Are insurance companies really on your side?

Posted by on Nov 12, 2018 in Car accidents | 0 comments

I see commercials from insurance companies all the time while I’m watching TV. Insurance companies always claim that they’re “on your side” and here to help, but they exist for the same reason as any other private company: to make money. Of course, insurance should help when we get into a car accident or have to go to the hospital unexpectedly. However, I just found out that they go to great lengths to not pay out settlements. I found this website for The Law Offices of William J. Luse, and realized that there are attorneys out there who will help injured victims fight back against insurance companies that are unwilling to pay for fair claims.

First of all, insurance companies will look through your social media pages to see if you’ve posted anything that would give them cause to deny your claim. They’ll also try to give you the run around so that you go through another driver’s insurance company to have your claim paid. This one really angers me, sometimes insurance companies will hire private investigators to secretly videotape people and get information that undermines their claim. If all of this doesn’t work, they might try to discourage you from hiring a lawyer.

If you end up not getting a lawyer, statistics show that you will end up settling for up to three times less than you would with a lawyer. In court, insurance companies will bring in expert testimonies to undermine the extent of your damage and injuries. All of this makes me so upset. Insurance companies are great at marketing themselves as friendly, helpful companies but when they go to this much trouble in order to not pay a claim, it shows a much more menacing side of the insurance industry. I understand that some people may try to take advantage of insurance companies after an injury, but some people really do need insurance claims. When insurance companies deny people who need the money, it could cause them to be in debt for several years to come.

An aunt of mine had to go through insurance companies to have her medical bills paid for after a car accident. The insurance company tried to get her to file a claim through a third driver’s insurance, and this made the process much more complicated and stressful for her. She had several thousand dollars in medical expenses. While she was trying to rest and recover, she had to worry about if insurance would accept her claims at all. I hated to see her so stressed out while she should have been able to relax after an already traumatic experience. If an insurance company tries to give me or my family the run around again, I am going to tell them that I’ll be speaking with a lawyer immediately. I don’t want to go through the process of hiring a lawyer and potentially going to court over a settlement if I don’t have to, so hopefully just bringing up a lawyer will motivate insurance to accept the claim.

 

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Should You Treat Your Dark Gums?

Posted by on Feb 16, 2018 in Oral health | 0 comments

Dark gums are one of those universal problems that despite being common, few people ever discuss. For those who are affected by dark gums, though, it can be a constant worry. In a culture where smiling—and therefore teeth and gums—is so important, having discoloration in the gums area can make people self-conscious and seem shy and cheerless. While it is painless and doesn’t have any health implications, that doesn’t mean dark gums don’t impact people’s quality of life.

To help those who are struggling with this issue, here is some information I discovered on the site of Dr. Gary Bram, a Bayside, NY dentist.

What are dark gums?

Dark gums refer to the pigment in the gums that impedes the pink color that most prefer. The pigment is often not a unified whole over all the gums but appears instead in large splotches. The color can be anything from brown to purple to red to black. The causes vary but come from an excess of melanin or carotene in the gum tissue. Some of this can come from genetics (it usually shows up in people with darker skin tones, but it can affect people of any race), but it can also come from certain lifestyle habits or events. These include smoking, poor oral hygiene, or contracting certain illnesses or regularly taking certain medications that create an imbalance in the gum tissue. Even specific dental procedures can lead to dark gums. This can happen when metal fillings corrode.

The good news is that dark gums are not painful and are not necessarily the sign of anything wrong with your teeth or gums, although certain types of dark coloration may be the sign of black gum disease, which comes from dead gum tissue. This must be treated immediately.

What can you do about it?

Treatments vary depending on the cause of your dark gums. If it is disease, the gums can be treated with antibiotics.

For those who simply have a darker coloration without cause from disease, the options are somewhat limited. Removing the dark layer of gum tissue on top is possible. This often leads to slightly less dark gum tissue growing back and replacing it.

The most effective treatment for dark gums, however, is the Erbium Laser, which can alter the level of melanin in the gum tissue and return it to a healthy pink color. The treatment is easy and can be performed by trained dentists. It is relatively painless and requires relatively little anesthesia. It only results in a certain amount of itchiness after the treatment, but even this disappears after a few days. And, best of all, it can be used on gums no matter how darkly colored.

