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Monthly Archives

January 2016

Can You See Your Doctor for Workers Comp Treatment?

By Employment Resources

medical-563427_960_720Experience an injury or accident at work, and you’ll file a workers compensation claim and receive medical treatment at no cost to you. In these cases, you may prefer to see your own doctor who knows you and your medical history. Is that possible?

What Happens During Your First Workers Comp Doctor Visit?

During the initial doctor’s visit for your workers comp claim, the doctor will examine you and recommend treatment. He or she will begin the necessary claim paperwork and can also authorize any required time off work or restrictions in the duties you can perform.

Which Doctor Can you See?

The rules about doctor selection in workers comp cases vary by state. In most workers comp cases, you’ll be assigned a doctor that’s chosen by your employer’s workers comp insurance carrier. You might, however, live in a state that allows you to choose any doctor in a certain network that’s determined by your state, your employer or your employer’s insurance company. In this case, you still have some flexibility and say in who you see.

Can You Switch Doctors?

Despite strict workers comp rules, you do have the freedom to switch doctors after the initial visit and any time during ongoing treatment. Check with your HR department for information on if or how often you can switch. Then be sure the new treating physician completes the correct documentation that ensures your treatment continues to be covered by workers comp.

Can You Choose Your Preferred Doctor?

If you don’t like your options and insist on seeing your primary care physician, make sure he or she takes workers comp claims. The process is complicated, and your doctor may choose not to participate.

Perhaps your doctor does handle workers comp claims but is not in your company’s network. Submit a document in writing to your HR department before you’re injured and express that you wish to see only your chosen doctor.

In certain cases, you may insist on seeing your regular physician no matter what doctors are covered by your workers comp. Understand that you will pay for the treatment. None of the doctor visits, medication or ongoing treatment will be covered by your employer. However, you can continue to see your physician for other conditions that are covered by your regular health insurance.

Getting treated for an injury at work requires you to file a workers comp claim. Understand how the process works and which doctors you can see as you receive the medical treatment you need.

How to Avoid Three Common Early Retirement Pitfalls

By Employment Resources

piggy-bank-1019758_960_720Congratulations on your early retirement! Whether you elected to retire early or weren’t given a choice, you now have time to travel, pursue hobbies or spend more time with family. You can also remain financially secure during year early retirement when you avoid three common pitfalls.

  1. Spend Too Much Too Soon

Just because you have access to a lump sum of money doesn’t mean you should spend freely. Take time to think before you start buying. You don’t want to run out of money and be left scrambling to find a job or other ways to supplement your income.

Avoid this pitfall when you create a budget. Figure out exactly how much money you need each month to live and where that money will come from. Remember to include annual expenses like insurance premiums, vehicle inspections and taxes. Set up an emergency, fund, too, to cover unexpected expenses like burst pipes or illness.

Next, limit retirement account withdraws. Ideally, you want your funds to last as long as possible, so elect to withdraw only take the necessary minimums if possible.

Make every effort to live within your means, too. Your retirement should be fun and enjoyable, so plan a vacation, buy a boat or invest in a hobby if you can afford it. However, you don’t want to sacrifice financial peace of mind for instant gratification simple because you’re retired.

  1. Rely on Factors you Can’t Control

Some retirees plan their budget based on consistent investment results, no health insurance premium increases and a steady home value. These factors aren’t ones you can control, though.

For security, be prepared to adapt. Consider getting a part-time job or boosting the amount of money you save each month. Perform a complete financial review at least once a year, too, and adjust your lifestyle, spending or retirement portfolio if necessary. Your flexibility and willingness to adapt could mean the difference between financial freedom and disaster during your retirement.

  1. Take Social Security Early

You’re eligible for Social Security payouts when you turn 62. Your benefits last longer, though, if you wait a few years.

 

Use an online Social Security calculator to figure out the best time for you to start withdrawing your benefits. You can also discuss your options with a financial advisor. Being smart you’re your Social Security withdraws can mean you have more financial security throughout your retirement.

Early retirement can be a blessing, especially when you plan your finances wisely. Take time today to begin a financial assessment. Keep these early retirement pitfalls in mind as you make the most of your early retirement.

