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Do I Have A Valid Michigan Workers’ Compensation Claim?

September 30, 2014 by Howard Slusky Leave a Comment

Do I Have A Valid Michigan Workers’ Compensation Claim?

Workplace accidents and work related illnesses occur far more often than most people realize. Sometimes the injuries are minor and the illness not serious; however, all too often a worker suffers serious injuries or a debilitating illness as a result of his or her employment. If you sustain injuries in a Michigan workplace accident, or you believe your illness is a result of your employment, you could be entitled to benefits from the Michigan workers’ compensation system. First, you must determine if you have a valid Michigan workers’ compensation claim.

The Michigan workers’ compensation system provides benefits to workers who are suffering a workplace injury or illness. The benefits available include medical treatment, wage loss replacement, and even things such as rehabilitation or death benefits when appropriate. The first step in determining if you have a valid claim is to determine if you are a covered worker.

Most, but not all, workers in Michigan are covered by the Michigan workers’ compensation system. Some common situations where you may be exempted from workers’  compensation include:

  • Workers covered by the federal workers’ compensation
  • Workers who work for a very small company
  • Agricultural workers
  • Some family members
  • Independent contractors

Next, you must ask yourself if your injury or illness “arose out of and in the course of the employment”. Only injuries and illnesses that satisfy that test are covered by workers’ compensation. For the most part, injuries sustained while at work are clearly work related; however, there are some common situations where it is not so clear. For example, if you were driving to work in the morning and you were involved in a car accident, the injuries clearly did not “arise out of and in the course of the employment” and are not eligible for workers’ compensation benefits. If, however, your boss called you and asked you to stop and pick up some office supplies on the way to work, would the injuries sustained in the car accident be covered by workers’ compensation? These scenarios are harder to analyze; however, there is a good chance you would be covered.

Because it can be complicated to navigate the Michigan workers’ compensation system it is best to consult with an experienced Michigan workers’ compensation attorney right away if you believe you have suffered a compensable injury or illness.

How Long Does It Take to Resolve a Personal Injury Case?

September 25, 2014 by Howard Slusky Leave a Comment

How Long Does It Take to Resolve a Personal Injury Case?

If you are injured in an accident in Michigan you may be entitled to compensation if another party caused, or contributed to, your injuries. The law allows a victim to pursue damages from an at-fault party if the injuries were the result of a personal injury accident. Understandably, one of the most frequent questions we are asked by victims of a personal injury accident is “ How long does it take to resolve a personal injury case? ” Because of the unique nature of a personal injury case it is impossible to provide a simple answer to that question; however, understanding the factors that go into determining how long it takes to resolve a case may be helpful.

 

  • Type of case – various types of “accidents” fall under the purview of personal injury law. Some are easier to litigate than others. A simple car accident case, for example, tends to be easier to resolve than a complicated product liability case involving an auto manufacturer.
  • Extent of injuries – before the parties can even begin to negotiate a settlement your injuries must have reached a point referred to as “maximum medical improvement”. Essentially, this means that although you may not be back to where you were before the accident you have reached a point at which the doctors do not anticipate you will improve much more. Only then can negotiations begin. Therefore, the more serious your injuries the longer it will take to settle your case or prepare for trial.
  • Determining fault – for a victim to be entitled to damages (compensation) the defendant must first be found to have been at fault. This requires the plaintiff (injured party) to prove the defendant was negligent, intentionally injured the plaintiff, or that strict liability applies. If the defendant denies fault, it can take much longer to resolve a personal injury case.
  • Defendant’s willingness to settle – most personal injury cases are settled without the need for a trial. This, however, depends on the defendant’s (or the defendant’s liability insurance carrier) willingness to settle the case. If the defendant is not willing to settle it will typically take months, even years, to get a case to trial.
  • Plaintiff’s expectations – along with the defendant’s willingness to settle the plaintiff must also have realistic expectations when it comes to settling a case. Holding out for a large sum of money if the injuries do not warrant it can cause a simple case to drag on unnecessarily.

