Insurance Claims Jobs – Claims Adjusters Employment, Jobs and Careers #professional #negligence #claims

claims adjuster jobs

Find Claims Jobs Adjuster Employment

We give you the best Exposure, Technology and Access to Candidates unmatched by any other employment website! To see our unique combination of advantages, go to.

We offer the best tools available to help attract top professionals. You won’t find the technology we use on any other finance related employment site. Our job posting, resume bank and applicant tracking system is incredibly feature rich yet simple to use. Sign up for a free account today and look around! Go ahead and purchase a posting or try a free resume bank search. If you have questions, please
Email Us or call 770.425.8576

Post a Job
Find, attract and reach the most qualified candidates. Your opportunities will be seen by thousands of professionals. We’ll also email a link to your job posting to thousands of job seekers via our email alerts!

Search Claims Resumes – Free
Review resumes and solicit candidates of interest. We have access to the best professionals in the field.

Pricing for Job Postings Resumes
Excellent recruiting resource, great exposure, competitive pricing. Regardless of staffing needs or budget, we have a recruitment product right for you.

Create Employers/Recruiters Account
Quickly post openings and manage your online recruiting efforts easily by setting up an account today!

Add a Free Company Profile
Create a free company profile viewable by job seekers when they search our list of companies. Simply create a free Employers / Recruiters account, click on My Company tab, click on the Create Company Profile . You can upload your logo and even link to your homepage. Your jobs will appear listed in your Company Profile.


What is a Tort Claim? (with pictures) – mobile wiseGEEK #medical #claim

tort claim

wiseGEEK: What is a Tort Claim?

A tort claim is a legal claim made in response to being subjected to a wrongful act that did not involve a breach of contract. Torts can be classified into five categories: intentional torts, negligence. strict liability. product liability, and miscellaneous. When a person files a tort claim, he or she is filing a civil lawsuit against the person or other entity that committed the tort. To sue successfully, a plaintiff must prove that all of the elements of the tort were committed.

To have a claim for an intentional tort, the plaintiff must be able to prove three elements: intent, a volitional act, and causation. Intentional tort liability arises when a person or entity intends to bring about mental or physical harm to another person and that other person experiences mental or physical harm as a result of the accused’s actions. One example is false imprisonment, which results from the intentional confinement or restraint of a person to a contained space without justification.

A plaintiff has a tort claim of negligence if he or she can prove the elements of duty, breach, causation, and damages. A negligence claim arises when a person has not intended to cause harm, but his unreasonable act or his unreasonable failure to act causes injury to another person. The defendant might have had a duty to uphold the standard of care but will have breached that duty, causing injury to the plaintiff. To have a negligence claim, it is not enough for a person’s negligent act to have caused harm to another person. The other person must actually show damages that resulted from the negligent act.

In a strict liability tort, a person might be held liable for the plaintiff’s injury without having committed a wrongful act.

The plaintiff must assert the elements that the defendant had an absolute duty to make something safe and that the defendant breached that duty, resulting in injury to the plaintiff or to the plaintiff’s property. Strict liability claims can arise when a defendant has engaged in ultra-hazardous or abnormally dangerous activities, when a defendant’s animal has harmed the plaintiff, or when the defendant’s product has harmed the plaintiff. For example, if a company demolishes a building and a person suffers injury during the demolition, the company might be held strictly liable for that person’s injury.

Most plaintiffs bring product liability claims under a strict liability theory. Under this theory, the manufacturer and any commercial supplier of the product that caused the injury can be held strictly liable for the plaintiff’s injuries if that product was dangerously defective. For example, if a company made cotton swabs on a sharp wooden stick with the knowledge that consumers might use these swabs to clean their ears, the company might be held strictly liable for any consumers’ punctured eardrums.

Other tort claims might be based on nuisance, defamation, invasion of privacy, or fraudulent misrepresentation. Nuisance results from a wrongdoer’s interfering with the real property rights of another person without physically invading that person’s real property. For example, a plaintiff might have a nuisance claim against a factory that produces strong odors that waft onto the plaintiff’s real property, preventing the plaintiff from enjoying fresh air on his or her own property.

Related wiseGEEK articles


Expired No Claims Bonus #how #to #file #small #claims #court

no claim bonus

Expired NCB Insurance

Insurance for Drivers with Expired No Claims Bonus

There are many ways your no claims bonus can lapse – perhaps you have been abroad, or driving company cars. Maybe you’ve been a named driver on a partner’s policy, or simply haven’t needed a car recently. Or perhaps you have been insured on a policy that does not attract bonus, such as a classic car policy.

Whatever your circumstances, you’ve probably discovered that the vast majority of insurance companies do not recognise NCB entitlement that is over two years old, whatever the reason.

Frustration is probably the mildest word to describe how you feel. Fortunately, Adrian Flux have over 40 years experience of arranging specialist insurance policies to suit any situation, and we are not restricted by computer rates or systems. We can accept out-of-date no claims bonus entitlement in many instances, but we can also accept valid overseas and international bonus and offer discounts for company car drivers or similar driving experience. All this, coupled with great service, and surprisingly low rates means that we can help with your insurance problems.

  • Limited mileage policies.
  • Agreed value available on classic, cherished and modified cars.
  • Foreign No Claims Discounts offered for all countries, including:
    • American No Claims
    • French No Claim Bonus (malus / bonus)
    • German No Claims Discount (Schadenfreiheitsrabatt)
    • Spanish NCB (prima de no reclamaci�n)
    • Japanese NCD
  • Introductory and mirrored bonus schemes for relevant driving experience, such as company car drivers.
  • Members of owners clubs and forums benefit from discounts of up to 15%.

Insurance with out of date bonus

If you have built up years of no claims bonus, only to see it written off as ‘out-of-date,’ you really should give us a call. Saving yourself lots of stress, time and aggravation from mainstream insurers is as simple as talking to one of our specialist advisors, who can talk you through your options. So whatever the reason for your bonus being expired, we can offer you an appropriate policy taking into account your claim-free driving experience without any drama.

Our staff are all seasoned insurance experts and will calculate your premium individually, using their expert knowledge of the many specialist insurance schemes on offer.

Quicker Cheaper rates by phone, please complete the call me form during office hours 9am to 7pm Monday to Friday 9am to 4pm Saturday for an immediate insurance quote.

We’ll call you at a time convenient to you


What Is Tort Law? Definition and Examples – Video & Lesson Transcript #quit #claim #deed #alaska

tort claim

What Is Tort Law? – Definition and Examples

A tort is simply a civil wrong. There are three general types of torts that may cause injury to another person. In civil law, torts are grounds for lawsuits to compensate a grieving party for any damages or injuries suffered.

Tort Law: Three Types of Torts

Torts are wrongdoings that are done by one party against another. As a result of the wrongdoing, the injured person may take civil action against the other party. To simplify this, let’s say while walking down the aisle of a grocery store, you slip on a banana that had fallen from a shelf. You become the plaintiff. or injured party, and the grocery store is considered the tortfeasor or defendant. the negligent party.

Simply said, you would probably take civil action against the grocery store to recoup compensation for pain, suffering, medical bills and expenses incurred as a result of the fall. Negligence is just one tort category. There are three general categories of torts. Regardless of the tort action, three elements must be present:

  • Tortfeasor, or defendant, had a duty to act or behave in a certain way.
  • Plaintiff must prove that the behavior demonstrated by the tortfeasor did not conform to the duty owed to the plaintiff.
  • The plaintiff suffered an injury or loss as a result.

Because torts are a civil action involving private parties, punishment does not include a fine or incarceration. The punishment for tortious acts usually involves restoring the injured party monetarily. Sometimes a court order may force the tortfeasor to either do or not do something. Think trespassing, defamation or slander. Let’s explore the three types of torts:

Intentional Torts

An intentional tort is an act that is intentionally committed against another person with the aim of causing harm. There are several intentional torts that fall into this category, like assault, battery, conversion, fraud, false imprisonment, trespassing and invasion of privacy. Not every injury-producing action is cause for an intentional tort lawsuit. The court will look at the conduct of the defendant to determine whether the actions were, in fact, intentional or just mere willful and wanton behavior not specifically meant to cause fear or injury, but is considered reckless.

Betty Geeslin, a personal representative of Bill Geeslin in Bill Geeslin v. Kobe Bryant. is one of those cases. Back in November of 2005, Geeslin and a friend attended a Lakers/Grizzlies game. The fans held courtside seats for the event. At some point during the game, famous basketball player Bryant ran to retrieve an out-of-bounds ball. As he reached for the ball, he lost his footing and fell atop Geeslin, leaving him with injury to his chest and lungs. After several days, Geeslin, now home, began experiencing uncomfortable pain in his chest severe enough to visit an emergency room. Once examined, it was diagnosed that he suffered a bruising and a crushed lung. He was prescribed several pain medications and a breathing machine and sent home.

After a few weeks of home treatment, Geeslin decided to sue Bryant for assault, battery and infliction of emotional distress. Geeslin claimed that when Kobe attempted to remove himself from Geeslin’s chest, he used extreme force to push away, causing injury. Geeslin also claimed that he could no longer sleep at night, suffered anxiety and felt embarrassed by the incident in general.

When the court analyzed the case, it felt that the elements for tortious behavior were not present. Specifically, Geeslin assumed the risk of injury by choosing courtside seats. Bryant in no way intended to cause injury to Geeslin at the time of the initial fall or as he attempted to return to the court, and a reasonable person would not conclude that the incident was so seriously traumatic that Geeslin suffered emotional distress to the degree he claimed. In a motion for defendant’s summary judgment, the court ruled in favor of Bryant.

On a side note, Geeslin died prior to final judgment and a personal representative maintained the claim against Bryant until time of final judgment. However, Bryant settled with the estate out of court for the sum of $75,000 to put a rest to any further appeals or complaints against him. Our next torts deal with actions that cause injury that do not have intentional characteristics.

Negligence Torts

Negligence occurs when a party fails to demonstrate the kind of care a prudent person would take in the same situation and an injury results from the action or inaction. There are five elements necessary to prove a negligence case:

  • Defendant owed a duty of reasonable care.
  • Defendant did not behave in a reasonable manner to demonstrate care.
  • Plaintiff suffered an injury as a result of the defendant’s actions or inactions.
  • The injury caused actual damages.
  • Proximate cause: defendant’s actions or inactions were the cause of injury.

While these elements seem repetitive, they are necessary for a negligence case. Let’s see what happens in a comical case involving negligence.

In Byrne v. Boadle (1863), Byrne was walking down the street when a barrel full of flour fell out of a window and landed upon him, causing the plaintiff injury. In this case, the flour shop owed anyone walking on the sidewalk below the window a duty of care. In other words, a flour barrel should not be in a window where it could fall. The defendant should have used reasonable care that the flour barrels are stored in an area of the shop where injury to a passer-by could not possibly happen. Byrne was injured because of the flour shop’s negligence in storing flour barrels appropriately, leaving the flour shop solely responsible for this injury. Needless to say, this was a prima facie case because the evidence was strong enough on face value to convince a court to rule in favor of the plaintiff.

Strict Liability Torts

Cases involving strict liability are similar to negligence. In these instances, the defendant may be responsible for damages even if the defendant was not negligent. This may seem counter-intuitive, but it makes sense. Let’s take the dog bite law as an example.

Unlock Content

Earning College Credit

Did you know We have over 49 college courses that prepare you to earn credit by exam that is accepted by over 2,000 colleges and universities. You can test out of the first two years of college and save thousands off your degree. Anyone can earn credit-by-exam regardless of age or education level.

Transferring credit to the school of your choice

Not sure what college you want to attend yet? has thousands of articles about every imaginable degree, area of study and career path that can help you find the school that’s right for you.

Research Schools, Degrees Careers

Get the unbiased info you need to find the right school.

Browse Articles By Category


Settle Your Personal Injury Claim #unemployment #file #claim

personal injury claim

Settle Your Personal Injury Claim

Most people think of lawsuits when they think about personal injury claims. The reality is, the great majority (probably better than 90%) of injury claims are settled out of court. It’s faster, easier, less expensive, and less risky for both sides. In this section, we’ve put together all the legal information and practical advice we’ve published on the settlement negotiation process.

Start with an introductory article on the main legal and financial considerations.

Understand the basics of personal injury settlements.

An overview of the basic strategy for negotiating a good settlement of a personal injury claim.

If you have been injured in an accident, you’ll probably wind up settling your claim. Here are key questions and quick answers.

Most personal injury lawsuits settle out of court, and for good reason. Settlement is faster, less expensive, and less risky.

Injured plaintiffs often want to know if there is an average settlement so they can determine the value of their own case. Unfortunately, it’s not that simple.

Just Getting Started

If you’re in the initial phases of your claim, these settlement tips will come in handy.

These tips can help you devise your strategy for negotiating a good personal injury settlement after an accident.

Make sure you temper your settlement expectations with an honest assessment of your case, the defendant, and the losses you’ve suffered.

Coming up with a reasonably accurate initial demand is an important step towards a favorable outcome in a personal injury case.

Strategies after you’ve received an initial response to your injury claim.

Tips on how to proceed when you receive an unreasonably low personal injury settlement offer.

Setting Up Your Demand

Getting the right number in mind – and the documentation to back it up – is key to a successful settlement.

After a car accident, slip and fall injury, or other accident, you want to resolve your case quickly and fairly, but how do you know what’s fair?

Both the nature and duration of the medical treatment you receive will play a large role in how the insurance company values your claim.

When it comes to making an injury claim, the more you document your injuries, the better.

During settlement negotiations, both sides will try to guess at how a jury would decide your case.

Pain and suffering is often the most significant point of contention. Make sure you’ve got some reasoning to back up your demand.

Dealing With an Insurer

You’ll probably be negotiating your settlement with an insurance company.

Learn how to get a sense of the potential dollar value of your insurance claim.

If you’re making a personal injury claim with an insurance company, it helps to understand how the adjuster arrives at a settlement offer before you choose to accept or reject it.

Settlement negotiations might be a little different when you’re dealing with your own insurance carrier.

When to engage an attorney.

You can save on legal fees by negotiating your own car accident or personal injury claim settlement. Here are the steps involved.

Once a lawyer gets involved, the settlement process may get a little more complicated. He or she uses a lot of legal tools – and experience – to negotiate the best possible deal.

You don’t need a personal injury lawyer to write a demand letter, but if there’s a lot of money at stake, you may benefit from professional help.

Preparing and Submitting a Demand Letter

Settlement negotiations begin in earnest by drafting and submitting a demand letter.

The purpose of the demand letter in a personal injury claim is to get settlement negotiations started. Here are some tips on writing one.

A well drafted demand letter can help you settle your injury case without the expense and time involved in litigating an injury lawsuit in civil court.

Find demand letters for a variety of injury cases. Start your own letter with an example, complete with information on the critical legal and financial issues.

Before you put pen to paper, make sure you understand the important elements — medical expenses, property damage, fault — of your injury claim.

Your damages play a large role in determining the value of your personal injury settlement, so be sure to clearly detail all your injuries and losses in your demand letter.

How you craft your version of events can help or hurt your position during injury settlement negotiations.

The personal injury settlement process starts with your demand letter. How much you ask for sets the tone for negotiations.

Steps in the Settlement Negotiation Process

Information on the back and forth that leads to a settlement.

An overview of the personal injury case settlement process to learn what to expect.

You want to settle you personal injury case quickly, but you don’t want to get “shorted” on money. Here are some things to be aware of before you accept a quick settlement.

There are several ways the insurance company can respond to your demand letter, including not at all.

There is no law that requires the insurance company to respond to your injury demand letter, but most will as a matter of good business practice.

When you’re told or promised anything important in the course of your injury claim, use a confirming letter to make a paper trail.

Legal Problems & Roadblocks

There are a few issues that can stop settlement dead in it’s tracks, even when you have a good case.

A look at your options if the personal injury settlement process hits the proverbial wall.

What to do when your insurer fails to live up to its legal obligation to act in good faith.

If there is no insurance policy against which to make your injury claim and the defendant doesn’t have deep pockets, the value of your case is effectively zero.

Once a Settlement Has Been Reached

A few notes on issues that come up after settlement.

Once you’ve accepted a settlement offer or won your personal injury trial, it’s time to collect your money. Here’s what to expect.

A lump sum payment is generally preferable to a structured settlement in an injury case, but there are some exceptions.

In any personal injury case, medical providers, insurance companies, and other third parties may claim some of your settlement money with a lien. Here’s how they work.

Does your injury settlement count as income for IRS tax purposes? Most do not, but there are exceptions.


What is a no-claim bonus for a motor insurance policy? #dictionary #thesaurus #free

no claim bonus

What is a no-claim bonus for a motor insurance policy?

It is a benefit for those who have not claimed insurance during the preceding year of cover. It means the premium they would pay in the following year would be lower.

It can be availed under the comprehensive motor insurance policy. The policy covers loss or damage to the vehicle insured and third-party liability.

What are the conditions applied?
The no-claim bonus, however, is applicable only to the own damage part of the premium, which is 80 per cent of the policy premium. Third-party damage premiums make up the remaining 20 per cent.

Once insurance claim is made, your no-claim bonus benefit is back to zero. The next premium will be higher, since it will not include the amount of no-claim benefit you enjoyed earlier.

However, some insurers now offer an add-on cover, which protects the policyholder s no-claim bonus. For instance, a policyholder having taken an add-on cover would retain his 20 per cent no-claim bonus, despite having made an insurance claim in the same year.

How can you save?
The discounts on car or two-wheeler insurance starts at 20 per cent in the second year, and goes up to 50 per cent in the sixth year. This means, a saving of a minimum Rs 2,400 (at 20 per cent) to a maximum of Rs 6,000 (at 50 per cent) on a premium of Rs 12,000 for a car insurance policy. The no-claim bonus rate is the same across all insurers.

In case your vehicle gets damaged, get an estimate for the repairs. If the no-claim bonus amount you stand to forfeit in the forthcoming years exceeds the estimated amount you spend on repairing the vehicle, it makes sense not a raise a claim and pay for the damage yourself.

Why opt for it?
Besides discounts in premiums, you can save on the first premium of a new vehicle, subject to certain conditions. Since the no-claims feature is linked to the insured and not the vehicle, you can not only transfer your no-claim bonus from insurer to insurer, but also to a new vehicle of the same type. For instance, you can transfer a no-claim bonus of an old two-wheeler to a new two-wheeler only, and not a four-wheeler.

However, the policyholder needs to have sold his old vehicle for a new one and also have accumulated a no-claim bonus. 177 22

What is a no-claim bonus for a motor insurance policy?

It is a benefit for those who have not claimed insurance during the preceding year of cover. It means the premium they would pay in the following year would be lower.

It can be availed under the comprehensive motor insurance policy. The policy covers loss or damage to the vehicle insured and third-party liability.

What are the conditions applied?
The no-claim bonus, however, is applicable only to the own damage part of the premium, which is 80 per cent of the policy premium. Third-party damage premiums make up the remaining 20 per cent.

Once insurance claim is made, your no-claim bonus benefit is back to zero. The next premium will be higher, since it will not include the amount of no-claim benefit you enjoyed earlier.

However, some insurers now offer an add-on cover, which protects the policyholder s no-claim bonus. For instance, a policyholder having taken an add-on cover would retain his 20 per cent no-claim bonus, despite having made an insurance claim in the same year.

How can you save?
The discounts on car or two-wheeler insurance starts at 20 per cent in the second year, and goes up to 50 per cent in the sixth year. This means, a saving of a minimum Rs 2,400 (at 20 per cent) to a maximum of Rs 6,000 (at 50 per cent) on a premium of Rs 12,000 for a car insurance policy. The no-claim bonus rate is the same across all insurers.

In case your vehicle gets damaged, get an estimate for the repairs. If the no-claim bonus amount you stand to forfeit in the forthcoming years exceeds the estimated amount you spend on repairing the vehicle, it makes sense not a raise a claim and pay for the damage yourself.

Why opt for it?
Besides discounts in premiums, you can save on the first premium of a new vehicle, subject to certain conditions. Since the no-claims feature is linked to the insured and not the vehicle, you can not only transfer your no-claim bonus from insurer to insurer, but also to a new vehicle of the same type. For instance, you can transfer a no-claim bonus of an old two-wheeler to a new two-wheeler only, and not a four-wheeler.

However, the policyholder needs to have sold his old vehicle for a new one and also have accumulated a no-claim bonus.

What is a no-claim bonus for a motor insurance policy?

