Filing a Claim, file claim for unemployment.#File #claim #for #unemployment


Filing a Claim – The Claim Process

This section provides a step-by-step summary of the Unemployment Insurance (UI) claim process.

  1. Employers may provide a copy of the booklet, For Your Benefit: California s Programs for the Unemployed (DE 2320) to employees who are unemployed. The UI Code, Section 1089 requires employers to provide the booklet.
  2. The individual files a claim for UI benefits using one of the following methods:
    • Access eApply4UI:

Answers to questions are entered online. After the application is completed the individual submits it online to the Department. Note: This is the fastest way to file your claim.

  • Contact EDD by phone:

    Individuals will speak to a Department representative who will ask a series of questions and record the responses.

  • Complete a paper UI Application, DE 1101I:

    The application can be completed online and printed, or it can be printed and completed by hand. The application can then be faxed or mailed to the EDD for processing using the fax number or mailing address on the application.

  • Note: To reopen an existing claim, use UI Online SM , the fastest and most intuitive way to reopen your claim. Access your UI Online account and select Reopen Your Claim and answer all of the questions.

  • The Department representative files the claim and the following documents are mailed:

    * Unless the claimant is participating in a Partial or Work Sharing Program.

    • Notice of Unemployment Insurance Claim Filed (DE 1101CZ)

    For more information about the UI claim filing process, review the following web pages:

    • Need More Information: Lists the items and information you should have available in order to start filing your claim.
    • After You’ve Filed – Phone Interview: Provides information about what you can expect when the EDD conducts an interview about eligibility issues.
    • Contact UI: Provides contact information for the UI program, such as toll-free phone numbers and other contact information.
    • UI Frequently Asked Questions: Frequently asked questions about the Unemployment Insurance Program.


  • MDOL: How to File for Unemployment, file claim for unemployment.#File #claim #for #unemployment


    How to File Unemployment Benefits

    When you apply, you will need to have the following information available:

    • Your Social Security Number or Alien Registration Number;
    • The business name, address and telephone number of each place you worked at during the past 18 months; and
    • The jobs you held and the dates you worked (for each employer).

    Veterans who separated from the armed forces in the past 18 months will need to provide information from your DD-214. Federal civilian employees will need to provide information from your SF-8 or SF-50.

    Once you have filed your claim, you will receive the Benefits Rights Booklet and weekly claim forms in the mail.

    Filing Online

    You can file online from any computer connected to the internet. If you don’t have a computer at home, you can use computers at the CareerCenter or at many local libraries.

    The website portal allows individuals to create an online unemployment account; manage their profile, including editing contact information, username, password, PIN number and security reset questions/answers; and access a forgotten PIN, username, or password using security questions/answers. Current unemployment claimants can view and print heir benefit history transcripts, view their claim status, manage the direct deposit of their benefit payment, reopen an existing account or file a weekly unemployment claim. New users can access the Maine Job Bank, mainecareercenter.com and file an initial unemployment claim. Users can obtain benefit history transcript, often needed when applying for services from other agencies, for example, LiHeap.

    Frequently Asked Questions for Claimants

    Filing by Phone

    Call the Unemployment Claims Center toll-free at: 1-800-593-7660 or TTY: Maine relay 711. If you need interpreter services, press the number 1 once you are connected to the Claims Center and tell the Claims Representative what language you speak.

    Claims Center Wait Times: During periods of high call volumes, you may have a long wait time on the phone or get a message to call back later in the day. We apologize for the inconvenience. Wait times are typically shorter on Wednesdays and Thursdays and in the afternoon.

    If you do not have a phone at home, you can call from your nearest CareerCenter.

    Filing by Mail:

    To establish a new claim for unemployment (Initial claim) the quickest and most complete method is to file on the internet at www.file4ui.com. You will need to create your own web portal account and complete the initial claim process. The web portal provides a number of self-service options for you to manage your account.

    After you have established a new claim you must file weekly claims for unemployment for each week that you wish to file for benefits. You can file weekly claims on the internet through your web portal account. You may also file weekly claims on the telephone by calling 1-800-593-7660 and selecting the option to file weekly claims.

    Under certain conditions, you may be required to complete a weekly paper claim. Paper claims are required for Dislocated Worker Benefits, WorkShare, Trade, Extended Benefits and when your employer provides you with a partial unemployment form (B-9) to complete and submit to the claims center.

    Paper claims can be mailed or faxed to one of the claim centers posted on the back page of the blue booklet that is mailed to you when you establish a new claim for benefits.

    Instructions for completing and mailing these applications are included with the forms. These forms are also available at your nearest CareerCenter.

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    File claim for unemployment

    File claim for unemployment

    File claim for unemployment

    Credits

    File claim for unemploymentFile claim for unemployment



    Unemployment Claims Filing, file claim for unemployment.#File #claim #for #unemployment


    file claim for unemployment

    This Department of Labor web portal is your central location to access unemployment claim history (including histories for the LIHEAP program), the Maine JobLink, the Maine CareerCenters and to file and manage your unemployment compensation claims, if applicable. You will need to create an account to access the portal.

    Welcome to a new, easier way to file

    A new unemployment insurance system is coming, planned with YOU in mind.

    ReEmployME (ME is pronounced Maine ) will give you faster access to your unemployment benefits information and an easier way to file.

    To access these services, you will need all of the following:

    • An active Department of Labor Portal account.
    • A Complete and Active registration on your State’s joblink system that is separate from your portal account.
    • Your Social Security Number.
    • If you would like to apply for additional benefits for any dependents, you will also need your spouse’s Social Security Number.
    • Your PIN (for current or recent filers).
    • If you are not a U.S. Citizen, your Alien Registration Number and Expiration Date.
    • Employment Information (for initial claims and weekly claims filings).

    Get Help

    • Answers to questions about filing unemployment claims in Maine.
    • Answers to questions about the Maine JobLink registration and use requirements when filing for unemployment.
    • Watch short videos that explain how to file for unemployment benefits, outline your rights and responsibilities, describe common mistakes and work search requirements and answer other common questions.
    • If you have a question about your unemployment claim that is not answered in the links above or on the videos about Maine’s unemployment system, contact the Department of Labor’s Bureau of Unemployment Compensation at 1-800-593-7660. TTY users dial Maine Relay 711.

    Tips for Using the Unemployment Web Portal

    1. You should only create one portal account. If you have already gone through the steps to open an account, be sure you have checked your email to activate your account by following the directions before starting to create an account again.
    2. The system will give you three tries to type in your correct email and password. After the third unsuccessful attempt, the system will lock you out for 24 hours. After two tries, click the link for either Forgot your email? or Forgot your password? and follow the directions. This will prevent your account from locking you out.
    3. Do not use a false email address. You MUST have access to a valid email address in order to activate your account by going to the email address that you used to create the portal account and then following directions to validate the account. The Department of Labor will not provide your email address to any third party.
    4. Each person filing for a portal account must have his or her own email address.
    5. A new portal account needs to be set up even if you have used the previous unemployment web claims system.
    6. Your Maine JobLink account is different than your unemployment web portal account, the JobLink login will not work on the web portal. Note, however, that your unemployment client ID will be the same in Maine JobLink.
    7. If you call for customer assistance, be sure to let the person who answers the phone know which account you are calling about to make sure you are speaking to the correct staff person who can help you. We may refer you to other staff.
    8. You may file an initial claim for unemployment benefits if you do not have a Maine JobLink account. If you do so, the information from your initial claim will be used to initiate an account on Maine JobLink. However, before filing a weekly claim for benefits, you must activate and complete your Maine JobLink account. If you reside outside of Maine, you must be registered with the state JobLink of the state where you reside.
    9. If you have used an account on the Department of Labor’s previous job board system, the Maine Job Bank, that account will have transferred to Maine JobLink. Information about accessing your account is here. You will need to log in, activate it and complete any missing information before filing a weekly claim. Be sure to include your Social Security Number before filing any unemployment claim (initial or re-opening a benefit year) so that the unemployment system can match your existing account and you will avoid the system creating a second account for you.
    10. Find answers to frequently asked questions about the Maine JobLink registration requirement at http://www.maine.gov/labor/unemployment/mjl.html.

    Having a technical problem with using this website that is unrelated to unemployment?

    • Find Answers to frequently asked questions about Internet browsers, cookies, using this site on mobile devices and other technical problems.

    Questions about this service? Contact the Department of Labor at 1-800-593-7660. TTY users dial Maine Relay 711.

    The Maine Department of Labor provides equal opportunity in employment and programs. Auxiliary aids and services are available to individuals with disabilities upon request.

    Account Sign In

    (If you have not accessed your unemployment claims account since February 4, 2015, you must create a new account using the orange “Create Account” button below.)



    File a Claim, Job Service North Dakota, file claim for unemployment.#File #claim #for #unemployment


    File a Claim

    To be eligible for unemployment benefits you must:

    • Have been separated from employment through no fault of your own or have had your hours reduced.
    • Be able to work.
    • Be available for work.
    • Be actively seeking employment.
    • Be found monetarily eligible – a claimant establishes monetary eligibility based on work performed during a specific one-year period called the base period.

    When should I file my claim?

    For unemployment insurance purposes the week begins on Sunday and ends on the following Saturday at midnight.

    • You should file your claim the week in which you become unemployed.
    • The effective date of your claim is the Sunday of the week it is filed.
    • Claims cannot be backdated to an earlier week so it is important to file as soon as possible after becoming unemployed.

    What information will I need to file my claim?

    Information you will need to have available when you file:

    • Your Social Security Number
    • Name, address and telephone number of all employers for whom you worked in the last 18 months or since last registering
    • Wage you are willing to accept
    • Union Local name and number
    • DD214 member copy 4 (proof of military service and wages)
    • SF8 and SF50 (proof of federal civilian service and wages)
    • Your alien identification number (non-U.S. citizen authorized to work in the U.S.)

    How do I file my claim?

    There are two ways to file your claim:

    • Online using Job Service North Dakota’s UI ICE internet site, or;
    • By telephone using our automated telephone system by calling (701) 328-4995

    Please note: The UI ICE internet application and the automated phone system are unavailable daily from 10:00 pm to midnight Central Time due to maintenance. Claims Center staff are available Monday through Friday 8:00 am to 5:00 pm Central Time.



    Establishing an Unemployment Claim, Vermont Department of Labor, file claim for unemployment.#File #claim #for #unemployment


    Primary Menu

    • Find a Job
    • File Unemployment Insurance Claim
    • Find Resource Center
    • Explore Occupations
    • Find Employer
    • Resume Writing Resources
    • Post Resume
    • File Appeal
    • Report Fraud
  • Workers
    • Get Free Mandatory Posters
    • Make my Workplace Safe
    • Find Worker’s Compensation Insurance Info
    • Find Unemployment Insurance Info
    • Access Workforce Training Programs
    • Find an Employee
    • Post a Job
    • Find Short Term Compensation Info
    • Find Resource Center
    • Find Regional Economic Data
    • Determine Employee vs. Independent Contractor
    • Appeal Decision
    • Set Up New Employer Tax Account
  • Compliance
    • Find Employee Rights
    • Find Prevailing Wages
    • Find Labor Statutes Decisions
    • Find Layoff Rules
    • Find Administrative Rules Regulations
    • Find Minimum Wage
    • Find Child Labor Laws
    • Determine Employee vs. Independent Contractor
  • Enforcement

    Establishing an Unemployment Claim

    File claim for unemploymentFile claim for unemployment

    Establishing a New Claim

    If you become unemployed and have worked in Vermont anytime in the past 18 months, you may be eligible to receive unemployment insurance.

    Once you become totally or partially unemployed, the time to establish a new claim is during the first week you work less than 35 hours.

    An unemployment compensation claim becomes effective when filed, so if you choose to wait to file your claim, then you may not go back to the date you first became unemployed.

    A Customer Service Representative is available to assist you with this process. A list of required information needed when you call is provided for your convenience.

    Currently the Claims Center hours are:

    Monday through Thursday 8:30am 4:00pm

    Friday 9:00am 4:00pm

    Call Toll-Free: 1-877-214-3330

    Persons with hearing impairment or TTY users may file their claim by calling the department directly. To reach a TTY Customer Service Representative, call: 1-800-650-4152

    After you have established your unemployment claim, you will be required to certify that you have read and understand your Responsibilities and Rights in the Claimant Handbook [PDF]

    To receive an unemployment check, it will be necessary for you to file weekly claims. Your Responsibilities and Rights, other important information and regulations is available in our Claimant Handbook [PDF], which will be mailed to you after establishing your unemployment claim.

    The following information will be required when you establish your unemployment claim for the first time. Having this information readily available when you call will help speed up the claims filing process.

    • Social Security Number
    • Mailing and Home Addresses
    • Telephone Number (including area code)
    • Alien Registration Number (if not a U.S. citizen)
    • Amount and duration of any separation pay you may receive (vacation pay, severance pay, etc.)
    • Return to work date (if you expect to be recalled to your job)
    • Valid Driver s License Number (or state issued ID Number, if applicable)
    • Banking information for Direct Deposit of your unemployment check [PDF]
    • Military Form DD-214, Member 4 Copy (if you were in the military in the past 18 months)
    • Form SF-8 (if you worked for the Federal Government during the past 18 months and received one)

    For each employer that you worked for in the past 18 months, have the following information available when you call:

    • Complete name and address of each employer (including zip code) you worked for
    • Payroll address (if different from employer address)
    • Employer telephone number (including area code)
    • Beginning and ending dates of employment
    • Reason for separation


  • File Your Montana Unemployment Insurance Claim, file claim for unemployment.#File #claim #for #unemployment


    File Your Montana Unemployment Insurance Claim

    UI4U is the hosting website of “The Montana Department of Labor Industry”, which stands in that Unemployment Insurance seeing you . In this site you may queue an unemployment claim, reactivate claim, concatenation a charge request, fulfill unraveling seeing administer deposit, or quiz a legality. You care further this website to help your peculiar enlightenment through necessary. Not organic claims incubus holds office complete on-line. Once you accept signed diversion the service, if your acquit cannot serve as finished on-line you entrust sell for liable method to practice the Claims Processing core now support sway filing your claim.

    • Remind your telephone number and current residential address in your mind.
    • Social security number and complete personal and contact information is required here.
    • Go for the online access on this link ui4u.mt.gov by hitting on it.
    • In center of the page “Start ” link is present to pass the user over the insurance claim process easily.
    • Start providing details here first enter SSN and then date of birth in the boxes and click on “Continue” button.
    • After that enter your login information here then enter your PIN form the IVR or UI4U.
    • Complete the registration process after that login to your account and go to the main menu of your account panel
    • Here you will notice lots of services options, but move your cursor towards “File A Claim”.
    • Start filling it and give your personal details accurately and answers initial inquiry of the unemployment to fill the form here.
    • Finish after completing the file claim process!
    • For more inquires follow up this link app.mt.gov/ui4u/instruct.html#gettingStarted .
    • Don’t put wrong details otherwise you will be rejected for this process.
    • Mother maiden ,PIN number are required for your personal identity detection.

    It is corporation to operate a style which provides economical make clear economic support to eligible duo from cash financed by employers. This custom not lone lightens the millstone of unemployment upon the hand further the worker s family, but also helps characteristic communities sustain an uninterrupted workforce again economy.



    Access Montana To File Unemployment Insurance Claim, file claim for unemployment.#File #claim #for #unemployment


    Access Montana To File Unemployment Insurance Claim

    Unemployment Insurance policy (UI) is a federal-state system developed in the 1930 s after the Great Depressive disorders. This policy is exactly as the name indicates insurance. This policy administration is funded through a government paycheck tax compensated by companies.

    Its advantages reduce the pressure of unemployment for the jobless individual, maintain purchasing power in the community, and allow fired workers to remain in the area so they will be available for re-employment. The system balances the local and condition economic system by avoiding a distinct drop in consumer spending during times of unemployment. Its advantages are compensated with Mt Company’s efforts.

    • IVR or UI4U number is required.
    • SSN and PIN number is essential for the employees.

    How To File Claim?

    • First of all make sure that you have internet connection to get this site view ui4u.mt.gov .
    • On the homepage you will see the button “Start” click on it, the page will be directed towards the page where you will get access the claiming process online.
    • Online form will be show where you have to enter your social security number and also date of birth and then click on “Continue” button.
    • Now you have to login into account by putting PIN and IVR or UI4U into the respective boxes.
    • After pressing navigational button you need to complete the registration process till end.
    • After accessing account you have to enter into account and click on “File Claim” button.
    • Now provide them your personal data and initial inquiry of unemployment details accurately.
    • Go through by all steps that are necessary and click on Finish at the end
    • For claiming unemployment file you can get this service free of cost.
    • You can claim for your benefits by the government and can get financial help

    The Claim Handling Institution is responsible for getting new and reopened claims for all programs of unemployment insurance and solving non-monetary and company asking for issues. The facilities in Billings and Helena are manned with five claims processing groups and do most of their claim dealing with the internet or telephone.



    Medicare address for claims, medicare address for claims.#Medicare #address #for #claims


    Medicare/Medicaid Crossover Claims

    If the information provided below does not answer your question, please call the TennCare Cross-Over Claims Provider Hotline at: 1-800-852-2683.

    Per Federal Regulations, as defined in 42CFR 455.410(b) . All Providers reported on Medicaid/TennCare claims, whether the provider is a Billing or Secondary provider must be registered as a TennCare provider. Please be advised that electronic claims containing providers who are not registered will be denied and paper claims will be returned unprocessed to the submitter.

    Crossover Claim Pricing Methodology: For Part A, rates obtained from the Medicaid State Plan less Medicare paid amount and TPL. For Part B, rates obtained from applying the logic outlined in Rule 1200-13-17.

    All claims must be submitted on a CMS approved claim form.

    UB 04 (Institutional) Claim Form

    Helpful hints to avoid errors that cause delays when paper claims are submitted for processing.

    • When submitting paper claim, submit original claim form for processing.
    • A copy of the Medicare EOB (and TPL EOB if applicable) is required. Claims received without a Medicare EOB will not be processed and returned to the provider.