 

If you have been injured in a personal injury accident in the State of Michigan, consulting with an experienced Michigan personal injury attorney is the best way to get an idea how long your case will take to settle.

When Are You Considered Disabled for Social Security Disability Insurance (SSDI)?

September 24, 2014 by Howard Slusky Leave a Comment

When Are You Considered Disabled for Social Security Disability Insurance (SSDI)?

At some point in your life you may suddenly find yourself unable to work because of a disability. The sudden, unexpected inability to provide for you and your family may be frightening. Fortunately, help may be available through the Social Security Disability Insurance, or SSDI, program. Administered by the Social Security Administration, or SSA, the SSDI program is a federally funded program that pays benefits to people who are unable to work because of a medical condition that is expected to last at least one year or that is expected to result in death; however, there are certain basic criteria that must be met to qualify for SSDI. Determining your eligibility for benefits begins with filling out the SSDI application.

 

Applying for SSDI benefits can be a lengthy and complicated process, requiring much supporting medical evidence and paperwork. Time for a decision may take up to 5 months. Many applicants choose to work with an experienced SSDI attorney to increase the odds of being approved without the need to appeal. To begin you must meet earning requirements. There is a “recent work” test, which calculates the amount you earned in relation to the time of your diagnosis and a “duration of work” test, which calculates how long you have contributed to Social Security through employment. If these criteria are met, the remainder of the decision is based on your medical condition. In addition to the basic application for disability benefits, there are other forms you will need to fill out. One form collects information about your medical condition and how it affects your ability to work while others provide doctors, hospitals and other health care professionals who have treated you permission to send information to the SSA to help evaluate your application.

Once your application has been filed, it will be reviewed to determine if you have met the basic income requirements. Then it will be forwarded to the Disability Determination Services office in your state. This agency is the one that determines your disability based on information from agency doctors and disability specialists and reports back to the SSA. Information that may be collected from your doctors includes:

  • What your medical condition is;
  • When your medical condition began;
  • How your medical condition limits your activities;
  • What the medical tests have shown; and
  • What treatment you have received.

It is important to note that the agency, not your doctors, decides who is disabled. According to the SSA, the decision is based on 5 questions:

  1. Are you working?

If you earn more than you would receive in SSDI benefits, then you are not eligible. If not, then your medical condition is considered.

  1. Is your medical condition severe?

Your condition must significantly limit your ability to do basic work activities—such as walking, sitting and remembering—for at least one year, and/or will result in death.

  1. Is your medical condition on the list of impairments?

If the severity of your medical condition meets or equals that of a listed impairment, which is a list of severe conditions per law, the state agency will decide that you are disabled. If not then step 4 is considered.

  1. Can you do the work you did before?

If yes, your benefits are denied. If no, then step 5 is considered.

  1. Can you do any other type of work?

The agency evaluates your medical condition, your age, education, past work experience and any skills you may have that could be used to do other work. If you are able to work, you are not disabled; if you cannot work, you are disabled.

Once all of the information is considered, a decision will be made. A letter will be sent to you stating your application was denied and explaining why, or an approval along with a benefit summary. If you feel the agency should not have denied your application you have a right to appeal the denial. Because the application and appeals process is complicated, the assistance of an experienced Michigan Social Security benefits attorney can be invaluable when navigating the system.

Free Report: Compensation in a Michigan Personal Injury Accident

September 24, 2014 by Howard Slusky Leave a Comment

Compensation in a Michigan Personal Injury Accident

As the victim of a personal injury accident in Michigan you may be entitled to economic and non-economic damages in most cases. Economic damages are usually out of pocket expenses such as lost wages, medical bills, or property damages. These are typically easily quantifiable as you will have a bill, receipt, or statement showing the amount.

Topics covered in this report include:

  1. Are My Injuries the Result of a Personal Injury Accident?
  2. Establishing Fault
  3. Economic, Non-Economic and Punitive Damages
  4. Special Considerations

Click here to read the whole article or download the PDF.

 

Are Trucking Accident Cases Different than other Motor Vehicle Accident Cases?