It is a benefit for those who have not claimed insurance during the preceding year of cover. It means the premium they would pay in the following year would be lower.

It is a benefit for those who have not claimed insurance during the preceding year of cover. It means the premium they would pay in the following year would be lower.

It can be availed under the comprehensive motor insurance policy. The policy covers loss or damage to the vehicle insured and third-party liability.

What are the conditions applied?
The no-claim bonus, however, is applicable only to the own damage part of the premium, which is 80 per cent of the policy premium. Third-party damage premiums make up the remaining 20 per cent.

Once insurance claim is made, your no-claim bonus benefit is back to zero. The next premium will be higher, since it will not include the amount of no-claim benefit you enjoyed earlier.

However, some insurers now offer an add-on cover, which protects the policyholder s no-claim bonus. For instance, a policyholder having taken an add-on cover would retain his 20 per cent no-claim bonus, despite having made an insurance claim in the same year.

How can you save?
The discounts on car or two-wheeler insurance starts at 20 per cent in the second year, and goes up to 50 per cent in the sixth year. This means, a saving of a minimum Rs 2,400 (at 20 per cent) to a maximum of Rs 6,000 (at 50 per cent) on a premium of Rs 12,000 for a car insurance policy. The no-claim bonus rate is the same across all insurers.

In case your vehicle gets damaged, get an estimate for the repairs. If the no-claim bonus amount you stand to forfeit in the forthcoming years exceeds the estimated amount you spend on repairing the vehicle, it makes sense not a raise a claim and pay for the damage yourself.

Why opt for it?
Besides discounts in premiums, you can save on the first premium of a new vehicle, subject to certain conditions. Since the no-claims feature is linked to the insured and not the vehicle, you can not only transfer your no-claim bonus from insurer to insurer, but also to a new vehicle of the same type. For instance, you can transfer a no-claim bonus of an old two-wheeler to a new two-wheeler only, and not a four-wheeler.

However, the policyholder needs to have sold his old vehicle for a new one and also have accumulated a no-claim bonus. 177 22


Ontario Small Claims Court – Spectrum Paralegal #claim #cash

ontario small claims court

When an Ontario Small Claims Court is Right for You

In Ontario, the Small Claims Court is a division of the Superior Court of Justice. It handles disputes about money or return of property for sums of $25,000 or less, and cannot issue injunctions (orders for people to do or not do something). If your claim is somewhat over $25,000, you can forego the excess amount so you still say within the limit of the Small Claims Court. This can make sense for several reasons:

  • Small claims court procedures are also simpler, court fees are lower. and the process is faster.
  • A paralegal can represent you in your small claim. Typically, paralegals charge flat fees that are lower than lawyers’, which will help reduce legal expenses.

Please do not hesitate to contact us for a free telephone or e-mail case assessment and fee quote.

Common Types of Small Claims

In almost 10 years of practice, we have handled a number of small claims situations, both for plaintiffs and defendants, for corporations and individuals alike. Whether you are a plaintiff or defendant, click below to learn more about a particular type of small claim:

The Small Claims Court Process

There are three stages to the Small Claims Court process.

  1. Preparation of pleadings. Depending on whether you are the plaintiff (the person suing) or the defendant (the person being sued), this would mean preparation of the claim or the defence, respectively. The pleadings are then filed with the small claims court, together with payment of the appropriate court fee. If the pleading is a small claim, it must also be served on the defendant.
  2. Settlement conference. This is a mandatory, relatively informal meeting between the parties in the presence of a small claims court judge attempting to reach a settlement of the small claim without a trial.
  3. Trial. This is when the judge will hear witnesses, review evidence, and issue a final judgment.

There may be other steps that have to be taken in the context of this procedure.

Learn more about these on our blog by clicking the links above.

Our Small Claims Paralegal Services

Our Toronto paralegal firm is able to handle any type of small claims matter. Our small claims paralegal services can be retained stage by stage – you can hire us for a certain step of the procedure, and handle the rest yourself.

As always, we promise that in every small claims matter, our paralegal services will be of the highest quality, and will always be provided in a transparent matter: we stay in touch so you will always know and understand exactly what is happening and why.

Additional Resources

  • Download our FREE eBook: Spectrum’s Guide to Small Claims Court
  • Browse our blog on the topic of small claims court
  • See our clients’ testimonials about our small claims paralegal services
  • Browse our small claims court FAQs
  • Check out the precedents set by our founder

I really appreciated your attention to details, your level of preparation which was impressive, and enthusiasm. I am really happy we have Spectrum Paralegal in our corner. Thank you for being the champion of our small claims court!

Our Services:

Contact us today!



Federal Tort Claims Act #leeds #hospital #fund #claim #form

tort claim

Federal Tort Claims Act

This memorandum is intended to familiarize Members, Officers and employees of the House generally with the Federal Tort Claims Act (“FTCA”) and the protections it provides. This memorandum is not intended, however, to answer all questions or issues that may arise. Therefore, we encourage you to contact the Office of General Counsel (“OGC”) immediately with any additional questions on this topic. OGC can only provide assistance to Members, Officers, and employees of the House. Persons who are employed by other federal government entities should call their entity or agency for assistance.

Under the FTCA, the federal government acts as a self-insurer, and recognizes liability for the negligent or wrongful acts or omissions of its employees acting within the scope of their official duties. The United States is liable to the same extent an individual would be in like circumstances. The statute substitutes the United States as the defendant in such a suit and the United States—not the individual employee—bears any resulting liability.

A. Making a Claim Under the FTCA

Individuals who are injured or whose property is damaged by the wrongful or negligent act of a federal employee acting in the scope of his or her official duties may file a claim with the government for reimbursement for that injury or damage. To state a valid claim, the claimant must demonstrate that (1) personal injury or property damage was by a federal government employee; (2) the employee was acting within the scope of his official duties; (3) the employee was acting negligently or wrongfully; and (4) the negligent or wrongful act proximately caused the injury or damage. The claimant must also provide documentation establishing that his claim satisfies all the elements of the FTCA.

A person wishing to make a claim for reimbursement under the FTCA for damage or injury caused by a House employee must first file an administrative claim with the House. OGC will provide a potential claimant with a claim form and inform him as to the required documentation. Please notify OGC immediately if an event occurs which you believe may give rise to an FTCA claim.

B. The FTCA in Lieu of a Certificate of Insurance

Members may be asked to provide a certificate of insurance for the purpose of entering into a district office lease or for securing space in which to conduct a town hall meeting or other official event. The House does not carry a private insurance policy and generally does not permit Members to use the MRA to pay for a private insurance policy for these types of meetings or events. OGC can provide a letter explaining the protections of the FTCA, and asking that the letter be accepted in lieu of a certificate of insurance.

Office Lease Forms

Vehicle Lease Forms

Storage Lease Forms

Note: All forms and letters are in Portable Document Format (PDF). Download a free PDF Reader.

From the General Counsel


Have I Got PPI #no #claims #bonus #for #named #drivers

ppi claims

PPI Claims

If You Still Haven’t Claimed Back Your Money From Mis-sold PPI…

It’s difficult to put into words the magnitude of the PPI scandal. You’ve probably read the statistics:

“Around 45 million PPI policies were sold between 1990 and 2010. Premiums for those policies were worth around £44 billion to the banks.”

For most of us, talking about ‘billions of pounds’ is similar to talking about stars being light years away: it’s quite difficult to grasp.

So let’s bring some perspective to it.

  • The £44 billion that the banks earned in premiums from PPI sales is the equivalent to you and every other man, woman and child in the UK handing over around £687 each .
  • Onebillion seconds ago it was around 1972 .
  • Onebillionminutes ago was around A.D. 114 .
  • One billion hours ago was around the time our ancestors were living in the Stone Age .

Reading that brings the ‘billions of pounds profit’ for the banks into sharper focus, does it not? Remember, too, that those figures above are for one billion. The banks raked in more than £44 billion from PPI.

Multiply those figures above by 44 and the mind really begins to boggle at the full extent of the PPI scandal. It’s a little easier now to see why the banks continued (mis-)selling the product when so often it was against the best interests of their customers (you, perhaps).

It was a good money spinner for them. This is why you keep seeing PPI claims stories in the news. It’s most likely why you’re here now.

Maybe you re one of thousands of people asking, Have I got PPI?

If you do have payment protection insurance on any of your finance agreements, you probably want to know if it was mis-sold or not. If it was, you’ll want to get your money back.

Below are some key points for you to consider before starting your PPI claims.

The PPI Deadline

There isn’t a PPI deadline yet . But the arrival of a cut off date is looking more and more likely with each week that passes. Martin Lewis of has argued against a PPI claims deadline, as many others in the arena have.

The main banks, on the other hand, have pushed for a deadline to be implemented on more than one occasion now. That’s not surprising when you consider that the total amount they’ve paid out so far in PPI refunds is in excess of £25 billion. And the claims keep on rolling in.

George Osborne, the Chancellor, is also keen for a line to be drawn under the whole PPI saga. He recently ousted Financial Conduct Authority (FCA) chief Martin Wheatley, which was the first step in opening the door to a change of policy at the financial regulator.

So if you’ve been putting off your PPI claim up till now, the potential for a claims deadline is a very good reason to get started sooner rather than later. You don’t want to be duped twice on the same money.

Do I Have To Use A Claims Company To Claim PPI?

Depending on where you go for advice on the best way to claim PPI, you may have been actively encouraged not to use a claims company. The advice is often something like, “It’s easy to claim by yourself.”

Of course, ‘easy’ is a relative term. While claiming PPI can be relatively simple in some cases, quite often it isn’t. You only need to recall the BBC article in August 2014 — which reported that 2.5 million claims were to be re-opened — to realise that PPI claims are often anything but simple for people claiming by themselves.

The reason those claims were to be re-opened was because their outcomes were questionable. The story went on to explain how the FCA said that firms were to re-examine some 2.5 million PPI complaints amid claims of underpayment and, far worse, outright rejection of legitimate claims .

It was estimated that the total amount underpaid was £1 billion (there’s that figure again). It’s fair to assume that of those 2.5 million claims, most — if not all — of the victims took their banks’ findings at face value. If they had suspected they were being duped again, they surely would have taken the next step of going to the Financial Ombudsman Service (FOS) for an independent review.

While we can’t categorically state whether those 2.5 million underpayments and rejections would have happened had these people been our clients, we believe it’s unlikely. When you do a job day in and day out, you become good at spotting things that are amiss.

Receiving rejection letters for legitimate claims or a lower-than-expected refund offers usually stands out like the proverbial sore thumb to us. We then challenge it and usually get the appropriate outcome and correct refund for our clients.

How To Claim PPI Without Account Numbers

Not having account numbers is fairly common when it comes to PPI claims. If the policy has already run its course, you will have most likely discarded the paperwork. It is still possible to claim on those policies, though.

If you are claiming by yourself, it will involve a reasonable amount of work, but it s possible. You’ll need to run a credit check on yourself to begin with. There are many services available to do this. We recommend either or

Simply sign up, go through the process of generating your report and then download it. It’s best to print the report out, but not essential. Go through the report and look for the finance agreements that had PPI attached. For policies that had PPI, note who the provider was. Then contact the provider and ask for copies of your paperwork.

If That Seems Like Too Much Work

There is a simpler way to claim PPI without account numbers or paperwork. We have negotiated special agreements with a significant number of banks and lenders (currently more than 50 lenders, with more being added each month). These agreements allow us to get claims started even without account numbers.

All you need to provide is your name and the address you were living at when you took the finance out.

Your bank or lender will then use that information to check their entire database for any history you have with them. In many cases (but not all), they will also check with their sister companies.

There isn’t one, except that this agreement is not available to individuals claiming PPI by themselves. It’s an agreement negotiated between us and the banks to help speed the claims process up. Since its implementation, it has helped to do just that.

A No Obligation Chat

If you’ve been procrastinating on starting your PPI claims, you would likely benefit from having a chat with us. You don’t have to use a claims company to claim back your money from mis-sold PPI. For many people, though, it’s the difference between getting their money back, or not.

To chat further, just pop your details into the short form above and we will call you back. You are not under any obligation to pursue your claim further should you decide not to.

If you prefer to call us, you can do so for free on 0800 840 7290 .


Unemployment Benefits Contact Information for Claimants #claim #your

unemployment claim number

Unemployment Benefits Contact Information for Claimants

Online Services Information

Internet service is generally faster than calling an unemployment benefits Tele-Center.

  • Unemployment Benefits Services at
    • Estimate potential benefits
    • Apply for benefits
    • View Electronic Correspondence
    • Request payment
    • Check claim status and payment history
    • Request Your Waiting Week
    • View Appeal Status
    • Update your mailing address
    • View IRS 1099-G information
    • Change payment options
    • Download a work search log
  • – Register for job search assistance and use TWC ‘s online job resource.
  • Unemployment Benefits Information – Find information about applying for unemployment benefits and answers to frequently asked questions.
  • Get information on how to appeal an unemployment benefits decision for claimants and employers .

Debit Card Direct Deposit Information

  • Debit Card FAQ – Find answers to questions about the TWC UI debit card.
  • U.S. Bank – Get account information about your UI debit card at or call 800-657-6343.
  • Direct Deposit FAQ – Find out how direct deposit works and how to set up direct deposit for your benefits.

Tele-Center Phone Number Hours

To speak with a customer service representative, call an unemployment benefits Tele-Center. Business hours are Monday – Friday, 8:00 a.m. to 6:00 p.m. Central Time.

Tele-Serv Phone Number Hours

To request payment for weeks of unemployment, get payment information or the status of your claim, get general information about unemployment benefits, and establish or change your PIN. call Tele-Serv, TWC ‘s automated telephone system. Claim status and payment request options are available daily, 7:00 a.m. to 6:00 p.m. Central Time. General information is available anytime.

Benefit Overpayment Collections Unit

To request information on how to repay the unemployment benefits you were not eligible to receive, contact the Benefit Overpayment Collections Unit Monday through Friday, 8:00 a.m. to 5:00 p.m. Central Time.


RI Department of Labor and Training Unemployment Insurance #credit #card #claims

unemployment claim number

INTERNET EXPLORER v10 USERS – You must chose compatibility view before advancing through the claims-filing screens. To choose compatibility view, click on the broken-paper image next to the URL address at the top of the page.

The Department has developed fact finding questionnaires for claimants and employers to expedite the telephone interview with the Central Adjudication Unit. Click here to access them.

If you do not wish to provide a statement, please complete the Decline to Provide a Statement form located here. Please note if you decline to provide a statement, the Department will render a decision based only upon the facts present at the time the determination is made and the department will not contact you for a statement

The Call Center hours are as follows:
Mondays: 8:00 a.m. to 3:00 p.m.
Tuesday: 8:00 a.m. to 3:00 p.m.
Wednesdays: CLOSED
Thursdays: 8:00 a.m. to 3:00 p.m.
Fridays: 9:00 a.m. to 3:00 p.m.

To reduce wait times, customers are encouraged to file a new claim or refile a claim online and only contact the Call Center if there is an issue with an existing claim. This allows call center representatives more time to be available for general inquiries and claims issues. If you have a question concerning an existing claim, please call (401) 243-9100.

If you are having difficulty reaching the Call Center, please note the following:

  • Mondays and Tuesdays typically experience the highest volume of calls during the week; callers experiencing difficulty earlier in the day may wish to try later in the day.
  • You may send any questions including questions about your Central Adjudication decision to UIhelp . Your email will be processed in the order in which it is received.
  • Hearing impaired customers may use TTY via RI Relay: 711

    Claimants Beware! DLT has been made aware of a third party organization that offers to assist individuals with filing a claim for Unemployment Insurance benefits. These organizations are often engaged unknowingly by individuals who use basic keyword searches in Google or other search engines. These web sites, not affiliated with the DLT or the United States Department of Labor. often feature write-ups on unemployment insurance programs and law and interactive maps of the states. Click to read more .

    You must use Teleserve online or by phone to complete the following:

    • Create a confidential Personal Identification Number (PIN) .
    • Listen to or read the Unemployment Insurance Benefit Rights .
    • Establish a Waiting Period Credit.
    • Certify for payments EACH WEEK you are requesting benefits.

    You must contact Teleserve each week even if your claim is in pending status or if you are denied benefits and are appealing your decision. Your weekly certifications will be held in pending status until a determination on your claim has been made.

    If you have returned to work since you last collected unemployment insurance, you cannot use TeleServe until you file a new claim or refile/reopen an existing claim through our internet filing system.

    TeleServe Hours of Operation:

    • Online:
      • Anytime Sunday through Friday
    • Phone: (401) 243-9600
      • Monday through Friday from 3:00p.m. to 5:00p.m. and 7:00 p.m. to 5:30 a.m. and
      • Anytime Sunday

    Please note that at times you may receive an automated message stating that we are unable to access our records due to system processing; if this is the case, please try again later.

    Frequently Asked Questions about Teleserve or Certifying Online

    Customers may file a new claim or refile/reopen an existing claim anytime online at:

    To check the status of your claim, click Access Account Information . You will need your BYE (Benefit Year Ending), Social Security number and PIN number to check your status. Your claim will be processed in the order in which it is received.

    Refiling/Reopening an Existing Claim:

    If you have returned to work any time since you last collected unemployment insurance, you cannot use TeleServe until you either refile your claim or file a new claim. Both filing and refilling can be accomplished online through our internet filing system .

    Unemployment Insurance (UI) provides temporary and partial wage replacement to workers who have become unemployed through no fault of their own. The program, funded by employer paid taxes, aids in maintaining the economic stability within a community by safeguarding the income and purchasing power of the unemployed worker.

    Please be aware that you must file a claim for RI Unemployment Insurance benefits yourself. No other organization can file for benefits on your behalf. You may file a new claim or refile/reopen an existing online at or by phone at (401)243-9100. Web sites and other organizations that offer to file benefits for you are not authorized in the State of Rhode Island.

    We have a guide available for customers to help them prepare the questions they may be asked when filing a new claim. You can also watch brief presentations on understanding unemployment insurance.

    Contacting UI. Call backs are made weekdays between 8 AM and 4 PM. If you are not available when the Call Center calls, a representative will attempt to reach you a second time. Please note that if you have received two answering machine or voice mail messages from the UI Call Center stating that a representative has been unable to reach you, your original request will be retired and you will have to make a new request for a call back. Requests are honored in the order they are received.


    Finance Reclaim Service #unemployment #claim #status

    ppi claims

    Here at the Finance Reclaim Service we are committed to helping people like you claim back money for mis-sold PPI, mortgages and packaged bank accounts.

    We believe it’s time the banks were held to task and that they should pay back every penny, plus interest, when they have mis-sold products to the public.

    You can count on:

    • a full refund plus interest
    • a friendly professional service
    • no hidden or upfront fees
    • a simple process
    • safety of your data
    • fully regulated by the Solicitors Regulation Authority

    For a no obligation chat about your claim for a full refund, give us a call on , we’re here to help.

    When I mentioned to friends that I was thinking about asking you to do my PPI claim for me, they told me not to do it because I would have to pay you far too much money. But my husband had a successful claim with you and I adopted the attitude “Well look, so what if I pay somebody to do it for me, I wouldn’t have any money anyway if I don’t claim.

    And I’m glad that I did ask you to claim for me because all I had to do was return some forms that were basically already completed and you had marked where I had to sign. It didn’t cost anything to send them back either and it was just so easy.

    For me, you made the whole process so easy and stress free they’re the two words that come to mind about your service: stress free .

    I don’t mind paying you because I feel that I paid for an excellent service.

    You kept me updated and informed about what was happening so I was never left wondering, and I ended up getting back money that I never knew I was entitled to in the first place.

    I’ve already recommend you to my son and I might have a go at my sister too. She’s been talking about claiming but somebody has convinced her that she should go straight to the bank to miss out the fees, but I’m going to tell her not to be so daft.

    With you, there’s just a form to post back, which is free, and you did all the work for me, so I didn’t have to go backwards and forwards with the bank.


    Gladstone Brookes #third #party #accident #claims

    ppi claims

    PPI Claims Information

    £24.8bn is the amount of money reclaimed across the entire PPI industry in mis-sold PPI claims. In 2015, the FCA reports average payouts per month at just over £370 million, with highs of £424.5 million in January and £410.3 million in April.

    What is PPI, and why do I keep hearing about it?

    Payment Protection Insurance is a type of cover intended to protect loaners’ repayments should their income be affected by accident, sickness or unemployment. What should have been a precautionary option however, was grossly mis-sold on an industrial scale to people who didn’t ask for, want or need it. Many who bought PPI would not have even been eligible to claim against it. The PPI scandal is the biggest in UK financial history. with millions reclaiming on what they were mis-sold.