    Helpful reminders to avoid errors and delays when submitting a paper claim. (see National Uniform Claim Committee (NUCC) instruction manual )

    • A copy of the Medicare EOB (and TPL EOB if applicable) is required. Claims received without a Medicare EOB will not be processed and returned to the provider.
    • Form locator 17 b – NPI Only/ Blank- Please do not report any Medicaid Provider Numbers and/or UPIN numbers.
    • Form locator 24 J – NPI Only/ Blank- Please do not report any Medicaid Provider Numbers and/or UPIN numbers.
    • Form Locator 32 – Service Facility Location
      • 32 a – Enter the NPI #.
      • 32 b – Enter the two digit qualifier identifying the non-NPI number followed by the ID number.
    • Form Locator 33 – Billing provider Info and phone number
      • 33 a – Enter NPI of the billing provider.
      • 33 b – Enter the two digit qualifier identifying the non – NPI number followed by the ID #.
    • NOTICE: This is to certify that the foregoing information is true, accurate, and complete. I understand that payment and satisfaction of this claim will be from Federal and State funds, and that any false claims, statements, or documents, or concealment of a material fact, may be prosecuted under applicable Federal and State laws. Sample Form

    Adjustment/Void Forms

    Adjustment/Void Forms are for use when either changes to a paid claim are required or when it is necessary to void a paid claim PLEASE NOTE: Denied claims cannot be adjusted or voided.

    Instructions on how to fill out an Adjustment/Void Form are located on the second page/back of the Adjustment Form

    Adjustment Form for Medicare/Medicaid claims



    Establishing an Unemployment Claim, Vermont Department of Labor, file a claim for unemployment.#File #a #claim #for #unemployment


    Primary Menu

    • Find a Job
    • File Unemployment Insurance Claim
    • Find Resource Center
    • Explore Occupations
    • Find Employer
    • Resume Writing Resources
    • Post Resume
    • File Appeal
    • Report Fraud
  • Workers
    • Get Free Mandatory Posters
    • Make my Workplace Safe
    • Find Worker’s Compensation Insurance Info
    • Find Unemployment Insurance Info
    • Access Workforce Training Programs
    • Find an Employee
    • Post a Job
    • Find Short Term Compensation Info
    • Find Resource Center
    • Find Regional Economic Data
    • Determine Employee vs. Independent Contractor
    • Appeal Decision
    • Set Up New Employer Tax Account
  • Compliance
    • Find Employee Rights
    • Find Prevailing Wages
    • Find Labor Statutes Decisions
    • Find Layoff Rules
    • Find Administrative Rules Regulations
    • Find Minimum Wage
    • Find Child Labor Laws
    • Determine Employee vs. Independent Contractor
  • Enforcement

    Establishing an Unemployment Claim

    File a claim for unemploymentFile a claim for unemployment

    Establishing a New Claim

    If you become unemployed and have worked in Vermont anytime in the past 18 months, you may be eligible to receive unemployment insurance.

    Once you become totally or partially unemployed, the time to establish a new claim is during the first week you work less than 35 hours.

    An unemployment compensation claim becomes effective when filed, so if you choose to wait to file your claim, then you may not go back to the date you first became unemployed.

    A Customer Service Representative is available to assist you with this process. A list of required information needed when you call is provided for your convenience.

    Currently the Claims Center hours are:

    Monday through Thursday 8:30am 4:00pm

    Friday 9:00am 4:00pm

    Call Toll-Free: 1-877-214-3330

    Persons with hearing impairment or TTY users may file their claim by calling the department directly. To reach a TTY Customer Service Representative, call: 1-800-650-4152

    After you have established your unemployment claim, you will be required to certify that you have read and understand your Responsibilities and Rights in the Claimant Handbook [PDF]

    To receive an unemployment check, it will be necessary for you to file weekly claims. Your Responsibilities and Rights, other important information and regulations is available in our Claimant Handbook [PDF], which will be mailed to you after establishing your unemployment claim.

    The following information will be required when you establish your unemployment claim for the first time. Having this information readily available when you call will help speed up the claims filing process.

    • Social Security Number
    • Mailing and Home Addresses
    • Telephone Number (including area code)
    • Alien Registration Number (if not a U.S. citizen)
    • Amount and duration of any separation pay you may receive (vacation pay, severance pay, etc.)
    • Return to work date (if you expect to be recalled to your job)
    • Valid Driver s License Number (or state issued ID Number, if applicable)
    • Banking information for Direct Deposit of your unemployment check [PDF]
    • Military Form DD-214, Member 4 Copy (if you were in the military in the past 18 months)
    • Form SF-8 (if you worked for the Federal Government during the past 18 months and received one)

    For each employer that you worked for in the past 18 months, have the following information available when you call:

    • Complete name and address of each employer (including zip code) you worked for
    • Payroll address (if different from employer address)
    • Employer telephone number (including area code)
    • Beginning and ending dates of employment
    • Reason for separation


  • Access Montana To File Unemployment Insurance Claim, file a claim for unemployment.#File #a #claim #for #unemployment


    Access Montana To File Unemployment Insurance Claim

    Unemployment Insurance policy (UI) is a federal-state system developed in the 1930 s after the Great Depressive disorders. This policy is exactly as the name indicates insurance. This policy administration is funded through a government paycheck tax compensated by companies.

    Its advantages reduce the pressure of unemployment for the jobless individual, maintain purchasing power in the community, and allow fired workers to remain in the area so they will be available for re-employment. The system balances the local and condition economic system by avoiding a distinct drop in consumer spending during times of unemployment. Its advantages are compensated with Mt Company’s efforts.

    • IVR or UI4U number is required.
    • SSN and PIN number is essential for the employees.

    How To File Claim?

    • First of all make sure that you have internet connection to get this site view ui4u.mt.gov .
    • On the homepage you will see the button “Start” click on it, the page will be directed towards the page where you will get access the claiming process online.
    • Online form will be show where you have to enter your social security number and also date of birth and then click on “Continue” button.
    • Now you have to login into account by putting PIN and IVR or UI4U into the respective boxes.
    • After pressing navigational button you need to complete the registration process till end.
    • After accessing account you have to enter into account and click on “File Claim” button.
    • Now provide them your personal data and initial inquiry of unemployment details accurately.
    • Go through by all steps that are necessary and click on Finish at the end
    • For claiming unemployment file you can get this service free of cost.
    • You can claim for your benefits by the government and can get financial help

    The Claim Handling Institution is responsible for getting new and reopened claims for all programs of unemployment insurance and solving non-monetary and company asking for issues. The facilities in Billings and Helena are manned with five claims processing groups and do most of their claim dealing with the internet or telephone.



    Filing a Claim, file a claim for unemployment.#File #a #claim #for #unemployment


    Filing a Claim – The Claim Process

    This section provides a step-by-step summary of the Unemployment Insurance (UI) claim process.

    1. Employers may provide a copy of the booklet, For Your Benefit: California s Programs for the Unemployed (DE 2320) to employees who are unemployed. The UI Code, Section 1089 requires employers to provide the booklet.
    2. The individual files a claim for UI benefits using one of the following methods:
      • Access eApply4UI:

    Answers to questions are entered online. After the application is completed the individual submits it online to the Department. Note: This is the fastest way to file your claim.

  • Contact EDD by phone:

    Individuals will speak to a Department representative who will ask a series of questions and record the responses.

  • Complete a paper UI Application, DE 1101I:

    The application can be completed online and printed, or it can be printed and completed by hand. The application can then be faxed or mailed to the EDD for processing using the fax number or mailing address on the application.

  • Note: To reopen an existing claim, use UI Online SM , the fastest and most intuitive way to reopen your claim. Access your UI Online account and select Reopen Your Claim and answer all of the questions.

  • The Department representative files the claim and the following documents are mailed:

    * Unless the claimant is participating in a Partial or Work Sharing Program.

    • Notice of Unemployment Insurance Claim Filed (DE 1101CZ)

    For more information about the UI claim filing process, review the following web pages:

    • Need More Information: Lists the items and information you should have available in order to start filing your claim.
    • After You’ve Filed – Phone Interview: Provides information about what you can expect when the EDD conducts an interview about eligibility issues.
    • Contact UI: Provides contact information for the UI program, such as toll-free phone numbers and other contact information.
    • UI Frequently Asked Questions: Frequently asked questions about the Unemployment Insurance Program.


  • Thompsons Personal Injury Solicitors Scotland, how to claim for whiplash.#How #to #claim #for #whiplash


    Personal injury solicitors in Scotland seeking justice for you

    We are a leading firm of accident claim lawyers – professional, friendly and dedicated to achieving the best outcome for you.

    We believe that we have achieved this reputation through our passion for justice and our determination to always recover the maximum compensation that our clients are entitled to. If you need a lawyer for accident compensation advice, and ask us to help, we will do our utmost to achieve the best result for you.

    How to claim for whiplash

    Whiplash and RTA claims

    Whiplash and RTA claims

    Whether you have suffered a relatively minor whiplash neck injury or a car accident has resulted in severe life-altering injuries, our personal injury solicitors are here to listen, advise and represent you throughout your claim.

    How to claim for whiplash

    Lung disease and asbestos-related conditions

    Lung disease and asbestos-related conditions

    Scotland’s heritage of heavy industry has left a legacy of industrial diseases such as asbestosis and mesothelioma. If you have been exposed to.

    How to claim for whiplash

    Accidents at work

    Accidents at work

    Whether it’s a fall from height, an electrical accident, ill health caused by work or any work-related issue which has caused you pain and suffering and/or financial loss, Thompsons Solicitors in Scotland can help. Our team is extremely experienced and.

    How to claim for whiplash

    Medical product claims and clinical negligence

    Medical product claims and clinical negligence

    If you have received a defective medical product or the care and treatment you have received from healthcare professionals has been negligent, then.

    How to claim for whiplash

    No win no fee

    No win no fee

    We remove the worry from making a claim with our No Win No Fee Solicitors package which guarantees that you will receive maximum compensation with no hidden costs, no upfront outlay, just expert personal injury legal advice and representation.



    Unemployment Insurance – Filing Weekly or Bi-Weekly Claim Certifications, weekly claim for unemployment.#Weekly #claim #for #unemployment


    Unemployment Insurance

    How Do I File My Weekly or Bi-Weekly Claim Certifications?

    File your weekly or bi-weekly claim certifications online at http://uiclaims.hawaii.gov. If you do not have Internet connection, go to your local claims office to use the computer kiosks or visit any public library and request to use their Internet computers to access the UI claims filing Web site.

    What Weekending Date(s) Do I File For?

    Unless otherwise specified, a “week” means a calendar week that starts on Sunday and ends on Saturday. A week claimed is referred to by the week ending date or the Saturday of that week.

    Once you file a new claim or reactivate an unexpired claim, you must certify weekly or biweekly to request UI payments. Your confirmation page or e-mail confirmation will have a link to download your weekly/biweekly filing schedule. Check the “Claim Inquiry” feature or “My Claim Status” to verify your prior claim certification(s) and when the claim certification(s) are due. Record your claim certifications filed and payments on a calendar.

    Note: If you stop filing claims for two or more consecutive weeks, you must reactivate your claim to resume filing (exception: partial claims). Only claims filed after the reactivation are properly filed so any prior weeks may be denied. (See Additional Claim or Reopened Claim.)

    For weekly filing, you certify for the past Sunday to Saturday period. The claim must be filed within seven days from the end of the certification period or benefits may be denied for late filing.

    Example A: You are filing for the one week period ending on Saturday, 8/23 (week began on Sunday, 8/17). You have seven days, 8/24 through 8/30 (shown in gray) to timely file your claim certification.

    Weekly claim for unemployment

    When filing biweekly, you are certifying for the prior two weeks that started on Sunday in the first week and ends on Saturday in the second week. The claim must be filed within seven days from the end of the two week period or benefits may be denied for late filing.

    Example B: You are filing for the two-week period from Sunday, 8/10 thru Saturday, 8/23. You have seven days, 8/24 through 8/30 (shown in gray) to timely file your bi-weekly claim certification.

    Weekly claim for unemployment

    IMPORTANT: When you file for a bi-weekly period, you must file for each week separately. You should start with the first week, answer all questions relating to the first week, and submit. Continue the same process for the second week. You must file for both the first week and the second week to get paid for two weeks.



    WorkForce West Virginia – Filing an Initial Claim, weekly claim for unemployment.#Weekly #claim #for #unemployment


    Steps to File an Initial Claim and General Information

    You must file your Initial Unemployment Compensation Application online at uc.workforcewv.org and select the radio button “To file a new/additional Initial Unemployment Claim”.

    If you receive a Low Earnings Report from your employer, you may file the form either in person or by mailing the form to the nearest unemployment claims office. A list of the local offices can be found here: click https://uc.workforcewv.org/Contact.aspx. The form must be filed within ten days of receipt or you may lose credit for any weeks you were off work.

    If I live outside of West Virginia, how do I file my claim?

    There are two ways you can file. You may call the toll free number, 1-800-379-1032, select Option 6, then select Option 1 for a new claim OR you may also file on the Internet by accessing our website at uc.workforcewv.org. Telephone claims are taken Tuesday and Wednesday between 9:00 a.m. and 12:00 p.m., Eastern Standard Time.

    How much money can I receive?

    Click https://uc.workforcewv.org/Consumer/Login.aspx?app=el to receive an estimate of your weekly benefit amount based on West Virginia wages reported to the Unemployment Division. Please be aware that this figure is only an estimate and may not be exact. It does not include out-of-state wages, military wages, or federal wages

    How is my payment amount determined?

    Your weekly benefit amount is based on the total covered wages you were paid during your base period. You must have been paid wages of at least $2,200 in covered employment during your base period and must have been paid wages in at least two quarters of your base period to be monetarily eligible to receive unemployment compensation benefits. The regular base period consists of the first four of the last five completed calendar quarters before the starting date of your new claim. If you are not monetarily eligible during the regular base period, we would then explore the alternate base period to assist you in possibly becoming monetarily eligible.

    What type of claim could I be eligible for?

    Regular/total unemployment—you are totally unemployed when you are completely separated from employment, earning no wages and performing no services.

    Low earnings/partial unemployment—you are partially unemployed if you were hired as a full-time employee but your regular hours and earnings are reduced due to lack of work. You are on the employer’s payroll, but that employer cannot give you full-time work. Your employer may issue you a Low Earnings Report while your work hours are reduced.

    Could I be denied?

    When you file your unemployment compensation claim, we will gather the needed facts. Any time an issue is raised that might affect your right to receive benefits, we are required to investigate and issue a formal decision. This is a written notice that describes the issue, the facts we gathered, and our reason for concluding that you are (or are not) eligible to receive benefits. You have the right to appeal any decision with which you do not agree. It is in your best interest to file your claim and allow us to determine whether an issue exists.

    What documents do I need to file my claim?

    Although your initial application was made by phone or internet, to protect your identity, you may be asked to provide your Social Security card and a photo ID (such as a valid driver’s license) for verification purposes. Make sure you have these items available and can provide them upon request. If you are not a citizen of the United States, you will be asked to supply government issued documentation showing your work status. Your document must include an identification number, the name of the agency that issued the document, and an expiration date.

    You will be asked to complete an Initial Unemployment Compensation Application, wherein you will provide the business names and complete mailing addresses for all employers for whom you worked during the last 18 months, along with the dates of employment and reason for separation from each employer.

    If you were separated from the following entities, you will be asked to provide the following forms:

    • Military: DD-214 form, the number four (4) copy
    • Federal government: SF-8 form (separation notice)
    • Federal Emergency Management Agency (FEMA): SF-8 form and SF-50 form.

    Is there a waiting period involved?

    There is a one-week unpaid waiting period during a claim year. You cannot serve the waiting period before you apply for a claim.



    MDOL: How to File for Unemployment, weekly claim for unemployment.#Weekly #claim #for #unemployment


    How to File Unemployment Benefits

    When you apply, you will need to have the following information available:

    • Your Social Security Number or Alien Registration Number;
    • The business name, address and telephone number of each place you worked at during the past 18 months; and
    • The jobs you held and the dates you worked (for each employer).

    Veterans who separated from the armed forces in the past 18 months will need to provide information from your DD-214. Federal civilian employees will need to provide information from your SF-8 or SF-50.

    Once you have filed your claim, you will receive the Benefits Rights Booklet and weekly claim forms in the mail.

    Filing Online

    You can file online from any computer connected to the internet. If you don’t have a computer at home, you can use computers at the CareerCenter or at many local libraries.

    The website portal allows individuals to create an online unemployment account; manage their profile, including editing contact information, username, password, PIN number and security reset questions/answers; and access a forgotten PIN, username, or password using security questions/answers. Current unemployment claimants can view and print heir benefit history transcripts, view their claim status, manage the direct deposit of their benefit payment, reopen an existing account or file a weekly unemployment claim. New users can access the Maine Job Bank, mainecareercenter.com and file an initial unemployment claim. Users can obtain benefit history transcript, often needed when applying for services from other agencies, for example, LiHeap.

    Frequently Asked Questions for Claimants

    Filing by Phone

    Call the Unemployment Claims Center toll-free at: 1-800-593-7660 or TTY: Maine relay 711. If you need interpreter services, press the number 1 once you are connected to the Claims Center and tell the Claims Representative what language you speak.

    Claims Center Wait Times: During periods of high call volumes, you may have a long wait time on the phone or get a message to call back later in the day. We apologize for the inconvenience. Wait times are typically shorter on Wednesdays and Thursdays and in the afternoon.

    If you do not have a phone at home, you can call from your nearest CareerCenter.

    Filing by Mail:

    To establish a new claim for unemployment (Initial claim) the quickest and most complete method is to file on the internet at www.file4ui.com. You will need to create your own web portal account and complete the initial claim process. The web portal provides a number of self-service options for you to manage your account.

    After you have established a new claim you must file weekly claims for unemployment for each week that you wish to file for benefits. You can file weekly claims on the internet through your web portal account. You may also file weekly claims on the telephone by calling 1-800-593-7660 and selecting the option to file weekly claims.

    Under certain conditions, you may be required to complete a weekly paper claim. Paper claims are required for Dislocated Worker Benefits, WorkShare, Trade, Extended Benefits and when your employer provides you with a partial unemployment form (B-9) to complete and submit to the claims center.

    Paper claims can be mailed or faxed to one of the claim centers posted on the back page of the blue booklet that is mailed to you when you establish a new claim for benefits.

    Instructions for completing and mailing these applications are included with the forms. These forms are also available at your nearest CareerCenter.