Basic Tax Return Deductions Explained

By Employment Resources

calculator-385506_960_720April 15, the deadline for filing federal taxes, will be here before you know it. Get ready now by understanding basic deductions you can take.

Standard Deduction

Whether you file as a single or married person, you receive a standard deduction on your taxes. The basic standard deduction in 2015 is:

  • Single and married filing separately: $6,300
  • Married couples filing jointly: $12,600
  • Head of household”: $9,250

Taxpayers who are over 65 years of age, fully or partially blind, or both receive a larger standard deduction. There are also exceptions to the standard deduction. It won’t apply if:

  • You itemize deductions
  • You’re married but file separately and your spouse itemizes deductions
  • You, or your spouse if you file a joint return, is a non-resident alien for any portion of the tax year
  • You file a return that covers fewer than 12 month

Student Loan Interest

In addition to your standard deduction, you can deduct the student loan interest you, your spouse if filing jointly or your dependents paid. The maximum deduction is $2,500, but your income can affect this amount.

Mortgage Interest

Deduct the mortgage interest you pay on your home if you meet three guidelines. You must itemize deductions, make payments on a qualifying home and be legally liable for the mortgage.

Property Taxes 

Pay property taxes on a property you own, and you can deduct those payments. This deduction applies even if your taxes are paid via an escrow account.

Medical Expenses

If your qualifying medical expenses exceed 10 percent of your adjusted gross income, you can deduct them. They must be related to a medical diagnosis, cure, treatment or disease prevention and can include medications, health and dental insurance, medical devices and equipment, long-term care and transportation costs. Be sure to save detailed records if you plan to take this deduction.

Charitable Donations

Donations you make to charity can be itemized and deducted on your tax return. You must donate to a qualified organizations and not an individual. Remember to assign a fair market value to items you donate and obtain a written receipt from the organization.

Unreimbursed Job Expenses 

Sometimes, you may drive your vehicle to meet clients, pay for your hotel when traveling for work or buy business cards. Ordinary and necessary job-related expenses are deductible if your employer does not reimburse you for those expenses.

These are just a few examples of deductions you can take when you file your taxes. Your accountant can provide additional details. Discuss any special considerations with your Human Resources office, too, as you prepare your tax return this year.

How to Tell Your Boss that You’re Pregnant

By Employment Resources

pregnant-393364_960_720Telling your family and friends about your pregnancy is easy. Telling your boss the big news can be a little scarier, though. He or she might question your job performance or commitment to the company. Learn several tips that help you feel confident about telling your boss that you’re pregnant.

Before you Share the News

After you confirm your pregnancy, take time to read your employee manual. Understand your company’s leave policies as you anticipate multiple doctor appointments and maternity leave. Review the prenatal and postpartum care your health insurance covers, too.

When to Tell the Boss

You can wait to share the news until after your first trimester ends. By 12 weeks, your risk of miscarriage decreases, and your baby bump may begin to show.

In certain cases, you will want to tell your boss about your pregnancy by eight weeks: 

  • You have severe nausea.
  • Your pregnancy is high risk.
  • You work at a physically strenuous job or around chemicals.
  • You need special accommodations, including less travel or lighter duty.
  • You work from home.

You definitely want to have the big talk before 20 weeks. Not only will your baby bump be visible and more difficult to hide, but you’ll also want to start planning your maternity leave. Discuss details like how long you’ll be off, who will take over your duties and if you’ll check in during your maternity leave or totally unplug.

 

Where to Have the Talk

When you’re ready to share your pregnancy, choose a private place and select a time when your boss is not rushed or stressed. Consider scheduling an appointment to talk at work or offer to take your boss for coffee or to lunch. Remember to discuss your pregnancy with the Human Resources manager, too.

What Not to Do

Do not wait until the last minute to share the good news. Your boss will need time to plan projects and coverage for your duties while you’re on maternity leave.

You also don’t want your boss to be the last one in the office to hear the news. Word travels quickly, and it’s unprofessional to tell the boss important news last.

Don’t be afraid of losing your job, either. Employers are legally prohibited from discriminating against pregnant women, and you can pursue legal action if your boss intentionally reduces your workload, pressures you to quit or fires you because of the pregnancy.