    Industrial scale mis-selling

    Exactly how was PPI mis-sold? Here are some examples:

    • Added to finance agreements without consumer knowledge or consent
    • Sellers disguised the PPI extra as a part of the packages they sold – buyers thought it was actually mandatory, rather than an option
    • Sold to customers already covered by another policy, like full sick pay from an employer, making it an unnecessary cost
    • Overall repayment information didn’t stipulate the addition of PPI as an extra premium, hiding the cost as part of the main body of debt
    • Students, unemployed or retired people were all mis-sold to, as PPI doesn’t pay out for these groups
    • Exclusion clauses weren’t disclosed, meaning pre-existing medical conditions present upon buying PPI that would void any payout were disregarded

    Exposing the banks

    In 2005 a ‘super complaint’ by Citizens Advice to the Office of Fair Trading (OFT) followed a report they published which condemned PPI as a ‘protection racket’. The Financial Services Authority (FSA) took action. In a mystery shopping exercise, they uncovered layers of poor selling practices and lack of compliance which led to the mis-selling. As the FSA dug deeper into the exploitative actions, they began fining companies increasingly large amounts, with Santander fined £7 million for mis-selling. The number of complaints continued to rise and, in 2010, the FSA issued a consultation paper outlining how complaint handling could improve. The banks fought the recommendations in the High Court, however after their objections were overturned the resulting publicity only opened the floodgates for a deluge of new claims. In May 2011, PPI claimants received £39.8 million. By May 2012, that figure had rocketed up to £735.3 million for a single month.

    Positive track record

    Since its inception, Gladstone Brookes has reclaimed more than £700m for our clients who were mis-sold PPI. All without cold calling. Our knowledgeable, experienced team have helped us reach a 93% success rate for claims where PPI is attached to an agreement. As a result of helping our clients reclaim money which is rightfully theirs, 95%* rated our service as good or excellent.

    Making a claim

    Think you could be one of millions mis-sold PPI and yet to claim? Read what our clients are saying about us and, once you’re ready, you can start the process by calling our PPI claims team on 01925 558 850 08000 149 014 or by filling in the PPI form on our website.

    Follow Us

    Gladstone Brookes Ltd is regulated by the Claims Management Regulator in respect of regulated claims management activities; its registration is recorded on the website (CRM7004). Registered with the Information Commissioners Office; registration number: Z9988740. Registration Address: Railex Business Centre, Crossens Way, Marine Drive, Southport, Merseyside, PR9 9LY. Company Number: 06278129. Registered as a company in England Wales. Vat Number: 909 1828 09. † No Win, No Fee – Charges may be raised if you cancel your claim after the 14 day cool off period. *1955 / 4927 Reviews submitted Jan-June 2016. ‡ Success rate applies only on cases with PPI. ± Refunds obtained through our claims service, amount is prior to fees of 25%, VAT and any income tax. Gladstone Brookes Ltd – © 2016 – All Rights Reserved. Tel: 08000 461 825

    Read More This website uses cookies to improve your experience. We’ll assume you’re ok with this, but you have the option to opt-out. Accept

    Privacy & Cookies Policy


    How Much Car Insurance Do You Need? Personal Finance #accident #claims #calculator

    bodily injury liability

    How Much Car Insurance Do You Need?


    • Check out your state’s minimum insurance requirements. It’s possible that the minimum coverage required might not be that different than what you really need.
    • When deciding how much coverage you need, make sure you’re covered for an amount equal to the total value of your assets.
    • To keep premiums low, choose collision coverage with a high deductible, and plan to pay routine repair costs with your own money.
    • Related How-Tos


      Your auto insurance is a collection of different policies that cover you in different ways. Here’s how they break down:

      Liability coverage – These policies help cover liability and expenses when you’re at fault in and accident. The money will go to the people you hit, but it won’t cover the people in your car.

      Bodily Injury Liability (BIL) – This policy pays for the medical expenses of people injured in a crash in which you re at fault. You’ll often see BIL policies described as a “20/50” policy or a “100/300” policy. These numbers describe the maximum dollar amount the policy will pay for a single person’s injuries and the maximum for all the injuries sustained by all the occupants of the other car. For example, a 20/50 policy will pay a maximum of $20,000 for a single person’s injuries, and up to $50,000 total for the injuries of everyone in the car you hit.

      Property Damage Liability – This policy pays for damage done to the other car if you re at fault in an accident. Property liability is sometimes referred to alongside BIL as a third number, so a 20/50/10 liability package will cover up to $10,000 for damages to the other car.

      The following policies cover you and your card in an accident:
      Personal Injury Protection (PIP) – This covers your and your passengers’ medical expenses after an accident. If you lose time at work because of your injuries, this policy may also cover lost wages.

      Uninsured/Underinsured Motorist Coverage – This helps cover costs if you are hit by someone without insurance, or minimal coverage.

      Collision – This policy covers repairs to your car after an accident.

      Comprehensive – This policy covers costs if your car is stolen or damaged outside of an accident.

      Nearly every state requires car owners to carry auto insurance, and most states have required minimum values for different policies. If you don t carry insurance, the state can impound your vehicle. To find out what your state’s minimums are, check out this Web site .

      Minimum coverage isn’t necessarily all you should have. New Jersey, for example, requires car owners to carry a 15/30/5 liability package. If you re involved in a serious accident, it’s possible that an individual’s medical expenses could exceed $15,000, or a group s expenses could total more than $30,000. In addition, $5,000 for car repairs isn’t a lot, considering that the average car now costs a little more than $20,000.

      You re on the hook when costs exceed your coverage limits. That’s why many people opt for policies that cover more than required minimums, particularly if they have assets that can be seized to pay for repairs and medical care.

      A good rule of thumb: Make sure you re covered for an amount equal to the total value of your assets (Add up the dollar values of your house, your car, savings and investments).

      How much insurance do you need for yourself?

      You probably don’t need to spend a lot of money on a Personal Injury Protection policy. You should be covered if you have health insurance and disability insurance through your employer. Just buy the required minimum.

      You do need to make sure you have adequate coverage against uninsured and under-insured drivers. It’s relatively inexpensive in most states (something like $40 a year for $100,000 worth of coverage) and if you are in a collision with an uninsured driver, will help cover costs your health insurance won’t. If you ve decided to carry BIL for $100,000/$300,000, do the same for yourself.

      Collision and comprehensive coverage is worth having if you would want to repair or replace your car after an accident. These policies have a deductible (the amount you have to pay out-of-pocket before coverage kicks in), and they pay out based on the current value of your car, not what you paid for it.

      Choose the highest deductible you can afford, because a higher deductible will significantly lower your premium. You re seeking coverage for major damages to your car, not for every little thing that can go wrong. It’s better to spend $500 of your own money on minor repairs every so often than pay an extra $50 a month whether you need repairs or not. Save collision insurance for when you have car repairs that cost thousands, not hundreds. Remember, if you submit a claim for every little thing, your premium will increase.

      A handful of states require car owners to carry no-fault insurance, policies that pay out no matter which driver is at fault in an accident and limit your ability to sue other drivers.

      Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania, Utah and Puerto Rico requires car owners to carry this protection, though the rules around how these policies work vary by state. These policies tend to be expensive, so be sure to shop around for the best deal if you live in a no-fault state.

      How to Shop for Car Insurance

      Once you ve decided how much car insurance you need, it s time to begin shopping. Auto insurance policies vary widely depending on your car, your driving record and your credit, so it s wise to do some research.

      Go to and and fill out the application form. After a short time, you’ll receive comparable quotes from several insurers. There are three kinds of insurers:

      Direct sellers – You re likely familiar with these brand names, such as GEICOs and Progressive. These companies sell coverage directly to you, bypassing traditional insurance agents. Since there’s no agent, there’s no commission; theoretically the savings are passed on to you. But these insurers accept only the best drivers, so you may have trouble qualifying for coverage if you have a history of accidents or moving violations.

      Large national brands – Allstate and State Farm are better equipped for drivers with a bit of a blotchy past, and their rates are usually pretty good (they may even be able to match some of the offers from the direct sellers). These companies sell through local agents, but their agents are exclusive—a State Farm agent sells State Farm coverage and nothing else, so you ll have to do your own comparison shopping.

      Independent insurance agents
      – These sellers offer all kinds of insurance from many different companies. If you have any issues affecting your ability to get coverage (such as a patchy driving record or a teenage driver in your house) independent agents can usually find you better coverage at better prices than what you’d find on your own. Ask friends and family whether they have an insurance agent they would recommend.

      A few tips for negotiating with an insurer:

      Ask about all available discounts – There is almost always a way to save money. You may get a discount if your car has anti-lock brakes, if you don’t drive your car that often or that far, and so on. Request a list of all possible discounts to see if you qualify.

      Skip towing insurance – It’s better to take that extra money and join an auto club (such as AAA ) instead. In addition to towing, you ll have roadside assistance when you need it.

      Consider glass insurance – You can chip a windshield at any time, and auto glass is expensive to replace. Just make sure that glass is part of your comprehensive coverage, and not as a separate policy, which can be costly.

      Related WSJ Articles and Blog Posts:

      Online Tools:

      • — A place to get car insurance quotes in your area.
      • — Another hub for auto insurance quote comparison and information.
      • — Calculate how much coverage you need and how much it will cost.

    Additional Resources:

    • American Insurance Association — The leading property-casualty insurance trade organization.
    • American Auto Association — Giant group for various car-related issues, from flat tires to finance.
    • WSJ Autos — The Journal’s coverage of all things auto.


    How to Take Someone to the Small Claims Court in the UK #claims #for #whiplash

    how to take someone to small claims court

    How to Take Someone to the Small Claims Court in the UK – 2015

    Hi, my name is Paul Fletcher from Lancaster in the UK. In 2015, I successfully used the Small Claims Court to settle a rental dispute with my Landlord. I was a complete novice when I started this process having never had any involvement with the Law or the UK Court system. When researching my case I could not find a simple, concise, ‘How-To’ guide to the Small Claims procedure so I decided to write one.

    When you take somebody to Court there are many possible scenarios and outcomes that can occur. Most websites that cover this subject are overly complex and also unsympathetic to the Lay person or anyone coming in ‘cold’. This site covers the main topics that most Claimants will require, with I hope sufficient detail to provide you with the knowledge and confidence to bring your Claim to a successful conclusion.

    I used the excellent Money Claim Online website also known as, to start my Small Claims action – the alternative method is to get an N1 Form from your local County Court – I’d recommend using MCOL, and this website deals with Cases started via the MCOL route .

    Here are 4 things that I wish I had known when I first considered legal action:

    • Taking somebody to court is actually quite easy. you go to the MCOL site . register as a user and away you go (but please take advice from this website before doing that! ). I had a consult with a solicitor before launching my case, but that wasn’t strictly necessary.
    • Taking someone to court will cost you money. you pay Fees as the Case progresses through the Court system, I paid £375 in Court fees, the fees vary depending on how much you claim (see MY CASE below).
    • Taking someone to court will take time. the wheels of due process move slowly, you need to accept this and play the long game. My case took over 6 months from start to finish.
    • The Small Claims process actually works. if you have been ripped-off and are considering legal action, I say go for it, I’m certainly glad I did.

    I have divided the Small Claims process into a number of Logical Steps (see above left) on the Main Menu. I would advise you to read through the entire process before starting your Claim, as I stated above, taking someone to court is easy, but you need to know what you are letting yourself in for before going ahead.

    MY CASE: I claimed £1650 from my Landlord who evicted me at short notice and then refused to return my deposit and 6 weeks advanced rent. The fees were £105 to start my Claim on MCOL, then a Hearing fee of £170. And finally, £100 to Enforce the judgment. Total £375. I won the case and the fees were added to my Claim, i.e. the final cost to my Landlord was over £2000. For an explanation of costs, see Small Claims Court Fees or see My Court Case for details of what happened to me.

    Terminology: Why the Small Claims ‘Court’ doesn’t exist
    The term ‘Small Claims Court’ has slipped into common parlance, it is however something of a misnomer; the term ‘Small Claims Court’ is unofficial shorthand for the Small Claims Track of the County Court. There are 3 County Court Tracks that deal with Cases according to their complexity and the amount/value of the Claim. Your Claim will be dealt with by the County Court. but using the rules, processes and procedures of the Small Claims Track .

    When does your Claim become a Case?
    When you take a person or company to Court, what you are in fact doing is Making a Claim against them, your Claim becomes a Case when it is allocated to a Court Track. This terminology is important to understand when dealing with the Court Office and following Court procedures. Both Online and hardcopy Court documentation use the term Claim in the early stages and Case in the later stages.

    England and Wales, Scotland, NI
    This website, and my experience, is with the Courts system in England and Wales. In Scotland and Northern Ireland there are equivalent Small Claims tracks, but the rules/procedures are different (e.g. the limit for a Small Claim in Scotland is £3000 whereas in England and Wales it is £10,000). See the Useful Sites page for the respective Scottish and NI Court websites.

    Going to Court – What’s the first Step?
    The first step is trying to stay out of Court. You may have been ripped-off and want to see justice done, but you need to at least try to settle the matter before going to Court. If your Case progresses to a Hearing, the Judge will want to see that you took reasonable steps to avoid Court action, so the first step is Resolving the dispute without going to Court.


    Bodily Injury Liability #check #your #claim #status

    bodily injury liability

    Bodily Injury Liability

    What does bodily injury liability coverage cover?

    Bodily injury liability (BI) pays, up to your policy limits, for injuries or death that you (the policyholder), or other drivers covered by your car insurance policy, are found responsible for after a motor vehicle accident. Policy terms vary but typically bodily injury liability car insurance will pay, up to your policy limits, for:

    • Medical expenses
    • Funeral expenses
    • Loss of income
    • Pain and suffering
    • Legal defense if a lawsuit results from the auto accident

    Policy limits for bodily injury liability are per person and per accident and coverage is written as such. For example, $25,000/$50,000 means that the maximum payout per person is $25,000, and the maximum payout for all people injured in one accident is $50,000. This coverage may also be simply written as 25/50.

    Bodily injury liability does NOT cover your injuries, only the injuries of others that you are liable for. For your personal injuries to be covered, you would need coverages such as personal injury protection (PIP) or medical payments (MedPay).

    Is bodily injury liability coverage mandatory?

    Yes, in most all states bodily injury liability is required as part of the minimum auto insurance coverages you must carry as a car owner.

    Car insurance companies normally require that you carry the same level of liability coverage on each vehicle listed on your policy. In some states, you must carry the same liability limits on all cars that you own.

    Recommended limits for bodily injury liability coverage

    The Insurance Information Institute (III) and other insurance industry experts recommend bodily injury liability coverage of $100,000 per person and $300,000 per accident (referred to as 100/300 coverage). If you can afford higher limits, that is even better for the protection of your assets.

    What happens if I don t have bodily injury liability coverage?

    If you don t carry bodily injury liability and the state requires it, then penalties can be handed out, such as fines and suspension of your license, and/or vehicle registration.

    Also, without bodily injury liability coverage on your car insurance policy, you will be held personally responsible for any injuries you cause to others in an auto accident. This could mean you are forced to liquidate property, savings and other assets in order to pay for a judgment against you.

    A few states don t require bodily injury liability coverage; however, it is still recommended that you carry this coverage to better protect you and your assets.

    If you do carry bodily injury liability coverage, but with low limits, you still could be putting yourself at risk financially, since if you cause a serious accident where injury expenses exceed your limits you can be held responsible for the amount above your limits.

    Is medical expense car insurance coverage necessary if I have bodily injury liability coverage?

    Bodily injury liability and medical payment are not the same type of coverage, each is in place to cover different things. BI is to cover those that you may cause injury to when at fault in an accident while Medical Payments coverage is there to cover you and your passengers when you are injured, no matter who was at fault in the accident. There may also be coverage if as a pedestrian a vehicle injures you.

    Medical payments may also cover policyholders and their family members when they are injured while riding in someone else’s car or when they are hit by a car while on foot or bicycling. Coverage of course is limited to the terms and conditions contained in your specific car insurance policy.

    Bodily injury on the other hand does not cover you if you are injured in an accident. Bodily injury liability (BI or BIL) is for those that you cause injuries to when you are at fault in an accident. BI is mandatory in most states.

    Bodily injury covers other people’s bodily injuries or death for which you are responsible. It also provides for a legal defense if another party in the accident files a lawsuit against you. Claims for bodily injury may be for such things as medical bills, loss of income or pain and suffering. In the event of a serious accident, you want enough insurance to cover a judgment against you in a lawsuit, without jeopardizing your personal assets.

    If you and your regular passengers already have health insurance that covers similar expenses, medical payments coverage may be unnecessary. Check your health insurance policy for details since some exclude coverage for injuries received in a car accident.

    Compare Quotes Now


    Making an Injury Claim for Whiplash After an Accident #personal #injury #accident #claim

    whiplash claims

    Making an Injury Claim for Whiplash After an Accident

    “Whiplash” is the common term for the injury and subsequent medical fallout resulting from an abrupt back-and-forth flexion of the neck, which is common in car accidents. Chances are you’ve seen whiplash portrayed on television, usually involving a less-than-reputable plaintiff’s attorney fitting a client with a neck brace for a fake injury. The reality is that whiplash can be very painful and disruptive, and filing a lawsuit for a whiplash injury could be your best option in some situations.

    Immediate Medical Treatment is Essential to Proving Whiplash

    If you have been in an automobile accident, seek medical treatment immediately if you feel even the slightest amount of pain or discomfort. Many conditions such as whiplash, back strain, and other soft tissue injuries do not become immediately symptomatic after an accident.

    Treating physicians, when presented with the facts surrounding a particular accident, will know to look for signs of whiplash that may otherwise go unnoticed by a layperson. It is essential to your injury case that the first disclosure of medical information come from a physician. Insurance adjusters look at whiplash cases with suspicion in the best of circumstances. Do not make any statements about how you feel at the scene of the accident — seek medical attention, and let your records tell the story.

    File a Claim as Soon as Possible

    If you have a medically-documented case of whiplash, do not delay in starting the claim process. If you live in a no-fault state. notify your insurance carrier. If you live in a state that allows suits for personal injuries after an auto accident. notify the offending driver’s insurance company — in writing — of your injuries and your intent to file a claim. There is no sense in “sandbagging.” Your injuries may get worse; they may get better. The sooner you notify a potential payee of your claim, the sooner you may be reimbursed for your medical bills.

    Document Your Medical Expenses

    If you are making a claim with an insurance carrier, be sure to document all of the expenses you incur relating to your treatment and rehabilitation. These include economic damages such as mileage, lost wages, medical bills, prescription costs and insurance co-pays. Any out-of-pocket expenditure could potentially be a reimbursable cost. Insurance adjusters need proof of loss for every dollar they pay out, and they appreciate documentation for any and all expenses. If you make their lives easier by keeping complete records, you may find that money starts coming your way sooner rather than later.

    You May Need to File a Lawsuit

    There is no guarantee that an insurance adjuster will pay out on your claim. There is no guarantee that the person who caused the accident will even have insurance. You may have to file a personal injury lawsuit to facilitate collection of your damages.

    In no-fault states, pursuing a lawsuit for a whiplash injury can be difficult due to threshold injury and damage requirements. In states not governed by no-fault law, you may be able to file a lawsuit as a matter of right. Should your case go to suit, you may be able to recover non-economic damages such as pain and suffering in addition to your economic damages. A local attorney is best positioned to advise you on the laws of your jurisdiction and the potential outcome of your case.

    Whiplash injuries sustained in automobile accidents are often derided as “fake claims,” but they are legitimate soft tissue injuries. A sudden, violent extension and retraction of your neck can cause serious physical problems, and can impair your ability to function on a day-to-day basis. Following a few simple steps could greatly increase your ability to get fair compensation for your injuries.


    Whiplash Claims #the #claim

    whiplash claims

    Whiplash Claims

    Every year, thousands of people in the United Kingdom suffer from some form of whiplash injury, but what many people don t realise is that they may be able to claim compensation to help to make up for their suffering, and to help them to recover any financial losses.

    If you have had an accident which was not your fault, and that accident resulted in a whiplash injury, then read on because it s probable that you may be able to make a claim.

    What Is Whiplash?