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    Weekly claim for unemployment

    Weekly claim for unemployment

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    Claim Your Weeks – Florida Unemployment Weekly Claim, weekly claim for unemployment.#Weekly #claim #for #unemployment


    Fluidnow.com Claim Your Weeks – Florida Unemployment Weekly Claim

    FLUID is the state of Florida s online unemployment program, which allows workers who have lost a job to apply for and receive compensation for a set number of weeks. If you have lost your job through no fault of your own, you can apply for and will likely receive benefits through the FLUID program. The amount of money you will receive each unemployment claim week will vary, depending on how much money you have earned at your current position. As of 2011, you will receive between $32 and $275 per unemployment claim week. The only way to receive unemployment benefits through the FLUID system is to file an initial claim, and then file for each of the claim weeks you are unemployed. You can apply for unemployment in Florida online, using the online FLUID system.

    File an initial claim

    To begin receiving unemployment compensation from the state of Florida, you will need to file an initial claim. Visit the FLUID online system and fill out the requested information. You will need to provide your personal information, including your name, address and social security number. You will also need to supply the name and address of your employer and information about the amount of time you worked and the income you have earned. You can find most of your employer information on your paystub. Allow about an hour to file your initial FLUID claim.

    After your initial claim is filed, you will receive an email confirmation from the state, letting you know your claim is being processed. As of 2011, Florida also requires applicants to complete an online skills review, which covers basic reading and math skills and will take about an hour to finish. Upon completion of the skills review, your claim will be processed and your benefits will begin. It may take up to four weeks to receive your first unemployment payment, but you must file FLUIDnow claim weeks on time to be sure you receive a payment each week.

    Claim each week

    Every week you are unemployed, you will need to file a FLUID benefit claim. You can file for your FLUIDnow claim weeks any day of the week; you will need to make a new claim every two weeks to ensure that you continue receiving unemployment benefits.

    To make your weekly Fluid claim, you will need to log into the FLUID system and complete a short form that confirms that you were looking for work and that you were available for work. As long as you are actively seeking work and are available to work when a position becomes available, you will continue to receive unemployment benefits for the duration of your approved period. The only way to receive unemployment benefits is to file a weekly FLUID claim; it is essential to file your claim each time you are supposed to. Delays in completing the weekly FLUID claim will cause payment delays as well.

    Eligibility

    Your eligibility to receive unemployment compensation will be determined after your initial claim is filed. You will also need to confirm your availability and willingness to work as part of your weekly claims to continue to be eligible for benefits.

    In most cases, you will be approved for unemployment in Florida, provided that you worked for enough weeks in the period before you lost your job, you earned enough income in that job, and you lost your job through no fault of your own. Getting fired for a reason, or simply quitting your job may mean you are not eligible for unemployment. If you are in doubt, file a claim with the online FLUID system to be sure.

    Appeals

    If you have submitted an application to the FLUID program, but have been declined, you may file an appeal. You will likely need to provide an appeal, offering more detailed information about your job and the reason you left, and may need to attend an in person interview to determine your eligibility.



    The symptoms of whiplash and how to claim compensation for an injury in the UK – Mirror Online, how to claim for whiplash.#How #to #claim #for #whiplash


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

    Whiplash is suffered by hundreds of road accident victims every single day. If it happens to you, the law says you are entitled compensation

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    • Comments
    • 09:40, 24 OCT 2017
    • Updated 09:43, 24 OCT 2017
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    Whiplash is suffered by hundreds of road accident victims every single day. If it happens to you, the law says you are entitled compensation

    Many of us don’t 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 go away.

    What is whiplash?

    Whiplash is often referred to as a neck sprain or neck strain. It is an injury to the soft tissues of the neck and back and is defined as an injury caused by a severe jerk to the head, typically in a car accident. It’s common in urban traffic accidents, and while symptoms can take 6-12 hours to develop, they could keep getting worse for several days.

    What is the most common cause of whiplash?

    The most common cause of whiplash is a rear shunt car accident where one vehicle runs into the back of another. Whiplash can occur at an accident of any speed, and even happen at speeds as low as 5 to 8.

    Greater injury can occur if a person’s head is turned at the time of impact or if they are surprised and unprepared for the collision. A history of neck injury may also contribute to increased whiplash pain. The amount of pain a person suffers after an accident is complicated by that individual’s susceptibility to injury-which can be difficult to predict.

    How to claim for whiplash

    What are the symptoms?

    • Stiffness in the neck- soreness and difficulty moving the neck, especially when trying to turn the head to the side.
    • Blurred vision- a lack of sharpness of vision resulting in the inability to see fine detail.
    • Headaches- a tightening around the head and neck, followed by aches.
    • Lower back pain- any pain between the bottom of your ribcage down to the top of your legs.
    • Dizziness- a sensation of spinning and losing one’s balance.
    • Ringing in the ears (tinnitus)
    • Sleep disturbances
    • Irritability
    • Tingling or numbness in the arms
    • Difficulty concentrating

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

    How to treat whiplash?

    If you’ve been injured, you should seek the advice of a medical professional. Most whiplash symptoms of the back and neck can be treated with ‘over the counter’ painkillers and ice to reduce pain, swelling, and muscle spasms.

    How to claim for whiplash

    How long does whiplash last?

    Whiplash generally only lasts a few days, but can last more than a year in severe cases.

    Read More

    Personal injury claims

    How to claim for whiplash

    How to claim for whiplash

    How to claim for whiplash

    How to claim for whiplash

    Can whiplash come back?

    Like any injury, whiplash pain can reoccur. However, with the right treatment and care you should expect to make a full and permanent recovery.

    What is the average whiplash payout?

    There are many factors which are taken into account when whiplash compensation is being calculated.

    Looking to claim?

    If you want to know how Accident Advice Helpline can help you, click here to see how to start your personal injury claim or call:



    How to Claim Compensation for Whiplash (with Pictures), how to claim for whiplash.#How #to #claim #for #whiplash


    How to Claim Compensation for Whiplash

    Whiplash is the most common form of injury that follows an automobile accident. A whiplash injury refers to severe muscle strains in the neck and shoulder region. However, if you have been inflicted with such an injury due to the negligent driving of someone else, then it is necessary that you claim compensation for whiplash against the negligent driver. A claim will cover your current medical expenses, as well as your future medical treatment.

    Steps Edit

    Part One of Eight:

    Preserving Your Claim for Compensation Edit

    How to claim for whiplash

    How to claim for whiplash

    How to claim for whiplash

    How to claim for whiplash

    How to claim for whiplash

    How to claim for whiplash

    How to claim for whiplash

    Part Two of Eight:

    Documenting Your Injuries Edit

    How to claim for whiplash

    How to claim for whiplash

    How to claim for whiplash

    How to claim for whiplash

    How to claim for whiplash

    Part Three of Eight:

    Filing a Claim with an Insurance Company Edit

    How to claim for whiplash

    How to claim for whiplash

    How to claim for whiplash

    How to claim for whiplash

    How to claim for whiplash

    How to claim for whiplash

    How to claim for whiplash

    How to claim for whiplash

    Part Four of Eight:

    Hiring an Attorney Edit

    How to claim for whiplash

    How to claim for whiplash

    How to claim for whiplash

    How to claim for whiplash



    Quit Claim Deed Information, quick claim deed for property.#Quick #claim #deed #for #property


    Quit Claim Deed Information

    A quitclaim deed is often incorrectly referred to as a Quick Claim Deed. The confusion comes from the fact that quit and quick sound so much alike and.

    Certain life events, like marriage and divorce, bring on name changes. When real estate is owned by a person who is changing their name it is good ide.

    The divorce is a most heart rendering and difficult time for both the husband and wife and it brings with a whole lot of complications when the relati.

    An unrecorded quit claim deed is still valid. While there is no time limit on recording a deed or recording required for a quit claim deed to be valid.

    A timeshare is an ownership interest in a property and that interest can be transferred to another person with a quitclaim deed. It is common to ha.

    Every divorce procedure entails the involvement of a massive amount of paperwork and if it concerns property and its division, then there is another p.

    Use of quitclaim deed during a divorce is very common – if a married couple who jointly own a property are in the process of divorce one spouse can qu.

    A quitclaim deed is considered “executed” when the Grantor signs the deed AND the grantee accepts delivery of the deed. Each state has their own laws .

    Divorce is tough enough by itself and even worse when real estate is involved. It is important to try and not let the emotional process get in the way.

    If You Need To Add, Change Or Delete A Name: This can only be done by recording a new deed showing the change. Many people think they can simply go.

    When a Quit Claim Deed is Deemed Recorded Generally, a Quit Claim Deed is recorded when it is duly acknowledged or verified and deposited in the .

    It’s best to be First in the “Race Recording” Because of the recording of instruments of conveyance or encumbrance/lien, purchasers (and others dea.

    Principles of Acknowledgment on a Quit Claim Deed Transaction Based – The signer’s acknowledgment references a Quit Claim Deed Document that is re.

    Both a Quit Claim Deed and a Warranty Deed are legal documents used to transfer property rights. A quit claim deed transfers only the interest in a.

    Yes. A Limited Liability Company (LLC) is a business entity that can own real estate. A quit claim deed can be used to transfer the title, and effecti.

    What Does Conveyance of Property mean? A “conveyance” is the transfer of an interest in real property from one person to another. The moment that .

    Adding A Spouse To Your Real Estate Title After Marriage: Before the Marriage one person most likely has sole ownership of a house. After the marri.

    Definitions and meaning of different kinds of ownership when filling in a Quit Claim Deed. As a property or homeowner, your Quit Claim Deed can def.

    A quit claim deed is a very useful legal document, however, there are times when a quit claim deed should not be used. For example: If you are pur.

    There are certain requirements and some can vary state to state, but those can be found by calling Your County Clerk’s Office. The Contact Informat.

    A Quit Claim Deed is commonly used in a Divorce. It works well to release one persons Property rights over to the other spouse. A Quit Claim Deed is.

    When a Title Company checks a title to insure it is legitimate and unencumbered occasionally a Cloud will show up. A cloud is any sort of unreleased .

    In Most States a Quit Claim Deed is still binding even if it has not been recorded. There are many reasons that make it prudent to record. When a Q.

    It is very common to use a quit claim deed during a divorce. Generally in a divorce one party to the divorce is going to retain the property. A quit c.



    Quit Claim Deed VS Warranty Deed: What – s the Difference, quick claim deed for property.#Quick #claim #deed #for #property


    Quit Claim Deed VS Warranty Deed: What’s the Difference?

    Quick claim deed for property

    A Quit Claim Deed Does About EVERYTHING That A Warranty Deed Does

    The concern is that if a quit claim deed is obtained, that the new owner will somehow have “less than full ownership.” This is not true.

    A quit claim deed, like the other deed types, transfers any and all interest in the subject property, from the person signing the deed (the grantor) to the person receiving the deed (grantee).

    The Quit Claim Deed

    While all deeds transfer any valid interest from the grantor to the grantee, a quit claim deed comes with no warranty of any kind. The grantor is giving the grantee any interest he may have. However the grantor is NOT saying:

    -That he necessarily owns ALL the interest in the property (there may be additional owners so you’re only getting a partial interest)

    -That there are no liens and encumbrances against the property

    -That the grantor actually even owns ANY of the property.

    You’re simply getting whatever the grantor’s interest is, if any, without any guarantees. A quitclaim deed is fine if you’ve determined on your own that the seller does indeed own the entire property (or that you have all sellers present who need to sign), and that the property is free of liens.

    Special Warranty Deed

    This is often given by corporations and other entities, especially after getting a property back from a foreclosure. The corporation warrants that it has compete interest in the property and that there are no existing liens DURING THE TIME THEY OWNED IT ONLY.

    They do not guarantee the property in any way for the time before they purchased it. However, the title company will investigate title to its satisfaction and will not insure it unless it is clean.

    Warranty Deed

    This is most often given in typical real estate transactions between two owners who are getting title insurance, and probably a mortgage on the property in the case of the buyer.

    The seller warrants the property against liens and incomplete ownership since the beginning of time. However, the seller’s financial ability to make this warranty isn’t typically an issue because of the title insurance being given.

    Why Quit Claim Deeds are Best For DeedGrabbing

    We get a quit claim deed when we give the seller a token payment to take over their unwanted property prior to the tax sale. Why? It’s unreasonable for an owner to warrant the property for ANY amount with such a low payment.

    Many times the seller will even tell us about potential liens, so it would make no sense to give a warranty that there are no liens.

    We need to satisfy ourselves that we’re getting the entire interest in the property, and that there are no liens, or the liens are known and acceptable. At this point, a quit claim deed is all that’s necessary for us to take over.



    How to Prepare – Record a Quit Claim Deed, Home Guides, SF Gate, quick claim deed for property.#Quick #claim #deed #for #property


    How to Prepare Record a Quit Claim Deed

    Quick claim deed for property

    A quit claim deed is a quick way to transfer ownership of property.

    Quit claim deeds are used to quickly transfer ownership of real property from one person to another. These deeds typically do not guarantee that the title to the real estate, or the history of past ownership, is correct, and do not address all liens or other issues affecting the property. This means the grantor, or giver, of the deed is not promising the property is free of all legal problems that may arise the next time the real estate is sold. Quit claim deeds are generally used in situations where the transfer is a gift, or when a couple divorces and one person takes sole ownership of jointly owned real estate.

    Obtain the proper form. You can obtain a blank deed form at a legal form website or from your local legal document print shop. Quit claim deeds in California must contain specific phrases. General wording includes “forever quit claim” and the “release” of the property. Wording in the deed is important, as a change in wording can alter the type of deed being prepared.

    Obtain the legal description of the property. A legal description is a paragraph that describes property measurements in legal real estate documents. If you have the current deed to the property, you may be able to use the description from the document if nothing has changed. You can go the recorder’s office in the municipality where the property is located to get a copy of the deed, if needed.

    Type or write all the information on the blank deed. The existing owner on title files the quitclaim and is the only person required to sign it. Be sure to spell all names correctly, and insert your legal description. The grantor, or the person who is transferring the ownership of the property, must sign this document in front of a qualified notary.

    Insert any special clauses. You need to note any conditions of, or specific reasons for, the quit claim transfer after the legal description. These clauses may include information about a current lien on the property or anything else the property is subject to, such as restrictions imposed by the original builder. For a divorcing couple, insert a sentence that indicates the property is being transferred due to a matrimonial or property agreement.

    Go to the appropriate recorder’s office. You will need to have the money or check for the filing fees with you in order to record the deed. The fees depend on how many pages your deed is and the price the property is being sold or transferred for. You will need to fill out a preliminary change of ownership report, or PCOR, form when recording your deed. This document, used to calculate any transfer tax you may have to pay, includes questions about the buyer, the seller, the property and the sales price. PCOR forms are available at no charge in the recorder #039;s office as long as you are filing a deed together with the PCOR.

    Contact a real estate attorney with any questions. A quit claim deed is a legal transfer of ownership once the document is recorded. If you are unsure about any part of the preparation or recording process, it may be best to seek legal advice.

    Warning

    While the owner can quit legal claim, it doesn’t guarantee a free and clear title. If a mortgage exists, a “due on sale” or “loan assumption” should be explored. Talk to the lender.



    Whiplash personal injury claims and why insurance companies don t like them – Mirror Online, claiming for whiplash.#Claiming #for #whiplash


    Insurance companies slam whiplash claims, but what are the implications for sufferers?

    In the controversy kicked up by insurance companies over whiplash claims, it’s easy to forget the real victims

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    • 08:35, 18 JUL 2013
    • Updated 13:42, 3 SEP 2015
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    According to the Department of Work and Pensions Claims Recovery Unit (CRU), whiplash accounts for 70 per cent of all Road Traffic Accident personal injury claims in the UK.

    The term describes an injury caused by quick jerking motions of the head resulting in hyper extension of the spine and damage to the vertebrae and neck muscles.

    According to the NHS, common symptoms include: neck pain and stiffness, painful neck movement, lower back pain, muscle tenderness and headaches.

    Whiplash is commonly caused by car accidents, falls and contact sports. In car accidents, those most at risk from suffering whiplash injuries are those involved in accidents where their vehicle is hit from behind.

    In 2011/12, there were 570,000 claims made for whiplash injury in this country.

    These claims are a thorn in the side of insurance companies, who blame bogus whiplash claims for rising insurance premiums. This is a very convenient smokescreen for those who would rather avoid paying out for whiplash claims, or want to make people think twice before making a claim.

    Unfortunately, with scare stories about bogus claimants floating about, it’s easy to forget the victim in all this – those with genuine injuries.

    Anybody who has suffered with a case of whiplash will know how excruciatingly painful and limiting it can be.

    In many cases, whiplash injury means time off work, loss of income, pain and inconvenience. On top of that, there may be the additional costs of physiotherapy, childcare, domestic help, personal care and support until the victim has recovered.

    Symptoms can persist beyond six months when the condition becomes chronic. If a case develops complications, recovery can take even longer, causing costs to mount up.

    Rebecca sustained back injuries and whiplash during a car accident while she was pregnant.

    Claiming for whiplash



    The whiplash lie detector, claiming for whiplash.#Claiming #for #whiplash


    The whiplash lie detector

    Claiming for whiplash

    Claiming for whiplash

    2:31PM BST 01 Aug 2011

    Claiming for whiplashComments

    ‘I just cannot believe that a bump at snail s pace could have caused an injury like that, says Claire Coleman, a motorist who earlier this year accidentally shunted the car in front while in traffic near her south London home. The driver of the Vauxhall Zafira got out, saw there was no damage and drove off. Claire assumed that would be the end of it, but was astonished to find out a couple of months later that the driver had claimed for a whiplash injury, and won more than £2,000.

    There was absolutely no visible damage to either car not even a scratch or a tiny dent, she says.

    As Claire discovered, we are in the middle of a whiplash epidemic. Compensation claims for the neck injury now stand at three quarters of all personal injury claims as a result of a car accident. And the insurance industry is convinced that many are fraudulent.

    Seventy-six per cent is twice the average for other European countries, says a spokesman for the Association of British Insurers (ABI). It s unlikely we ve got some of the weakest necks in Europe.

    This compensation cash machine is having a disastrous effect on our insurance premiums: according to the AA, in the first four months this year they shot up by a record 40 per cent.