September 23, 2014 by John Walt Leave a Comment

Are Trucking Accident Cases Different than other Motor Vehicle Accident Cases?

If you were injured in a trucking accident chances are good that you suffered serious injuries. If the truck driver caused, or contributed to, the collision you may be entitled to compensation for those injuries. Litigating a trucking accident case is fundamentally the same as any other motor vehicle accident; however, there are some important differences that do make trucking accident cases different than other motor vehicle accident cases.

The extent and severity of the injuries involved is one distinguishing feature of trucking accidents. While injuries from a passenger vehicle crash can also be severe, a victim stands a much better chance of being seriously, even fatally, injured when a tractor-trailer is involved in a collision. When injuries are severe or fatal, it typically takes longer to settle a motor vehicle accident case.

The most important difference though in a trucking accident case is that there are frequently multiple defendants involved. If a truck collides with your vehicle, you may end up including a variety of parties as defendants in the lawsuit, including, but not limited to:

  • Truck driver
  • Trucking company
  • Owner of the cargo
  • Manufacturer of the tractor-trailer
  • Maintenance company/provider

Litigating a case where multiple defendants are involved is much more complicated than a case with just one defendant. First, it must be determined that someone was negligent. To be entitled to any compensation, you will have to prove that someone other than you was over 50 percent at fault in the collision. If multiple defendants are involved, it must then be determined which of the defendants share in that negligence and to what extent. For example, let’s assume that the truck is determined to be 100 percent at fault in an accident wherein you stopped suddenly and the truck rear-ended you because it was following too close. It turns out, however, that proper maintenance was not performed on the truck, causing the brakes not to operate properly. That, in turn, made the accident worse than it should have been. Therefore, the trucking company might share some blame for not making sure the maintenance was performed properly. The maintenance provider might also share some blame for shoddy workmanship. Of course, the truck driver is also at fault for following too closely. Those three parties will eventually be responsible for 100 percent of you injuries; however, dividing up the fault can be an arduous process that will likely require the assistance of an accident reconstruction expert – another common difference in trucking accidents.

Ultimately, a trucking accident case will be resolved in the same way as any motor vehicle accident case – by out of court settlement or trial. Trucking accident cases are just more complex and often take more time to reach a resolution.

If you have been injured in a trucking accident, or have lost a loved one in one, contact an experienced Michigan trucking accident attorney as soon as possible to determine if you are entitled to compensation for your injuries or your loss.

Free Report: Michigan Medical Malpractice – The Basics

September 20, 2014 by Howard Slusky Leave a Comment

Michigan Medical Malpractice The Basics

Not all mistakes made by a healthcare professional amount to medical negligence; however, when a medical error does qualify as medical negligence the victim, or survivors in the case of a fatal error, may be entitled to compensation for the resulting injuries.

Topics covered in this report include:

  • Medical Errors in the United States
  • Common Medical Errors
  • What Is Medical Negligence?
  • Proving Medical Negligence — Why Medical Malpractice Lawsuits are Different
  • Compensation in a Michigan Medical Malpractice Lawsuit

Click here to read the whole article or download the PDF.

How to Prove Medical Negligence

September 18, 2014 by John Walt Leave a Comment

How to Prove Medical Negligence

Healthcare professionals are capable of making mistakes just like the rest of us. Unfortunately, those mistakes can have serious, even deadly, consequences. If you believe that you are the victim of one of these mistakes you have the basis of a medical malpractice lawsuit. First, however, you must determine if the mistakes rises to the level of “medical negligence”. For an error made by a healthcare professional to be compensable you must first prove medical negligence.

The number of medical errors committed by doctors and other healthcare professionals each year in the United States is difficult to determine; yet, the number is thought to be staggering. Studies estimate that anywhere from 100,000 to half a million (500,000) people die as a result of medical errors each year in the United States. Not all mistakes made by healthcare professionals, however, amount to medical negligence. For a mistake to be considered negligence, the act or omission by the health care provider must have fallen below the accepted standard of practice in the medical community and caused injury or death to the patient. In other words, would another doctor (nurse, hospital etc.) have done the same thing under the same circumstances?