    First things first, whiplash is a popular term most commonly commonly used for a neck related injury which has been sustained due to a sudden movement of the head or neck. If the head is thrown suddenly forwards, sideways or backwards by any kind of accident, the ligaments and tendons in the neck may become stretched or damaged.

    Whilst claiming compensation for whiplash injuries is most commonly associated with car accident claims. there are actually many other things which can cause this type of injury. For example, any slip, trip or fall which causes the head to be jerked suddenly in one direction can cause a whiplash injury.

    What Are The Main Symptoms Of Whiplash?

    Whiplash can affect different people in different ways, and you may not necessarily be suffering from all of the symptoms mentioned below. You may not notice the symptoms of whiplash immediately, because they normally take 6 – 12 hours to develop. In some cases, it takes much longer than that for people to notice any symptoms of a whiplash injury.

    These symptoms may also gradually worsen for several days after the accident and may continue to affect the victim for several months after the accident which caused the initial injury. In very rare cases, the symptoms may become chronic and the condition can persist for much longer than six months.

    There are many different symptoms associated with whiplash, including:

    • Neck pain and stiffness
    • Reduced movement of the neck
    • Swelling or tenderness of the neck muscles
    • Headaches
    • Pins and Needles
    • Numbness or shooting pains in the arms or hands
    • Muscle Spasms
    • Dizziness
    • Blurred Vision
    • Tiredness

    Chronic whiplash can also leave sufferers with psychological and emotional symptoms, such as anxiety or depression.
    If you begin to experience any of these symptoms after a neck injury, you should contact your doctor for professional medical advice.

    Are All Whiplash Claims The Same?

    Every whiplash claim is different, due to the fact that whiplash affects people in many different ways. The extent of a whiplash victim s injuries can affect how much the injury impacts on their quality of life, and therefore it affects how much your claim may be worth.

    When you are making a claim, you will have to discuss your symptoms with a legal professional, describing any losses which you have incurred as a result of your accident and mentioning any additional problems which you might have encountered as a result of your whiplash injury. The amount of compensation which you receive may also depend on the circumstances which surround your accident.

    Making The Claim

    If you decide that you are interested in making a claim for compensation which is related to a whiplash injury, you should get in touch with a qualified legal professional to discuss your claim. Within the space of a short consultation session, they will be able to decide whether you have a valid and viable claim and whether it is worth it for you to go ahead with the claim or not.

    Many claims companies are able to offer this initial consultation session for free, so that accident victims are able to find out whether they are able to make a claim without having to spend any money.

    Some people are also able to pursue claims on a no win, no fee premise, meaning that they do not have to pay any professional fees unless they win the case. If you are offered this type of payment arrangement, always check that you fully understand the terms before signing up.

    Your solicitor will be able to talk you through how your claim will work. Their knowledge and expertise should help you to be able to maximise your claim, whilst minimising the inconvenience that the claim causes for you. If you need any further evidence to support your claim, including an independent medical examination, your solicitor will be able to help you to arrange it, whilst offering any further support or advice which you may need.

    Read our Whiplash Claim Calculator guide to find out what you claim could be worth.


    A quick refresher on liability coverage #car #accident #claims

    bodily injury liability

    A quick refresher on liability coverage

    Bodily Injury and Property Damage Liability coverage make up the core of your car insurance policy; here’s what they do and what to think about when choosing coverage levels

    There are two types of liability coverage on your car insurance—Bodily Injury (BI) and Property Damage (PD).

    They cover your legal liability if you re at fault in an accident that involves injury to others (people in the other car, pedestrians, etc.) or damage to owned property (fences, garage doors, light poles, etc.)

    Understanding coverage limits

    It gets a little more involved when it comes to the limits of your liability coverages.

    A limit is the maximum amount your insurer will pay, per accident, for a covered claim. Anything above the limit is your responsibility. You choose your limits for BI and PD when you buy your policy.

    BI and PD limits can be listed on your policy in a couple of ways.

    The first way is to list them as three separate dollar amounts.

    • The first refers to the maximum amount to be paid per person for injuries (in other words, no individual will get more than this amount).
    • The second is the maximum amount to be paid for all injuries (when you add up all the BI payouts, the total can’t exceed this amount).
    • The third is the total amount to be paid for damage to property.

    As an example, the limits might read like this on your policy: 100/300/100. This translates to $100,000 per person for BI, $300,000 total per accident for BI, and $100,000 for PD.

    The second way is to list them as a combined single limit. Rather than three separate dollar amounts, it’s a single maximum payout amount that applies to all injuries and property damage in a covered accident.

    How much coverage do you really need?

    Progressive s internal data shows that less than two percent of our customers ever file a BI claim. And about 97 percent of those who do file a claim require less than $50,000 total for BI losses.

    Remember, though, that insurance is meant to cover those rare but sometimes severe loss situations. The premiums you pay will reflect the liability exposure you select in your limits. You’re paying for peace of mind.

    This is why it s important not to just arbitrarily choose your bodily injury liability and property damage liability limits. Just call us, or your independent agent, and ask for a policy review. Or if you re just getting a quote with us, be sure to use our Coverage Checker option on Any of these methods will help you figure out whether a particular coverage limit is too high or too low for your particular needs.

    You might think it s odd that a car insurance company would tell you something like this, but we d rather help our customers achieve the kind of just right balance they want.

    Share this article:


    Why You Need Bodily Injury Liability Coverage #how #to #claim #incapacity #benefit

    bodily injury liability

    Why You Need Bodily Injury Liability Coverage

    As an attorney who specializes in car accidents, I get asked all the time about auto insurance. What is the best policy to get? How much should I spend? What do all the different terms mean? While Kemp, Ruge Green Law Group does not support one auto insurance company over another, nor can we put dollar amount on what is best for every individual and family, we can explain what the different terms mean. In previous posts we discussed uninsured/underinsured motorist coverage in “Why You Should Get Uninsured/Underinsured Motorist Coverage ” and Personal Injury Protection (no-fault insurance) in “Updates On Personal Injury Protection (P.I.P.) In Florida .” Now, we will explain discuss Bodily Injury Liability Coverage (B.I.)

    Of all the main insurance terms, B.I. is the one that most confuses people and with good reason. Most insurance coverage is designed to protect the person buying the insurance coverage. For example, when you buy health insurance, you buy it so if you get sick, you can go to the doctor to get better. You do not buy health insurance, in case you get someone else sick, so he can go to the doctor. However, B.I. is purchased precisely so that if you are driving on the road and cause an accident, your insurance company will pay (at least up to the limit of your policy) for the injured party or parties to get medical attention.

    Now, do you have to purchase B.I. to drive an automobile in Florida? No…with exceptions. If you have been convicted of Driving Under The Influence (DUI), then according to Florida Statute 324.023, you are required to carry B.I in the amount of $100,000 per person and $300,000 per accident. You would then be required to carry that for 3 years after you get your license back. But, if you have not been convicted of a DUI, then no, you do not HAVE to get B.I. However, we are here to propose two great reasons why you should.

    1. It does not matter how fantastic and careful of a driver you are. We ALL make mistakes. It would be nice if all mistakes were made at low speeds when no other cars were around, but life is not like that. Accidents happen everyday on 275, 1-4, 54, and basically any other major road you could think of around here. Most of the accidents were someone’s fault, and most of the at-fault drivers probably thought they were incapable of making a mistake, too. If those drivers that caused the accident did not have B.I. to cover the costs of the other drivers’ injuries, then the injured drivers can go after the at-fault drivers’ assets. They can go after your business, investment property, stocks, etc. So much of what you worked so hard for could be gone, just because you didn’t want to pay a few extra dollars every six months.

    “AHA” you may think to yourself, “but I don’t have any assets, so I will keep my extra few dollars.” Unfortunately, you are still not off the hook. The Florida Financial Responsibility Law requires that an at-fault driver that causes personal injury in an automobile accident must provide at least $10,000 per person and $20,000 per accident. If you do not have B.I. and you do not have the money to cover it out-of-pocket, then you could lose your license. Granted, if you do not care about money, and do not care about driving, there is still ONE more reason you should get B.I. Do it for your health.

    2. As we discussed in an early post, uninsured/underinsured drivers are everywhere. If one of them hits you and causes severe damage, you (most likely) will not be able to pay for the treatment or spend years trying to paying off medical bills. What does this coverage have to do with B.I. Everything! You cannot get uninsured/underinsured motorists coverage WITHOUT first getting B.I. If you want to protect you and your family from other people’s negligence, you also have to protect other drivers from you and your family’s negligence.

    The Kemp, Ruge Green Law Group sincerely hopes all of you that have read this that do not have B.I. will head to the phone and call your insurance agent to get it. For those of you that already do, you made a great choice in protecting yourself, your family, and your community; it’s a win-win-win! As always, if you or someone you know, has been in an accident or has questions for us, contact us today or just leave a comment. We will get back to you as soon as possible.




    Bodily Injury Liability Insurance: What it Covers – How Much to Buy #manulife #claims

    bodily injury liability

    Bodily Injury Liability Insurance: What it Covers How Much to Buy

    Bodily injury liability coverage will help pay for another person’s injuries in a car accident for which you are found to be at fault. It is one of two types of liability auto insurance. The other, property damage liability coverage, pays for damage you may cause to the other driver’s car. Some minimum amount of both types of liability car insurance is typically required by states.

    Let’s take a closer look at exactly how bodily injury liability insurance works, what it covers, and how much you need.

    What It Covers

    Bodily injury insurance will cover a portion of the short- and long-term costs related to injuries. These include not just passengers, but also pedestrians and bystanders who may have been involved. Here are some examples of what bodily injury insurance typically covers:

    Medical expenses. Bodily injury insurance covers hospital fees and emergency care associated with the accident. For some claims, it may also cover follow-up visits and equipment costs (such as crutches).

    Legal fees. In case of an accident, the other party may file a lawsuit against you. Bodily injury insurance often covers legal defense fees and can help defray significant court costs.

    Loss of income. Let’s say the other person suffers an injury that interferes with their ability to work – maybe they work in a physically demanding environment, or need several months of rehab. In this case, bodily injury insurance may compensate for this time period.

    Pain and suffering. This can be a tricky cost to quantify, but the other party may claim repayment for lingering pain or emotional distress as a result of the injuries.

    Funeral costs. In the event of fatalities, bodily injury coverage will also help pay for the funeral costs.

    How It Works

    Liability insurance packages come in two varieties: combined single limit policies and split limit policies. In a combined single limit policy, your policy will offer a certain amount of coverage, and you can decide how to divide that coverage between bodily injury and property damage.

    If you purchase a split limit policy, you will notice that there are two numbers involved. The first number is the limit per person – the maximum amount that your insurance provider will pay for injury expenses for any single person involved in the accident. The second number is limit per accident. or the maximum amount the provider will cover for all people involved in the accident.

    25,000/50,000 or 25/50

    Using the above bodily injury liability policy limits (25,000/50,000), let’s look at a few scenarios.

    Scenario 1: One person injured in an accident you cause. Total cost: $30,000. Although your policy covers up to $50,000 per accident, it only covers up to $25,000 per person. You are responsible for the remaining $5,000.

    Scenario 2: Two people injured in an accident you cause. Total costs: $65,000 for person 1 and $20,000 for person 2. In this case, since your per limit is $25,000, you are responsible for the remaining $40,000 cost of Person 1’s medical bills. However, since your per accident limit is $50,000, your policy would cover the entirety of Person 2’s bills.

    Scenario 3: Four people. Total costs: $20,000, $20,000, $15,000, $10,000. In this case, everyone is within the per person limit. However, the $65,000 total is above your per accident limit. In this case, the insurance company would cover payments based on the order the claims are processed in. After your $50,000 is used up, you’ll be responsible for the rest.

    When looking at a split limit policy, you may also see a third number. This last number is the limit for property damage liability coverage. In that case, the limits may be expressed as 25,000/50,000/20,000.

    How Much Is Required?

    States typically require motorists to carry a minimum amount of bodily injury and property damage liability insurance. The map below shows the minimum amount of bodily injury coverage your state requires per person injured in the event of an accident.

    Minimum coverage requirements last updated November 2014

    There is an exception to the rule of state-mandated insurance. Several states allow drivers to “self-insure” by demonstrating they could pay for any expenses that would result from an accident. This may involve posting a bond or depositing large amounts of savings with the state. New Hampshire is an example of a state that technically does not require drivers to carry insurance so long as they have significant funds at their disposal in the event of an accident. If a New Hampshire driver opts for insurance however—as nearly all do–they must meet the state’s minimum requirements.

    How Much Does It Cost?

    When deciding how much bodily injury liability insurance to buy, you may want to know how much additional coverage above the minimum required will cost. You can use the WalletHub Car Insurance Calculator
    to compare personalized quotes for different levels of bodily injury coverage.

    The table below provides an example of the average additional cost drivers in Northern Virginia may incur annually if they purchase more than the $25,000/$50,000 coverage required in that state. Because insurance costs vary by driver, we provide the added cost for a driver with a clean driving record and others with a recent accident or traffic violation.

    Added annual cost for additional coverage

    From $25K/$50K to $50K/$100K

    Note: Average calculated from quotes by multiple insurance providers for a 37-year old female with excellent credit in zip code 22209 driving a 2008 Honda Accord.
    *Monthly cost also includes $50,000 in property damage liability insurance and collision and comprehensive insurance with $500 deductibles.

    How Much Coverage Should I Buy?

    While the average bodily injury claim in 2012 was about $14,600, according to the Insurance Research Council, your costs could spiral if you are found responsible for a car wreck that causes injuries (or even death) for multiple people. If these expenses exceed the limits on your insurance policy, the other parties may come after you for the balance, putting your assets at risk.

    Our advice is to strongly consider buying the most coverage you can afford. This will not only allow you to protect your assets, it will also give you peace of mind that your insurance will cover expenses related to any injuries you cause. In any event, make sure you are covered at least by the minimum limit your state requires.

    Image: Tom Wang/Shutterstock

    Editorial Disclaimer: Editorial content is not provided or commissioned by financial institutions. Opinions expressed here are the author s alone and have not been approved or otherwise endorsed by any financial institution, including those that are WalletHub advertising partners. Our content is intended for informational purposes only.

    Ad Disclosure. Offers originating from paying advertisers are noted as Sponsored on the offer s details page. Advertising may impact how and where offers appear on this site (including, for example, the order in which they appear). At WalletHub we try to list as many offers as possible but we don t make any representation of listing all available offers.

    Community Discussion


    The symptoms of whiplash and how to claim compensation for an injury – Mirror Online #injury #claims

    whiplash claims

    The symptoms of whiplash and how to claim compensation for an injury

    If you ve been a victim, you re entitled to claim

    Many of us don’t actually realise the severity of whiplash and the impact leave on a person’s life.

    There really are quite a few different ways to suffer from this elusive injury. Some can leave you feeling the pain for days, others months, and some never really ever go away.

    If you’ve suffered a whiplash injury resulting from a car collision that wasn’t your fault, you could be entitled to make a claim for personal injury compensation – despite what ‘some people’ might say about the validity of your claim.

    The cause of whiplash

    Although the most common cause of a whiplash injury is a car accident, any situation that causes the muscles and ligaments in your neck to extend beyond their normal range of motion will easily do the damage.

    Symptoms of whiplash usually start occurring anything from a few hours to several days after the accident has happened and, contrary to popular belief, they can incorporate the entire back, not just the neck.

    Stiffness in the neck

    Pain and weariness

    Lower back pain

    How to prove you have whiplash

    As with any personal injury resulting from an accident; the devil is in the details.

    The details of whiplash are a little peculiar in the fact that it can be a little difficult to prove through medial examinations.

    There aren’t any fractures to be found, no tears or rips to be fixed and almost no swelling, so the only real symptoms to go on are stiffness in the neck and a whole world of pain.

    There are a lot of ways to suffer a whiplash injury; anything that results in your neck being pushed back or forwards at a high speed.

    This could be from being hit in a fight or being on an amusement park ride but by far the most common occurrence is from being in a car accident.

    In the last decade or so, whiplash claims from car accident has more than doubled, accounting for around 74% of personal injury claims .

    You can claim, no win no fee

    If this is sounding all too familiar to you because you’ve been involved in an accident that wasn’t your fault, Accident Advice Helpline can assess your case and see if you can make a personal injury claim by calling:

    Freephone: 0800 740 8782

    Or take the 30-second test below and find out how much you could be entitled to.

    How to boost your health


    How to Write a Claim Letter #work #accident #claim

    claim letter

    Claim Letter

    Claim letters are formal letters which are written in order to claim for something. The language used is very direct and contains no flowery words. If you are writing a claim letter be sure that you are very well convinced of the claim. If you have a speck of doubt, get it cleared. While writing a claim letter we suggest attaching some proofs. If you are replying to a claim letter, be very clear in your decision. If you are refusing the claim, use the word ‘refuse’ or ‘denied’ or ‘rejected’ etc. In the same way if the claim is accepted use the word which clarifies the status. In any case the language must be formal and polite. Do not be rude. Asking for claim in not wrong and denying it also has valid reasons.

    Claim letters are written for making a claim for something. Asking for something that is your right is nothing embarrassing.

    Make your claim letter effective by following these points.

    • In the beginning of your letter indicate the purpose of the letter. For example if you are writing a letter for insurance claim, mention this in the letter.
    • State the policy number in your letter.
    • Give all the concerning facts regarding the claim. If it is regarding some defective product, mention the date of purchase, receipt number, product number etc.
    • Indicate the amount you are claiming for and by which date are you expecting the amount.
    • Refer to the documents that you are including with your letter. This includes claim forms, repair estimates, warranty records or receipts.
    • Include your contact information with proper details to avoid any unwanted circumstances.
    • Remain courteous and respectful. Even if you know that the fault lies on their part, be professional in tone. Do not play the blame game. Be assertive throughout the letter.
    • Send the claim letter within the prescribed period so that there are no confusions.
    • Make the claim letter very specific. Do not let the addressee guess anything. Mention the amount you want and the purpose of the claim.

    If as a company/organization/institute, you receive a claim letter which is supposed to be denied, remember the following points.

    • Show your regret regarding the denial of the claim in the opening line s of your letter.
    • Include the details. In case there is more than one issue to be settled, there should be no confusion.
    • Give logical reasons, if possible with proofs attached, as to why the claim is denied.
    • Do not forget to include important dates if any.
    • Include the proper information about what is needed from the claimant to do if he needs the claim to get approved.
    • Show the regret of the denial once again while ending the letter. Indicate your willingness in order to discuss the matter with the claimant.
    • Do not forget to write that the customer is important for you and that you value his/her clientage.

    As claim letter is a purely formal letter the basic rules of writing a formal letter remains intact. Do not use stylish fonts. Avoid using color paper; the envelope should be a right match of the paper, there should not be any graphics as far as possible.

    If as an organization you are replying to a claim letter, make sure that it is written on a letter head of the organization.

    A person who writes a claim letter and a company who denies it, both have correct reason for their actions. There is no need to use harsh language or threaten. Keep the language uncomplicated.


    Whiplash assessment report fees cut to tackle fake claims – BBC News #accident #insurance #claim

    whiplash claims

    Whiplash assessment report fees cut to tackle fake claims

    Medical assessment fees for people who claim they have suffered whiplash are to be cut in England and Wales.

    The move is the latest government bid to crack down on fraudulent claims and the so-called “compensation culture”.

    Charges of up to £700 for an initial medical report will be reduced to £180, Justice Secretary Chris Grayling said.

    The government hopes a fixed rate will stop experts who produce the reports from having an incentive to encourage claimants to get unnecessary treatment.

    About 500,000 whiplash insurance claims are made each year, many of which are thought to be bogus.

    Insurers say they push up drivers’ premiums by as much as £90 a year.

    The new measures are the latest announced by the government to tackle bogus claims, with the new focus on compensation companies and a minority of medical staff who ministers claim are overcharging people.

    ‘Drive out fraud’

    “We’re saying that doctors should be paid a fixed price for that work,” Mr Grayling said.

    “And we’re saying that across the claims process we should have a structure that makes sure that people are paid for what they really do, that claims that go through are genuine and that we drive out some of the practices that are inflating insurance premiums unnecessarily.”

    He said the new rules – to be introduced in October – would reflect the amount of time it took to carry out the assessments and write them up.

    Image copyright Thinkstock Image caption Some 500,000 whiplash claims are made each year

    “Honest drivers have been bearing the cost of a system that has been open to abuse and it is time for a change,” he said.

    “We are determined to have an improved, robust system for medical evidence – so genuine claims can still be settled but fraud is driven out of the market.”

