Many first responders are afflicted with heart disease, hypertension, hepatitis, chronic back injuries, hearings loss, and more. These conditions can be work-related, as a matter of law, regardless of the actual cause of the condition or whether it occurred on or off duty. Although these conditions may be work-related legally, employers and insurance carriers often wrongfully deny claims. This is where we can step in. For first responders, a work injury involves much more than a simple workers’ compensation claim. There are employment, pension and Social Security issues that overlap and affect each other. Our years of experience enable us to work to ensure that every client receives the maximum benefits he or she is entitled to.
Workers' compensation is a form of insurance providing wage replacement and medical benefits to employees injured in the course of employment in exchange for mandatory relinquishment of the employee's right to sue his or her employer for the tort of negligence.
A disability pension is a form of pension given to those people who are permanently or temporarily unable to work due to a disability. It is distinct from welfare.
Personal injury is a legal term for an injury to the body, mind or emotions, as opposed to an injury to property. Depending upon the intent or negligence of a responsible party, the injured party may be entitled to monetary compensation from that party through a settlement or a judgment.
Social Security Disability Insurance (SSD or SSDI) is a payroll tax-funded, federal insurance program of the United States government. It is managed by the Social Security Administration and is designed to provide income supplements to people who are physically restricted in their ability to be employed because of a notable disability, usually a physical disability.
The FRS Pension Plan is a defined benefit plan, in which you are promised a benefit at retirement if you meet certain criteria. The amount of your future benefit is determined by a formula, based on your earnings, length of service, and membership class, and is adjusted by a 3% cost-of-living each July (adjustment only applicable for FRS service earned prior to July 1, 2011). Your benefit is pre-funded by contributions paid by your employer.
A Will is a written legal document, which sets forth what is to happen after a person's death to his or her property and who is to be named as guardian to care for any minor children. Probate is the process of having a Will, proven in court to be the Last Will and Testament so it can serve as an instrument to transfer title to assets.
Medical malpractice is professional negligence by act or omission by a health care provider in which the treatment provided falls below the accepted standard of practice in the medical community and causes injury or death to the patient, with most cases involving medical error.
Wrongful death is a claim in common law jurisdictions against a person who can be held liable for a death. The claim is brought in a civil action, usually.