Because medical negligence is determined by looking at what a reasonable professional would have done, or not have done, under the same circumstances, proving medical negligence always require expert testimony by a healthcare provider –usually another physician or specialist. For example, if the error committed was failure to diagnose cancer by an oncologist, you will likely need another oncologist to testify that the defendant should have made the proper diagnosis given all the information available regarding the patient at the time of the failure to diagnose.

Although medical malpractice lawsuits are similar in concept to any other type of personal injury lawsuit, in practice they are often very different. For example, many states require the victim to submit the proposed claim to a medical board before moving forward with the lawsuit. In addition, many states require the victim to have an expert who is prepared to testify that the defendant’s acts or omissions were negligent.

Because of the inherent complexity of a medical malpractice lawsuit, and the difficulty in proving medical negligence, it is imperative that you consult with an experienced Michigan medical malpractice attorney early on in the process.

 

Michigan Workers’ Compensation Death Benefits

September 17, 2014 by John Walt Leave a Comment

Michigan Workers’ Compensation Death Benefits

Unfortunately, workplace accidents occur far more often than most people realize in the United States. In most cases, those accidents result in injuries that can be treated; however, sometimes a workplace accident or even a work related illness results in death. When that occurs, survivors may be entitled to death benefits from the Michigan workers’ compensation system. If you lost a spouse or parent to a workplace accident or illness you could be entitled to those benefits. Only an experienced Michigan workers’ compensation attorney can evaluate your specific situation and provide individualized advice and guidance; however, a basic understanding of the benefits that may be available to you as a survivor is a good place to start.

 

First, the estate of the decedent is entitled to a burial allowance of $6,000. That benefit applies even if there are no qualified survivors. In addition, survivors who qualify as a dependent of the fatally injured worker may also be entitled to wage loss benefits. Children of the decedent are presumed to have been dependent on the deceased worker. Anyone else, including a spouse, must prove that they were actually dependent on the deceased worker to be entitled to benefits. It is possible to have been only partially dependent on a decedent. In that case, you would receive benefits but at a reduced rate.

 

Wage loss benefits that a dependent is entitled to are usually calculated in the same manner a wage loss benefits payable to an injured worker. That is to say that a dependent would receive 80 percent of the after-tax value of the deceased worker’s wages at the time of the injury or illness. There is, however, a minimum benefit amount that is equal to 50 percent of the state average weekly wage at the time of the injury or illness.

 

For all dependents except a minor child, death benefits are paid for up to 500 weeks. The number of weeks benefits are paid is reduced if the worker received any benefits prior to his or her death. For minor children, benefits typically continue until age 18; however, it is not uncommon for a court to order benefits to continue until age 21, or longer if the child is physically or mentally incapacitated.

 

Death benefits can dramatically ease the financial hardship caused by the loss of a family member; however, navigating the Michigan workers’ compensation system to get approved for those benefits can be difficult. If you believe that you qualify for death benefits as a survivor, consult with an experienced Michigan workers’ compensation attorney as soon as possible.

Hours of Service Rules for Truck Drivers

September 16, 2014 by Howard Slusky Leave a Comment

Hours of Service Rules for Truck Drivers

In the United States we continue to depend heavily on the trucking industry to move goods and merchandise from point A to point B. As a result, the nation’s highways and roadways are typically saturated with tractor-trailers at any given time of the day or night. Unfortunately, this also means that large trucks are frequently involved in collisions – often with tragic results. One common cause of trucking accidents is driver fatigue. Despite the Hours of Service Rules, or HOS rules,  for truck drivers imposed by the U.S. federal government, truck drivers often continue to drive when they are too tired to be behind the wheel. If you have been injured in a Michigan trucking accident, or have lost a loved one to one, a better understanding of the HOS rules may help you determine if the defendant was in violation of those rules and, if so, if that violation contributed to the collision.