Your pregnancy is an exciting experience. Stay professional at work when you follow these tips as you share your big news with your boss.

Could Your Social Media Posts Get You Fired

By Your Employee Matters

mobile-phone-1087845_960_720

Almost everyone has a social media account these days. Whether you’re a loyal Facebook fan or write a regular blog, you need to know how your social media activity affects your job.

First Amendment Rights

According to your First Amendment rights, you have freedom of speech. This basic right protects you from the government, but it does not offer you protection from a private company. Your employer has the right to tell you what you can and cannot post on your social media accounts and to discipline or fire you based on your online activity.

Legal Rights

You’ll need to turn to laws other than the Constitution to defend what you say online. When you post to your blog or on social media, consider these laws that some states have passed.

  • Off-duty conduct laws protect you from being fired for something you do on your own time.
  • Protections for political views allow you to express your political views and affiliation.
  • Concerted activity protections fall under the National Labor Relations Act. You and your coworkers can communicate about your job or working conditions online or offline and join together to express your concerns to your boss.
  • Prohibitions on retaliation laws assist you when your rights are violated because you post about an incident of discrimination, harassment, wage violation or other illegal action.
  • Protections for “whistlebloggers” can assist you when you write about safety concerns or illegal occurrences in the workplace because you are performing a public good.


How to Stay Out of Trouble

While these laws can protect you, consider ways you can avoid trouble as you maintain your social media presence.

First, be nice to your coworkers. Posting hateful comments, criticizing someone’s weight or harassing a coworker is mean and could be ground for dismissal.

Second, leave racism and bigotry offline. Whether you’re joking or serious, racist or bigoted comments reflect poorly on you and on your employer.

Third, keep secrets. Confidential information, trade secrets and other private details about your company should not be shared in any way on social media.

When do you Need a Workers’ Compensation Lawyer

By Your Employee Matters
lawyers-1000803_960_720When you file a Workers’ Compensation claim, you may need professional help. A lawyer can assist you in making sure you receive the medical treatment and financial compensation you deserve after you are injured at work.

You may not need an attorney if:

*Your workplace injuries are minor.
*Your injury does not cause permanent bodily function loss.
*You can return to work after resting a few days or weeks.
*You feel comfortable returning to work after treatment.
*You are willing to sign the settlement with your employer’s Workers’ Comp insurance company and release your right to file in the future for compensation or medical care for your injury.
You will need a Workers’ Comp lawyer if:
*You need surgery because of your injury.
*You have pre-existing disabilities.
*You will no longer be able to work regularly in any job.
*You cannot return to work at your current job but are able to work in a different capacity.
* Your health will remain compromised because of your moderate to severe injury, and you will qualify for permanent partial disability.
*You want to dispute the claim decision made by your employer, the employer’s insurance company or the Workers’ Comp division in your state.
*You wonder if you are receiving the correct benefits or if you qualify for additional benefits.
* Your medical benefits claim is denied.
*Your employer disputes the decision of your state Workers’ Comp division.
*You want assistance understanding and navigating the Workers’ Comp process.

Even if none of these conditions apply, you can still hire an attorney. It’s your right to have legal representation as you navigate medical treatment, understand the paperwork and negotiate with your employer. Your attorney can also advocate for you and assist you in applying for benefits like Social Security disability.
When you’re ready to hire a Workers’ Compensation lawyer, contact one that specializes in your type of claims. Then request a free consultation. The initial meeting usually lasts 30 to 40 minutes and gives you time to share details of your claim. The attorney can then advise you on whether or not you need legal representation and if he or she wants to take your case.  In most cases, Workers’ Comp attorneys receive payment on a contingent basis, which means they get paid a portion of any benefits you receive. You will own nothing if you don’t win the case.
 Deciding to hire a Workers’ Compensation attorney is a big decision. Before you move forward, consider whether or not it’s essential. You can find details of your company’s Workers’ Comp plan when you talk to your Human Resources director.

