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NYC officer awarded $325,000 for injury

NEW YORK — A New York City police officer who was denied a tax-free injury pension after she was shot in the hand will get $325,000.

The award settles a federal lawsuit filed by Officer Pamela Walker. Walker was shot during an annual weapons inspection at a Manhattan precinct in 2002.

Court papers say Walker claimed another officer accidentally depressed the trigger while handing her a .38-caliber gun.

The papers say she said the officer didn’t get aid after she was shot.

The NYPD insisted her injury was self-inflected. She was approved for a line-of-duty pension but the pension board deadlocked on the issue. She wound up with a pension that is taxable.

A Law Department spokeswoman told the Daily News the settlement was in the best interest of all parties.

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Information from: Daily News, http://www.nydailynews.com

What to do if you’re injured at work?

Many types of injuries can occur at work including slip and falls or a back injury. One of the most serious types of injury, however, is traumatic brain injury. Workers’ compensation is like an insurance plan paid for by your employer.

Workers compensation is an insurance coverage to give medical benefits to workers who’ve gotten injuries while carry out their duty. As such, it offers the employee the rights to sue the employer on grounds of negligence. The rules that govern the process vary from one jurisdiction to another, and that is the primarily reason why employees should consult with qualified lawyers who will help them to handle the claims. Nevertheless, one thing that remains unchanged is the truth that the worker needs to be compensated for any economic loss they have endured whether for the past or the future, repayment of any medical bills that might have been accrued after the harm and cost of wages on the idea of the disability caused.

In addition to the mentioned factors, it also enables the most closed relative to claim the workers compensation in the event that the aggrieved party succumbed to the injuries by receiving death benefits. Nonetheless, it is important to be aware that while the workers compensation covers damages accrued whereas on duty, it doesn’t account for damages while on premises but not at work for instance injuries throughout lunch or tea breaks. Therefore, that is why you have to get appropriate legal professionals who can advise you on probably the most sensible method to approach the case and to make sure that you get your claims and if possible, get back to work after the settlement process is done.

Filing a worker’s compensation claim can at times be a tough process because as the worker, you have to show that you’re not laying any false claims and as such, the extra motive you must be sure that your doctor fills out a form that may ease the process for you by guarantee that your payment won’t be delayed.

NYC’s Worst Landlords Targeted by Public Advocate

NEW YORK—New Yorkers looking for an apartment to rent on Craig’s List can now follow a link to “NYC’s Worst Landlord Watchlist” courtesy of Public Advocate Bill de Blasio.

Standing in front of a rundown Bronx apartment building on Monday, de Blasio introduced his eight-point housing plan that will hold the city’s worst landlords accountable for repairing their buildings.

The latest safer-housing initiatives will bar chronically bad landlords from receiving taxpayers funded subsidies and organize tenants in dilapidated buildings to ensure that landlords make repairs.

“This plan will help to change things. We don’t want to reward a bad landlord. We have proposals and legislations here that will close that loophole and stop giving subsidies to bad landlords,” said de Blasio.

The initiative will also ensure that a bad landlord cannot lease one of his or her buildings to a city agency and profit, said de Blasio.

Pointing to the dilapidated building on 197th Street, between Bainbridge Avenue and Pond Place, de Blasio stated that Joshua Neustein owned it.

Neustein, who also owns 11 other buildings was listed on their watchlist, was the third worst landlord on the list, with 180 serious Class B and C violations, stated de Blasio.

“Some of these uncorrected violations go all the way back to 1986,” said de Blasio. “Rodents, bed bugs, crumpling roof and ceilings, leaks, no heating, and no hot water. … A list of things that no tenant in New York City should have to live with.”

He pointed that currently Neustein profits from the Advantage subsidy program that helps to provide homes for the homeless.

De Blasio’s eight-point initiative includes the following measures:
1. Ban landlords with a history of serious housing violations from receiving taxpayer funded subsidies such as Advantage and Section 8.
2. Stop city leases chronically irresponsible landlords on NYC’s Worst Landlords Watchlist
3. List NYC’s Watchlist on www.craiglist.org as a resource for individuals seeking apartments to rent
4. Work with the New York Housing Authority to reduce paperwork requirements and streamline the process for responsible landlords who have made repairs
5. A pilot project with South Brooklyn legal services to recruit private sector law firms to help tenants
6. Extend and expand rent regulations, that will expire June 2011
7. Reduce red tape and streamline certification and inspection process so that responsible landlords are not penalized
8. Send organizers to troubled buildings to help form new tenant associations

Ten Seventy One Home Corporation that manages the building for Neustein did not respond to a request for comment as of press time.

With more than 2.14 million New Yorkers living in rental apartments, housing conditions and landlord issues are the most pressing concerns.

More than 172,000 New Yorkers called the city’s 311 hotline to complain about lack of heat this winter, according to de Blasio’s Safer Housing for New York report. The eight-point plan is a response to these complaints.
The plan includes an agreement with craigslist.org to help apartment hunters identify NYC’s worst landlords.

Located at the top right corner of apartment listings, the new feature provides a link, “NYC’s Worst Landlords,” to Public Advocate Bill de Blasio’s website. The online watch list currently has 418 buildings owned by 323 landlords.

It provides a ranking of the worst landlords based on the total number of violations to housing codes based on data given by the New York City Department of Housing Preservation and Development (HPD).

Currently, over 90 percent of tenants do not have legal representation of any kind.

“They go in with no legal help and a lot of the time, they lose just because of that,” said de Blasio.

Under the new housing initiative, de Blasio plans to recruit major law firms to give their time pro bono, with the help of a South Brooklyn Legal Services to provide the housing expertise, training, and supervision for the firms.