    Whiplash is caused by sudden movement of the head which damages the ligaments and tendons in the neck, with symptoms including neck pain and stiffness.

    Recent reforms in England and Wales have recently targeted “no win, no fee” deals, with lawyers now unable to double their fees if they are successful.

    A number of changes are progressing through Parliament in the Criminal Justice and Courts Bill, including plans to stop law firms offering incentives to potential clients.

    ‘Stubbornly high’

    Other new rules include allowing courts to throw out any compensation case where part of the claim has proved to be fundamentally dishonest.

    Mr Grayling said insurance companies would be urged not to accept claims without a doctor’s report – evidence of an injury.

    “Every time they accept a claim without a report, some of those that shouldn’t be made are slipping through and that’s just boosting insurance premium costs,” he warned.

    The AA said while premiums had dipped recently, the number of claims remained “stubbornly high” and that meant they could go back up.


    Lloyds Bank – Payment Protection Insurance Complaints – PPI Complaints #how #to #become #a #claims #adjuster

    ppi claims

    PPI complaints

    This website provides information to assist you if you are considering making a complaint about how your PPI policy was sold to you. If after reading the information you still believe that you have a complaint about the way in which your PPI policy was sold, rest assured that we re committed to making this as straightforward as possible for you.

    If you have already made a complaint to us, you don t need to do anything. We will be in touch as soon as we have an update on your case.

    If you have a concern about how your PPI Policy was sold, it’s easy for you to contact us directly. You don t need to use a Claims Management Company (CMC) who will typically charge an upfront fee or take a proportion of any compensation you may be due.

    We assess complaints sent directly to us in exactly the same way that we treat complaints from a CMC, so you won t be disadvantaged by coming direct to us.

    Here’s what you need to do:

    1. Call, write to us or complete our online form

    We d like to discuss the details of your case with you directly so your concerns can be resolved as quickly as possible. You can write to us at Lloyds Bank, PPI Customer Services, BX1 1LT or call us on 0800 151 0292 Call telephone number 0800 151 0292 (lines open 8am to 6pm, Monday to Friday and 9am to 2pm Saturday). our dedicated number for PPI complaints.

    To register your complaint by using our online form, please click here and complete the required information.

    If you have a Blackhorse agreement, please visit the Blackhorse PPI complaints website .

    2. Download and complete our PPI Questionnaire

    If you decide you want to go ahead with your complaint, download our PPI Questionnaire (PDF, 353 kB) Opens in a new browser window and fill in the details of your case. This will help us process your complaint as efficiently as possible.

    3. Send it to us

    Send the PPI Questionnaire to Lloyds Bank, PPI Customer Services, BX1 1LT. When we ve made a decision we ll write to you clearly explaining it. If we are offering you a refund, we are committed to making sure you receive payment within 28 days of our decision letter.

    In all cases, any interest due will be adjusted right up until the date of payment.

    PPI is insurance that pays out a sum of money to help cover your monthly repayments on your loan, credit card and/or mortgage in certain events, which could include unemployment, accident or sickness, hospitalisation or death. This type of cover may also be called loan protection, credit insurance, loan repayment insurance, ASU (accident, sickness and unemployment) insurance, account cover or payment cover.

    An easy way to check if you have taken out PPI, is to check your product statements for evidence of premiums paid. Also, you may have policy booklets and loan or credit agreements that show information on PPI. Some of our product names for this type of insurance include Mortgage sure, Payment Protection plus, card or loan protection.

    Firstly, please check any available documentation as outlined in question 1 to obtain details of your PPI policy. This will help in progressing your complaint.

    The easiest way to raise a query about a PPI policy is to complete our PPI Questionnaire (PDF, 353 kB) Opens in a new browser window. By filling out our PPI Questionnaire we will have all of the information we need to assess your complaint.

    Once you have completed the form please send it directly to us at:

    PPI Customer Services

    If you have a Blackhorse agreement, please visit the Blackhorse PPI complaints website .

    We encourage our customers to talk to us about PPI:

    • We are best placed to deal with any queries our customers have about their PPI policy.
    • Rather than talk to a Claims Management Company (CMC), you can find all the information you need about raising a complaint about how your PPI policy was sold on this page. Your complaint will be assessed in exactly the same way if you come to us directly, but you will avoid having to share any potential compensation payments with a Claims Management Company (CMC). Further information on CMCs can be found in a joint note from the CMC Regulators (Ministry of Justice), the FSA (now known as the Financial Conduct Authority (FCA)), the FOS and the FSCS (PDF, 75 kB) Opens in a new browser window .

    If you have any further query about the way your PPI was sold you can ring a dedicated telephone line for PPI customers 0800 151 0292 Call telephone number 0800 151 0292 (lines open 8am to 6pm, Monday to Friday and 9am to 2pm Saturday).

    We take all complaints very seriously and are committed to handling them on a fair and consistent basis. In line with our complaint-handling policy we will assess your PPI complaint and will provide compensation, including the backdating of interest and payments, where appropriate.

    Yes. You can still make a complaint about how your PPI Policy was sold even if you have since cancelled the policy. Details of how to complain are provided above. It s easy for you to complain to us directly so you don t need to use a Claims Management Company. Your complaint will be assessed in exactly the same way if you come to us directly but you will avoid having to share any compensation payment with a Claims Management Company.

    In October 2010 the British Bankers’ Association (BBA) asked the Courts to review the recently published rules made by the Financial Services Authority (FSA, (now known as the Financial Conduct Authority (FCA)), in relation to PPI sales-related complaints. The BBA also asked for a review of the guidance published by the Financial Ombudsman Service (FOS) on the handling of PPI complaints. In May 2011 we announced that we would no longer be participating in the BBA s Judicial Review. The BBA subsequently decided that it would not be appealing the Court s decision that the FSA’s rules should be implemented in full.

    Important legal information

    Lloyds Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278. Authorisation can be checked on the Financial Services Register at Visit the Financial Conduct Authority website. Eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). We are covered by the Financial Ombudsman Service (FOS). We subscribe to the Lending Code; copies of the Code can be obtained from Visit the Lending Standards Board website .

    Lloyds Bank plc Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales No. 2065.

    Calls may be monitored and recorded in case we need to check we have carried out your instructions correctly and to help us improve our quality of service.

    PhoneBank is a registered trademark of Lloyds Bank plc.


    Ppi claims #quit #claim #deed #florida

    ppi claims

    Have you been mis-sold PPI?

    If you took out a loan. credit card or mortgage in the last 15 years there is a chance you have a claim for mis-sold PPI. Think about all the loans, credit cards and mortgages you have had, as they could well have had PPI added to them without you even knowing.

    PPI Enquiry Form

    If you don’t know whether you had PPI in most cases we can find out for you. Usually we don’t even need your credit card number or your loan agreement number, just the name of your bank or credit card company.

    So don’t put off making your claim today, find out if you could be owed up to 7,000*.

    • 20 million PPI policies were sold on loans, credit cards and mortgages
    • The banks have put aside an estimated 23 billion
    • Many of our customers didn’t even know they had PPI on their loan, credit card or mortgage

    Why use PPI Claimback?

    • Over 171,000 successful claims
    • 90% success rate
  • PPI Claimback have won back over 315 million for our customers
  • Our Largest PPI claim is 89,446
  • No win, No fee. And absolutely no upfront charges
  • PPI Claimback is a trading style of Investor Compensation (UK) Limited. R egistered in England: Unit 1C Riparian Way, The Crossings Business Park, Cross Hills, Keighley, West Yorkshire, BD20 7AA Company Registration Number: 07769324. VAT No. 135536417. Registered with the Information Commissioners Office; registration number: Z3141844. Investor Compensation (UK) Limited is regulated by the Claims Management Regulator in respect of regulated claims management activities; its registration is recorded on the Claims Regulation website (Authorisation No. CRM28889). Calls may be recorded for training and quality purposes. Fee payable for any cancelled Claim(s) after the 14 day cooling off period or after an offer of redress has been made by the lender. All fees are outlined in our T C’s. Images of customers are for illustrative purposes only.


    Claims adjuster salary #claim #guys

    claims adjuster salary

    California DWC Announces New Search Tool for Independent Bill Review (IBR) Decisions
    By California Department of Industrial Relations – September 29, 2016

    The California Department of Industrial Relations Division of Workers’ Compensation (DWC) has added an easy-to-use search tool to help the public find Independent Bill Review (IBR) determinations quickly and efficiently. The DWC IBR search tool is available on the DWC website.

    Over 5,100 IBR cases have been decided since the IBR program was implemented on January 1, 2013. Information for each case is posted to the DWC website after the case is decided. Similar in structure to the Independent Medical Review (IMR) search tool. the public can search for the decisions on dates of application receipt and decision issuance, case decision and applicable fee schedule.

    Liberty Mutual Insurance made three senior appointments in its commercial insurance operating unit.

    Mike Fallon was named president, national insurance, Steve McAnena was named president, business insurance, and Tracy Ryan was named chief claims officer.

    Ronnie Case To Be Released From Jail. Judge Accepts Bond Premium Payment From Mike Smith After He Produces Bank Statements.
    By Lonce LaMon – September 29, 2016

    Ronnie Wayne Case, who was once a race car driver . went to work for Dr. Munir Uwaydah and worked close.

    Ronnie Wayne Case Still In Jail As His Defense Struggles To Prove Bond Money Is Not Feloniously Obtained In Criminal Organization Munir Uwaydah Case In Downtown L.A.
    By Lonce LaMon – September 23, 2016

    During court proceedings on Friday, September 16 th 2016, and continuing again late in the a.

    Peter Nelson, Dr. Uwaydah’s Physician Assistant, Remains Incarcerated. His Wife, Marisa, Comes To Court For First Time Since Being Released.
    By Lonce LaMon – September 19, 2016

    Marisa Schermbeck Nelson came to court out-of-custody for the first time since being released from jai.

    Today’s Treatment Issues In Workers’ Compensation
    By Anthony Santos – August 23, 2016


    Foreign No Claims Bonus Insurance #check #unemployment #claim #status

    no claims bonus

    Foreign NCB Insurance

    Insurance for Drivers with Foreign No Claims Bonus Entitlement

    If you have recently moved to the UK, or returned from working abroad, you’ll probably discover quite quickly that arranging car insurance at a reasonable price can be something of an ordeal. The problem is that many insurers do not recognise foreign no claims bonus, earned overseas, and if you had previous UK no claims entitlement, this usually expires after just two years. What’s more, some insurance companies struggle with foreign or international driving licenses, and if they can offer a rate, it will probably be a lot higher than that offered to a UK license holder.

    Adrian Flux have over 40 years experience of arranging specialist insurance policies to suit any situation, and we are not restricted by computer rates or systems. We can offer discounts for foreign no claims bonus entitlement, accept valid overseas and international licenses and, if you have imported a left hand drive car, that is no problem either. All this, coupled with great service, and surprisingly low rates means that we can help with your foreign no claims insurance dilemma.

    • Limited mileage policies.
    • Agreed value available on classic, cherished and modified cars.
    • Foreign No Claims Discounts offered for all countries, including:
      • American No Claims
      • French No Claim Bonus (Malus / Bonus)
      • German No Claims Discount (Schadenfreiheitsrabatt)
      • Spanish NCB (prima de no reclamaci n)
      • Japanese NCD
    • Insurance for cars re-registered in the UK
    • Left Hand Drive vehicles covered.
    • Members of owners clubs and forums benefit from discounts of up to 15%.

    Insurance for Foreign Drivers

    If you have accumulated foreign no claims bonus, or if your UK Bonus has lapsed, make sure you give us a call. In this situation, going to a specialist can save lots of cash, and equally important, lots of stress, time and aggravation. So whether you have been working in Dubai, returned from retirement to Spain, or are working in or immigrating to the UK, we can offer you an appropriate policy taking into account your overseas no claims insurance discount without any drama.

    Our staff are all seasoned insurance experts and will calculate your premium individually, using their expert knowledge of the many insurance schemes on offer. When you call us you will be speaking to a knowledgeable enthusiast, based in the UK, rather than a computer rate from a call centre, which doesn’t know a Morris Marina from a Vauxhall Viva

    Quicker Cheaper rates by phone, please complete the call me form during office hours 9am to 7pm Monday to Friday 9am to 4pm Saturday for an immediate insurance quote.

    We’ll call you at a time convenient to you


    No Claims Bonus – how it works to give you discount #how #to #write #a #claim #letter

    no claims bonus

    No Claims Bonus – how it works to give you discount

    Get advice on buying your car insurance policy and how your No Claims Bonus works

    Every year you drive without making a claim or having a claim upheld against you, we give you a discount off your renewal premium.

    If there are still no claims on your policy, you keep getting a discount. You can build up this bonus for a maximum of 15 years.

    Don’t forget, with our Bonus Accelerator. you could get a whole year’s No Claims Bonus in just 10 months.

    Can I bring my Bonus with me from another insurer?

    Yes, you’ll just need to send us the renewal notice your previous insurer sent you and your proof of No Claims Bonus which they will also provide.

    What happens if I make a claim?

    It depends what the claim is for; payments for windscreen damage or emergency treatment fees won’t affect it. Likewise, if the accident was the other person’s fault and we recover all the money from their insurers, you won’t lose your No Claims Bonus.

    Even if you do have to claim for an accident that was your fault, you could still keep some of your NCB. If you make one claim during your insurance period, you’ll lose two years of the Bonus.

    So, if you had five or more years No Claims Bonus, it would change to three years at renewal.

    You’d still get a discount off your premium, and it wouldn’t take so long to build it back up.

    If you make two claims during the period you’re insured for, you’d lose four years No Claims Bonus, and if you made three or more claims during the period you’re insured for, you’d lose them all.

    Safeguarding your No Claims Bonus

    Apart from driving safely, the other way to look after your No Claims Bonus is to pay an extra fee to guarantee or protect it.

    Guaranteeing your Bonus means making a claim won’t reduce it but you won’t add any extra discount for that insurance period.

    While protecting it allows you to make two claims in a three year period before the bonus gets reduced and, as with guaranteeing it, you won’t add any discount for that period.

    The difference between the Guaranteed and Protected schemes is with Protected, if you keep on making claims in consecutive insurance periods, you can lose the protection and ultimately, some of your No Claims Bonus too.

    Where your Bonus remains unaffected, in most instances a claim will lead to some increase in premium at renewal. However, our motor premium calculation will include the discount to which you are entitled. You can read the details in our policy booklet .

    Can a named driver on my policy earn their own No Claims Bonus?

    Yes, they can build up their own No Claims Bonus to use on another Admiral policy, ready for when they take out their own insurance. It’s ideal if you’ve put your son or daughter on your policy, as it should help make their insurance easier to afford when they have their own car.

    What about MultiCar?

    Each driver on the MultiCar policy builds up their own No Claims Bonus (it works the same way as named drivers, above). If one driver on the policy makes a claim and loses some or all of their No Claims Bonus, it doesn’t affect the other drivers – their No Claims Bonus stays the same.

    How do I submit proof of my No Claims Bonus?

    If you are a new customer and you need to submit proof of your No Claims Bonus from your previous insurers you can do so through our online form

    Share with your friends


    Claims Adjuster I Salaries by education, experience, location and more #petsecure #claim #form

    claims adjuster salary

    Claims Adjuster I Salaries

    Alternate Job Titles: Claims Adjuster I, Entry Level Claims Adjuster

    • What is the average annual salary for Claims Adjuster I?

        How much does a Claims Adjuster I make? The median annual Claims Adjuster I salary is $42,449. as of August 29, 2016, with a range usually between $38,276 – $47,197. however this can vary widely depending on a variety of factors. Our team of Certified Compensation Professionals has analyzed survey data collected from thousands of HR departments at companies of all sizes and industries to present this range of annual salaries for people with the job title Claims Adjuster I in the United States.

        This chart describes the expected percentage of people who perform the job of Claims Adjuster I in the United States that make less than that annual salary. For example the median expected annual pay for a typical Claims Adjuster I in the United States is $42,449, so 50% of the people who perform the job of Claims Adjuster I in the United States are expected to make less than $42,449.

        Source: HR Reported data as of October 2016

        • About this chart

            This chart describes the expected percentage of people who perform the job of Claims Adjuster I that make less than that salary. For example 50% of the people who perform the job of Claims Adjuster I are expected to make less than the median.
            Source: HR Reported data as of October 2016

            Denies, settles, or authorizes payments to routine property/casualty claims based on coverage, appraisal, and verifiable damage. Responsibilities also include corresponding with policyholders, claimants, witnesses, attorneys, etc. to gather important information to support contested claims in court. Prepares report of findings of an investigation. May require an associate s degree in a related area and 0-2 years of experience in the field or in a related area. Has knowledge of commonly-used concepts, practices, and procedures within a particular field. Relies on instructions and pre-established guidelines to perform the functions of the job. Works under immediate supervision. Primary job functions do not typically require exercising independent judgment. Typically reports to a supervisor or manager. View full job description


        Iowa Unemployment Weekly Claims #disability #claims

        iowa unemployment weekly claim

        Iowa Unemployment Weekly Claims

        Iowa Benefits

        Most Iowans may collect unemployment insurance benefits for up to 26 weeks, and in some cases 39 weeks. To receive payments after you have filed your initial claim, you must confirm your eligibility every week using the continued claims reporting system.

        Interactive Voice Response (IVR) (800) 850-5627

        10 a.m. Saturday to 11:30 p.m. Sunday or,

        7:30 a.m. to 4:59 p.m. Monday through Friday

        Phone lines are very busy on Saturday afternoon. Please use the on-line application or call on Sunday or Monday to avoid a busy signal.

        Note: Your payment will not be delayed if you file your continued claim on Sunday or Monday.

        When you file your continued claim, you will be asked a series of questions to certify that you:

        • Are unemployed or working only reduced hours;
        • Are able and available for work;
        • Have not refused any job offers or referrals;
        • Are actively looking for work (unless waived); and
        • Are reporting any pay or pension you may be receiving.

        Questions & Answers

        Victor Ofiesh says:

        I need to fill unemployment in the State of Iowa. That was my last Employer s address. I reside in the State of NV. NV Unemployment office said I had to file thru State of Iowa. So what is the web site I need to do so in the State of Iowa.


        No Claims Discount #claiming #unemployment #benefit

        no claims bonus

        No Claims Discount

        Car insurance premiums aren’t cheap. Costs can run into thousands of pounds. Thankfully, there are ways to drive down the price of your car insurance policy – and one of the most effective is to build up a no-claims discount or bonus.

        Discounts if you don’t claim

        If you don’t claim on your car insurance. the insurer doesn’t have to pay out. You are therefore a less risky customer, so cover is cheaper. Most insurers offer discounts to drivers who don’t claim. The size of the car insurance no claims bonus varies but you could knock up to 75% off your premium if you can manage five consecutive claim-free years.

        Minor damage

        It is therefore worth considering paying for any minor damage out of your own pocket in order to safeguard your no-claims discount. For example, you scratch the paintwork of your car when reverse parking and the garage quotes £300 to fix the damage. Your excess is £250, so if you were to claim on your policy, the insurer would pay out only £50. You would also lose your car insurance no claims bonus of 25%, which is worth about £75. In other words, it would cost more to claim than to pay the garage bill.

        Windscreen repairs

        Some claims do not affect your car insurance no claims discount. Repairs to your windscreen, for example, usually have no impact on your no-claims bonus. And if you claim for damage to your vehicle following an accident that was not your fault, your insurer should be able to recover any costs from the other driver’s motor insurance company, so again your record of no claims should remain intact. However, if you are involved in an accident with an uninsured driver, it could affect your history of no claims.

        Building up no claims discount

        Named drivers might not be able to build up their own discount, but they can affect the NCD of the main driver

        You can build up a car insurance no claims discount (NCD) on most types of motor insurance policy, including third party, third party fire and theft and comprehensive. You should, however, check the details if you buy temporary cover as it does not always apply.

        The no-claims discount usually only accrues to the main driver. If you are named on someone else’s policy as an additional driver, you cannot normally build up your own bonus. Some insurers will recognise the claims history of named drivers, but only if they stick with the same firm when they eventually buy their own policy.

        Named drivers might not be able to build up their own discount, but they can affect the NCD of the main driver. Let’s say your son is a named driver on your car insurance. If he has an accident that is his fault and which leads to a claim, it could jeopardise your own bonus. It’s something to bear in mind if you add any other drivers to you policy, particularly younger, less experienced motorists.