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    But now the insurance industry is fighting back with what has been privately dubbed the whiplash lie detector test. It doesn t measure heart rate, blood pressure or skin moisture, but instead is a sophisticated piece of software into which you feed details of the accident. So in goes the speed of the crash, the weight of the cars, the visible damage and lastly the type of cars. The so-called WITkit (for Whiplash Injury Toolkit) then gives you a probability that the person claiming whiplash injury is telling porkies.

    Early indications are very positive, says Peter Shaw, chief executive of Thatcham, the industry s automotive test centre. The feedback we ve had is that it can accelerate the claims process.

    Thatcham is well placed to devise such a test because of its globally recognised work in rating car seats for their ability to prevent neck injury in a crash.

    So if you accidentally hit a car rated either good or acceptable for whiplash protection (the 2006 Vauxhall Zafira that Coleman hit falls into the latter banding), your car is lighter (Coleman was driving a VW Polo) and the damage was minimal, then the software will flag up the high probability that the person you crashed into is fabricating their pain.

    It has to remain a probability because doctors still can t be certain whether a patient is suffering or not.

    You re unlikely to see any evidence because, if it s there, it s all in the soft tissue, says Richard Cuerden, technical director for vehicle safety at the Transport Research Laboratory. And that, he believes, is the big drawback of Thatcham s lie detector. It ll be able to say that, for these five per cent, pay out straight away. And for those five per cent, don t. But for the 90 per cent in the middle, we just don t know.

    And that s not going to change, according to Cuerden, until we get radical. It s time we did some human testing, simulating a rear-end crash on a sled. You could map out a threshold speed below which we could say, you wouldn t have an injury in a modern car with a good seat. That way [WITkit] would cover, say, 40 per cent of the people instead of just five.

    Without an effective test for injury, and egged on by lawyers who take a handsome cut, British drivers are putting in more personal injury claims, fuelling a rise of more than 70 per cent from an average between 2000 and 2005 of 395,735 to 674,997 in 2009. The ABI estimates total fraud now costs the industry £2 billion a year, with compensation payouts totalling £9.4 billion a year. Remove the fraud perpetrated by anyone from organised crash-for-cash gangs to opportunistic students and the ABI says our premiums will automatically drop by £50 a year.

    Until then, costs will keep rising, as Claire Coleman discovered recently when her insurance renewal came through: the whiplash claim had bumped up her premium by 25 per cent, to more than the cost of her car.

    The Government has given a strong indication that it will ban referral fees paid by car insurance companies to claims solicitors, after Jack Straw, the former Justice Secretary, drew attention to the widespread industry practice at the end of June, calling it a huge racket .

    Lord McNally, the Justice Minister, told the House of Lords earlier this month that the Government was sympathetic to the idea of a ban on referral fees and is looking at how to tackle the issue as part of wider reforms .

    Investigating the huge rise in car insurance earlier this year, the Transport Select Committee said in its report that over 40 per cent of personal injury lawyers pay referral fees to receive work from insurers or claims management firms .

    The fees range from £200-£1,000 per case and reflect the staggering amount an accident victim is worth to a claims solicitor. The report said that fees may be paid and received by insurance firms, vehicle repairers, rescue truck drivers, credit hire firms, claims and accident management firms, law firms and medical experts .



    Why settle for the AVERAGE compensation for whiplash claims, The Whiplash Claims Centre, claiming for whiplash.#Claiming #for #whiplash


    The average compensation for whiplash claims

    If you have been involved in an accident and would like an idea of the compensation that you may be entitled to, please jump to our Compensation Claims For Whiplash section below.

    Alternatively, if you can spare just 3 minutes on the phone, we can give you a much more accurate indication of your likely payout. This is a FREE OF CHARGE service, with no-strings and no-obligation whatsoever on your part. Simply pop your details into the Request a call back box to the right or give us a buzz on freephone 0800 408 1483.

    If you have suffered a whiplash injury, the damage to your neck can have many negative effects on your life. Depending on the severity of your whiplash, you may:

    • Be unable to work
    • Be unable to drive
    • Suffer from difficulty breathing
    • Have problems sleeping due to neck pain
    • Be unable to lift heavy items
    • Have to stop taking part in activities such as sports
    • Feel depressed and anxious
    • Have neck, back or shoulder pain for days, weeks, months, or even years.

    Claiming for whiplashIf you suffered the injury due to someone else’s negligence or malicious behaviour, you may be entitled to compensation. While this will not take away the pain you have suffered, it should cover the cost of treatment and provide you with some sort of pay back for the inconvenience, suffering and financial expense you have experienced.

    Of course, when you are suffering from the neck pain caused by a whiplash injury, the amount of compensation you will receive is often low on your list of immediate concerns. But it is important that you have a good idea of the sort of compensation amounts that have been awarded, so that you can plan your finances accordingly.

    Compensation Awards for Whiplash

    In England and Wales, the amount of money that is awarded as compensation for whiplash claims is based on the information provided by the Judicial Studies Board. This organisation is independent from the government and is responsible for the justice system.

    For whiplash claims, the amount of compensation varies, but usually falls within the following (approximate) amounts:

    • £750 £4000 for ‘minor’ whiplash injuries (recovery is made within 2 years)
    • £4000-£13500 for ‘moderate’ whiplash injuries that took longer to recover, and may have contributed to other complications. The higher amounts in this category are usually awarded if surgery is required or there are permanent symptoms.

    Claiming for whiplash

    If you have suffered from an extremely severe whiplash injury that has caused permanent disability or loss of neck movement, you may be awarded much more. This will vary from case to case and is dependent on the impact the injury has had on your life.

    As with all types of personal injury, each case is decided individually in court, and so there can be no guarantee of the level of compensation. The judge will decide the appropriate amount based on the level awarded in previous, similar cases, and the latest guidelines from the Judicial Studies Board.

    Remember that these amounts are just the compensation awards for your actual injury – you may also be able to claim damages.

    Claiming Damages for Extra Costs

    To make a claim for whiplash, you are going to need a medical report. So even if you only have a very minor injury, you are out of pocket straightaway. The cost of getting to a hospital or doctor’s surgery, plus parking, plus any prescribed drugs or treatment is going to hit you in the pocket through no fault of your own. Also consider that while you are doing this, you may be missing work.

    If your injury is more severe, these types of costs are going to increase, as you may need to make repeated trips to medical centres and pay for parking fees, treatment costs, and any special aids.

    Thankfully, you can claim for a wide range of these costs as damages, which, if awarded, will be paid in addition to your compensation.

    Insurance Company Settlement Offers for Whiplash

    With your whiplash case, it is quite likely that you will be claiming against the insurance of another person or company. Sometimes, the insurance company will contact you and offer a settlement amount, which you can choose to accept or can decline.

    The insurance company make the offer because they accept that a court is likely to rule in your favour. So, for them, it is more cost effective to make you an offer and avoid the additional costs involved with a court case.

    If you receive an offer, you should consider it carefully. The offer may be lower than what you would receive as a likely compensation amount, but it will also be paid without having to deal with the stress of a court case.

    A good whiplash specialist solicitor will be able to advise you on what sort of compensation is a realistic amount, and whether the insurance company’s offer is appropriate. For more advice, feel free to get in contact with a member of the whiplash claims team today.

    About the author Claire Lamb

    I am a personal injury lawyer, specialising in compensation claims for whiplash injuries and road traffic accidents. Please do get in touch if you would like to speak with a member of my team.

    • Claiming for whiplash
    • Claiming for whiplash
    • Claiming for whiplash
    • Claiming for whiplash
    • Claiming for whiplash

    Claiming for whiplash



    The whiplash lie detector, claiming for whiplash.#Claiming #for #whiplash


    The whiplash lie detector

    Claiming for whiplash

    Claiming for whiplash

    2:31PM BST 01 Aug 2011

    ‘I just cannot believe that a bump at snail s pace could have caused an injury like that, says Claire Coleman, a motorist who earlier this year accidentally shunted the car in front while in traffic near her south London home. The driver of the Vauxhall Zafira got out, saw there was no damage and drove off. Claire assumed that would be the end of it, but was astonished to find out a couple of months later that the driver had claimed for a whiplash injury, and won more than £2,000.

    There was absolutely no visible damage to either car not even a scratch or a tiny dent, she says.

    As Claire discovered, we are in the middle of a whiplash epidemic. Compensation claims for the neck injury now stand at three quarters of all personal injury claims as a result of a car accident. And the insurance industry is convinced that many are fraudulent.

    Seventy-six per cent is twice the average for other European countries, says a spokesman for the Association of British Insurers (ABI). It s unlikely we ve got some of the weakest necks in Europe.

    This compensation cash machine is having a disastrous effect on our insurance premiums: according to the AA, in the first four months this year they shot up by a record 40 per cent.

    Related Articles

    But now the insurance industry is fighting back with what has been privately dubbed the whiplash lie detector test. It doesn t measure heart rate, blood pressure or skin moisture, but instead is a sophisticated piece of software into which you feed details of the accident. So in goes the speed of the crash, the weight of the cars, the visible damage and lastly the type of cars. The so-called WITkit (for Whiplash Injury Toolkit) then gives you a probability that the person claiming whiplash injury is telling porkies.

    Early indications are very positive, says Peter Shaw, chief executive of Thatcham, the industry s automotive test centre. The feedback we ve had is that it can accelerate the claims process.

    Thatcham is well placed to devise such a test because of its globally recognised work in rating car seats for their ability to prevent neck injury in a crash.

    So if you accidentally hit a car rated either good or acceptable for whiplash protection (the 2006 Vauxhall Zafira that Coleman hit falls into the latter banding), your car is lighter (Coleman was driving a VW Polo) and the damage was minimal, then the software will flag up the high probability that the person you crashed into is fabricating their pain.

    It has to remain a probability because doctors still can t be certain whether a patient is suffering or not.

    You re unlikely to see any evidence because, if it s there, it s all in the soft tissue, says Richard Cuerden, technical director for vehicle safety at the Transport Research Laboratory. And that, he believes, is the big drawback of Thatcham s lie detector. It ll be able to say that, for these five per cent, pay out straight away. And for those five per cent, don t. But for the 90 per cent in the middle, we just don t know.

    And that s not going to change, according to Cuerden, until we get radical. It s time we did some human testing, simulating a rear-end crash on a sled. You could map out a threshold speed below which we could say, you wouldn t have an injury in a modern car with a good seat. That way [WITkit] would cover, say, 40 per cent of the people instead of just five.

    Without an effective test for injury, and egged on by lawyers who take a handsome cut, British drivers are putting in more personal injury claims, fuelling a rise of more than 70 per cent from an average between 2000 and 2005 of 395,735 to 674,997 in 2009. The ABI estimates total fraud now costs the industry £2 billion a year, with compensation payouts totalling £9.4 billion a year. Remove the fraud perpetrated by anyone from organised crash-for-cash gangs to opportunistic students and the ABI says our premiums will automatically drop by £50 a year.

    Until then, costs will keep rising, as Claire Coleman discovered recently when her insurance renewal came through: the whiplash claim had bumped up her premium by 25 per cent, to more than the cost of her car.

    The Government has given a strong indication that it will ban referral fees paid by car insurance companies to claims solicitors, after Jack Straw, the former Justice Secretary, drew attention to the widespread industry practice at the end of June, calling it a huge racket .

    Lord McNally, the Justice Minister, told the House of Lords earlier this month that the Government was sympathetic to the idea of a ban on referral fees and is looking at how to tackle the issue as part of wider reforms .

    Investigating the huge rise in car insurance earlier this year, the Transport Select Committee said in its report that over 40 per cent of personal injury lawyers pay referral fees to receive work from insurers or claims management firms .

    The fees range from £200-£1,000 per case and reflect the staggering amount an accident victim is worth to a claims solicitor. The report said that fees may be paid and received by insurance firms, vehicle repairers, rescue truck drivers, credit hire firms, claims and accident management firms, law firms and medical experts .



    The symptoms of whiplash and how to claim compensation for an injury in the UK – Mirror Online, claiming for whiplash.#Claiming #for #whiplash


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

    Whiplash is suffered by hundreds of road accident victims every single day. If it happens to you, the law says you are entitled compensation

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    • 09:40, 24 OCT 2017
    • Updated 09:43, 24 OCT 2017
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    Whiplash is suffered by hundreds of road accident victims every single day. If it happens to you, the law says you are entitled compensation

    Many of us don’t 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 go away.

    What is whiplash?

    Whiplash is often referred to as a neck sprain or neck strain. It is an injury to the soft tissues of the neck and back and is defined as an injury caused by a severe jerk to the head, typically in a car accident. It’s common in urban traffic accidents, and while symptoms can take 6-12 hours to develop, they could keep getting worse for several days.

    What is the most common cause of whiplash?

    The most common cause of whiplash is a rear shunt car accident where one vehicle runs into the back of another. Whiplash can occur at an accident of any speed, and even happen at speeds as low as 5 to 8.

    Greater injury can occur if a person’s head is turned at the time of impact or if they are surprised and unprepared for the collision. A history of neck injury may also contribute to increased whiplash pain. The amount of pain a person suffers after an accident is complicated by that individual’s susceptibility to injury-which can be difficult to predict.

    Claiming for whiplash

    What are the symptoms?

    • Stiffness in the neck- soreness and difficulty moving the neck, especially when trying to turn the head to the side.
    • Blurred vision- a lack of sharpness of vision resulting in the inability to see fine detail.
    • Headaches- a tightening around the head and neck, followed by aches.
    • Lower back pain- any pain between the bottom of your ribcage down to the top of your legs.
    • Dizziness- a sensation of spinning and losing one’s balance.
    • Ringing in the ears (tinnitus)
    • Sleep disturbances
    • Irritability
    • Tingling or numbness in the arms
    • Difficulty concentrating

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

    How to treat whiplash?

    If you’ve been injured, you should seek the advice of a medical professional. Most whiplash symptoms of the back and neck can be treated with ‘over the counter’ painkillers and ice to reduce pain, swelling, and muscle spasms.

    Claiming for whiplash

    How long does whiplash last?

    Whiplash generally only lasts a few days, but can last more than a year in severe cases.

    Read More

    Personal injury claims

    Claiming for whiplash

    Claiming for whiplash

    Claiming for whiplash

    Claiming for whiplash

    Can whiplash come back?

    Like any injury, whiplash pain can reoccur. However, with the right treatment and care you should expect to make a full and permanent recovery.

    What is the average whiplash payout?

    There are many factors which are taken into account when whiplash compensation is being calculated.

    Looking to claim?

    If you want to know how Accident Advice Helpline can help you, click here to see how to start your personal injury claim or call:



    2017 to 2018 Maximum Weekly Unemployment Benefits By State, Saving to Invest, claiming benefits for unemployment.#Claiming #benefits #for #unemployment


    Saving to Invest

    2017 to 2018 Maximum Weekly Unemployment Benefits By State

    Listed below are the latest maximum weekly unemployment insurance benefit/compensation amounts by state. The Unemployment compensation (UC) program is designed to provide benefits to most individuals out of work or in between jobs, through no fault of their own.

    Note, the table below contains the the maximum weekly unemployment insurance compensation (benefit) including adjustments for dependents where applicable. In most cases the number of dependents you have and average maximum weekly wage will impact the unemployment benefit you are eligible for. Please check the respective state unemployment website in the table below for state specific details, latest numbers and process to claim the benefits. The data in this post is informational only for reference.

    The Federal-State UC program is a partnership based upon federal law, but administered by state employees under state laws. Thus each state designs its own UC program within the guidelines of the federal requirements, which includes setting the benefit amount along with eligibility and disqualification provisions. There are significant differences between states so please visit the state unemployment for detailed rules and benefit calculation scenarios.

    The Emergency Unemployment Compensation (EUC), which provided federal benefits on top of the state benefits (up to 99 weeks of benefits), has now expired and is not longer available. You can see this article for more details, but as of now only state unemployment benefits are available to the unemployed.

    I will keep updating the table with annual state unemployment benefit changes and encourage you to follow this site via social media to get the latest updates. State unemployment benefit information is constantly changing so if you notice any discrepancies please leave a comment and I will update.

    Dept. of Economic Opportunity

    Steps to Filing an Unemployment Claim

    Contact the State Unemployment Insurance agency as soon as possible after becoming unemployed. Go the website to see if you can file electronic claims or to get the location/number of the nearest unemployment office.

    Have details of your former employment available. Make sure to give complete and correct information to ensure no delays with your claim processing. It generally takes two to four weeks after you file your claim to receive your first benefit check.

    Your state unemployment website (links in table above) will generally allow you to calculate your estimated state unemployment benefits prior to or when submitting a claim. You will need to have your income/wages earned during the four prior calendar quarters (base year period) and also number of hours worked in some instances for each of these quarters. Since the wages you earn can vary significantly from quarter to quarter, you may want to consider these differences in deciding when to file your claim. Refer to your local state s website for specifics on calculations and eligibility.

    The final amount of your benefit is determined after the State UI division process your application and validates income and employment duration with your employer(s).

    Taxation on Unemployment Benefits

    Unemployment insurance is taxable income and must be reported on your IRS federal income tax return. Your local state unemployment agency will send you form 1099-G to file with your tax return (see due dates). This form is sent in late January and outlines the amount of benefits paid to you during the previous year. You can choose to withhold income tax during the year with 10 percent being the maximum generally allowed.

    Claiming Benefits Across Multiple States

    If you worked and earned wages in multiple states you may be able to claim benefits from all these states relative to the income you earned. Generally you should first exhaust benefits from the state where you had the highest income and/or lived for the longest duration in the base year of figuring your claim. After which you can submit claims from the other states up to the maximum weekly benefit.



    Wisconsin Unemployment, claiming benefits for unemployment.#Claiming #benefits #for #unemployment


    Claim Unemployment Benefits

    Claiming benefits for unemploymentUnemployment benefits in Wisconsin might not let you to maintain daily life you had while employed, but the benefits can help you remain economically solvent between jobs. Your benefit rate is based on your prior wages, with higher earnings resulting in highly weekly benefits. State laws set limits for both weekly benefits and total collective benefits, but federal funding might add to your total allotment.

    After you are jobless in Wisconsin you must get in touch with the Wisconsin Department of Workforce office to collect unemployment benefits. Staff members at the department will assess your wages to decide the amount of unemployment benefits you are suitable to receive. Like most other states, Wisconsin has a minimum and a maximum benefit amount that unemployed workers can collect each week in spite of how much money they earned while they were employed.

