Are you thinking about converting your short-term disability to a long-term disability (LTD)? It’s a big decision, and switching from short-term to long-term disability can be stressful. When deciding to transition, there are many things to take into account, including how long you will be on disability, your financial situation, and the kind of disability insurance you have. Short-Term vs Long-Term Disability? Short-term disability insurance cover is used to replace lost income for those who are unable to return to work due to an injury or illness, and lasts for three to six months or up to one year. On the other hand,...[ Read More ]
When you are unable to work due to a disability, one of the first things you must do is file for disability compensation. If you have a disability at work, this will most likely be your first option. However, if you have been out of work for a significant period of time and no longer have disability insurance, you have another alternative. If you have a work record, you may be eligible for SSDI, or Social Security Disability Insurance. Disability Insurance Through Social Security [caption id="attachment_938" align="alignright" width="300"] Social Security Disability Insurance may be helpful for you. Talk to us...[ Read More ]
With spring upon us the days are getting longer and the weather is getting nicer. It’s time to catch up on all those projects around the house that you put off in the winter. That means trips to the hardware store and in your downtime getting out and about to enjoy the sunshine. However you’re not alone out there. Better weather means more traffic, road construction, and increased chances of automobile accidents. You usual commute may take longer than expected as a result. Spring also tends to be the time for new driver to practice their skills. Changing your driving...[ Read More ]
With the somewhat sluggish economy, some of us may have put off some much needed household repairs. While this may seem not to be a big deal, if someone is injured on your property you may be held liable if they are injured while on your property. Household hazards need not be something major like a hole in the roof or floor to pose a danger. A loose floorboard or an oil slick on the driveway may be enough to cause a slip that results in an injury and a claim against you. As a property owner it is your...[ Read More ]
While none of us like to think of a future where we are not around to take care of our families it is an eventuality that we must all face someday. Here at Cunnane Law we strive to make the process as easy as possible to make sure your whishes are honored. We make the process simple and convenient by sending out a questionnaire for you to fill out at your convenience which we will then use to draft out your Will and Estate documents for your approval. After you have approved these documents we will set up a time...[ Read More ]
After being injured in an auto accident is no time to start learning how to navigate the insurance world on your own. You may already be burdened with medical expenses and car repairs while being unable to work due to your injury. This is where a navigator or personal injury lawyer comes into play. They can help you file the proper paperwork and insure that everything is done by the book allowing you to focus on what you need to do to get better. The insurance company is a business. They make their profits by paying out the least amount...[ Read More ]
In the moments after an accident has occurred you may be disoriented or in a heightened emotional state. This is not the time to be making any type of formal statement to an insurance adjuster about the incident. In my book What every Injured Victim in Washington State Must know to avoid getting Ripped Off!, I discuss this as one of the common blunders that can destroy your accident settlement. You can find my book at www.cunnanelaw.com. The insurance adjuster will want to get you to make your statement as soon as possible, not to help you but to increase the...[ Read More ]
Accidents can happen anywhere. They might be the result of nature, distractions or neglect. You can minimize injuries in your home by creating a safe environment. Keep Medication and Chemicals out of Reach - If you have chemicals or medications in your home, clearly mark the containers and store them in a safe place out of reach by children and animals. Maintain Property – Decks with broken floor boards or overgrown trees near power lines can be the perfect recipe for an accident. Keeping up with maintenance can help prevent accidents. Pools and Hot Tubs – Keep pools and hot...[ Read More ]
After a car accident, driving can become stressful. Merging onto the freeway may raise your heart rate, change your breathing and put you into a cold sweat. PTSD or Post Traumatic Stress Disorder may develop after experiencing a traumatic event such as a car accident that threatens your safety or makes you feel helpless. So how do you deal with Post Traumatic Stress after an accident? For most people symptoms are only temporary lasting days, weeks or months and decrease as time goes on. Symptoms may be triggered by something that reminds you of the original traumatic events. There are...[ Read More ]
Stress slows healing by blocking the delivery of nutrients throughout the body. Elevated levels of cortisol can increase depression, obesity, insomnia, heart disease and digestive problems. So if you are recovering from an accident and are experiencing excessive stress then here are some ways to decompress and rid your body of the stress hormone, cortisol. Exercise – Go for a walk though nature, do yoga or play a sport. Exercise helps circulate nutrients in your body and reduces levels of cortisol. Cortisol’s purpose is to promote the release of glucose, your body’s source of fuel. Meditate – Close your eyes...[ Read More ]