Six Tips for Building Trust in the Office

By Your Employee Matters

friends-1027840_960_720

Workplace trust plays a role in your team’s success and productivity. It also improves client relations and boosts resiliency after a challenge. You and your team can build trust in six key ways as you improve performance and camaraderie at work in 2016.

  1. Be Honest

Telling the truth every time lays the foundation for trust in your office. Your coworkers won’t have to guess if you’re telling the truth or if they can trust what you say.

Even if being honest places you at a disadvantage or could have painful consequences for you, a coworker or a client, always tell the truth. Remember that the truth will come out eventually, so it’s better to be honest upfront.

  1. Avoid Stealing

Stealing photocopies, paper clips or time gives your coworkers an opportunity to doubt your credibility. Make every effort to avoid stealing as you demonstrate that you can be trusted.

  1. Exercise Good Judgment

There’s a time and place to share information. Use good judgment as you decide when, where and how much to share.

This truth-building step can be used to protect coworkers’ and clients’ private information and competitors’ proprietary information. It also prevents you from speaking or sharing unsolicited or blunt judgment before you know all the fact.

  1. Watch Your Body Language

Even though you’re not talking, your body language works for you as it invites people to talk to and trust you. Practice looking your coworkers and clients in the eye when you interact, and stand with an open posture instead of with your arms crossed or your hands clenched.

  1. Look for Ways to Exhibit a Mutually Beneficial Attitude

Anyone who looks out only for him or herself will not earn a reputation as someone who can be trusted. Genuinely care about your coworkers and client, and work hard to nurture relationships that are two-sided. Be gracious about giving and receiving constructive criticism, too, as you create a mutually beneficial culture of trust.

  1. Be Consistent

When you live a consistent lifestyle of truth, you don’t have to worry about getting caught in a lie or remembering which story you told your coworkers. Your constant performance at work also builds trust since it shows your coworkers that they can count on you. So be on time and stay until your shift is over, perform your best on every job and do what you say every time.

Are you ready to build trust and a safe working environment at your place of employment? Taking these steps will improve relationships, productivity and success for you and your company in 2016.

 

 

Questions Employers Can’t Ask During Job Interviews

By Your Employee Matters

interview-clip

Are you planning to look for a new job in 2016? Job interviews can be intimidating, especially when you know you’re up against stiff competition. Interviewers also sometimes ask personal questions that can be uncomfortable to answer. There are guidelines that determine which questions a potential employer can ask interviewees. As you anticipate landing a new job this year, understand which questions an interviewer cannot ask and how you could potentially respond.

Which Questions are Off-Limits?  

Title VII is the portion of the Civil Right Act that addresses employment discrimination. While it doesn’t include a specific list of off-limits questions, it does stipulate that employers cannot ask anything that could be used to discriminate against someone. Here are a few questions that are too personal for job interviews.

*What is your race, color or ethnicity?

*How old are you?

*Are you disabled?

*Are you married?

*Do you have children or plan to have children?

*Are you pregnant?

*Are you in debt?

*What is your political affiliation?

*What is your religious affiliation?

*Do you drink or smoke?

How Can You Respond if You’re Asked a Personal Question?

Despite the guidelines, interviewers do want to get to know you and may inadvertently ask a personal question as you chat. Getting angry, threatening to sue or storming out of the interview are in bad taste and guarantee you won’t get hired. However, you can handle the situation in two ways as you maintain your dignity and retain the relationship.

Consider this example of two ways you can respond when a hiring manager asks you if you have children.

  1. Tackle the personal question head-on. Respond by affirming that you are committed to your job, will put in long hours and can work from home if necessary. Remind the interviewer of how you handled responsibilities as a parent in your past jobs, too.
  2. Bring the conversation back to your qualifications. Despite the discomfort of the question, you’re really at the interview to discuss why you’re qualified for the job. Point out your sales record or leadership success as you gently steer the conversation back to why you deserve to be hired.

If a potential employer insists that you answer these questions, politely end the interview and walk away. You do not want to be caught in a situation that could hurt you in the future or work for a company that disrespects you.

Be prepared for your next job interview when you know some of the questions you cannot be asked and ways to respond. Being ready could actually help you get the job you want.