    The Maximum Amount of Unemployment Benefits in Wisconsin

    Regarding weekly unemployment benefits, the highest amount obtainable in Wisconsin as of 2011 is $363. Generally, you may claim unemployment benefits for 26 weeks. Thus the highest amount of total benefits an unemployed person can collect in the state is $9,438. You could claim this sum over the span of a year if you opt-by not filling for benefits some weeks—but you can collect 26 payments.

    Understanding Your Base Period

    Your base period is a 12-month period before filing for unemployment. Dividing the year into fixed three-month quarters, Wisconsin describes the base period as first four of the five completed calendar quarters previous to a worker’s job loss.

    In other words, if you filed for unemployment in the week of July 4, 2010, your base period would be from April 2009 till March 2010. Anything you made in the last complete quarter before the week you filed-which in this Instance is April through June 2010—does not add up toward the year-long total earnings employed to estimate your unemployment benefits.

    Alternative Base Period (ABP)

    If you do not have adequate wages to be eligible for a claim using the base period described above, an alternate base period will be employed. The alternate base period will be the 4 most recently completed calendar quarters prior to the week you filed your initial claim application for a new benefit year.

    Extended Base Periods (EBP)

    Wisconsin does not provide Extended Base period.

    Determining Your High Quarter

    Next, you need to work out your highest-paid quarter, or high quarter. This is basically defined as the quarter within your base period during which you made the maximum wages, adding up earnings from all work you had.

    Remember that the quarters are set periods. You must not choose consecutive months randomly, but keep to calendar quarters: January through March, April through June, July through September and October through December.

    Calculating Unemployment Benefits

    Like most other unemployment welfare plans, the Wisconsin unemployment insurance too decides your weekly benefit amount based on the wages you earned during the base period. Although the total wage earned during the base period decides your eligibility for the program, the actual amount of the benefit will be calculated based on your highest earning quarter. You will receive 4% of your high-quarter earnings as your weekly benefit. To estimate your earnings check on Wisconsin unemployment calculator.

    The formula used to calculate the benefit is mandated by the federal law.



    Workers Claiming Unemployment Insurance Hits, The Daily Caller, claiming benefits for unemployment.#Claiming #benefits #for #unemployment


    Workers Claiming Unemployment Benefits Hit 28-Year Low

    The total number of people claiming unemployment benefits in the United States fell to its lowest level since 1988, further evidence of a surging labor market.

    During the last week of April, 1,918,000 people received unemployment insurance benefits, the lowest number for insured unemployment since November 5, 1988 when it was 1,898,000, according to the Department of Labor (DOL). The advance seasonally adjusted insured unemployment rate was 1.4 percent for the last week of April, unchanged from the previous week.

    Initial unemployment insurance claims, which counts the number of people who applied for unemployment insurance for the first time, fell by 2,000 to 236,000 in the first week of May.

    There were 10,216 former federal civilian employees claiming unemployment for the week ending April 22, a decrease of 781 from the previous week. Newly discharged veterans claiming benefits totaled 10,955, an increase of 13 from the prior week.

    The highest insured unemployment rates in the week ending April 22 were in Alaska at 3.4 percent, Puerto Rico at 2.7 percent and New Jersey at 2.5 percent.

    The largest increases in initial claims for the week ending April 29 were in Illinois with 652 more than than the previous week, Tennessee with 432 and Indiana with an increase of 350 claims. The largest decreases were in New York, with a 13,953 drop in claims, followed by New Jersey with a decrease of 4,069 and Massachusetts, which decreased by 3,882.

    Jobs: Americans filing fewer and fewer jobless claims, fewer layoffs.. via JPM pic.twitter.com/lqZNcYdg2d

    Claims have been below 300,000, which is the standard for a healthy labor market, for 114 straight weeks, according to MarketWatch.

    The positive news comes almost a week after the unemployment rate hit a 10 year low. The U.S. economy added 211,000 new jobs in April, continuing a steady increase in job creation.

    Content created by The Daily Caller News Foundation is available without charge to any eligible news publisher that can provide a large audience. For licensing opportunities of our original content, please contact [email protected] .



    UHC appeal claim submission address – Instruction, Medicare denial codes, reason, action and Medical billing appeal, address for medicare claims.#Address #for #medicare #claims


    Medicare denial codes, reason, action and Medical billing appeal

    Medicare denial codes, reason, remark and adjustment codes.Medicare, UHC, BCBS, Medicaid denial codes and insurance appeal. Sample appeal letter for denial claim. CO, PR and OA denial reason codes codes.

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    Address for medicare claims

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    Address for medicare claims

    Address for medicare claims

    Monday, August 29, 2011

    UHC appeal claim submission address – Instruction

    If you believe you were underpaid by us, the first step in resolving your concern is to submit a Claim Reconsideration as described above.

    Salt Lake City, UT 84130-0575

    Kingston, NY 12402-1600

    Salt Lake City, UT 84130-0573

    Dental Issues Appeals/Grievance Coordinator Grievance Appeals Department

    Salt Lake City, UT 84130-0569 Fax: (714) 364-6266

    Unit 4316 Rice Lake Road

    Duluth, MN 55811

    Fax: 801-938-2100 or 801-938-2109

    If you are appealing a claim that was denied because filing was not timely:

    1. Electronic claims include confirmation that UnitedHealthcare or one of its affiliates received and accepted your claim.

    If you are disputing a refund request, please send your letter of appeal to the address noted on the refund request letter. Your appeal must be received within thirty (30) calendar days of the date of the refund request letter, or as required by law or your participation agreement, in order to allow sufficient time for processing the appeal, and to avoid possible offset of the overpayment against future claim payments to you. When submitting the appeal, please attach a copy of the refund request letter and a detailed explanation of why you believe we have made the refund request in error.

    or PRA. NOTE: If you are receiving the consolidated 835, you may verify the enrollee s correspondence address using the eligibility search function on

    Instructions for submitting Claim Reconsideration Requests

    Receive immediate confirmation and a unique tracking number to show we received your request.

    Check submission status throughout the process.

    You will be notified that your request was received.

    Kingston, NY 12402-1600

    2. If you are a registered user on UnitedHealthcareOnline.com, use Electronic Claim Reconsideration for submissions without attachments.

    * The address on the Explanation of Benefits (EOB) or the Provider Remittance Advice (PRA)

    The following are the explanations of reasons for requesting a paper claim reconsideration

    Submission requirements for electronic claims:

    UnitedHealthcare Single Paper Claim Reconsideration Request Form



    How to File a Personal Injury Claim, claim for personal injury.#Claim #for #personal #injury


    How to File a Personal Injury Claim

    There are almost as many different kinds of personal injury cases as there are ways to get injured. From a car accident to a slip and fall, from injuries caused by a defective product to those stemming from mistakes by a doctor, personal injury law covers a broad range of incidents. So, no two personal injury cases will work in the same manner.

    A lot depends on the severity of the resulting injuries, the clarity of certain key issues — such as who was at fault — and whether or not the incident is covered under an insurance policy.

    In this article, we’ll focus on a handful of key, practical issues related to personal injury claims to give you an understanding of what your legal rights are.

    You’ll also find links to more in-depth information about each step to help you determine the best course of action for your case.

    1. Determine if an Insurance Policy Will Cover Your Injury(ies)

    If you’ve been injured and you think someone else might be legally responsible, you might want to find out whether that person has insurance coverage that will kick in to cover any injury claim you make. After a car accident, does the other driver have insurance? If you’re hurt in a slip and fall, who owns the property, and do they have liability coverage?

    This is important because it can determine whether or not you’d actually be able to collect any damages award that a jury hands you after a personal injury trial. Having a judgment in your favor is one thing, but collecting on that judgment is another story, and the story may not have such a happy ending when the defendant has no applicable insurance coverage in place, and very little in the way of assets. Especially if your injuries weren’t all that serious and your own insurance coverage might provide a satisfactory solution, you might want to think twice before filing a lawsuit against someone who has no insurance.

    On the other hand, if your injuries are significant and it’s clear that the other person is at fault for the underlying accident, you’ll want to proceed whether or not they’re covered by an insurance policy. Let them sort out the details.

    In-Depth Articles on This Step

    2. Decide Whether To Engage an Attorney

    Except in the simplest of cases, where your injuries aren’t significant and you’re confident you can get a satisfactory result on your own, it’s probably best to at least discuss your case with a personal injury attorney. Remember, talking with an attorney isn’t the same as hiring an attorney. Most personal injury lawyers will be happy to provide an initial free consultation where they discuss the merits of your case with you, and outline your legal options.

    In most attorney-client agreements in personal injury cases, the attorney works on a “contingency” basis, meaning the client pays nothing unless there is a settlement or court judgment in the client’s favor. Then, the attorney takes an agreed-upon percentage of the settlement or judgment, as a fee for services.

    Depending on the amount of money at stake and complexity of the legal issues in your case — and also depending on how much of a fight the other side is willing to put up — it might just be worth it to have an attorney fight the fight for you.

    In-Depth Articles on This Step

    3. Decide To File (or Not File) a Lawsuit

    As you’ve most likely heard, the vast majority of personal injury cases reach a settlement before trial, and many are resolved before a lawsuit is even filed.

    There are ways to recover compensation for an injury without running to court and filing a lawsuit. Again, where insurance coverage in place, you can file a “third party claim” against the at-fault person’s insurance carrier. You’d start by getting the name of the other person’s insurance carrier and his or her policy number. Then, send the company a notice of claim that includes their insured’s information, your information, the date of the accident, and a notification that you were injured and intend to pursue a claim. Don’t get into specifics at this point. That will come later, in settlement negotiations and in correspondence such as the demand letter.

    Of course, if your insurance claim stalls or settlement negotiations break down, you can always get the personal injury lawsuit process started by filing your complaint in the local branch of your state’s civil court. One key law to keep in mind is the personal injury statute of limitations in your state. This law sets a limit on the amount of time you have to file a lawsuit after your injury, so it’s crucial to understand and abide by it.



    How does no claims bonus work, MoneySuperMarket, no claims bonus for named drivers.#No #claims #bonus #for #named #drivers


    How does no claims bonus work?

    No claims bonus for named drivers

    by Les Roberts

    Car insurance expert

    Tuesday 27 Jun 2017

    Save money on your car insurance

    Originally published April 1st 2016

    Of all the ways to cut the cost of car insurance, accumulating several years’ no claims bonus (NCB) is arguably the most effective.

    So if you’ve built up five or more years of claims-free motoring, you should be able to bag yourself a decent discount on the cost of cover.

    As simple as this sounds in theory, in practice it can be a lot more complicated – each insurer plays by its own rules, which can cause confusion and distress if you have to make a claim or get confirmation of proof.

    What is no claims bonus (NCB)?

    For every year you drive without making a claim on your car insurance your insurer will give you one year’s no claims bonus (NCB) that will give you a discount on the cost of cover at renewal.

    These discounts are accumulated each year – the more years you drive without making a claim, the greater the reduction in the cost of your car insurance.

    Counting the cost of making a claim

    This issue of NCB deductions – when the value of an NCB is slashed – came to our attention when a concerned customer contacted us via the comments section of our motoring blog.

    She’d seen her eight year-NCB cut to just three after making a claim – a much bigger drop than she was expecting.

    The customer wrote: “I am insured with Churchill, I have 8 years no claims. Unfortunately, I had an accident and Churchill informed me I would lose 2 years no claims and added that because they only consider 5 years they will be leaving me with 3 years no claims bonus.

    “Surely this is wrong because when my renewal is up and I search elsewhere there ARE other insurance companies who consider 9+ years. Does anybody have any advice regarding this?

    How many years’ NCB should be deducted?

    If you make a claim on your car insurance, the industry norm is to deduct two years’ worth of NCB.

    We contacted Churchill to check its position and whether the customer would, in effect, lose five years’ NCB following her claim.

    A spokesperson said: “Churchill offers an 80% discount as an introductory offer for new customers who have eight years or more NCB, and we continue to reward up to nine years’ NCB for existing customers who remain claim-free.

    However, if a customer makes a claim and they have over five years’ NCB this will be reduced to three years’ NCB after a first claim.

    Using this MoneySuperMarket tool, you can find out how the leading car insurance providers approach the subject.

    How many no-claims discount years will my new insurer honour?

    Work out how many of the years you’ve built up will be recognised

    Pick your insurer

    Sorry! Please pick an insurer.

    Maximum number of

    With most insurers, the size of discount you can achieve increases until you have built up five NCD years, at which point the maximum discount percentage is achieved. Despite this, some companies continue to recognise if you go further years without making a claim – but they don’t increase the size of your discount (or at least not by much).

    However, it can still be helpful. If your insurance company recognises up to, say, nine years of claims-free driving and you have an accident, you might lose two years and drop back to seven. As that’s still higher than five, making a claim would not jeopardise your discount.

    Other companies will always drop you back to three years after an accident, regardless of your number of years claims-free.

    Maximum No Claims

    The amount of discount earned increases with each year of claim-free driving.

    So after one year you might get 30%, with the percentage increasing each year until you get 70% NCD after five years.

    Most firms offer a maximum NCD of 70%, although some offer 75% or 80%.

    Does it have an

    Accelerated Bonus Scheme?

    Some insurance companies offer drivers with no NCD an accelerated bonus scheme, which awards a year’s NCD after 10 months claims-free driving.

    After 10 months, you can either renew with the same firm, or move to another firm with the one-year bonus intact.

    Save money on your car insurance

    Car insurance is a hefty expense, but there’s a good chance you can save money by shopping around rather than staying with the same firm at renewal. Loyalty doesn’t pay!

    Get a car insurance quote

    Understand your no claims discount

    Standard practice

    This seemed excessive, so we got in touch with the Association of British Insurer (ABI), to find out if there is an industry standard when it comes to the allocation of NCB.

    It turns out there isn’t, and it’s completely at the discretion of each insurer. Stephen Sobey from the ABI said: “The no claims bonus is a tool used differently by each insurer, there is no standard formula across the industry.

    So we did some shopping around of our own, to find out how different insurer measure up against each other when it comes to deducting NCB, specifically in the case of our customer who had accumulated eight years’ NCB before making a claim.

    The results were eye-opening to say the least…

    How a claim affects your NCB

    Swinton was not able to answer our query as it said there were too many variables to be able to provide this level of detail.

    Esure and Sheila’s Wheels don’t disclose their specific NCB scales while AA Insurance Services simply state that in the event of a claim : “Your No Claim Bonus will be reduced at renewal in accordance with the insurer’s ‘step back’ scale at the time of renewal (usually to the equivalent of 0, 1 or 2 years) subject to any No Claim Bonus Protection condition that may apply to this insurance.”

    We also contacted Carrot, a telematics insurer, to see what its position was and were told this wasn’t really relevant to the average telematics customer.

    This type of cover is aimed at younger drivers and once they have five years’ driving under their belt, it’s probably more cost-effective to move on to a traditional insurance policy. This is something I took a closer look at in the video below and in my article Putting telematics to the test.

    So, how many years’ NCB should be deducted?

    In short, although it’s standard practice to deduct two years’ NCB after a claim, if you’ve accumulated over five years’ NCB in most cases this will be cut back to just three following a claim.

    Just three of the insurers we contacted had a different policy – Allianz honour the two years no matter how many years’ you have accumulated, so our customer would have had six years’ NCB at renewal, while Swiftcover has a sliding scale which means your NCB will be cut back to four years if you’ve accumulated six or more years’ NCB.

    LV also puts customers with nine years’ NCB back to four should they make a claim.

    Admiral also included an interesting caveat in its terms and conditions, where it stated: “This is a No Claims Bonus and not a no blame bonus. If a claim occurs which is not your fault and we have to make a payment, your No Claims Bonus will be reduced unless we can get back all that we paid from those responsible.”

    So even if you make a claim for an accident that wasn’t your fault you’ll get your NCB cut unless a settlement can be reached with the guilty party’s insurers.

    All of which throws the importance of NCB protection into sharper focus.

    Is it worth protecting your NCB?

    The common consensus is that protecting your NCB is only worthwhile up to a certain point and that, the longer you go with NCB protection but without making a claim, the less cost-effective it becomes. This is something I cover in more detail in my article Should you protect your no claims discount?

    However, this works on the assumption that insurers will cut your NCB by just two years should you make a claim. But these latest findings show this is clearly not the case as, in most instances, you’ll be knocked back to just three years’ discount, regardless of the number of years of claim-free motoring you’ve accrued – and most insurers don’t apply the maximum discount until you have at least five years’ NCB.

    How long is proof of no claims valid for?

    Your proof of NCB is usually only valid for two years – so if you’re off the road for any reason or don’t have your own policy for more than two years, you’ll have to start from scratch the next time you take out cover.

    Kevin Pratt, insurance expert at MoneySuperMarket, said: “It’s often assumed insurers will deduct two years’ worth of NCB in the event of a claim, but it’s not that straightforward. The system operated by most insurers could have serious cost implications for motorists who have to make a claim.

    “This means paying for NCB protection is an option customers should consider when shopping around for cover.

    “It’s also important to remember that your NCB is portable, so you can still shop around to find the best insurance deal without having to worry that you might jeopardise your discount.”

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    No claims discount explained, no claims bonus for named drivers.#No #claims #bonus #for #named #drivers


    No claims discount explained

    No claims bonus for named drivers

    by Kevin Pratt

    Consumer affairs expert

    Thursday 28 May 2015

    Save money on your car insurance

    The no-claims discount you get on your car insurance is a reward for safe driving – and can cut the cost of your car insurance by as much as 75% with most insurers. So it’s good to know that you can take your discount with you when you switch insurers.

    How many no-claims discount years will my new insurer honour?

    Work out how many of the years you’ve built up will be recognised

    Pick your insurer

    Sorry! Please pick an insurer.

    Maximum number of

    With most insurers, the size of discount you can achieve increases until you have built up five NCD years, at which point the maximum discount percentage is achieved. Despite this, some companies continue to recognise if you go further years without making a claim – but they don’t increase the size of your discount (or at least not by much).

    However, it can still be helpful. If your insurance company recognises up to, say, nine years of claims-free driving and you have an accident, you might lose two years and drop back to seven. As that’s still higher than five, making a claim would not jeopardise your discount.