        It pays to shop around

        Don’t forget that a no-claims discount does not shield you from premium rises. The price of cover can still increase each year, even if you don’t make a claim. It is therefore important to shop around at renewal instead of automatically sticking with the same insurer. MoneySuperMarket’s comparison service makes it easy to compare cheap insurance quotes available through over 139 different car insurance providers.

        You can take your car insurance no claims discount with you when you switch insurers. The discount might not be the same, but the new firm should honour your claims history. You can also transfer your NCD to another vehicle, perhaps if you buy a new car.

        Accelerated bonus

        It usually takes five years to build up the maximum car insurance no claims discount – which is a long time to wait for cheaper premiums. Some insurers therefore run accelerated bonus schemes that allow you to earn your first year’s discount in 10 months rather than 12. The schemes can be particularly useful to younger drivers who tend to pay higher premiums than older motorists.

        Protecting your no claims

        Motorists can pay extra to protect their no-claims discount, allowing them to make a number of claims within a year without jeopardising their NCD – and it can be worth the money. Drivers who make a claim with five years of ‘unprotected’ no-claims discount can expect their premiums to rise by as much as 30%, according to research by MoneySuperMarket. However, the cost of cover would increase by only 8% if the NCD were protected.

        It costs on average £23 to protect a five-year no-claims discount, but the price can vary widely between insurers, ranging from around £4 to over £34. Motorists should also bear in mind that the longer they protect the discount and do not make a claim, the less cost-effective the protection.

        Did you find this helpful? Why not share this article?

        • Share this article on Facebook
        • Share this article on Twitter
        • Share this article on Google +
        • Share this article on LinkedIn
        • Send this article via Email
        In this Article

        Contact at Moneysupermarket House, St David’s Park, Ewloe, Flintshire, CH5 3UZ. © Ltd 2013 Limited is an appointed representative of Financial Group Limited, which is authorised and regulated by the Financial Conduct Authority (FCA FRN 303190). Financial Group Limited, registered in England No. 3157344. Registered Office: Moneysupermarket House, St. David’s Park, Ewloe, CH5 3UZ. Telephone 01244 665700

        Here’s some important information about the services MoneySupermarket provides. Please read and retain for your own records. About our service

        We use cookies to give you the best experience. By using our website you agree to our use of cookies in accordance with our Cookie Policy


        Unemployment Help – Iowa – Iowa Weekly Unemployment Application #1500 #claim #form #template

        iowa unemployment weekly claim

        Iowa Weekly Unemployment Application

        Filing a weekly unemployment claim with the state of Iowa can give you the financial stability you need to pay your bills and continue looking for a new job. If you have no dependents, you can receive up to $385 per week, whereas a claimant with four dependents can get up to $473 in the unemployment weekly benefit amount (WBA).

        To file the first weekly claim for unemployment, you must meet the following conditions. You must be completely or partially unemployed due to a drastic reduction in work hours, you must have lost your job for a reason other than your own fault, you must have earned at least $1330 during your high quarter and at least $660 during your low quarter for the prior 15 months, you must be able to work and actively seeking employment, and you must be registered at a local IowaWORKS center, if applicable. If you do not meet these criteria, your Iowa weekly unemployment claim will be denied.

        To claim weekly unemployment, you must first file an application online at or through an IowaWORKS Center. Iowa Workforce Development offers 27 offices across the state. The money from your first claim is normally added to a prepaid debit card or sent to your bank via direct deposit within three weeks.

        After the first claim has been approved, you can submit weekly claims for renewal. During each week, you will be asked if you are still unemployed or working reduced hours, if you are still able to work and are actively seeking employment, if you have refused any job offers, and if you are reporting all the pay and pension benefits that you are receiving. The Iowa department of unemployment may deny a weekly claim for unemployment if certain obligations are not met.

        Subsequent unemployment claims can be filed at which is available in English or Spanish. You can also submit an Iowa unemployment weekly claim through the automated telephone system. Job seekers around Des Moines can call (515) 281-6231, while individuals in other parts of the state can call toll-free (800) 850-5627. Filing through the telephone system takes about three minutes. The system is available from 10:00 am Saturday to 11:30 pm Sunday and from 7:30 am to 4:59 pm Monday through Friday. Iowa Workforce Development encourages claimants to file on Saturday, Sunday, or Monday so they can be paid by Thursday.

        State Filing Information

        2011 All rights reserved.


        How to File for Iowa Unemployment #accident #claim #advice

        iowa unemployment weekly claim

        Iowa Unemployment

        Do I qualify for unemployment benefits?

        • You are totally or partially unemployed.
        • You have worked and earned a minimum amount of wages in work covered by unemployment tax during the past 18 months.
        • You have lost your job through no fault of your own.
        • You are able and available for work.
        • You are registered for work at your local Workforce Development Center, unless work search is waived. You can register for work on-line by using the Employment Registration Services application.
        • You are actively seeking work unless work search is waived.

        Have Your Benefits Run Out? Click this link to find out how to get an unemployment extension: Unemployment Extension

        How do I file for unemployment benefits?

        What will you need to file your application? You need the following:

        • Your Social Security number;
        • The name, payroll address and telephone number of your most recent employer;
        • The first and last date you worked for that employer;
        • An Alien Registration number if you are NOT a U.S. citizen or permanent refugee;
        • If you served on active duty in the U.S. military during the past 18 months, a DD214 (member copy 4);
        • If you worked for the federal government in the past 18 months, a Standard Form 8, if one was provided to you;
        • The names of any dependents that you claim as exemptions on your federal income tax return;

        You may claim your spouse as a dependent if her/his gross wages were $120 or less in the week prior to filing your claim. Self-employment does not count as gross wages for dependent purposes.

        File an Unemployment Benefit Claim Online

        The fastest, most efficient way to apply for benefits (file your initial claim) is online. The Internet filing option is available 24 hours a day, seven days a week — it’s always open!

        Lose Your Insurance?

        To be able to file a claim online you must meet all of the following criteria:

        • You must have worked in Iowa during the past 18 months (earned Iowa wages;
        • You must not have an existing unemployment claim in any other state with money (benefits) still available;
        • You must not have an existing Railroad Unemployment claim with any remaining money available;
        • If you served in the U.S. military during the past 18 months, you MUST have an Iowa residence;
        • If you have earned wages in more than one state in the past 18 months and you want those wages added to your claim, you must live in Iowa.

        If you do not meet the criteria to file on-line, you should contact a local Workforce Development Center for additional assistance in filing your unemployment claim.

        The first step in filing your new, initial claim on-line is to create an account. Before you begin, we suggest you review the frequently asked questions (FAQS) about filing on-line.

        If you already have an account with, just log in. Otherwise, begin by setting up your account and then log in to begin entering your unemployment claim.

        You may file your initial claim for benefits at your Workforce Development Center. Many Workforce Development Centers hold regularly scheduled group claim sessions and will help you complete the forms. Or, you can use a computer in the Workforce Development Resource Center to file your application on-line.

        3. File an Unemployment Benefit Claim Through Your Employer

        Iowa Workforce Development has a program that allows employers to file an initial claim for a recently separated employee. Check with your employer to determine if they are participating in this new program.

        Unemployment Office Contact Information

        Iowa Workforce Development
        1000 East Grand Avenue
        Des Moines, Iowa 50319-0209

        Telephone: (515) 281-5387 or (800) JOB-IOWA

        For Deaf and Hard Of Hearing, Use Relay 711

        Maybe We Can Help:

        If you can’t find the answer to your question, you can fill out the comment form below and I will answer your question ASAP, or you can ask the The Unemployment Expert or you can post your question in the Unemployment Forum

        Add comment

        If you have a question about your unemployment situation, or about unemployment in general, please post it here and we will try to answer it as quickly as possible, and post our reply here so that others can benefit from your question.
        Also, we welcome your comments — please tell us about your unemployment situation. Tell your story. How did you get laid-off? Have you found a new job yet? Do you have any unemployment tips to share?
        – -*-
        PLEASE NOTE that your comment will not post automatically, but will appear after the admin has approved it.
        – -*-
        —————————————— is a private website whose mission is to help people who are unemployed find the resources they need and get answers to their questions. is not affiliated with any government agencies.


        Income Support: What is it #claims #adjuster #jobs

        income support claim

        Ontario Disability Support Program Income Support is one of Ontario’s social assistance programs. Income Support provides financial help for people with disabilities who are in need. It can help pay for living expenses, like food and housing.

        If you qualify for Income Support, the amount of Income Support you receive will depend on your:

        Benefits that may be available

        If you qualify for Income Support, you and your family may also qualify for other benefits, such as:

        • drug coverage
        • dental coverage*
        • vision care
        • hearing aids
        • diabetic supplies
        • help with transportation costs to medical appointments
        • wheelchair/mobility device repairs and batteries
        • help to support your guide dog
        • help with work-related expenses.

        *A child or spouse who is 17 years of age or younger will receive dental coverage through Healthy Smiles Ontario.

        Working while receiving Income Support

        We know that many people who receive Income Support can and want to work. Ontario Disability Support Program Employment Supports can help you get ready for a new job or a training program, and can help you keep your job if you are at risk of losing it.

        Depending on your situation, you can work and receive Income Support at the same time. Let us know if you are working, and we may be able to help you with work-related costs, such as child care.


        Quit Claim Deed Form – Create & Download for Free! #claim #injury

        quit claim deed

        Create Quit Claim Deed

        Creating my quit claim deed was easy using your tool. The whole process was very straightforward and the final document was extremely professional.
        -Joe H.

        What Is a Quit Claim Deed?

        Transferring property can be a tricky business, and various documents involved can be a source of confusion and frustration. Perhaps you’ve heard about a document called a quit claim deed but didn’t really understand what it is or what its purpose might be. If you’re involved in the transferal of property such as a home or a piece of land, however, it’s highly worthwhile to learn about this type of document and how it might affect you. This is true whether you’re the grantor (the person transferring the property) or the grantee (the recipient of the property). We’ll begin with a straightforward explanation of exactly what this document is and what its various purposes are.

        To provide a succinct definition, a quit claim deed is a document certifying that the grantor “quits” or relinquishes any right or “claim” to some specified property. Moreover, it certifies that the property will be transferred to the grantee something that most deeds do. Yet, it must be understood that this document might not be suitable for all people in all situations, as it does not guarantee that the grantor has any ownership interest in the property . The only thing it attests is that if the grantor does have any ownership interest in the property, he or she agrees to relinquish it and transfer it to the grantee nothing more, nothing less.

        As you may have surmised, there is a measure of risk involved in a quit claim deed form, as the grantee has no real guarantee that the grantor owned the property free and clear of any liens, debts, disputes, or other ownership issues. The point is that if you are going to be the grantee, you’d better be sure that the grantor did, in fact, own the property outright. An example of this would be if parents were to give a piece of property to their son or daughter. Still, while the quit claim deed form has its drawbacks, at least it prevents the possibility that the grantor will claim ownership of the property later on. Quit claim deeds are most often used in these types of situations.

        If you’re interested in preparing a quit claim deed or merely wish to see what it should look like, you can search for a quit claim deed form online. You might even find a free quit claim deed through an Internet keyword search. However, if you choose to use a free quit claim deed, make sure that it’s of the highest quality; you may need to consult with a legal expert to confirm this. After downloading the best free quit claim deed you can find, read its terms carefully and have it signed in the presence of a notary by the grantor and the grantee. Depending on the locality, you might also need to have one or two witnesses sign the form. Afterward, check with the local county clerk’s office to find out if you need to file the document with them.

        Don’t let any of this information overwhelm you, as quit claim deeds are relatively simple and straightforward compared to many other types of legal document. Indeed, it might be the easiest way for family members to transfer a home and/or land as a gift, or for individuals to transfer property when trust is not a concern. If there is no exchange of money involved in the property transfer or if there are no questions about free and clear ownership, then this type of deed could be exactly what you’re looking for. The important thing is to be aware of the risks involved, read the document from beginning to end, and only sign your name on the line if you understand everything you need to know about the quit claim deed.

        Components of a Quit Claim Deed

        In order to transfer ownership of real property between parties, a legal document known as a deed is required. However, there isn t one standard form of deed in use in the U.S. Multiple versions of the document have grown up over time in order to best fit particular circumstances. There are two main types of deed: warranty and quitclaim (which is sometimes referred to as a quick claim deed or a deed of release). The former type implies certain guarantees by the grantor to the grantee that his or her title is good; the latter is simply a transference of the grantor s interest in the property to the grantee.

        Warranty deeds are the most the commonly used form of deed, as they provide legal protection that the quitclaim deed does not. In situations where a piece of property is being bought and sold by parties who are unrelated, warranty is necessary to prove that the title is clear. This means that the seller holds the entire bundle of rights required to own the property in question. The new title-holder is then assured that his or her purchase is legal, and that they will be compensated for their losses should a third party make a lawful claim of superior title. In the case that a seller only warrants partial title of the property, a special or limited warranty deed may be used.

        The quit claim deed, uniquely, warrants nothing. It simply states a transference of the grantor s interest in the property at the time. The grantor does not have to guarantee good title, or any title at all. This makes the quit claim deed a somewhat precarious document. It does, however, have the advantage of efficiency. Quit claim deed forms come into use when multiple parties hold interest in a property. For example, during a divorce one spouse may want to quit their claim on a jointly owned marital property. By using a quitclaim deed form, the spouse can quickly and inexpensively transfer their interest in the property without the hassle of costly litigation. In this case, the grantee doesn t need a warranty that the title is clear, because the grantor is essentially using the quitclaim deed form in order to clear it.

        While there are nuances that vary from state to state, the quit claim deed template consists of the same general components. The deed must identify the names of the parties to the claim (the grantor and the grantee). It must include statements that the grantor is giving up rights to the grantee, such as a statement of consideration, a granting clause that includes definite operative words, and words of inheritance. A description of the land or property being conveyed must be included, along with its physical address and number of registration. There will also be a habendum, or a have and to hold clause, meaning that the grant of land is final, and the transaction is complete. The quit claim deed template, of course, omits any statement of the grantor s warranties. When the deed has been signed and dated, witnessed, notarized, and (in some states) sealed, it becomes a legal document.


        Sample Letter Asking for a Personal Property Claim Settlement #car #accident #injury #claims

        claim letter

        NOTE: This letter is a sample that must be customized to fit the facts of your individual situation and claim. All bracketed and underlined portions must be completed or revised before sending. Use this letter to challenge excessive depreciation holdbacks on your personal property claim and/or seek a negotiated claim settlement.

        (Name of adjuster or highest ranking ins. co. employee)
        (Name of insurance co.)

        Re: Claim Number: ____________
        Date of Loss: ____________
        Name of Insured:_______________________
        Address of Insured Property:_________________________________

        The purpose of this letter is to request full reimbursement for my family’s personal property that was destroyed (date of loss). The total value of the items that were deemed a total loss is $ ———–. As you know, we have answered every request for information from (insurance company). We have made the property available for inspection multiple times and cooperated fully in providing documentation of our losses.

        We understand that (name of insurance company)’s policy is to hold back full payment until after we replace each item and submit receipts. We have every intention of replacing all the items in our home to restore it as it was prior to (date of loss). Our personal belongings were in (very good to excellent) condition at the time of the loss, and we have pictures to prove that (insurance company) has applied excessive depreciation in calculating the actual cash value of our property.

        We are anxious to put this painful experience behind us, get back into our home and restore our household. Having to continually submit receipts to your company and wait for full reimbursement for every purchase we make over the next year seems unfairly time-consuming and emotionally painful.

        We are asking (insurance company) to make a fair settlement offer on our personal property claim in the amount of the reasonable replacement value of our complete inventory list, less what we’ve already received. Please give this request full consideration and respond no later than (proposed date).

        I look forward to (insurance company)’s timely response. Thank you for your anticipated cooperation in this matter.

        YOUR NAME


        Problems with We Fight Any Claim #car #accident #insurance #claims

        we fight any claim

        Welcome to the MSE Forums

        Forum Social Team

        Problems with We Fight Any Claim 27th Nov 11 at 9:22 PM

        Hi Guys.
        Just wondered if anyone else has had problems with WFAC dragging their heels?
        I started a claim against Vanquis Credit Card to get my PPI back. I was told by WFAC that I’m entitled to just over �1000 back from a PPI I didn’t know I had. I paid them over �300 to start the claim and a year later still haven’t had any joy. Everytime I ring them ( after being on hold for almost 30 minutes at a time! ) I get the usual ‘I’ll get the relevant dept to chase your claim and get back to you’. I’ve had that brush off every month since May and now I’m getting narked

        I’ve been told if I retract my claim I will lose most of the money I’ve already paid them. They say Vanquis are holding things up but I don’t think WFAC are doing anything to help me.

        What’s my next step?

        Glad you like it!

        I was told by WFAC that I’m entitled to just over �1000 back from a PPI I didn’t know I had.

        Its a frequent lie by the dodgy claims companies. They make up some figure to hook you into paying them an upfront fee. Some may consider it similar to advance fee fraud which works in a similar way.

        I am an Independent Financial Adviser (IFA). Comments are for discussion purposes only. They are not financial advice. Different people have different needs and what is right for one person may not be for another. If you feel an area discussed may be relevant to you, then please seek advice from a Financial Adviser local to you.

        Glad you like it!


        There are currently no thanks for this post.


        • 9,073 Posts
        • 5,547 Thanks

        I would suggest you make a formal complaint to them accusing them of fraudulently claiming you were owed this money in order to make you part with your fee. Give them 14 days to make a full refund or go to the Ministry of Justice.

        It is a statement of fact, not an advertisement, that I investigate complaints against small firms of financial advisers for a living.

        That is why I know my way around both the FCA Handbook (for financial businesses) and the Conduct of Authorised Persons Rules (for CMCs).

        Glad you like it!


        There are currently no thanks for this post.

        this company used to be Beneficial Claims.
        we stupidly paid them money to investigate whether our credit card contracts were enforcible. husband paid 340 and were told they were not legally enforcible. I was told that my fee would be waved if I signed up that day. 12 months later after being advised NOT to pay credit card bills they told us they could not help us. My waved fee was indeed charged and no ammount of phone calls etc could get it back. we lodged a complaint with the FO and ministry of justice to no avail.
        They have now called me 3 times today re PPI .have told them to get lost.

        Glad you like it!



        I wish to make a formal complaint against your company and each of its directors that on or around [date] your company contacted me and falsely told me that I was entitled to compensation of �[amout].

        You asked me for �[amount] in order to start a claim which I paid but you have thus far failed to produce any compensation whatsoever.

        [(If applicable -) You are also in breach of the rules of your regulator, the Ministry of Justice, by taking a fee before I had an opportunity to read you terms of business]

        I demand immediate reimbursement of my fee plus interest at 8% per annum simple from [the date you paid it] to the now.

        I am copying this e-mail to your regulator.

        [Name, address] Wefightanyclaim reference [reference number]

        It is a statement of fact, not an advertisement, that I investigate complaints against small firms of financial advisers for a living.

        That is why I know my way around both the FCA Handbook (for financial businesses) and the Conduct of Authorised Persons Rules (for CMCs).

        Glad you like it!

        We fight any claim company

        Beware– I got taken in by WFAC August 2010,(before PPI claims were known much about). i had a doorstep call and tel call within 24hrs, they said i had about �14,000 PPI to come back, they hard sold it to me and I paid them �1900+ as they requested. As soon as i had done it i asked to cancel(in same phone call) they would not even though their leaflet said you had 14 days.
        I immediately contacted my credit card bank who told me to cancel in writting recorded delivery, which i did I also emailed to WFAC complaints sect ,notified BBC watchdog and local trading standards. WFAC would not refund my money they just tried hard sell again. I got back to credit card bank who did a sect 75 claim,after 2 months i got my money back. This all happened just after i had just been made redundant so i was an easy target for them at the time.
        I later discovered i had not even paid PPI on any loans.

        Last edited by DRAGON LADY; 13-02-2012 at 7:46 AM.

        Glad you like it!

        How can I stop these people frm pestering my disabled ex husband. He foolishly agreed to accept a claim pack from them and now they keep ringing him and bothering him despite being told we are not interested. We hve never been sold PPI so there is no basis for a claim. Short of changing the land line number what can be done?

        man is born free but everywhere he is in chains
        J-J Rousseau

        Glad you like it!


        There are currently no thanks for this post.


        • 9,073 Posts
        • 5,547 Thanks

        How can I stop these people frm pestering my disabled ex husband. He foolishly agreed to accept a claim pack from them and now they keep ringing him and bothering him despite being told we are not interested. We hve never been sold PPI so there is no basis for a claim. Short of changing the land line number what can be done?