ON THE PROWL: Public Advocate Bill de Blasio outlines his eight-point plan in front of a dilapidated building on 197th Street, between Bainbridge Avenue and Pond Place, owned by Joshua Neustein. (Phoebe Zheng/The Epoch Times)

Following the press event was a media tour of the run-down apartments with tenants in the building.

“[The landlord] will send somebody over to look at it. They just patch things. The next time it rains, it leaks again. When it rains outside, it rains inside too,” said tenant Rosanna Pena, who has a 9-year-old son, Ruddy, with chronic asthma.

Their apartment has holes, a crumbling ceiling, roaches, rodents, and rats in the kitchen, and no heat, said the older son, Shawn, 11.

“I keep getting bruises because every time it rains, I’d slip and fall down,” added Shawn.

“The paint comes off. It smells bad. I keep coughing and my mother has to give me the puffer,” said Ruddy.

The family has lived in these conditions for the past six years. According to Pena, they were unable to move because they need to wait for the special voucher from Section 8.

Another tenant, Vanessa Contreras, 37, lives in the same rundown building with her four children.

The bathroom was black with mold, said Contreras, who stated that her son was diagnosed with cancer last year.

“I have to climb up and clean the black mold from the ceiling and walls before my brother can take a bath,” said Jenny Contreras, 19.

“We want to make sure that the irresponsible landlords do not benefit from government subsidies like Section 8 or the Advantage program,” said state Sen. Gustavo Rivera, who was present to support the eight-point plan.

It is important to extend and strengthen the Rent Regulation Law due to expire on June 15 to protect city tenants from these types of conditions, added Rivera.

 

For more affordable car insurance adjust unlimited coverage rule

Michigan’s auto insurance rates might be the highest in the nation, with a typical driver paying more than $2,500 a year for coverage. In Detroit, where unaffordable insurance rates have forced tens of thousands to drive uninsured, many motorists pay double that or more.

Without question, the rising cost of Michigan’s unique mandate for unlimited coverage for injuries is one reason insurance rates are out of control. The costs of treating the state’s worst accident injuries rose again late last month, when the Michigan Catastrophic Claims Association announced that drivers will pay a record $145 per vehicle, effective July 1, to treat accident injuries that exceed $500,000 in medical care. Overall, the average paid claim for personal injury protection for 2010 rose to $36,245, nearly three times higher than in 2000.

Legislators cannot continue to shrug their shoulders and do nothing. Statewide, 17% of drivers are on the road without insurance, up from 11% in 1989. In urban areas like Detroit, up to half of the drivers are uninsured.

A package of bills introduced two weeks ago in the state Senate by Democrat Virgil Smith of Detroit and Republican Joe Hune of Hamburg Township should provide the starting point for overdue change.

The most controversial measure would modify Michigan’s unlimited no-fault system by setting a minimum for personal injury coverage of $50,000. So-called PIP choice would still put Michigan above the minimums of all other states, except New York, which also has a $50,000 minimum. It would save policyholders 10% to 30% while covering almost 95% of claims, according to the Insurance Institute of Michigan.

To be sure, given the high cost of medical care, the $50,000 minimum is far too low, but even a minimum of $250,000 would save policyholders plenty while offering some extra injury protection for those few drivers who needed it.

Legislators should at least approve a uniform fee schedule for medical treatments and services, similar to workers compensation, as called for by SB294. It’s reasonable to ask medical providers to accept the same payments for the same services in auto-related injuries as they do for injuries incurred on the job.

Other less controversial, but worthy, proposals include strengthening efforts to fight insurance fraud and requiring medical care providers to bill insurers within 90 days of treatment. That would enable insurers to properly review claims and pay them in a timely manner.

Unfortunately, the reform package does not include a pilot program to provide affordable insurance to low-income drivers, as other states such as New Jersey and California have created. It should. Such a program would allow people now driving uninsured to at least buy basic coverage. The insurance industry supports the idea, said Lori Conarton of the Insurance Institute of Michigan. It ought to persuade legislators to include such a plan in the package currently before the Legislature.

These proposals are not perfect, but they beat the ongoing stalemate. Eliminating territorial ratings, which punish drivers in Detroit and other urban ZIP codes, is a good idea but politically unattainable. For now, legislators should focus on reforms that would ease the problem of affordability and have a prayer of reaching the governor’s desk.

Increase on Claim for Personal Injury Pushes Auto Insurance Rates

claim for personal injury

The high amount paid for  is pointed to be the cause of soaring auto insurance rates in Michigan. Now, a common driver shell out more than $2,500 a year to cover auto insurance which is said to be the highest in the country.

Insurers justify the high increase of insurance cost to the rising cost of Michigan’s distinctive mandate for unlimited coverage for personal injuries. Last month marked another increase in treating Michigan’s worst accident injuries. The average paid for personal injury compensation is thrice higher than a decade ago.

Because of the expensive cost, many drivers and motorists are on the road without being insured. Legislators are acting upon the matter with a package of bills providing starting point for change that should have been acted upon earlier.

The measure would change the state’s unlimited no-fault system by having a minimum for personal injury coverage at $50,000. This still makes Michigan higher than the minimums of other states except New York which has the same minimum.

Other proposals involved strengthening efforts against insurance fraud and being stricter by the requirement of medical care providers to bill insurers within 3 months of treatment. This allows insurers to make a proper review on accident claims and personal injury compensations in a timely manner.

However, the modifications still do not include any program to offer affordable insurance to low-income drivers. The insurance industry supports the idea of allowing people to buy basic coverage through legislation.

While it is good news to have many people get compensated out of car accidents, it still causes a blow to other motorists. It makes auto insurance expensive. But this must not discourage people from going for a claim for personal injury. What is needed is for authorities to be more watchful in frauds that insurance company might be victims.

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