Truck drivers make their living behind the wheel. Frequently, they are paid by the load or by the mile driven. This provides an incentive to drive more and drive farther. As far back as the early 1940s efforts were made to try and limit the number of hours a truck driver could drive without a sufficient rest period. Since then, various schemes have been implemented by the Federal Motor Carrier Safety Administration, or FMCSA, to ensure that truck drivers aren’t driving while drowsy. The FMCSA is the federal agency responsible for promulgating and enforcing safety rules for the trucking industry in the U.S. The goal of the HOS rules is to ensure that truck drivers don’t drive for too long at one time and don’t spend too many cumulative hours behind the wheel each week. The most recent changes to the HOS rules took effect in July of 2013 and include the following provisions:

  • Limiting the maximum average work week for truck drivers to 70 hours, a decrease from the previous maximum of 82 hours;
  • Allowing truck drivers who reach the maximum 70 hours of driving within a week to resume if they rest for 34 consecutive hours, including at least two nights when their body clock demands sleep the most – from 1-5 a.m., and;
  • Requiring truck drivers to take a 30-minute break during the first eight hours of a shift.

Truck drivers who violate the HOS rules can be fined and/or have their Commercial Driver’s License (CDL) suspended or revoked for multiple violations. Trucking companies that allow, or even encourage, drivers to ignore the HOS rules can also be fined or lose their license to operate.

A violation of the HOS rules is not, per se, proof of negligence on the part of a truck driver involved in a collision; however, it can certainly be evidence that the driver was driving while fatigued which may have caused, or contributed to, the collision.

If you have been injured, or lost a loved one, in a Michigan trucking accident, contact an experienced Michigan trucking accident attorney right away  to determine what legal options you may have.

What Is a Contingent Fee?

September 11, 2014 by Howard Slusky Leave a Comment

What Is a Contingent Fee?

For the average person, one of the biggest concerns they have when faced with a legal problem is how to afford the services of an attorney. After all, experienced and skilled legal representation is not usually free. Fortunately, for certain types of legal matters attorneys routinely accept payment in the form of a contingent fee instead of charging a flat fee or charging by the hour. Understanding what a contingent fee is and how it applies to your case is important if your attorney is accepting a contingent fee as payment.

Attorneys typically collect their fees using one of three methods – flat fee, hourly rate, or a contingent fee. A flat fee payment arrangement means that the attorneys has agreed to represent you for the duration of a case, or to complete a legal matter, for a pre-determined fee that will not change regardless of the time it takes to conclude the matter. An attorney might, for example, charge you X dollars to prepare a Last Will and Testament or to represent you in a criminal prosecution. You may be required to pay the entire fee upfront or be allowed to make payments.

When an attorney charges you an hourly rate it means the attorney will keep track of all the time your attorney as well as his or her staff spends on your legal matter. You are then charged for that time at the agreed upon hourly rate. Typically, when you are charged by the hour you will be required to pay a retainer fee up front. Time spent on your case is then charged against the retainer fee until it runs out at which point you will need to replenish the fee fund. Most civil litigation is charged using an hourly rate fee.

In both the flat fee and hourly rate arrangements a client must have money up front for the attorney. When an attorney’s fee is based on a contingency fee arrangement, however, the client is not required to pay anything up front. Personal injury cases, for example, usually use a contingency fee. Instead of paying anything up front you agree to give the attorney a percentage of the settlement or award money if the attorney is successful. For example, imagine that you were in a car accident and you hired an attorney to sue the at fault driver. The attorney is able to negotiate a settlement for $80,000. Your contingency fee arrangement calls for the attorney to earn 30 percent, or $24,000. Keep in mind, however, that doctor bills and other expenses may need to be paid first.

Contingency fee arrangements are also common in workers’ compensation cases and federal benefit cases, such as SSI and SSDI. Although the rate cannot change once it has been agreed upon, it is not unusual for an attorney to charge a higher percentage if the case goes to trial or is appealed to a higher court. If you enter into a contingency fee arrangement with a Michigan personal injury attorney be sure that you understand the terms before moving forward.

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Slusky & Walt, P.C.

Attorneys at Law
248-559-9100

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