    Other companies will always drop you back to three years after an accident, regardless of your number of years claims-free.

    Maximum No Claims

    The amount of discount earned increases with each year of claim-free driving.

    So after one year you might get 30%, with the percentage increasing each year until you get 70% NCD after five years.

    Most firms offer a maximum NCD of 70%, although some offer 75% or 80%.

    Does it have an

    Accelerated Bonus Scheme?

    Some insurance companies offer drivers with no NCD an accelerated bonus scheme, which awards a year’s NCD after 10 months claims-free driving.

    After 10 months, you can either renew with the same firm, or move to another firm with the one-year bonus intact.

    Save money on your car insurance

    Car insurance is a hefty expense, but there’s a good chance you can save money by shopping around rather than staying with the same firm at renewal. Loyalty doesn’t pay!

    Get a car insurance quote

    Understand your no claims discount

    Here’s how it works. Most insurers offer a premium discount for every year without a claim, usually up to a maximum of five years. For example, you might earn a 30% discount on next year’s premium, if you do not make a claim in the previous year. Drivers who can boast five consecutive claim-free years can expect a discount of as much as 75% – or even more in some cases. The size of the discount, sometimes called a bonus, varies from insurer to insurer. Companies also calculate the discount in different ways. A number of firms even allow the discount to build up over 10 years or offer an ‘accelerated’ discount or bonus, where the discount applies after 10 months instead of 12.

    Making a claim

    It’s worth finding out what would happen to your discount if you put in a claim as you won’t necessarily forfeit the full amount. For example, if you have built up a discount over five years and make a claim in year six, you might lose only two years of discount. So, when you come to renew your car insurance, you would benefit from a three-year bonus. Remember that your insurance premium can still go up at renewal even if you don’t make any claims. That’s because the driver’s claims history is only one element in the premium calculation. Insurers also take into account factors such as your address and mileage, when they quote for cover. That’s why it’s always important to shop around when you renew, to make sure you’re getting the most competitive price for the cover you want.

    Discount portability

    If this has happened to you, or you have any questions about no claims discounts, drop us a line in the box below.

    Named drivers

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    TOP Injury Lawyers, Compare Injury Lawyers, Personal Injury Claim, claims for injury.#Claims #for #injury


    Compare Personal Injury Lawyers in Seconds

    Finding a good personal injury lawyer or an accident claim company for your compensation claim can be difficult especially since there are so many. Think about it! You see so many adverts on TV, but do you know who the best personal injury claim solicitor for you is, or who offers you the most compensation online?

    Don’t just fall for the trap of the adverts, as they all claim to be the right solicitor or accident management company for you. Get the BEST accident claim DEALS and SERVICES available on the personal injury market. Claim for injury, claim for accident or claim for compensation with recommended injury solicitors.

    Compare personal injury lawyers services to MAXIMISE your injury compensation claim. Compare Compensation Claims is keeping your cost of making an accident claim to minimum, so you as a client can benefit from more personal injury compensation services. You control what compensation services you are given for your personal injury compensation claim.

    This is where Compare Compensation Claims excels. We provide a comprehensive range of top personal injury lawyers injury compensation packages. Get instant results, view ratings profiles for each accident claim solicitor independently make an informed choice for your accident claim. There are solicitors who specialise in specific types of personal injury claims, for example, if you have a car accident claim, then you will want to work with solicitors who specialise in road traffic accidents who also offer you a courtesy car. Likewise if you are making a work accident claim or even a public liability claim, you should look for injury solicitors that specifically specialise in these accident types when making a personal injury compensation claim as you want the right injury solicitor, with the right expertise, for your EXACT case.

    Compare Compensation Claim’s user-friendly website makes it easy for you to find an injury compensation package that suits your needs a personal injury lawyer that meets your requirements. Claim for personal injury, claim for accident or claim for compensation by making a personal injury compensation claim the smart way.



    Australian Doctor Medical Negligence Solicitor Injury Compensation Claims, claims for injury.#Claims #for #injury


    Australian Doctor – Medical Negligence Solicitor Compensation Claims

    Our solicitors specialise in medical negligence compensation claims against negligent doctors. If you have been injured as a result of negligent medical treatment, you should seek legal advice as soon as possible. Time limits apply to compensation claims, and it is important that you seek legal advice as soon as you become aware that you may have been injured or suffered some other harm or loss as a result of a doctor’s actions or omissions. Compensation may also be available to family members who have lost a loved one as a result of medical negligence.

    For obligation-free legal advice and No Win No Fee representation, call our helpline, complete the contact form or send an email.

    SOLICITORS HELPLINE 1800 339 353

    Doctor Duty of Care

    Doctors have a duty to exercise reasonable care, skill and judgement in examining, diagnosing, treating and providing information to their patients. A breach in duty of care may result in damages being awarded to the patient. Despite the fact that the execution of a consent form specifies acknowledgement of the stated risks and complications in conjunction with a given treatment or operation, it doesn’t relieve a doctor from their responsibility of meeting the standard of care in association with such treatment or operations.

    Our medical negligence lawyers have handled hundreds of compensation cases against doctors and hospitals. They can provide accurate advice on whether you should take legal action against a doctor such as a :

    • General Practitioner – GP
    • Anaesthetist
    • Cardiovascular and thoracic surgeon
    • Dermatologist
    • Emergency Medicine Physician
    • Gastroenterologist
    • Family Physician – GP
    • General Surgeon
    • Gynaecologist
    • Internal Medicine Physician
    • Neurologist
    • Neurosurgeon
    • Obstetrician
    • Oncologist
    • Ophthalmologist
    • Ophthalmic Surgeon
    • Oral Surgeon
    • Orthopaedic Surgeon
    • Pathologist
    • Paediatrician
    • Plastic Surgeon
    • Psychiatrist
    • Radiologist
    • Urologist

    SOLICITORS HELPLINE 1800 339 353

    Causation

    For a patient to succeed with a medical negligence claim it is not enough to show that there was a breach in duty of care, or that the results of the treatment were poor. They must be able to prove, on the balance of probabilities, that the doctor’s poor performance caused the unsatisfactory result. This is known as “causation”, and proving this link between the actions of the doctor and the harm a patient experiences can be one of the most difficult areas of a medical negligence claim. If a patient can prove “breach in duty of care” and “causation of damage”, the final hurdle is to assess the value of the claim or damages award.

    SOLICITORS HELPLINE 1800 339 353

    Damages Award

    Compensation is usually awarded as a lump sum, once-and-for-all payment intended to cover past, present and future expenses. The lump sum award is calculated based on loss and harm suffered and needs arising, as a result of the negligence.

    A patient may be awarded compensation for :

    • Loss of income
    • Loss of earning capacity
    • Medical expenses
    • Allied health care expenses
    • Equipment aides
    • Pharmaceuticals
    • Attendant care
    • Domestic assistance
    • Pain and suffering

    Because of the complexities involved in bringing a medical negligence case, you should seek the assistance of an experienced medical negligence lawyer who will provide a thorough assessment of liability, causation, and quantum (the value of the claim).

    SOLICITORS HELPLINE 1800 339 353

    Medical Negligence Case Examples

    Our accredited Personal Injury Specialists (medical negligence law), have extensive knowledge and experience in handling claims involving :

    • Errors in diagnosis
    • Improper procedure performance
    • Failure to supervise or monitor
    • Medication errors
    • Failure or delay by GP in referral or consultation
    • Equipment malfunction
    • Lack of informed consent
    • Failure to perform
    • Delay in performance of a procedure
    • Failure to recognise a complication of treatment
    • Failure to instruct or communicate with the patient
    • Premature discharge of a patient
    • Unnecessary treatment
    • Sexual misconduct

    SOLICITORS HELPLINE 1800 339 353

    Misdiagnosed Conditions

    One of the biggest areas of medical negligence is the misdiagnosis of medical conditions. Some of the most commonly misdiagnosed medical conditions are :

    • Heart Attack / Myocardial Infarction
    • Coronary Artherosclerosis
    • Aortic Aneurysm
    • Breast Cancer
    • Lung Cancer
    • Colon Cancer
    • Cancer of the Rectum
    • Prostate Cancer
    • Appendicitis
    • Pneumonia
    • Meningitis
    • Pulmonary Embolism
    • Diabetes
    • Bone Fracture
    • Back Disorders
    • Endocarditis

    SOLICITORS HELPLINE 1800 339 353

    Death Claims

    Relatives of a person who has died as a result of medical negligence may be able to make a claim for “Compensation to Relatives” for their loss of a reasonable expectation of future pecuniary benefits. Compensation may also be available for mental or nervous shock; a psychiatric illness such as major depression, anxiety disorder or adjustment disorder sustained by the deceased’s family.

    Where a patient has died as a result of medical negligence, we may recommend that a report be made to the Coroner’s Court. Sometimes a report should also be made to the appropriate regulatory body such as the :

    • Health Care Complaints Commission of New South Wales
    • Health Services Commissioner of Victoria
    • Health Quality and Complaints Commission, Queensland
    • Health and Community Services Complaints Commissioner, South Australia
    • The ACT Health Services Commissioner
    • The Health and Community Services Complaints Commission, Northern Territory
    • Health Complaints Commissioner, Tasmania
    • Office of Health Review, Western Australia
    • Medical Board of Australia

    SOLICITORS HELPLINE 1800 339 353

    Statute of Limitations

    With any personal injury claim, the plaintiff has a limited time after the occurrence of the alleged negligence in which to commence legal proceedings. Many States follow the “discovery rule” for medical negligence claims. Under the discovery rule, the statute of limitation begins to run from the time the plaintiff knew or should have known of the alleged negligence, with the time limit being 3 years in many jurisdictions. Special rules may also apply to children claiming medical negligence.

    It is important that you seek legal advice as soon as possible to avoid losing your right to sue, as failing to bring legal action within the legal time limit, may mean your claim becomes “statute-barred”.

    Call our legal team today to find out what time limit applies to your case.

    SOLICITORS HELPLINE 1800 339 353

    Doctor Negligence Solicitor

    Our legal team will assess whether your case appears to have merit, and if so, they will recommend that an investigation be conducted. An investigation of a medical negligence case usually involves the taking of a statement from the patient, review of medical and hospital records, and commissioning an independent report from a medical expert. You may have to contribute to the cost of disbursements (obtaining copies of your medical records and a medico-legal report), however you will not be asked to pay your solicitor’s professional fees. Your solicitor will not be paid their professional fees unless they are successful in obtaining compensation for you.

    If you would like further information on how a No Win No Fee agreement operates, please contact our legal team today.

    This website is not intended for viewing by residents of Queensland, Australia. There are laws which prohibit advertising of personal injury legal services

    in Queensland. If you were injured in Queensland or if you are a resident of Queensland, we are unable to refer you to a solicitor. This referral service

    is not available for any Queensland accident claims or claims connected with Queensland. This website operates by way of referral to specialist solicitors

    who may pay a commission to the operator upon receiving client contact information.



    Workers Work Injury Compensation Claims, 1300 911 142, claims for injury.#Claims #for #injury


    Workers Injury Compensation

    Workers Injury Compensation

    Claims Australia is here to provide you with appropriate contacts for whatever your matter might be. So if you have had an accident at work, sustained a psychological injury from your workplace environment, been involved in a motor vehicle accident travelling to or from work, or during working hours you can be sure that you will receive the right advice through Claims Australia. If you’re not sure what your rights are then it is highly recommended that you contact Claims Australia to seek free legal advice.

    Know Your Rights

    When suffering an injury at work it is important to know what your rights are whether your injury is temporary, on going or permanent. The legislation differs from state to state in Australia. To find out more about your legislation contact us on 1300 911 142.

    Employers always have Workers Compensation insurance

    It is mandatory for all employers to take out Workers Compensation insurance to cover all staff. Workplace injuries must be reported to your employers at the time of the injury and it is also important to attend a doctor’s appointment to have the injury investigated and documented. A workplace injury can be life changing so it is very important to discuss what you options are when in this position. Workplace dangers can be avoided but in most circumstances not all risks are obvious and can be over looked, therefore, it is just as much an employee’s responsibility as it is the employers to ensure you work in a safe hazard free environment.

    WorkCover pay Wages until you return to Work

    WorkCover are put in place to assist the injured worker to rehabilitate and get back into the workforce. This means that WorkCover can pay your wages while you require time off work to recover, paying for approved medical expenses to assist with rehabilitation and also providing you with a suitable return to work plan to build you back up to a normal working life.

    In some cases a workplace injury can be more severe, on going and even be found permanent. In this case it is best to speak to a specialist personal injury lawyer as there are further options for these types of circumstances. For these types of claims there can be STRICT LIMITATION PERIODS so call us as soon as possible so that you can protect your rights!

    Types of Workers Compensation Claims

    Workplace Physical Claim

    These can be anything from repetitive strain, ergonomic related injuries, industrial accidents, faulty equipment, heavy lifting, fatalities at work, etc. After an injury is sustained you need to advise your employer and consult your doctor as soon as possible and have your injuries investigated. Investigations maybe some sort of scan to diagnose your injury so you can then be treated for the injury. Your doctor will need to provide you with a ‘Workers Compensation Medical Certificate’ before you can lodge the Application for Compensation claim form. You will then receive a claim number from WorkCover and they will proceed to investigate the circumstances of the injury. Once investigations are complete WorkCover will accept or decline your application. Upon acceptance WorkCover will then pay wages and arrange suitable medical treatment to assist with rehabilitation. If WorkCover reject your claim, then contact us for more information to find out how to have this decision over turned. Once WorkCover find a worker ‘Stable and Stationary’ they will look at closing your claim and expect you to return to work. It is important to seek legal advice before this stage so you understand where to go from here.

    Permanent Impairment

    WorkCover will request an independent doctor to provide a permanent impairment assessment before closing your case. This assessment can provide you with a ‘Notice of Assessment’. This notice will enclose a break down in percentage form your Work related impairment and there may be a ‘lump sum offer’ included with this. Once you have received a Notice of Assessment you MUST NOT SIGN this document. You need to consult a specialist personal injury lawyer about proceeding with a Common Law Claim. If you do sign this document then you will sign away your rights for compensation which you will need in the future for your injury and which is compensation that you deserve.

    Common Law Claims

    A Common Law Claim is the most important part of the claims process when being severely injured. This is why we say DO NOT SIGN anything before discussing your rights and options with our specialist personal injury lawyers. When WorkCover makes a lump sum offer, this offer is binding and does not take into consideration any other expenses that you will incur due to your workplace injury. A Common Law claim looks at other damages factors such as, past and future economic loss, out of pocket expenses, future medical expenses and of course pain and suffering. When you factor all these extras in, the lump sum offer provided by WorkCover just won’t cut it for you and your family in the coming years. Again to pursue this claim STRICT LIMITATION PERIODS apply and differ state to state so contact us so we can provide you with the advice to help you understand the legal system!



    First Steps in a Personal Injury Claim, claim for personal injury.#Claim #for #personal #injury


    First Steps in a Personal Injury Claim

    The time just after you have been injured in a slip and fall or accident can often be a confusing and stressful. First an foremost, look after your health. But when you are ready, you can begin thinking about pursuing a personal injury claim for your injuries. Here are some frequently asked questions about the first steps in a personal injury claim.

    I was hurt in an accident. What should I do first?

    As mentioned in the introduction, the first thing that you should always do after being injured in an accident to look after your health. However, if you have already done this, then there are a number of steps that you can take that will help preserve your right to file a claim for your personal injuries. These steps are valid in most situations and there is no right order to take (note: if you need to file a claim against the government or a government agency, there are other specific steps that should be taken).

    • Collect evidence that can point to who caused the accident, as well as the damage caused by the accident. Photographs are useful here.
    • Write down everything that has happened to you after the accident. This may include things like medical bills, hospital visits, any lost work or wages, etc.
    • Be sure to get the names and contact information of any witnesses that may have observed the accident. Contact these people to confirm their contact information.
    • If you speak to other people that were involved in the accident, be sure to take notes about your conversation.
    • Tell anyone that you may file suit against that you are planning on filing a claim for your injuries and property damage.

    How long do I have to notify a person that I am filing a claim for my personal injury?

    If you are planning on filing suit against an individual or some other entity that is not the government or a government agency, there is not set time limit in which you have to notify that person of your intention to file a lawsuit. However, this does not mean that you should take your time with the matter. By acting quickly and efficiently, you will probably increase your chances of resolving your claim faster than if you delay.

    It is good to keep in mind that even though you notify people of your intent to file a lawsuit, this does not mean that you must file a lawsuit. By giving notice, you only preserve your rights and prevent the other parties from defending against a lawsuit by arguing that you waited too long to inform them of your injuries. By notifying the other parties, you simply ensure that you can proceed with negotiations regarding settlement and arbitration at your own speed, without feeling rushed.

    Is there a time limit in which I have to file my lawsuit to be compensated for my injuries?

    Yes. Settling a personal injury claim can be time consuming, and if you fail to file your claim in a timely manner, you may be completely out of luck in collecting any sort of compensation. There are laws on the books called statutes of limitations that give the maximum time you have to bring certain types of lawsuits. If this time period passes you up, you may be barred from ever bringing suit to recover for your injuries. You should always check on your state’s statute of limitations for your type of claim to ensure that the time period does not pass you by.

    How soon do I have to file a claim against the government for my personal injury?

    Unlike filing a claim against an individual or a company, if you need to file a claim against the government or a government agency or employee, you have a limited amount of time in which you must file a claim. Depending upon your type of case and the state you live in, this time period usually ranges between 30 days and one year. If you do not abide by these timelines, you may lose your right to recover any sort of compensation for your injuries or property damage.

    Get a Free Case Review Today

    Injuries cost money, including medical bills and time away from work, which is why it makes sense to have an attorney help you with your claim. But if you’re not quite sure whether you need professional legal help after an injury, have a lawyer review your claim first at no charge. Then, if you decide you have a claim you want to pursue, you can take that next step.



    Personal Injury Claims in Australia, 1300 911 142, claims for injury.#Claims #for #injury


    Personal Injury

    Personal Injury

    Generally in most states you have three (3) years from your date of injury to commence legal proceedings for a lump sum claim. In saying this, it is vital to instruct a lawyer well before the expiration of this limitation date as there are pre-court procedures that must be followed prior to commencing legal proceedings. Failure to commence court proceedings in time may result in your claim being statute barred, i.e. you lose your right to claim compensation forever. Different rules may apply where there is late diagnosis of your injury or for injuries which are sustained over period of time. It is vital that you obtain legal advice as to the limitation date for your injury based on your specific circumstances as soon as possible.

