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How to handle a head injury on the jobsite

On Behalf of Christian Ayers
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A head injury on a worksite can cause everything in the vicinity to come to a standstill. These are very dangerous — potentially fatal — injuries that should be addressed immediately. It is important for both the injured person and anyone around to stay calm; inducing panic will not be…

Long Term Disability Offset Part 4

On Behalf of Christian Ayers
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Even though the LTD carrier receives significant benefit from an award of social security disability benefits to a disabled person, there are still reasons why an award of SSD benefits is beneficial to an individual. First, unlike LTD benefits, SSD benefits are subject to cost of living adjustment increases, which…

What to do after a workplace injury

On Behalf of Christian Ayers
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Workplace accidents can be some of the scariest experiences in a North Carolina resident’s life. But it is vital to remain calm and make sure you take the proper steps in order to receive proper care and workers’ compensation. Here are just a few quick points to remember if you…

What is the role of the North Carolina Industrial Commission?

On Behalf of Christian Ayers
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Workers who suffer job-related injuries or illnesses in North Carolina and who seek to file workers compensation benefit claims have two options available to them in seeking assistance. One is to use the North Carolina Industrial Commission, specifically its Workers Compensation Information Specialists Section. Beyond the information generally available on…

Long Term Disability Offset Part 3

On Behalf of Christian Ayers
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Often, an individual will be receiving long term disability benefits during the time that his social security disability claim is pending. In an employer funded plan, the eventual receipt of social security disability benefits will result in an obligation to repay the LTD insurance company from back benefits, less the…

Long Term Disability Offset Part 2

On Behalf of Christian Ayers
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If an individual is receiving long term disability insurance benefits from a plan provided through employment, an award of social security disability benefits often results in a dollar for dollar reduction of LTD benefits. This does not occur as frequently with long term disability plans directly purchased by an individual…

OSHA protects workers from ergonomic hazards

On Behalf of Christian Ayers
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The Occupational Safety and Health Administration protects people from a variety of workplace injuries, illnesses, and deaths. One type of injury that is covered by OSHA and that you may not be familiar with is an ergonomic injury. The term ergonomic injury is used to describe any injuries or illnesses…

Not all work accidents take place on the job site

On Behalf of Christian Ayers
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Workers’ compensation claims frequently, but not always take place in the context of employees being injured at their place of employment, such as a construction site, factory floor or office. But we at Ayers, Whitlow & Dressler know that what is most important in establishing a claim for workers’ compensation…

Long Term Disability Offset

On Behalf of Christian Ayers
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The receipt of long term disability insurance benefits does not reduce disability payments from the Social Security Administration. However, the reverse is not true. Receipt of SSA disability often reduces the amount of long term disability benefits paid based on the terms of the contract of insurance. It is very…