        It is a statement of fact, not an advertisement, that I investigate complaints against small firms of financial advisers for a living.

        That is why I know my way around both the FCA Handbook (for financial businesses) and the Conduct of Authorised Persons Rules (for CMCs).

        Glad you like it!

        Users saying Thanks (1)

        Sign up for MoneySaving Emails

        Welcome to our new Forum!

        Our aim’s to save you money quickly and easily. We hope you like it!

        I’ve been told it’s Islamic New year too (both lunar calendar) so ‘happy New year’ to all Muslim tweeps too (if phrasing isnt innapropriate)

        Ps I’m taking the next week off work, to have time with my family and then take a break so I won’t be on here much.

        Wishing shana tova (happy New Year ) to all Jewish tweeps. May your apples be ever honeyed!

        All Halifax Help to Buy ISA customers to be hit with rate reductions later this year

      • Refunds for packed trains and broken toilets now a possibility following legal extension � what you need to know

      • MBNA unveils new credit card brand featuring �20 Amazon gift cards

      • Ofgem continues to investigate sales practices with inquiry into supplier ‘E’

      • Thousands of Wonga customers billed twice for repayments � what to do if you’ve been affected

        More News

        • Dear Jo Johnson: Minister, it�s time to tell parents the truth about what you expect them to pay towards university costs

        • Is the BBC costing Brits a fortune when they go on holiday?

        • How much the Govt expects you to give your children for university

        • Santander 123 to slash interest to 1.5% – should you ditch it?

        • If Santander 123 drops interest to 2% is it still worth it?


        Income Support Benefits Online #claiming

        income support claim

        We serve millions of people per month by providing them the contact information to the proper government agencies to file their Income Support benefits. Our users fill out our form and receive exclusive benefits that will help them during their period of financial instability and unemployment.

        Income Support Benefits Application Instructions
        Complete the form to start the quick three step process.

        Step 1: Fill out the form to the right.

        Step 2: Find out which government benefits you pre-qualify for today.

        Step 3: Receive specific benefits and income support assistance.

        Income Support Programme Application

        Income Support is extra money to help people on a low income. It’s for people who don’t have to sign on as unemployed. Whether you qualify or not and how much you get depends on your circumstances. Find out more, by registering with us using the form to the right.

        Income Support Programme Information

        It’s for people who all the following apply to:

        • are between age 16 and the age they can get Pension Credit
        • have a low income
        • work less than 16 hours a week, depending on the amount of your wage
        • aren’t in full-time study (but there are some exceptions)
        • don’t get Jobseeker’s Allowance or Employment and Support Allowance
        • don’t have savings above £16,000
        • live in Great Britain

        You may get Income Support if you are one of the following:

        • a lone parent
        • on parental or paternity leave
        • a caregiver
        • a refugee learning English who arrived less than a year ago

        Young people in relevant education may also get Income Support. Generally this means full-time education up to GCE A-level or Scottish Certificate of Education (Higher level). This might apply if you:

        • are a parent
        • don’t live with a parent or someone acting as a parent
        • are at serious risk of abuse or violence
        • are a refugee learning English

        You can get Income Support as well as some other benefits.


        Claim Letter, Sample Claim Letter Format #define #the #demand

        claim letter

        Claim Letter

        What is a claim letter?

        Do you know when claims can be made? It can be made when you want to claim for damage to the property or to the people.

        Is the situation severe? If yes, then you can ask for full reimbursement and if no, then you can ask for partial reimbursement. Wishes of the applicant also play an important role in such a situation. As soon as the damage occurs, you should send the claim letter to the responsible company.

        Claims can only be made when there is a legal agreement drafted between the two parties. In the claim letter, you should add supporting documents that can give a backup to your argument.

        The claim letter is also written when a buyer has any kind of complaints regarding seller products and in such a letter, compensation is demanded. Sometimes in such a scenario, negligence of transportation authority can also affect the buyer’s product and this can compel him or her to write a claim letter.

        When any customer writes a letter showing displeasure about any product and claiming compensation for the same, then such a letter can be named as a claim letter. Sometimes, such issues can be solved with a phone call or with a personal meet. It is always advisable to write a claim letter because such a document can work as a proof. An increase in the business volume of operations leads to an increase in the frequency of claim letters. In such a scenario, it becomes important for an organization to revert back in order to maintain its reputation.

        Important Elements of a Claim Letter

        Here are the few important elements of a claim letter:

        • What has gone wrong? It is important to give the right answer that can clearly explain the things that went wrong. Now be it a defective product or a faulty service, it is important to give full and quick information in your claim letter.
        • If it is a faulty product, then you should add details like date of purchase, date of arrival, an amount paid, the colour of the product, a size of the product, order number, model number, etc. Providing such details can make it easy for a supplier to re-check the product.
        • Is it a defect or is it the mistake? Whatever may be the problem, but it is important for you to mention the inconvenience caused by adding a statement related to it. You should also mention the details related to the loss suffered due to the defective product or bad quality of services.
        • It is important on your part, to be honest, and to motivate the reader so that the required action can be taken easily to rectify the situation.
        • Mention the things or the amount of money that you want to claim, in detail. Include a statement that says, the adjustments you would consider to be fair.
        • Always write such a letter to the head of the department, in order to get a quick response.

        Tips on Writing an Effective Claim Letter

        Now you must be knowing that writing a claim letter is like writing a complaint letter. You can get the claim granted with some satisfactory adjustments, only when your claim letter is accurately and tactfully written. Here are the few tips that you need to follow in order to write an effective claim letter:

        • In such a letter there is no scope of giving threatening messages or adding invalid accusations. What will you do if the matter is not solved? Don’t give the answer to this question in your claim letter.
        • You should always address such a letter to a specific person rather than addressing it to the entire company.
        • Start your letter with the positive attitude because studies have shown that such a letter created a good impact on a reader even if it is related to some criticism. It is human nature to get defensive when someone complaints. So it is important to mention a complaint in a good manner.
        • What is a specific problem that you are facing? What is a solution to it? Give answers to these questions in your claim letter.

        Features of a Well-Written Claim Letter

        Finding fault is an easy task for anybody! Adding such a fault tactfully in a claim letter is important. Here are the few features that should be the part of your well-written claim letter:

        • When you have the best reason to ask for a claim, then it is advisable to not make mistakes with your language.
        • It is important to be clear about the things that have gone wrong, in your claim letter.
        • Don’t be rude with your language or use any kind of bad words but it is important to describe the mistake accurately with the good tone in your claim letter.
        • Add details related to the definite dates, type of product, quality of services, invoice number etc. This can make it easy for the reader to trace your product.
        • Address the letter to the right person and state the adjustment that you are looking forward to.

        You must be knowing now that a claim letter is written to ask for a possible compensation or any kind of adjustment. Understand one thing that mode of claims asked for, are not always the same and it may differ depending on the situation and the nature of loss. Below are the different mode of claims that a buyer can claim:

        • You can ask for partial or full refund
        • You can ask for a replacement of the defective product
        • You ask for the repair of the damaged product
        • You can ask to make future delivery of the product with the correct items
        • You can ask for further discounts
        • You can ask to make the required changes in the bill
        • You can ask to credit the amount to your purchase account
        • You can cancel your entire order or a portion of the order
        • You can ask to reschedule the payment process

        How to Write a Claim Letter?

        • You need to specify the type of claim you are making in the beginning of the letter itself.
        • If it is an insurance claim, then don’t forget to add your policy number.
        • If you are using some documents as an evidence for your claim, then mention the details about the content of your document in your letter to support your claim.
        • Mention your contact details that can make it easy for the reader to contact you in the future.
        • Be thankful to the reader for maintaining patience and reading your letter.

        From Your name Your Address Your City state, zip Your Phone number, Your Email Date To, Name Position, Department Office address, City, State, Zip. Dear Sir, This is regarding the insurance claim for my car. My policy number is ____________. The details of the accident are as given below: I parked my vehicle in the

        From Your name Your Address Your City state, zip Your Phone number, Your Email Date To, Name Position, Department Office address, City, State, Zip. Dear Sir, This is regarding the insurance claim for my car. My policy number is ____________. The details of the accident are as given below: I parked my vehicle in the

        Ms/Mr. ______________ Address Date: ___________ Subject: Claim of warranty To, Dear Ms/Mr. ____________ I would like to claim the warranty for the television 21” LCD brought from your company. The television was purchased under the order no _______ (order no.) and was delivered on _______ ( date of delivery). The warranty is effective till _______

        A claimant is a person who asks for a reimbursement for any damage done to life or property. A claim is when damage is informed and refund is requested. A claim could be of many kinds: Car insurance claim Health insurance claim Life insurance claim Claim against theft Claim against fire Accidental claim Compensatory claim


        Quit Claim Deed – The Complete Guide From #claims #adjuster #trainee #jobs

        quit claim deed

        The Complete Guide to Quit Claim Deeds

        The quit claim deed is a type of legal document used to transfer interest in real estate from one person or entity (grantor) to another (grantee). Unlike other real estate deeds, it conveys only the interest the grantor has at the time of the deed’s execution and does not guarantee that the grantor actually owns the property or has good title.

        Without warranties, it offers the grantee little or no recourse against the seller if a problem with the title arises in the future. This lack of protection makes a quitclaim deed unsuitable when purchasing real estate from an unknown party. It is, however, a useful instrument when conveying property from one family member or spouse to another, and it is commonly used in divorce proceedings or for estate planning purposes.

        Title companies may require a quit claim deed in order to clear up what they consider to be a cloud on the title prior to issuing title insurance. Similarly, prior to funding a loan, lenders may ask someone who is not going to be on a loan, such as a spouse, to complete and record a deed quitclaiming their interest.

        Common Uses For Quit Claim Deeds:

        • Real Estate Transfers Between Family Members. Quit claims are often used to transfer property to and from family members. Transfers between parents and children, between siblings, and between other closely related family members are easily done with this type of deed.
        • Adding Or Removing A Spouse From Title. Whether resulting from a divorce or a marriage, a real estate owner can use a quit claim deed to add a spouse to or remove a spouse from the title of the property.
        • Transferring Real Estate To An LLC Or Corporation. With holding of real estate in the protection of LLC’s and Corporations becoming more common, so are quit claim deeds. Corporate transfers are usually done with this type of deed as it is generally a transfer between closely related entities.
        • Transferring Real Estate To A Trust. As with corporate transfers of real estate, transfers to a Trust are equally common. Family planning that deals with property meant to carry on through generations often involves an initial transfer from a family member into a trust.
        • Removing A Cloud On Title For Title Insurance. In the process of insuring title to real estate title companies may find a “cloud” in the title. Generally this means that there appears to be someone may or may not have an interest in a property that has not been accounted for and it is causing a break in the chain of title. It is common for the company insuring the title to require the person in question to quit claim their interest in the property prior to issuing the title insurance.

        Creating a Quitclaim:

        • Preparing the document.
          • You can create the document from scratch
          • A fill in the blank type form can be used
          • An attorney can be hired to prepare the document for you
        • Signatures.
          • Almost every quitclaim deed will need to have the grantor sign
          • Some states require the grantee to sign
          • A few states require witnesses
          • In most cases the grantor’s signature will need to be notarized
        • Delivery and acceptance.
          • In order for the quitclaim to be valid it will need to be delivered to AND accepted by the grantee. There is very little in the way of guidelines as to what constitutes delivery and acceptance. It is a good idea for the grantor to get something in writing from the grantee stating that they have received and accepted the quitclaim document.
          • Once the completed quit claim deed has been signed by all required signers, delivered to and accepted by the grantee, it is considered executed.
        • Recording.
          • The final step in the quitclaim process is generally the recording of the executed document by the grantee.
          • It is not always required for the document to be recorded in order to be valid however it is almost always required in order for the document to be binding on third parties.
          • The recording of the document is done at the recorder’s office where the property is located.

        Elements of a Quitclaim Form

        While each County has specific formatting requirements for the recording of documents there are main elements that are common to all real estate deeds.

        • Title. The title of a legal document tells the world what type of document it is. In this case the title is “Quit Claim Deed”
        • Executed Date. This is the date that the legal document was completed, signed, and executed.
        • Grantor. This is the person or persons that is transferring their rights to the real estate to someone else. The term “person” can refer to a natural person, an LLC, a Partnership, a Corporation, a Trust or Trustee, or any other entity that can legally own real estate.
        • Grantee. This is the person that is receiving the rights to the real estate that are being transferred. Again here, the term “person” refers to any entity that can legally own real estate.
        • Habendum. This is the meat of the deed, the legal speak which actually transfers the rights to the property. Generally it is a phrase similar to: “. does hereby remise, release and quitclaim unto the said Grantee forever, all the right, title, interest and claim which the said Grantor has in and to the following described parcel of land, and improvements and appurtenances thereto. “
        • Consideration. This is what the Grantee gives to the Grantor in return for the rights to the property. While in some cases a deed may be enforceable without consideration it certainly muddies the water. It’s a good idea to check with a tax accountant before transferring real estate with a “no consideration” or “gift” deed as there may be tax issues.
        • Legal Description. Here is where the description of the property being transferred is listed. The format of the legal description varies from state to state. The types of legal descriptions are: metes and bounds, rectangular survey, and lot and block. The “lot and block” legal description is the most common however it depends on your state. A typical lot and block description looks like: “QCD SUBDIVISION, 2ND AMD, LOT 112 BLOCK 3”.
        • Signatures. Most states require only the Grantor to sign the deed and for it to be delivered to the Grantee for it to be valid. Grantor’s signatures usually must be notarized and in some rare cases separate witnesses must also witness the Grantor signing.
        • Prepared By. This section lets the world know who prepared the deed. Generally this is the Grantor or an attorney.

        Download Forms


        Domestic UIF – UIF Registrations #claiming #incapacity #benefit

        uif claims

        Who is a Domestic Worker?

        According to the Unemployment Insurance Act 2003 a domestic worker means an employee who performs domestic work in the home of his employer, and includes a
        – gardener
        – person employed by a household as a driver of a motor vehicle
        – person who takes care of any person in that home
        – does not include a farm worker.

        What about working hours?

        According to legislation, domestic workers should work no more than 45 hours per week. If they work a five day week. no more than 9 hours a day and no more than 8 hours per day if working a 6 day week.

        Domestic workers should work no more than 15 hours per week overtime, and no more than three hours on any one day.

        They should also receive double pay on Sundays or public holidays.

        How much do I need to contribute to the UIF?

        All employees must contribute 1% of their salaries to the UIF.
        In addition to this, the employer also contributes 1% in respect of each worker in his/her employ. The total contribution paid is therefore 2%. The onus is on the employer to facilitate this monthly payment.

        What about back payments?

        If the employer failed in the past to deduct monthly contributions, then 2% of arrear contributions, are due by the employer. The employee is not liable for any arrear payments. The total contribution paid is therefore two percent. A penalty fee of 10% of the total outstanding contribution must be added.

        Benefits to the Employee

        • Unemployment benefits – A domestic worker who contributed to the fund and whose employment has been terminated can claim. Employees cannot claim if they resign.
        • Illness benefits – A domestic worker who can’t work because of ill health can claim for 6 months.
        • Death benefits – If a domestic worker who contributed to the fund dies, their dependents can claim.
        • Adoption benefits – A worker who contributes to the fund who is adopting children below two years of age can claim if they take unpaid leave to look after the child.
        • Maternity benefits – A domestic worker who is pregnant can claim maternity benefits before and after the child is born.

        uFiling is an online payment service provided by the Department of Labour. Once your uFiling account has been activated you will be able to track your employee details and also see the contribution amounts due by you. The only requirement to activate your uFiling account as an employer is to have a valid UIF reference number.

        We are not affiliated to the Department of Labour. We are a private company, providing a registration service for your convenience. You as well as your Domestic Worker will be registered with the Department of Labour. We will facilitate this on your behalf.

        What is the Minimum Wage for Domestic Workers?

        Minimum wages for domestic workers who work more than 27 ordinary hours per week.
        (Area A – Urban Municipalities)

        Minimum rates for the period 1 December 2014 to 30 November 2015

        • Hourly rate: R10.59
        • Weekly rate: R476.68
        • Monthly rate: R2065.47

        Minimum wages for domestic workers who work 27 ordinary hours per week or less.
        (Area B -Rural Municipalities)

        Minimum rates for the period 1 December 2014 to 30 November 2015

        Dismissal and Notice period

        One weeks’ notice must be given if the Domestic Worker has been employed for less than 6 months. If the employment was longer than six months, four weeks’ notice is required. Domestic Workers are entitled to severance pay. One week for each year worked.

        Do I need to supply a monthly payslip?

        Employers must give workers the following information in writing when paid:

        • employers name and address
        • workers name and occupation
        • period for which payment is made
        • total salary or wages
        • any deductions
        • actual amount paid
        • if relevant to the calculation of pay:
          – workers pay and overtime rates
          – number of ordinary and overtime hours worked
          – number of hours worked on a Sunday or a public holiday

        What about a contract?

        Domestic work arrangements have been agreed to very informally in the past with few employer and employee relationships documented in proper, written contracts. As a result of too many domestic workers being exploited, working in unfavourable conditions for long hours and poor pay the Department has regulated this sector. On top of stricter law enforcement, more domestic workers are ready to take an employer to the CCMA in event of a dispute, whether justified or not. Without some formalized agreement between employer and worker, getting a fair outcome becomes much harder. The Basic Conditions of Employment Act requires employers to conclude a written employment agreement with their domestic workers, gardeners and childminders (including drivers of children) and those who look after the sick, aged or disabled in private homes.

        You will receive a contract on registration.


        Child Benefit Contact Number – 0843 504 0110 #no #claims #bonus #for #named #drivers

        how to claim child benefit

        Child Benefit contact number 0843 504 0110

        Looking to call the Child Benefit contact number? As one of the most popular benefits payments in the UK, the Child Benefit helpline is constantly being searched for by people who would like to have one reason or another resolved by their team. This can range from people who would like to make a claim, through to those who have a complaint or would like to talk to a member of their central contact team about their existing payments. Regardless, their staff are based in Uk call centres and should be more than capable of dealing with all of these matters and more.

        Ringing the Child Benefit contact number through Prove I Called

        When you call the Child Benefit contact number using one of our special Prove I Called numbers, you get a range of added benefits. The reason that the site was set up was in order to allow customers a chance to get proof that they did indeed dial a company if any issues crop up further down the line. This could be ideal if you need to raise a complaint or escalate an issue as it will certainly mean that you have an extra piece of information in your arsenal. If you need to call the Child Benefit contact number, you can do so by clicking below.

        Call the Child Benefit contact number now

        Other ways to contact Child Benefit

        If you have responsibility for a child under 16 you are entitled to child benefit in the UK. This also applies until they reach the age of 20, if they stay in approved training or education. Only one person is allowed to claim Child Benefit per child, and it doesn t necessarily have to be their maternal parent. Any change in circumstances must be reported to the Child Benefit Office, and this can either be done by completing an online form, or calling the Child Benefit contact number.
        If your income is more than £50,000 you may not receive the full amount, because you ll likely have to pay a tax charge. It s completely up to you whether you receive any Child Benefit payments, but you should still take the time to complete the claim form, because it will help you to receive National Insurance credits that count towards a State Pension. It will also ensure that your child is registered to get their own National Insurance number when they reach 16 years of age.

        Child Benefit Payments

        There are currently 2 child benefit rates which are £20.70 for the eldest child, and £13.70 for any additional children.
        If you aren t getting these rates you should use the child benefit contact number, and let them know immediately. Your situation will be investigated and any changes made. There is also another benefit you may be entitled to(Guardian s Allowance)if you re raising someone else s child because one or both parents have passed away.
        When a family splits up and children live with different parents, each of you will be able to claim the eldest child rate for one child that lives with you. Both parents cannot claim for one child. When 2 families join together the eldest child in the new family will qualify for the higher rate.
        If you are a single parent, or in receipt of certain other benefits, you can request to be paid weekly. Otherwise Child Benefit is normally paid every 4 weeks, straight into your bank account, usually on a Monday or Tuesday. There are certain types of account that your money can t be paid into, but call the Child Benefit contact number for further clarification.

        Who is Eligible to Claim Child Benefit?