While having dark gums is not necessarily something that requires medical assistance, it can be something that makes people feel self-conscious and uncomfortable with themselves. If that applies to you, then find a dentist able to perform the Erbium Laser treatment on you and see new confidence in your smile.

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The Modern Worker: A New Breed or Product of Strange Times?

Posted by on Sep 16, 2017 in Employment Law | 0 comments

It is no secret that the jobs today are becoming radically more complex. There is talk to teach programming skills to students in elementary schools and more school districts have iPads for their students than those that don’t. What does this mean for the modern workforce? It means that the workforce is being trained for tasks now that used to require a master’s degree. America and her economy are changing and that change is a constant grey area. While it benefits many there are still those it leaves in the dust.

Amazon, eBay, and Walmart are already dominating the e-market, and more people are ordering their goods online than ever before. This may seem like the inevitable march of the future. However, it means that the future marches on without the brick and mortar malls and shopping centers of yesteryear. There is one city who has felt these effects more than any, and is dubbed by the Wall Street Journal as the “center of America’s retail meltdown”. Elmira, New York has seen a 20 percent reduction for the past two years in its normal city revenue from sales tax. This means that the municipal government has four-fifths of the funding it normally receives and has had to resort to laying off some police and firefighters. 

Younger workers are looking for flexible jobs that reflect their fast-paced and nonregular lifestyle. Working hourly for companies like Uber and Lyft or being an Amazon delivery driver appeals to the labor force today more than ever. However whenever you are working for these types of companies the official status of your employment can get complicated. Because of the way our labor laws are designed, many companies are opting to hire workers as a contractor rather than a full-fledged employee. This has caused an unseeable but all-too-prevalent rift between today’s workers and the companies they work for. No longer do they work for a company they believe in but a technological giant they are just familiar with.

Interestingly the New York Times compares these times to the era of American history leading up to the sweeping New Deal pushed by FDR that brought our country out of the great depression. The reason is that in order to build a strong competitive economy working people need strong labor unions so that their voice can be heard all the way to the executive office of corporate giants. In fact, according to the labor and employment attorneys at Cary Kane LLP, when labor unions have legal help when going against large companies their voice is louder, and change is more likely to happen.

Times are weird. The internet is an economy in and of itself, and it can suck up the profits from older companies that either don’t jump on the bandwagon or can’t work it. For now, all we can do is support small business, use overly convenient digital services in moderation, and try to learn new marketable skills to appeal to a morphing world.

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Ponzi Scheme Red Flags

Posted by on Jun 13, 2017 in Business Law | 0 comments

From 1919 to 1920, Charles Ponzi, a charismatic Italian immigrant, was able to sweet-talk thousands of individuals into shelling out millions of dollars to buy postage stamps using international reply coupons. Ponzi promised potential investors high returns for their investment, since they can purchase postage at European currencies’ lower fixed rates and then redeem these in U.S dollars at higher values. The real issue, however, was the fact that Ponzi diverted investors’ money to make payments to earlier investors and himself and, when the time came when he could no longer rustle up enough fresh investments to keep up with the money going out the door, his scheme was discovered, landing him in jail.

Now known as the Ponzi scheme, this fraudulent investment operation involves an individual or an organization luring people to invest in a non-existent business with the promise of high return. The fact, however, is scammers pay returns to investors using their own money or money paid in by subsequent investors. Since there is no legitimate business, there are also no legitimate earnings, thus Ponzi schemes require a steady flow of money from new investors to continue. If becomes difficult to recruit new investors or when a large number of investors ask to cash out, it will mean this scheme’s collapse.

