: Also known as Accelerated Death benefit, this rider allows an insured who is diagnosed with terminal illness and may require long term medical care or who requires confinement to medical home permanently; to withdraw part or whole amount of death benefit from the basic insurance policy. The basic insurance policy reduces by the amount withdrawn under rider. The rider helps the insured and his family meet immediate financial needs of medical treatment and loss of regular income generated by the insured. The rider generally specifies the amount available to insured in such cases and can be withdrawn by him during term of policy.

Accidental Death, Disability or Dismemberment Rider: The accidental death rider can be sometimes extended to include any permanent or long term disability lasting at least for 6 months or loss of limbs or sight due to accident.

Level Term Rider: With this rider you can attach a fixed amount of term insurance to your basic permanent life insurance policy for a certain period. The amount of benefit assured can be multiple times the basic death benefit from the original policy.

Waiver of Premium Rider: This rider helps the insured to continue with his insurance policy even if he/ she are unable to pay regular premiums due to long term or permanent disability. By default a life insurance policy can expire if the premium is not regularly paid. In case if the insured suffers from a disability that prevents him from earning a regular source of income, the insurance policy premiums become difficult to bear. This rider allows the insured to take waiver from premium payments until the disability lasts or for the entire policy period in case of permanent disability. The terms of proving disability and its valid duration vary from company to company and across different policies.

Guaranteed Insurability Rider: Also known as Renewal provision, this rider allows you to buy extra insurance at certain periods during the specified term of rider. Without letting your existing policy elapse, you can purchase additional insurance or convert basic term insurance without proving insurability or having to undergo fresh medical examination. The rider is most beneficial to those who may experience major medical illnesses or loss of health due to advancing age, as there is no need for fresh underwriting. It also allows to add more insurance with changing life circumstances like marriage or arrival of newborn.

Family Income Benefit Rider: This rider provides a cushion in case of sudden death of the insured during policy term. While taking the rider, the insured needs to select the time frame for which he wants his family to continue receiving benefits. According to their comfort level, the beneficiaries will have the option of receiving regular monthly income or taking the entire benefit as lump sum after the death of the policy taker. As the insured grows old the duration of rider decreases. This rider is most beneficial to families with single bread winner.

via Types of Life Insurance Riders.

Baldwin Benaware
KC Benefit Services Discount Card
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