    In most states and for most types of injuries there are also limitation dates for lodging a claim form. Whilst this can sometimes be extended with a reasonable excuse for the delay, lodging the form outside the limitation date may result in unnecessary delays with your claim and further costs. There is also a risk that the excuse will not be accepted by the Insurance Company.

    Who is entitled to receive compensation?

    If you have been injured as a result of another person s negligence then you must first report the incident to the appropriate department or management responsible for the property.

    This may include accidents caused:

    by a motor vehicle including, vehicular and motorcycle accidents

    in a public place

    by a faulty product

    from negligence by a registered health provider

    If you have been injured in any of these circumstances then you may be entitled to pursue a claim for damages.

    What is a Common Law Claim?

    If you could answer these three questions, then commencing a claim for damages (Common Law Claim) may be for you:

    Was someone responsible for your injury?

    Do you require medical attention and on going treatment for your injury?

    Could your injury been prevented in any way?

    Obtaining legal advice and pursuing your personal injury matter with Claims Solicitors may get you compensation for past and future economic loss, medical expenses you will incur in the future, pain and suffering and also a lump sum payout. Pursuing a Common Law Claim is more beneficial as it looks at your past and future loses, and of course the pain and suffering sustained due to the account of the incident, this are factors that the insurance companies do not take into consideration.

    If you have sustained a personal injury where it has left you with a permanent disability as it was someone else’s fault, then commencing a Common Law Claim may be for you.

    Level 7/30 Makerston St, Brisbane City QLD 4000 , Australia Copyright 2010-2016 Internet IQ.



    No Win No Fee Personal Injury Compensation, Claims Direct, claims for injury.#Claims #for #injury


    claims for injury

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    Surprise dismissal of bankruptcy case seemingly prompted by change in claim ownership, how to claim bankruptcy for free.#How #to #claim #bankruptcy #for #free


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    How to claim bankruptcy for free

    Posted Fri, August 11th, 2017 3:29 pm

    Surprise dismissal of bankruptcy case seemingly prompted by change in claim ownership

    On Thursday, the Supreme Court took the unusual step of dismissing PEM Entities v. Levin, a bankruptcy case that had been scheduled to be heard this coming term. Occasionally, the court dismisses previously granted cases as “improvidently granted” before reaching the merits. This can happen when a party shifts its argument in its merits brief, when it becomes clear that a dispute is highly fact-bound, or when the justices discover that the case involves so-called “vehicle problems” that may prevent the court from reaching the merits.

    Such dismissals are fairly rare, but yesterday’s was particularly unusual, because it came merely six weeks after the grant and before the parties had filed their briefs on the merits. As is customary, the court’s order did not explain the reasoning behind the dismissal. The dismissal appears, however, to have been prompted by a joint motion that was filed on July 21 by the petitioner, PEM Entities, and another party, Province Grande Olde Liberty, LLC, which was attempting to step into the shoes of the respondents. This being a bankruptcy case, the various parties and their relative interests were already quite complex; post-grant changes to those interests revealed in the motion appear to have spooked the court.

    PEM Entities had purchased a large secured claim against PGOL at a steep discount, after PGOL had defaulted on the loan. Although PGOL was in default, PEM Entities did not move to foreclose on the loan immediately. PGOL was nonetheless unable to resolve its financial distress and ultimately filed for bankruptcy under Chapter 11, with its sole asset – a golf course and accompanying development – encumbered by PEM’s loan. The respondents in the Supreme Court, Eric M. Levin and Howard Shareff, were junior claims-holders who could recover from the bankruptcy estate only if the court did not treat PEM Entities’ loan as secured debt. Accordingly, Levin and Shareff brought an adversary proceeding against PEM Entities and PGOL seeking to “recharacterize” PEM Entities’ secured claim as equity. Although it was named as a defendant, PGOL, as the debtor facing the loss of its only asset to its secured creditor, unsurprisingly did not oppose Levin and Shareff’s recharacterization claim and did not participate in the appellate process.

    The bankruptcy court, following precedent of the U.S. Court of Appeals for the 4th Circuit, applied a “federal test” for recharacterizing the claim, which allowed it to consider both the discounted price at which PEM Entities purchased the loan as well as the fact that PEM Entities had decided not to foreclose immediately upon default. A number of other federal courts of appeals apply state-law-based tests for recharacterization that consider different factors. The district court and the 4th Circuit affirmed the bankruptcy court’s ruling based on precedent. PEM Entities filed a petition for certiorari; with an acknowledged circuit split over the competing tests for recharacterization, the case was a logical grant.

    But, as is typical of bankruptcy cases, the particular dispute between the parties that formed the basis of the petition for certiorari was only one of several disputes among competing groups of claimants. After the case was granted, a member of PGOL acquired Levin and Shareff’s financial interest in the case as part of the settlement of a different case in state court. That settlement gave PGOL the right to defend Levin and Shareff’s recharacterization claim. That is, although it was originally one of the defendants in the case, PGOL, the debtor, assumed the plaintiff’s position in the dispute that the Supreme Court had agreed to hear. Just shy of a month after the Supreme Court granted the petition, PEM Entities and PGOL filed a joint “Motion to Confirm Party Status” explaining this change and asking the court “to confirm that PGOL is a respondent in [the case], with a right to defend in this Court the judgment of the court of appeals.”

    Although the parties changed, the merits of the case remained the same; PGOL appeared ready to champion the position that the court had been expecting the original respondents, Levin and Shareff, to take. Nonetheless, the court appeared to find the unexpected change a reason to dismiss the writ of certiorari. The Supreme Court seems to have become particularly wary of vehicle problems in recent years – as exemplified by a relatively new policy of relisting cases before granting certiorari noted on this blog by John Elwood. The justices seem to have decided that this case was not worth the risk of hearing argument if there was some chance it might have to be dismissed later.

    Whether or not they intended it, the original respondents may have found a clever way to preserve their victory below: They made the case an intolerably complex vehicle after PEM Entities had prevailed in obtaining certiorari. Given how common and easy it is for parties in bankruptcy cases to sell their interests in particular claims, it remains to be seen whether this technique could become an effective strategy respondents in future bankruptcy cases can use to defeat certiorari after a grant.



    Claim legal definition of claim, how to claim bankruptcy for free.#How #to #claim #bankruptcy #for #free


    claim

    To demand or assert as a right. Facts that combine to give rise to a legally enforceable right or judicial action. Demand for relief.

    A claim is something that one party owes another. Someone may make a legal claim for money, or property, or for Social Security benefits.

    A claim also means an interest in, as in a possessory claim, or right to possession, or a claim of title to land.

    claim

    1) v. to make a demand for money, for property, or for enforcement of a right provided by law. 2) n. the making of a demand (assert a claim) for money due, for property, for damages or for enforcement of a right. If such a demand is not honored, it may result in a lawsuit. In order to enforce a right against a government agency (ranging for damages from a negligent bus driver to a shortage in payroll) a claim must be filed first. If rejected or ignored by the government, it is lawsuit time.

    claim

    Associated concepts: claimed use, disputed claims, doubtful claims, false claim, fictitious claims, fraudulent claims

    Foreign phrases: Debitorum pactionibus creditorum petiiio nec tolli nec minui potest.The rights of creditors to sue cannot be prejudiced or diminished by agreements beeween their debtors.

    claim

    Associated concepts: allowed claim, claim against bankrupt estate, claim against estate, claim and demand, claim arissng on contract, claim for alternative relief, claim for support, claim of a creditor, claim of interest, claim or defense notice of claim, claimed on appeal, claimed use, claims ex delicto, colorable claim, common law claim, compensation claim, conflicting claims, contingent claims, counter claim, court of claims, cross claim, disputed claims, doubtful claims, equitable claims, fictitious claims, fixed claims, fraudulent claims, frivolous claims, illegal claims, indeterrinate claims, individual claim, insurance claim, just claim, lawful claim, money claim, moral claims, particular nature of claims, prior claim, proof of claim, provable claim, seeured claim, settlement of claim, stale claim, subordination of claim, subsequent claims, undisputed claim, unliquiiated claims, unmatured claims

    Foreign phrases: Rogationes, quaestiones, et positiones debent esse simplices.Demands, questions, and claims ought to be simple.

    claim

    Associated concepts: claim of ownership, claim of right, claim of title

    claim

    Associated concepts: claim against an estate, claim and deeand, claim arising from a contract, claim for relief, claim of right, claim of title, compensation claim, contingent claim, counterclaim, court of claims, fraud claim, insurance claim, money claim, ownership claim, valid claim

    claim

    claim

    CLAIM. A claim is a challenge of the ownership of a thing which a man has not in possession, and is wrongfully withheld by another. Plowd. 359; Wee i Dall.444; 12 S. & R. 179.

    2. In Pennsylvania, the entry on of the demand of a mechanic or materialman for work done or material furnished in the erection of a building, in those counties to which the lien laws extend, is called a claim.

    3. A continual c1aim is a claim made in a particular way, to preserve the’ rights of a feoffee. See Continual claim.

    4. Claim of conusance is defined to be an intervention by a third person, demanding jurisdiction of a cause against a plaintiff, who has chosen to commence his action out of the claimant’s court. 2 Wils. 409; 1 Cit. Pb. 403; Vin. Ab. Conusance; Com. Dig. Courts, P; Bac. Ab. Courts, D 3; 3 Bl. Com. 298.



    Chapter 7 Bankruptcy Overview and Process, how to claim bankruptcy for free.#How #to #claim #bankruptcy #for #free


    Chapter 7 Bankruptcy

    A chapter 7 bankruptcy is also known as a debt liquidation. It wipes out all of the debt that the law permits to be discharged.

    Chapter 7 bankruptcy is designed as an orderly, court-supervised procedure by which a trustee collects the assets of the debtor(s), reduces them to cash, and makes distributions to creditors, subject to the debtor s right to retain certain exempt property and the rights of secured creditors.

    Because there is usually little or no nonexempt property in most Chapter 7 cases, there may not be an actual liquidation of the debtor s assets. These cases are called no-asset cases. Usually a debtors with assets that they wish to keep and that are not covered by exemptions file Chapter 13 bankruptcy.

    Home Mortgages, Car Loans, and Other Secured Debt

    When you borrow money and give the lender a mortgage or lien on your property, you have a secured debt. If the money you borrowed was used to purchase the secured property, the lender is entitled to recover the security if you file a chapter 7 bankruptcy.

    The debt will be discharged you will not owe any additional money to the creditor but unless you take additional steps, you will lose the property. If you have a mortgage loan, the lender will eventually be allowed to foreclose your mortgage. If you took out a car loan and gave a lien on the car to the lender, the lender will eventually be able to repossess the car. You can always choose to surrender the property rather than dealing with the hassle of a foreclosure or repossession.

    You do have alternatives under chapter 7 that allow you to keep your secured property. Before you file your chapter 7 petition, you can negotiate with the lender to reaffirm the debt. The lender might be willing to extend your loan so that the payments are more affordable. The lender might also be willing to rewrite the loan to include delinquent payments in the new loan balance.

    If discharging your other debts will free up the funds you need to make payments on your secured debt, the lender might agree to reaffirm your loan despite your bankruptcy filing. It is important that you negotiate with your lender before you file bankruptcy, because it is more difficult to negotiate the terms of a reaffirmation agreement after you file your chapter 7 petition.

    Another alternative allows you to keep your property if you pay its current value to your lender. For instance, if you owe a $5,000 balance on a car that is only worth $2,000 due to depreciation, you can keep the car by paying a lump sum of $2,000 to your lender.

    Unsecured Debt

    Most debts you owe that are not secured by collateral, including most credit card debt, can be fully discharged in a chapter 7 bankruptcy. Some loans for which you gave collateral might also be treated as unsecured if you did not purchase the collateral with the loan proceeds.

    Debts That Cannot be Discharged

    Some debts cannot be discharged in a chapter 7 bankruptcy, including most taxes, judgments for damages resulting from drunk driving accidents, alimony and child support arrearages, and (except in rare instances) student loans.

    The Bankruptcy Estate and Exempt Property

    Unless it is exempt, all property you own (and all property your spouse owns if you file jointly) becomes part of the bankruptcy estate. The bankruptcy trustee assigned to your case can sell property in the bankruptcy estate and use the proceeds to pay your creditors.

    State and federal laws define the property that is exempt. You can keep exempt property. Most states allow you to keep a certain amount of equity in your home. You can usually keep one or more vehicles up to a specified value. Household goods, clothing, and personal effects of ordinary value are usually exempt, along with a certain amount of cash. Since exemptions vary from state to state, you need to consult with your bankruptcy attorney to determine which exemptions apply to you. In many cases, debtors who file a chapter 7 bankruptcy can keep everything they own.

    Before You File a Chapter 7 Bankruptcy

    After you consult with your bankruptcy attorney, you can begin to plan the steps you need to take to file a chapter 7 bankruptcy. Before you file, you need to:

    Make sure you are eligible. Only debtors who can pass a means test qualify for a chapter 7 bankruptcy. Your attorney can help you perform the calculations to determine whether you are eligible to file under chapter 7.

    Plan the timing of your bankruptcy. Sometimes it makes sense to delay filing bankruptcy, particularly if delay will allow you to keep a tax refund.

    Negotiate to reaffirm secured debts. If you have a mortgage and want to keep your home, or if you want to continue making payments on a car loan so you can keep your car, you need to negotiate a reaffirmation agreement before you file your chapter 7 petition.

    Attending credit counseling. With the six months prior to the date on which you file bankruptcy, you must attend credit counseling provided by an approved credit counseling agency. Consult your bankruptcy attorney so you can avoid credit counseling services that will try to sell you services you don t need.

    Prepare the bankruptcy petition. You will work with your attorney to prepare a bankruptcy petition to file with the court. In the petition, you will list all of your income and debts. You will also list all of your assets and their approximate value. If you claim an asset is exempt from inclusion in the bankruptcy estate, you must specify the exemption in the petition.

    Chapter 7 Bankruptcy Procedure

    The chapter 7 petition is filed with the Clerk of the Bankruptcy Court. This is what you should expect after you file your petition:

    Entry of automatic stay. As soon as the petition is accepted for filing, an automatic stay goes into effect. The Bankruptcy Court mails notice of the stay to each creditor you listed in your petition. The stay prevents your creditors from making further efforts to collect the debt from you unless they can persuade the court to lift the stay.

    First meeting of creditors. A few weeks after you file the petition, you and your attorney will attend a meeting with the bankruptcy trustee appointed to your case. The trustee will ask you some questions about your petition to verify that it is accurate and complete. Your creditors are entitled to attend the meeting and to question you, although they rarely do so unless they suspect that you are hiding assets or committing some other form of fraud. Typically, your participation in a First Meeting of Creditors will last only a few minutes.

    Review claims of creditors. Your creditors must file a claim with the court if they want to get paid. If you object to the amount of the claim or dispute the debt, you can file an objection that the trustee or the Bankruptcy Judge will resolve.

    Adversary proceedings. In rare cases, a creditor might challenge your right to discharge a certain debt, or there might be a dispute about the value of certain property or your right to claim an exemption. In those cases, the court will hold a hearing to resolve the dispute.

    Debtor education course. Within 60 days after you file your chapter 7 petition, you must attend a debtor education class. The class teaches you how to live within a budget and how to manage debt responsibly.

    Wait for your discharge. A few months after you file your chapter 7 petition, the court will enter an order that discharges all of your dischargeable debts. You can then take advantage of your fresh start, free from the burden of unmanageable debt.

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    Home, Quantum Claims, claims for injury.#Claims #for #injury


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  • Making an Injury Claim for Whiplash After an Accident, claims for whiplash.#Claims #for #whiplash


    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.

    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.



    Compensation for a Whiplash Injury – What – s Fair Value, claims for whiplash.#Claims #for #whiplash


    Getting Fair Compensation for a Whiplash Injury

    In a whiplash injury claim, victims are forced to take certain legal steps to retain their ability to recover compensation for damages caused by another negligent party. Though most whiplash injury claims are settled well before going to trial, the best chance a victim has in obtaining a settlement offer may be through filing a lawsuit against potentially liable parties and then working on negotiating a settlement.

    The nature of damages relevant to whiplash injuries also factor into the timing filing a claim or lawsuit. In most cases of whiplash injuries, the true extent of the physical damages suffered by a patient, most notably to their soft tissues in the cervical (neck) region, are not readily apparent immediately following an accident or injury. Often, the full extent of symptoms may take several days up to a week to be recognized by both patients and legal professionals. Moreover, this is only applicable to relatively minor whiplash injuries, whose symptoms will likely dissipate on their own in due time.

    In more serious cases, whiplash injuries can pose prolonged and immediate medical issues for victims. Though often written off as nuisance claims, whiplash injuries are actually very serious medical injuries, depending on the extent of the over extension of the soft tissues and ligaments in the neck. The cervical region is integral for appropriate mobility and physical comfort, and any significant alteration or damage to this region in a victim does pose potentially lifelong complications affecting their physical ability to move and live free of pain. Like other soft tissue injuries, though, whiplash is hard to document in medical records (it doesn’t show up on x-rays or other diagnostic tools) making the claims process a little more difficult.

    Duration of Pain Impacts The Claim Value

    Most whiplash-type injuries go away within a week, and even the most serious cases will see a patient be symptom-free within three months.

    So, if you’ve been experiencing lingering symptoms of a neck injury — stiffness, pain, limited mobility, tingling, numbness, and other signs that something isn’t right — you may have something more significant than a standard “whiplash” injury. Long-lasting symptoms like these could indicate that you have suffered damage to your cervical spine (the uppermost C1 to C7 vertebrae) — including injury to the intervertebral joints or discs. It could also mean that you have damaged your cervical muscles or ligaments, or injured the nerve roots in that area of your neck.

    In any case, lingering symptoms of neck injury should not be ignored or dismissed as “whiplash.” Get medical treatment, and if your symptoms aren’t going away, be persistent with your doctor until you’re starting to see positive results.