Safety FIRST

By Construction Insurance Bulletin

doctor-1015626_960_720“Safety first” doesn’t just mean that safety is important. “Safety first” is actually a suggestion for the order in which things should be done. Before anything else, we should think about safety.

In other words, before you’ve even hired anyone onto a job site, you should have an answer for the following questions:

-Do We Have First Responders On-Site?

Small construction crews typically won’t have on-site paramedics, but this becomes necessary with larger projects. An on-site first-responder can mean the difference between a worker taking a couple weeks off to heal, and a worker needing to collect six months of worker’s comp.

-Where’s the Nearest Hospital?

Make a note of nearby emergency rooms and other medical facilities. It may prove quicker to drive an injured worker directly to the emergency room rather than wait for an ambulance.

-Do You Have a First-Aid Kit?

If there’s no first-aid kit on site, there shouldn’t be any workers on site, either. They’re not that expensive and they’re more than worth the investment.

-Do You Know How to USE a First-Aid Kit?

Do you know how to apply a tourniquet, and more importantly, do you know why you usually shouldn’t apply a tourniquet? You don’t need to go through medical school to be able to put a first-aid kit to use, but you should take the time to familiarize yourself with basic treatment such as how to apply pressure to a wound. You can find some useful information at http://www.ready.gov/kit

-Have Your People Been Trained?

Before anyone so much as picks up a hammer, make sure that everyone knows what to do in the event of an emergency: Where to drive, who to call, where the first aid-kit is and so on. Make sure everybody you work with knows the answers to all of the above listed questions.

You should also be sure to make a note of emergency contact numbers and fire exits and to familiarize your staff with these points.

Safety isn’t something you do in response to an emergency, safety is the foundation of the workplace, something that you think about before you think about anything else. You’ll save life and limb by putting safety first, plus you’ll be able to meet your deadline more easily, make it less likely that you have to cash in on your insurance policy, and you’ll save your clients a pretty penny, as well.

 

 

The Origins of Worker’s Compensation

By Construction Insurance Bulletin

knowledge-1052013_960_720Read about how workers were treated in the old days and it can be a little scary. Few industries were as brutal for the worker as mining, but it’s generally safe to say that companies didn’t really care about the people who worked for them 150 years ago.

That being said, we tend to think of progress as being a straight line: Things used to be bad, now they’re not so bad. In truth, worker’s compensation is a very old concept. As far back as 2050 B.C., ancient Sumerian law dictated that workers be compensated for injuries, with each body part being valued differently. For instance, a thumb was worth only half what a finger was worth.

In the mid-1600’s, the famous pirate Captain Henry Morgan would compensate injured men to the tune of 600 pieces of eight for the right arm, 500 for the left, 500 for the right leg, and 400 for the left. If you’re wondering: Yes, that’s the same Captain Morgan from the rum bottle. Bet you didn’t know he was a working class hero, huh?

Modern worker’s comp laws have their beginnings with Prussian Chancellor Otto von Bismarck. von Bismarck created the Employer’s Liability Law of 1871 in order to settle social unrest. By 1884 he would establish Workers’ Accident Insurance, providing monetary compensation as well as medical and rehabilitory considerations. The intention of these laws was primarily to ensure that employers not be hit with civil lawsuits. By giving workers a way to recover and to seek compensation without harming the financial well-being or reputation of their employers.

In the US, modern worker’s compensation dates back to the early 20th Century. With industrialization, workplace injuries began to rise, and worker’s compensation laws proved an effective way to address this. Authors like Upton Sinclair are often cited as major proponents in the push for safer working conditions and worker’s compensation for the American laborer. Sinclair’s book The Jungle detailed fact-based accounts of workers falling into meat grinders and being served to the public… leading to the Food and Drug Administration Act of 1906. The shift in public attitudes was slow going at first, with people showing more concern for their food than for the people producing it.

In 1910, a conference was held in Chicago where the guidelines for compensation law were first established, and then passed into law, first in Wisconsin, in 1911, and spreading to other states, ending with Mississippi in 1948.

Worker’s compensation has been a fundamental principle in most industrialized nations. Many historians actually consider it odd that the US took so long to enact such laws to protect workers.