Ponzi schemes are quite difficult to spot, – the reason why many people still get drawn into it. There are signs, though, that may be indicative that the investment opportunity you have gotten into is a Ponzi scheme. These signs or red flags include:

  • High returns with no risk. If a fund is promising its investors a high return on their investment with little or no risk, be highly suspicious. Legitimate “high yield” investments are generally risky, and the law requires financial advisors to disclose those risks.
  • Unusual consistency in returns. The values of legitimate investments fluctuate; they go up and down along with the market. This is particularly true of investments that offer high returns. You should approach any investment opportunity that consistently provides high returns to its investors, even in an unstable market, with extreme caution.
  • No registrations or licenses. Most Ponzi investments aren’t registered with state regulators or the SEC. Registration provides investors with crucial information about a company’s inner workings to help them make informed decisions, so be skeptical of unregistered investments. Likewise, both federal and state laws require investment professionals and companies to be licensed, so use caution if an investment opportunity involves an unlicensed firm or individual.
  • Secrets and unnecessary complexity. Ponzi scheme managers find they can dupe inexperienced investors by hiding behind “company secrets” and complex or highly technical language. If a firm seems to be holding back information or providing you with documents you can’t understand, avoid investing there.
  • Paperwork problems. As an investor, you should always be able to review information about your investments in writing. Be alert for any reluctance on the part of a firm to provide you with paperwork, as well as errors or inconsistencies that can point to mismanagement of funds.
  • Trouble with payments. Ponzi schemes rely on continued cash flow from investors to keep running. They’ll often encourage you to roll over your investment, promising an even higher return, rather than paying out as promised. This should be a big red flag.

The funds that a Ponzi scheme generates are usually used to enrich the manager of the scheme. Thus, by the time a Ponzi scheme collapses or when investors discover the scheme, it can be difficult or impossible for them to get their money back. This is why it is highly necessary to get in touch with an attorney right away as investors may be able to hold legally liable their financial advisor or the brokerage firm where this advisor or broker is employed.

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Biomet’s Comprehensive Reverse Shoulder Humeral can Result to permanent loss of Shoulder Function, Infection or Death

Posted by on Feb 24, 2017 in Personal Injury | 0 comments

Shoulder replacement surgery was first performed in the U.S. in the 1950s. Its purpose was to treat severe shoulder fractures. This surgical procedure involves the removal of damaged parts of the shoulder and the implantation of an artificial device, called a prosthesis, that is similarly shaped as the shoulder part it will replace.

Shoulder replacement surgery has always been expected to provide relief from pain, besides restoring shoulder motion, function and strength. This is not the case, however, if a patient is implanted with a faulty replacement device, for instead of increased function and minimized pain, the result would rather be worse pain, additional costly medical expenses and the need for corrective surgery.

There are four types surgical procedures for shoulder replacement. The type of procedure a patient will undergo will depend on his/her doctor’s evaluation and specific health needs.

  • Total Shoulder Replacement is replacement of the original ball-and-socket with similarly shaped prosthetic parts.
  • Partial Shoulder Replacement or Stemmed Hemiarthroplasty is the procedure that needs to be performed if the humeral head has been severely fractured, but the socket is unharmed.
  • Shoulder Resurfacing or Resurfacing Hemiarthroplasty involves replacement of the joint surface of the humeral head with cap-like prosthesis.
  • Reverse Total Shoulder Replacement or Reverse Total Shoulder Arthroplasty is the procedure wherein the positions of the joint’s ball and socket are reversed or switched. This means that the ball gets attached to the scapula rather than to the humeral head, and the artificial socket is attached to the humeral head rather than to the scapula.

The Comprehensive Reverse Shoulder System Humeral Tray, which Zimmer Biomet started manufacturing on August 25, 2008, is a shoulder replacement device that is surgically implanted to help restore arm movement. This device is also beneficial for patients with rotator cuff tears who have developed a severe type of shoulder arthritis known as arthropathy and previously failed shoulder joint replacement.

On December 15, 2016, however, Zimmer Biomet, moved to recall more than 3,600 pieces of said device after it was discovered that this device was fracturing at a higher rate than is stated in its labeling. According to the U.S. Food and Drug Administration (FDA), these fractures can result in revision surgeries that can lead to serious adverse health consequences, including permanent loss of shoulder function, infection or death (though rarely).

In its website, law firm Williams Kherkher says that those who suffer a serious fracture due to a defective Zimmer Biomet comprehensive reverse shoulder system may be eligible for compensation for their pain, suffering, medical bills, and other damages. Zimmer shoulder lawsuit lawyers believe that medical device manufacturers have a responsibility to properly test and label their devices, and if those systems fail, they should be held accountable for the injuries they cause.

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