    This is obviously important for your overall health and well-being. But it’s also important if you’re involved in an injury-related insurance claim or personal injury lawsuit. It’s crucial to have documented medical evidence (i.e. treatment records and doctor bills) for every injury you are claiming if you want to get a satisfactory resolution to your case.

    The Claims Process Concerning Whiplash Injury

    Again, only an attorney can accurately advise victims on the best method to pursue legal claims related to whiplash personal injuries. However, most often, filing suit against negligent and potentially liable parties is one in a number of steps that may ultimately lead to a settlement offer. In many cases, victims must first recognize and document the damages relevant to their claims before notifying any party of their intent to sue. In addition, a plaintiff (victim) should also evaluate their claim from a legal standpoint, asking whether a given claim is actually viable or not.

    How Much Can You Expect to Receive?

    Settlement values or trial verdicts for whiplash vary greatly, but most cases or mild to moderate whiplash will be valued between $2,500 and $10,000. More serious cases involving treatment (typically physical therapy) over several months may cost the defendant upwards of $30,000. Neck injuries beyond soft-tissue damage, affecting the nerves or vertebrae, can easily wind up with settlements or verdicts exceeding $100,000.

    When to See an Attorney

    Only an attorney can advise victims of whiplash injuries with any amount of success. Without the use of an attorney or lawyer for their personal injury claims related to whiplash injuries, victims will most likely fail to file viable claims against liable parties or will be grossly unprepared to handle any claims settlement negotiation in a favorable manner. Consult with legal counsel to confirm, retain, and pursue your legal rights following a whiplash accident and injury.



    The whiplash lie detector, claims for whiplash.#Claims #for #whiplash


    The whiplash lie detector

    Claims for whiplash

    Claims for whiplash

    2:31PM BST 01 Aug 2011

    ‘I just cannot believe that a bump at snail s pace could have caused an injury like that, says Claire Coleman, a motorist who earlier this year accidentally shunted the car in front while in traffic near her south London home. The driver of the Vauxhall Zafira got out, saw there was no damage and drove off. Claire assumed that would be the end of it, but was astonished to find out a couple of months later that the driver had claimed for a whiplash injury, and won more than £2,000.

    There was absolutely no visible damage to either car not even a scratch or a tiny dent, she says.

    As Claire discovered, we are in the middle of a whiplash epidemic. Compensation claims for the neck injury now stand at three quarters of all personal injury claims as a result of a car accident. And the insurance industry is convinced that many are fraudulent.

    Seventy-six per cent is twice the average for other European countries, says a spokesman for the Association of British Insurers (ABI). It s unlikely we ve got some of the weakest necks in Europe.

    This compensation cash machine is having a disastrous effect on our insurance premiums: according to the AA, in the first four months this year they shot up by a record 40 per cent.

    Related Articles

    But now the insurance industry is fighting back with what has been privately dubbed the whiplash lie detector test. It doesn t measure heart rate, blood pressure or skin moisture, but instead is a sophisticated piece of software into which you feed details of the accident. So in goes the speed of the crash, the weight of the cars, the visible damage and lastly the type of cars. The so-called WITkit (for Whiplash Injury Toolkit) then gives you a probability that the person claiming whiplash injury is telling porkies.

    Early indications are very positive, says Peter Shaw, chief executive of Thatcham, the industry s automotive test centre. The feedback we ve had is that it can accelerate the claims process.

    Thatcham is well placed to devise such a test because of its globally recognised work in rating car seats for their ability to prevent neck injury in a crash.

    So if you accidentally hit a car rated either good or acceptable for whiplash protection (the 2006 Vauxhall Zafira that Coleman hit falls into the latter banding), your car is lighter (Coleman was driving a VW Polo) and the damage was minimal, then the software will flag up the high probability that the person you crashed into is fabricating their pain.

    It has to remain a probability because doctors still can t be certain whether a patient is suffering or not.

    You re unlikely to see any evidence because, if it s there, it s all in the soft tissue, says Richard Cuerden, technical director for vehicle safety at the Transport Research Laboratory. And that, he believes, is the big drawback of Thatcham s lie detector. It ll be able to say that, for these five per cent, pay out straight away. And for those five per cent, don t. But for the 90 per cent in the middle, we just don t know.

    And that s not going to change, according to Cuerden, until we get radical. It s time we did some human testing, simulating a rear-end crash on a sled. You could map out a threshold speed below which we could say, you wouldn t have an injury in a modern car with a good seat. That way [WITkit] would cover, say, 40 per cent of the people instead of just five.

    Without an effective test for injury, and egged on by lawyers who take a handsome cut, British drivers are putting in more personal injury claims, fuelling a rise of more than 70 per cent from an average between 2000 and 2005 of 395,735 to 674,997 in 2009. The ABI estimates total fraud now costs the industry £2 billion a year, with compensation payouts totalling £9.4 billion a year. Remove the fraud perpetrated by anyone from organised crash-for-cash gangs to opportunistic students and the ABI says our premiums will automatically drop by £50 a year.

    Until then, costs will keep rising, as Claire Coleman discovered recently when her insurance renewal came through: the whiplash claim had bumped up her premium by 25 per cent, to more than the cost of her car.

    The Government has given a strong indication that it will ban referral fees paid by car insurance companies to claims solicitors, after Jack Straw, the former Justice Secretary, drew attention to the widespread industry practice at the end of June, calling it a huge racket .

    Lord McNally, the Justice Minister, told the House of Lords earlier this month that the Government was sympathetic to the idea of a ban on referral fees and is looking at how to tackle the issue as part of wider reforms .

    Investigating the huge rise in car insurance earlier this year, the Transport Select Committee said in its report that over 40 per cent of personal injury lawyers pay referral fees to receive work from insurers or claims management firms .

    The fees range from £200-£1,000 per case and reflect the staggering amount an accident victim is worth to a claims solicitor. The report said that fees may be paid and received by insurance firms, vehicle repairers, rescue truck drivers, credit hire firms, claims and accident management firms, law firms and medical experts .



    Calculating Your Personal Injury Settlement – Injury Claim Calculator, claim for personal injury.#Claim #for #personal #injury


    Calculating Your Personal Injury Settlement

    Suffering a personal injury can have devastating, long-lasting effects. Recovering from physical pain is only the tip of the iceberg. Rehabilitation, loss of wages from missed work, loss of personal property, disruption of your daily life, stress and worry all weigh heavily on victims. It is the magnitude of the sum total of all of these factors that must be considered when attempting to quantify the amount of personal injury compensation.

    Note: Use of this form and this website is meant for informational purposes only and should not be considered legal advice. Speak with a lawyer to obtain more information about your potential claim.

    Special Damages – Bills and Financial Costs

    While every case is different, courts and insurance companies both must use some sort of equation to determine how much a personal injury claim payout should be. In order to find the right number, they must gather a straight-forward, objective list of all expenses incurred from the injury first, then add in the more subjective factors to arrive at the final compensation amount.

    The first part of the equation is simple. A sum total of every provable financial expense that was a direct result of the accident or injury is calculated. This number usually includes, but is not limited to:

    • Medical Bills
    • Damaged or Lost Property
    • Cost of Medication
    • Hospital Stay
    • Rehabilitation
    • Lost Wages
    • Cost of Medical Equipment
    • Expenses Paid Out of Pocket

    Once these items are added together, that gives you a starting dollar amount. These items are the first half of your overall Damages. Some courts refer to these quantifiable dollar amounts as Economic Damages, Medical Special Damages or even just “Specials.” This number is straight-forward and easy to prove.

    General Damages – Pain and Suffering

    The other half of the equation is harder to pinpoint because it more difficult to assign a dollar amount to emotional turmoil and pain and suffering. The term General Damages encompasses all of the more subjective suffering as a result of your injury. These General Damages can include:

    • Emotional Turmoil
    • Physical Pain
    • Stress
    • Disruption of Daily Lifestyle
    • Loss of Enjoyment
    • Loss of Consortium
    • Recklessness or Gross Negligence (for injuries resulting from another party)

    General Damages Multiplier

    Because these General Damages cannot be calculated using bills to create a sum total, insurance companies and courts turn these General Damages into a Multiplier for their compensation formula.

    The Multiplier can vary anywhere from 1.5 to 5, depending on the extent of the General Damages. The worse the General Damages were for the victim to endure, the higher the Multiplier number will be, which results in a higher overall payout.

    Compensation Formula

    The Compensation Formula generally looks like this:

    $Special Damages x General Damages Multiplier (1.5-5) = $Total Compensation Paid

    Sample Case

    If Susan suffered a car accident where the provable sum total of her expenses equaled $12,000, that means that her Special Damages number is $12,000.

    If Susan suffered nightmares about the accident, plus the emotional distress over driving again, plus she missed out on a possible work opportunity, and her injuries prevented her from enjoying her relationship with her spouse and family, that may earn her a General Damages Multiplier of 2.5.

    Susan’s Compensation Formula would be:

    Special Damages x General Damages Multiplier = Total Compensation Paid

    $12,000 x 2.5 = $30,000

    Each Case Is Different

    It is important to note that every case is different and many insurance companies will not want you to know that they are using a formula like this one to calculate your payout. It could work to your benefit to have this information, but not share it so the other party will not know if you value your own multiplier as less than they would.

    Your best bet is to hire a Personal Injury Lawyer who can help you gather the information you need to accurately calculate and argue for your highest compensation payout.

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    Injury Claim Information:

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    Types of Personal Injury Compensation

    In personal injury claims, there are varying types of compensation that are divided into specific categories. Insurance companies often use personal injury calculators to determine how much of each Continue Reading.

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    General Damages Multiplier Pain and Suffering

    How Much Am I Owed? When you are fighting for compensation after a personal injury, one of the first things you and your lawyer will need to do is to calculate the amount of money you are owed by Continue Reading.



    Why Your Workers – Compensation Claim Could Be Denied, claim for compensation.#Claim #for #compensation


    Why Your Workers Compensation Claim Could Be Denied

    Workers’ compensation insurers deny many legitimate claims, forcing honest and innocent employees to hire a lawyer and go through the workers’ compensation system to enforce their rights. Why do they deny rightful claims? Some of the main reasons why workers’ compensation insurers deny claims are the following:

    • your injury was unwitnessed
    • you didn’t report your injury immediately
    • there is a discrepancy between your accident report and initial medical records
    • your initial medical records indicate the presence of illegal drugs in your system
    • you filed a workers’ compensation claim after you were fired or laid off
    • you refused to give the insurance company a recorded statement or refused to sign medical authorizations.

    Your Injury Was Unwitnessed

    Workers’ compensation insurers never like unwitnessed injuries. They question the vast majority of unwitnessed accidents. If you get hurt at work and no one saw your accident, there is nothing that you can do about that. But you should certainly make sure to report the injury to your co-workers and to your supervisor immediately, and you should make sure that you tell everyone the exact same thing about how your injury occurred.

    You Didn’t Report Your Injury Immediately

    Workers’ compensation insurers don’t like cases where the accident doesn’t get reported immediately either. They assume that, if you don’t report the accident immediately, you weren’t really hurt. Moreover, most states’ workers’ compensation laws require you to report work related injuries within a short time period, sometimes in as little as seven days. Don’t wait. If you get hurt at work, and you think that your injury has the slightest chance of causing you to miss any work, report it immediately to a supervisor and fill out an accident report. That will comply with the law and will help your chances of getting benefits as soon as you need them.

    There is a Discrepancy Between Your Accident Report and Initial Medical Records

    Insurers will often deny workers’ compensation claims if the employee’s statements about how the accident happened are inconsistent. If you tell your supervisor that the accident happened one way, but tell your doctor that the accident happened in a different way, that will hurt your case. Make sure that, when you tell co-workers, supervisors, people in the personnel office, and health care providers about the accident happened, you are consistent.

    Your Initial Medical Records Indicate the Presence of Illegal Drugs in Your System

    If an employee goes to the emergency room after a work-related accident, and the emergency room records show illegal drugs in the employee’s system, the insurer is almost definitely not going to voluntarily pay workers’ compensation benefits to that employee.

    You Filed a Claim After You Were Fired or Laid Off

    Sometimes, employees who were legitimately injured at work delay filing a workers’ compensation claim and by the time they get around to filing the claim, they get fired or laid off. Insurers never like workers’ compensation claims that are filed after the employee gets fired or laid off. They almost always assume that the claim is nothing more than a revenge claim. This is another reason not to wait to file a claim if you have a legitimate work related injury. If you get laid off before you file your claim, you are going to have a difficult time convincing the insurer and the workers’ compensation judge that you really did have a work related injury.

    You Refused to Give the Insurance Company a Recorded Statement or Refused to Sign Medical Authorizations

    Workers’ compensation insurers will often ask injured employees to give a recorded statement describing the accident and the injuries. Unfortunately, that puts the employee in a difficult position. As a general rule, giving a statement will not help an injured employee who does not have a lawyer. Nor is the employee legally required to give the insurer a recorded statement. If the insurer asks for a statement, that is usually a sign that the insurer has a problem with the case. If the employee gives the statement, the insurer is still probably not going to put that employee on workers’ compensation benefits. But if the employee refuses to give the statement, then the adjuster can tell the employee that his/her failure to give the statement prevented the insurer from starting compensation benefits.

    Insurers will also generally ask the employee to sign medical authorizations that will allow the insurer to write directly to the employee’s health care providers to get the employee’s medical records and bills. Again, the employee generally has no legal obligation to sign medical authorizations. An injured employee who is filing a workers’ compensation claim does have the obligation to give his/her medical records and bills relating to the work accident to the insurer, but he/she can meet that obligation by simply getting the records on his/her own and sending them to the insurer.

    However, insurers don’t like when employees do that. They don’t trust injured employees. Insurers like to get the medical records on their own. That way they can be sure that they get a complete file, not one that has been cherry-picked. The problem with medical authorizations is that sometimes the insurer will invade your privacy and get medical records that do not relate to the work accident.

    If the insurer pushes you to sign a medical authorization and you would prefer not to sign one, then you should contact a workers’ compensation attorney immediately, and let him/her deal with the insurer.



    Adds disability compensation claim status feature – VAntage Point, claim for compensation.#Claim #for #compensation


    VAntage Point

    Claim for compensation

    VAntage Point

    Official Blog of the U.S. Department of Veterans Affairs

    Vets.gov adds disability compensation claim status feature

    Simplified, mobile approach allows Vets to more easily check claim status

    Claim for compensation

    Claim for compensation

    There’s a common misperception that VA-and-DoD’s eBenefits web portal is singularly synonymous with “checking your claim.” Although claim status is one of several dozen features on eBenefits, it’s also one whose implementation many Vets felt could be improved.

    Enter vets.gov, the VA transaction-based website. Yes, you will now be able to track the progress of your disability compensation claim online at Vets.gov.

    Let’s back up, though, to address on question: Why?

    What I mean to say is that we’ve heard you. That we’ve taken your suggestions to improve the claim status tracker. And since it’s one of our most-popular features, we’ve brought it—new and improved!—to the Vets.gov experience.

    The claim status tracker is now simpler to use, easier to read, more responsive, 508 compliant, and best of all—it’s designed for mobile. These are the suggestions you—and other Veterans just like you—have told us in interviews, focus groups, surveys, testing and other feedback that we’ve received.

    After you create a Vets.gov account, give it a whirl. We believe you’ll find it easier to understand. Look for clearer language, a cleaner and less-distracting design, an easy-to-navigate interface, and less-confusing steps in the timeline. Where there used to be eight steps in the claim process, there are now only five:

    1. Claim received
    2. Initial review
    3. Evidence gathering, review and decision
    4. Preparation for decision notification
    5. Complete

    At the moment, disability compensation is the only claim status currently available on Vets.gov. Other claim types will be added in early 2017. This is also true for VA benefits in general: soon, you’ll be able to discover, apply for, track and manage all your VA benefits at vets.gov.

    The eBenefits Portal is an online resource for tools and benefits-related information for wounded warriors, Veterans, Active Duty Servicemembers, their families, and those who care for them. The portal will remain active until Vets.gov is fully built.

    Author

    Jason Davis served five years in the 101st ABN, including two combat tours to Iraq. He’s currently an M.A. candidate in Writing at Johns Hopkins University and serves as social media administrator for the Veterans Benefits Administration.

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    Victims Information Service: Getting compensation, claim for compensation.#Claim #for #compensation


    Victims’ Information Service

    Getting compensation

    You may be eligible for compensation if you:

    • are a victim of a crime
    • are a close relative of someone who has died because of a crime
    • witnessed a serious crime, intervened and were seriously injured

    There are many ways to get compensation. The most common are listed below in order of priority.

    1: Insurance

    You may be able to make a claim through different policies:

    • your insurance may cover a property crime like theft or vandalism. You’ll probably be asked for a crime reference number

    If you disagree with an insurer’s decision you can apply to the Financial Ombudsman.

    If you disagree with an employer’s decision, you can speak to ACAS.

    2: Benefits

    There may be benefits you can claim if you’re recovering from serious injuries.

    If a relative has died, you may be entitled to bereavement benefits.

    If you disagree with a benefits decision, you can apply to the Social Security and Child Support Tribunal.

    3: Court

    If the court decides an offender is guilty, the judge may make them pay you a sum of money as part of their sentence. This is called a Compensation Order.

    4: Compensation from Government

    • This government fund is available to blameless victims of violent crime who can’t get compensation elsewhere
    • It can take a long time for a claim to be investigated and compensation paid

    You’ll need to apply within 2 years of reporting the incident and have cooperated with any investigations. CICA will let you know if any other conditions might be relevant.

    There are a lot of organisations that offer free advice and can help you apply. You won’t need to use a solicitor or claims management company. Enter your postcode in the box at the bottom of this page to find help where you live.

    CICA can also provide compensation for those affected by recent terrorist attacks.

    Glossary

    A government document which sets out how you can expect to be treated by the police if you witnessed a crime, and if you have to give evidence in court. Different versions are available, including an easy-to-read brochure as well as the full charter in English and Welsh.

    If you’re worried about your safety online

    For information or for help with this site call 0808 168 9293

    It’s free from a landline, but you may be charged if you call from a mobile

    About Victims’ Information Service

    This nationwide service helps you find local support after a crime takes place. It brings together information on what will happen after reporting a crime, the people you might meet, the help you should get and how to complain if something goes wrong.

    All content is available under the Open Government Licence v3.0, except where otherwise stated