        Only one person is allowed to claim Child Benefit for a child in their care. They have to be under the age of 16, or 20 if they are staying in approved education or training. You also have to reside in the UK.
        You re classed as being responsible for a child if they live with you, or you re contributing at least the same amount of Child Benefit towards their care. Contributions can be for:

        • clothes
        • birthday and Christmas presents
        • pocket money
        • food
        • money

        Child Benefit payments continue for 20 weeks after a 16 or 17 year old leaves formal education, if they ve registered with the armed services or a government-sponsored careers service. If your child has to go into hospital or care, or they live with another person, then the eligibility rules are different. But by using the child Benefit contact number you should find out all you need to know if you re in this situation.
        If you re adopting or fostering you don t have to wait until the adoption process is complete. You should apply for Child Benefit as soon as the adopted child comes to live with you. Nationality of the child doesn t affect your entitlement. You re entitled to claim Child Benefit if you re fostering a child, and the local council aren t paying anything for the accommodation or maintenance.
        If you re caring for someone else s child if you ve got an informal arrangement to look after a relative or friend s child you may be entitled to receive Child Benefit, but not if the local council is paying towards their accommodation or maintenance. Two people cannot claim for one child, so you will have to come to an agreement with the person currently claiming. HMRC will decide on entitlement if you can t agree yourselves.

        Claiming Child Benefit

        To claim Child Benefit you must complete form CH2, and send it to the Child Benefit Office in Newcastle Upon Tyne, along with their original birth or adoption certificate. It can take as long as 12 weeks for your claim to be processed, and possibly even longer if you ve just moved to the UK. You should make your claim as soon as your child is born or they start living with you. The benefit can be backdated for as much as 3 months, but it s still important to make your claim as soon as possible.
        Contacting the Child Benefit Office
        If you have any questions, or need to make any changes you should contact the Child Benefit Office immediately. There are online forms that you can use or you should ring the Child Benefit contact number. Opening times are Monday to Friday, 8am to 8pm, and Saturday s 8am to 4pm. The office is closed on Sundays, Christmas Day, Boxing Day and New Year s Day. Phone lines are often very busy, but less so between 8am and 11pm, Wednesday to Friday. You should have your National Insurance or Child Benefit number handy when you call.


        Latest News

        9:30 am 20 Nov 2015

        9:30 am 19 Nov 2015

        9:30 am 18 Nov 2015

        In this article we explain why you should use Prove I called – and why our specialist service can aid you in your interactions with helplines, customer services desks and complaints lines.

        Interested in how the service works? Read all about how we give customers to power in complaints issues – especially when dealing with cancellations or head offices.

        Struggle to capitalise on situations when you call a company? Don’t worry – we’re here to help with your phone calls. Read our expert advice on how to get the most out of any call to customer services.

        Customer Service issues on Twitter


        South Africa – Claim Unemployment Benefits in South Africa #claim #jumpers

        uif claims

        Claim Unemployment Benefits in South Africa

        What are your Benefits if you are Unemployed or Ill? Find out about the national Unemployment Insurance Fund (UIF), Unemployment Benefits, Illness Benefits, Maternity Benefits, Adoption Benefits and more on

        The national Unemployment Insurance Fund assists not only those who lose their jobs, but also those who stop receiving a salary for a period of time as a result of pregnancy, illness or taking care of an adopted child under the age of two. Also family members left behind upon the death of the breadwinner in the family are assisted by the Fund. Essentially, the five types of benefits that are provided include:

        1. Unemployment Benefits
        If you lose your job, because of dismissal, contract termination by your employer or his insolvency and have not found another within 14 days, you may apply within six months of becoming unemployed. You can claim benefits for up to 34 weeks (238 days). When applying you must identify yourself, bring the last six pay slips, a formal statement of your former employer, proof that you registered as a job seeker with the Department of Labour, state that you are capable and willing to work and fill in the application booklet.

        2. lllness Benefits
        If you are ill you can claim if you are unable to work for more than 14 days and not receiving a salary or receiving only a part of your salary from your employer. You must be willing to undergo medical treatment. When applying you must identify yourself, bring the last six pay slips, a formal statement of your employer and your pay in the period you are on sick leave, proof of banking details and fill in the application booklet.

        3. Maternity Benefits
        When you are due to have a baby you are entitled to 17 weeks (121 days) maternity benefits. If you have had a miscarriage you can claim for six weeks (42 days). When applying you must identify yourself, bring your last six pay slips, a formal statement of your employer and your pay in the period you are on maternity leave, proof of banking details, a completed medical certificate and fill in the application booklet.

        4. Adoption Benefits
        Can be applied for when you adopt a child under the age of two years and take unpaid leave or receiving only a portion of your salary while you are at home caring for the child. Only one parent may claim. Benefits are only payable if the child is adopted in terms of the Child Care Act and the period that the contributor was not working was spent caring for the child. When applying you must identify yourself, bring the last six pay slips, a formal statement of your employer and your pay in the period you are on leave, proof of banking details, the order of adoption, a copy of the child’s birth certificate and fill in the application booklet.

        5. Dependent’s Benefits
        Can be applied for if the person who has been financially supporting the household dies. The spouse of the deceased can claim the benefit even if he or she is in employment. The application must be made within six months of the date of the death of the deceased contributor. When applying the spouse of the deceased should identity him/herself and show the id of the deceased partner, the last six pay slips of the breadwinner, a formal statement by the former employer, a certified copy of the marriage certificate, a completed medical certificate, proof of banking details and fill in the application booklet. If the surviving spouse does not make an application within six months, a dependent child under the age of 21 years and includes any person under the age of 25 years who is a learner and who was wholly or mainly dependent on the deceased, can apply for the benefits. The application must be made within 14 days after the 6 month period has expired, during which the spouse should have applied. In addition they should show proof of guardianship and of learner status.

        Quit Your Job and Lose Your Right!
        All employees are contributors to the UIF. Each month the employer deducts 1 percent of workers’ pay as their contribution prescribed by law. Some contributors are however excluded from a benefit, more in particular if the contributor:
        · Resigns from employment
        · Fails to report at the times and dates stipulated by the claims officer
        · Refuses without just reason to undergo training and vocational counselling for employment
        · Is receiving a monthly pension from the state
        · Is receiving payment from the Compensation Fund for illness or injuries that caused the temporary or total unemployment of the contributor
        · Is receiving benefits from any other scheme established by the Labour Relations Act
        · Fails to comply with the provisions of the Act
        · Has been caught working and collecting benefits or committed fraud, in which case the Unemployment Insurance Commissioner may deny a contributor access to the fund for a period of up to five years.

        Build Up Credit
        Credits are given to you as you work and contribute to the Fund. For every six days you have worked you get one day’s credit up to a maximum of 238 days. To build up the maximum credits you have to work for four years. If you have worked for less than 238 days you can claim for the number of days’ credits you have built up. As from April 2002 benefits are calculated on a sliding scale dependent on your salary. The benefit rates range from 38% for the highly paid workers (earning more than R97 188 per annum, R8099 per month or R1869 per week) to 58% for the lowest paid workers.

        Applicants Should Remember:
        • To keep your 13-digit RSA-bar coded Identity Document (ID)/ passport safe
        • To inform the claims officer if you resumed work while receiving UIF benefits at the same time
        • That it is illegal to work and draw benefits at the same time
        • To report at times and dates stipulated by the claims officer when advised to do so
        • Not to make a false statement
        • Not to wait until it is too late to apply for benefits
        • Not to expect to receive any UIF benefits when you resign from employment
        • Not to submit fraudulent applications for benefits
        • Not to refuse without reason to undergo training and vocational counseling for employment
        • Not to stay away and ignore the instructions of the claims offer.

        Employers Must Ensure:
        That their UIF reference number is completed on the deposit slip when payment is made. UIF-payment for domestic workers only: FNB 62052400547 25-31-45

        For all other information you may need, look at


        Claim-UIF Now #third #party #accident #claims

        uif claims

        We can help with all types of UIF Claims, (Maternity, Adoption and Illness), however this division of our company specialises in Unemployment UIF Claims as we feel that our clients need our undivided attention.

        Before you make payment please ensure that you meet the following requirements:

        • You must have a bar coded ID Book or ID Card
        • You must be a contributor
        • You cannot have resigned

        Have you been retrenched or lost your job?

        Don’t let Unemployment get you down, our reliability and experience when claiming UIF will help you through this stressful experience.

        Losing one’s source of income is stressful enough without getting endless paperwork together for a UIF Unemployment Claim. For families, unemployment can mean more than just the loss of a job and resources. The lack of funds in a home can have a negative impact on family life, as parents struggle to make ends meet.

        While Claim-UIF Now is facilitating your UIF claim, your precious time can be used to seek employment and go to interviews.

        Start your claim below:


        Small claim court #third #party #claims

        small claim court

        The Small Claims Court allows you to institute minor civil claims in a speedy, affordable and simple manner without using an attorney.

        Who may institute a claim?

        • Anyone except juristic persons such as Companies, Close Corporations and Associations.
        • A person under 18 must be assisted by a parent or legal guardian.

        Against whom may a claim be instituted?

        • With the exception of the State, against anyone, including Companies, Close Corporations and Associations.
        • NB. Please note that claims cannot be instituted against Municipalities/Local Government in a Small Claims Court.

        What amount can be claimed?

        • An amount not exceeding R 15 000. (This amount is determined by the Minister from time to time in the Government Gazette. Latest: G 37450 RG 10153 GoN 185. 18 Mar 2014.
        • If your claim exceeds R 15 000 in value, you can institute a claim for a lesser amount to pursue your case in the Small Claims Court.


        Cautionary principle for persons using the Small Claim Courts.
        If you intend instituting a claim in the Small Claims Court, ensure that the opposing party is able to compensate you should the judgment be in your favour. It is futile to institute a claim against another person who is unemployed and who possesses no property.

        • Step 1. Contacting the opposing party
          Contact the opposing party (the person against whom you are instituting legal proceedings) either in person, in writing or telephonically and request them to satisfy your claim.
        • Step 2. Letter of demand
          If the opposing party does not satisfy your claim, send them a written demand setting out the facts on which the claim is based and the amount you are seeking. Afford the opposing party 14 days from receipt of your letter to settle your claim. Deliver the written demand by hand or registered post to the opposing party.
        • Step 3. Going to the clerk of the court
          After 14 days report to the clerk of the court with the following documents:
            • Proof that the written demand was delivered, such as a post office slip.
            • Any contract, document or other proof upon which your claim is based or that has regard thereto.
            • The full name and address (home and business addresses, if available) and telephone number of the opposing party.
        • Step 4. Summons to the opposing party
          The clerk of the court will examine your documents and assist you in drawing up the summons. The clerk of the court will issue the summons and hand it to you to hand to the opposing party. The clerk of the court will also inform you of the date and time of the hearing of the case.
        • Step 5. Delivery of the summons
          Serve the summons on the opposing party in person and have them sign for the document. The plaintiff is required to make copies of the summons, letter of demand and return of service. The copies must be served on the opposing party (otherwise known as the defendant). The plaintiff must deliver the original summons and return of service to the clerk of the court as soon as possible before the hearing to ensure the information is kept in the court file.

        What might happen between Step 5 6:

        • The defendant may comply with the plaintiff’s claim.
        • The defendant may deliver a written statement (plea) to the clerk of the court and send a copy to the applicant.
        • The defendant may issue a counterclaim by delivering a written statement that contains the same particulars as those required for a summons to the clerk of the court.
        • If a plea or a counterclaim is instituted, the court proceedings must still be attended.

        • Issue a written receipt immediately
        • Inform the clerk of the court that your claim has been settled and that you are no longer proceeding with the case.

        • Step 6. Hearing
          • You must appear in court in person.
          • Ensure you have all the relevant documents on which your claim is based with you.
          • Ensure that all your witnesses are present.
          • Ensure that you have the written proof that the summons was served on the opposing party.
          • The court procedures are informal and simple.
          • No advocate or attorney may appear on your behalf.
          • The commissioner of the court will request you to state your case. State the facts as concisely as possible.
          • Answer the questions of the commissioner and submit your exhibits. (document upon which your claim is based)
          • No cross-examination between the parties is allowed. With the commissioner’s permission you may, however, put a few questions to the opposing party.
          • Listen attentively to the opposing party’s explanations and inform the commissioner of any facts you believe have not been presented accurately.
          • After the commissioner has heard you, your opposing party and any witnesses that may be present, the court can pass judgment. The commissioner may also indicate that judgment will be passed in writing at a later stage.
        • Step 7. After judgment
          In case judgment is given against you
          • The judgment of the court is fi nal, unless some ground for review exists.
          • Settle any order for costs that the court may make against you. The only possible costs can be those that the opposing party may have had in respect of fees for the sheriff.
          • Abide by the decision of court.
        • The above-mentioned merely informs you of the most important steps to be taken with regard to the institution of a case in the small claims court.
        • Should you require assistance with any matter at all, the address and telephone number of the clerk of the small claims court can be obtained from your local magistrate’s office.


        How to Claim UIF Unemployment Benefits – Department of Labour #free #quit #claim #deed #florida

        uif claims

        How to Claim UIF Unemployment Benefits

        Unemployed workers must apply for benefits at their nearest labour centre in person. They must be registered as work-seekers and take the necessary documents with them.

        Claiming Unemployment Benefits

        If workers want to claim unemployment benefits they must use the following steps:

        Step 1: Get the documents ready

        Before workers can claim, they must get the following documents ready:

        • 13-digit bar-coded ID or passport;
        • form UI-2.8 for banking details;
        • form UI-19 to show that you are no longer working for your employer; and
        • proof of registration as a work-seeker.

        Step 2: Go to the nearest labour centre

        Unemployed workers must go to the nearest labour centre themselves and hand in the documents. Staff at the labour centre will assist them with all the processes and give them more information.

        Step 3: Follow all the instructions of the staff at the labour centre

        Staff at the labour centre may ask unemployed workers to go for training or advice or to visit the labour centre at certain times. Workers should do what they ask, or they may not be able to claim.

        Related Links

        • Basic Guide to UIF Contributions Employers must pay UIF contributions of 2% of the value of each worker’s pay per month. The employer and the worker contribute 1% each.
        • Basic Guide to UIF Registration All employers must register with the UIF or SARS.
        • Basic Guide to UIF Unemployment Benefits Workers who become unemployed have the right to claim from UIF.
        • How To Apply to Pay the UIF Annually Employers who want to pay UIF annually may do so before the 7 of March every year.
        • How To Claim UIF Dependants Benefits Dependants who want benefits must take the necessary forms to their nearest labour centre.
        • How To Claim UIF Illness Benefits Ill workers must take the necessary documents to their nearest labour centre or get someone to go on their behalf.
        • How To Claim UIF Maternity Benefits Workers on maternity leave must apply for benefits at their nearest labour centre.
        • How To do UIF Declarations Employers can mail, fax, email or do their declarations online.
        • Form UI-19 – Declaration of information of commercial employees and workers employed in a private household Employers’ must forward this form to the UIF, PRETORIA, 0052 or alternatively fax.
        • Form UI-2.8 – Application to pay UIF benefits into banking account Application to pay UIF benefits into banking account
        • Contact Us How to contact the Department of Labour
        • Labour Centres Short description


        Unemployment Insurance (UIF) #personal #injury #claims

        uif claims

        uFiling is a FREE online service that allows you to securely submit your UIF declarations and pay your monthly contributions. It harnesses the power of the Internet allowing Employers of Domestics, Commercial Employers (SMME) and Tax Agents to complete and submit monthly UIF declarations and to securely pay UIF contributions

        The UIF uFiling site is secured using the highest forms of browser security available today and is secured by Verisign. uFiling users simply need to check they are on the correct website address and look for the lock symbol on their browser. All information provided by uFilers is kept confidential and will be securely stored as to provide a high level of security for the employer

        View Acts and amendments to view Department of Labour published Acts and Amendments to Acts that pertain to uFiling or the Department of Labour

        View or download various Forms and guides such as; claim forms, reports, and samples of employment documents with instructions. You can also download guides and templates of documents issued by the Department of Labour

        View all Frequently asked questions

        Download or view published annual reports


        File weekly claim #file #unemployment #claim

        file weekly claim

        Additional services available to Employers and Remitters upon login —

        • Accounts Payable Status
        • Accounts Receivable Status
        • Account Status
        • Change Your PIN
        • Current Tax Rates
        • File, Adjust or Review Quarterly Tax & Wage Report
        • Last Experience Rating Ledger
          (Tax Account Balance)
        • List of Charges to Your Account (NCUI626)
        • Make a Tax Payment
        • Respond to Wage Audit Notice (NCUI528)
        • Sign up to Receive Electronic Claim Separation Information Requests (UI SIDES)
        • Tax/Wage Report Status
        • Update Contact Information for UI SIDES
        • Update Your Address or Phone Number
        • Voluntary Contribution Calculator

        Latest Press Release

        • Raleigh – The Division of Employment Security (DES) has begun to collect unpaid unemployment insurance taxes from employers through a federal program called the Treasury Offset Program (TOP). Read complete story
          May 6, 2016more Press Releases

        News and Highlights

        • Important information for unemployment insurance claimants. For claims filed on or after January 3, 2016, claimants are required to make five work search contacts during the week. You are also required to maintain documentation of that search. Click here for more information.
          Dec 31, 2015
        • Important Information for Employers Beginning with claims filed on or after January 3, 2016, benefits paid during a calendar quarter will be charged to the employer s account at the end of that quarter regardless of when the claimant s benefit year ends. With the move to quarterly charging, DES will no longer provide a quarterly List of Potential Charges. Click here for more information.
          Apr 22, 2016
        • Filing Your Weekly Certification Stay eligible for unemployment benefits. Click here for additional information concerning your weekly certification.
          The fastest and most efficient way to file your weekly certification is to file online. If you have difficulty with this application, you may file over the phone by calling 1-888-372-3453. Call Monday Wednesday through Saturday if your social security number ends in an odd number. If your social security number ends in an even number, you may call Tuesday through Saturday.
          Jun 29, 2016
        • Important Changes for Unemployment Insurance Claimants Please be aware that according to state and federal law, you must register for work. To register for work, go to NCWorks Online and create an account. If you fail to register for work at by setting up an NCWorks Online account or maintain an active account, your benefits may be delayed or denied. Click here for more information.
          Oct 24, 2014


        Cold Called by We Fight Any Claim 0844 856 9007 (2012) #auto #accident #claims

        we fight any claim

        Cold Called by We Fight Any Claim 0844 856 9007 (2012)

        Update: This thread was posted in 2012. In 2015, we received the following statement from WeFightAnyClaim:

        Here at We Fight Any Claim we have acknowledged that there were some issues in past practices and we have now moved on and remedied any customer service issues regards sales calls.

        They go on to state that they believe the thread is misleading because it represents an old and outdated representation of our business practice, it s also now inaccurate as we no longer operate the way we re portrayed within the thread.

        Another call received be one of our team today from We Fight Any Claim .

        They called from the number 0844 856 9007 this afternoon, having called us in the past. Here s how the call went:

        Them: We re calling from We Fight Any Claim

        Us: Let me stop you there. I ve spoken to you before. I m not interested.

        Them: This isn t a cold call, this is to help you

        Us: No thank you. Please can you end the call and remove me from your database.

        Them: We can help you with your PPI claim

        Us: Can I speak to your supervisor?

        Them: No-one is available. Have you claimed back your PPI yet?

        Us: I am on the TPS register, why are you calling me?

        Them: You opted in on a survey

        Us: Which one?

        Them: I don t have that information.

        Us: You ve called before, and I have asked twice to end this call

        Them: If you let me finish. Have you claimed back your PPI already?

        Us: Why do I need to tell you three times that I don t want to carry on with this call?

        Them: I was trying to clarify whether you could be invited to get some money back

        Us: I appreciate that, but when iI said no thank you, and asked to end the call, why did you carry on?

        Them: I just asked you one more time

        Us: Is it your company policy to keep asking until you get three nos

        Them: I apologise if you think I was being aggressive

        Us: It s interesting that it took three nos and asking for you supervisor to get you to stop

        Them: Thanks for your time. Enjoy the rest of your day

        I find it amazing that asking for me details to be removed, and repeatedly saying no doesn t seem to do the trick. I guess all the time they re flogging a dead horse with us, stops them calling someone else.

        From looking online We Fight Any Claim seems to have annoyed a few other people with their abrupt and aggressive cold-calling. Here s an example:

        Wonder if we can expect another call from them tomorrow, or if we ve finally got ourselves removed from their list?

        Any experiences of nuisance calls from We Fight Any Claim? Let us know