Archive for December, 2014

How to Ensure Claiming Benefits of Workers’ Compensation?

If you are at the work place and injured while you are working, then you are covered under workers’ compensation act and you can get all the possible benefits under this act, if the injury or accident is claimed to be true. This act covers all the medical costs, protects the employees who can no longer work because of the injury etc. But, unfortunately many false claims are submitted, making the system tough. Though the system is difficult, you can get the best possible benefits. To ensure whether you are getting the possible benefits under this act, you need to follow few steps that are listed below.

Report the injury
If you are injured or ill because of your work, you need to report the same through the correct channels. Not just telling about the incident; but, also make sure that you have the detailed written report of the incident filled and it is mandatory because, if no written report of the incident exists with the employer, they may deny that you never complained them about the incident. Also, ensure that you get the paper work done and a call from the insurance adjuster. If not it is understood, then something is going wrong.

Keep the detailed medical records of the injury
It is better to approach the doctor recommended by the employer and keep all the medical records with you so that they can forward your medical records for workers compensation. But, if you visit the doctor, the one not suggested by the employer, then, you need to take certain measures. Make sure that the doctor is certified for workers compensation claims, file all the copies of the hospital and that everything is included in the medical reports.

Don’t stay drunk at your work place
Sometimes you may be tested with drug test after the injury or accident; and if it is known to be positive, then your claim will be denied. So, make sure that you are not drunk while you are at work place.

Ask the employers about the coverage
It is better to talk to your employer regarding the workers’ compensation act and the benefits that you can receive under this act, in advance. So that, you can take necessary steps accordingly.

Be cautious of employers who refuse the coverage
Some employers may convince their employees saying something on the act or that you will not be covered under this act. But, know the facts – you can be covered under this act even if you have caused the accident.

Apart from this, better go through your state’s workers’ compensation law and know the facts of the law.
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Paid Web Hosting Vs Free Web Hosting

website monitoring serviceDid you know the differences between paid and free web-hosting? Knowing the difference could help you choose one that is more suitable for your business. Be aware that one webhost service company offers their services free without any benefit for themselves. We are of the view that free hosting has many disadvantages when compared to the paid hosting and it is the fact that many people are not aware. In this article we differentiate one from the other based on the benefits and drawbacks.

Free web hosting – why you should not opt for
Free web hosting has many disadvantages when compared to a paid service and are listed here.

  • No customer support: As the service is offered free, many hosting providers won’t respond to the troubles that you get in the service they offer. They may or may not give you customer support when necessary. They may not have any customer service at all, let alone respond to your queries, etc.
  • Low bandwidth: Free hosting service providers do not give enough storage space or enough bandwidth for your website. In free hosting you get limited resources.
  • Downtime: Your site may have downtime or loading problems as multiple domains are hosted on a single shared server in free hosting.
  • No option of customization: The complete control of the site will be in the hands of hosting provider in case of free hosting, and they will look after all the configurations. Therefore, you won’t get the option of customizing your site as you want.
  • Vulnerability: There is a chance that the free hosting service provider could put ads on your site which may make your site vulnerable. And, you won’t have the right to remove them once you sign up for their service.

monitoring servicePaid web hosting – why you should choose
Most of the drawbacks in free web hosting become the advantages when it comes to paid hosting and apart from those there are a few other benefits based on the type of paid hosting service you choose for your website in paid hosting.

  • Automatic data backup: Many paid hosts will make the backups of your site. Some do it daily, some weekly and some monthly. Therefore, you will have your data lost ever which is not the case with free web hosting.
  • Your own domain: Through paid you don’t need to use the domain name of the hosting company. Thus, you can have your own domain name without any problems. But in case of free service, some hosting companies put your domain name in the sub-domain rather as main which will show that it is not yours.
  • Comprehensive control: Apart from customization, you can also control software plug-ins, account settings, etc. and you can also see the web stats.

These are some of the major benefits that you get from a paid web hosting service apart from the minor benefits. Therefore, it is a sensible idea to opt for a paid hosting.

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Major Car Leasing Mistakes to Avoid

Leasing a car is good idea. But, people usually make a few mistakes, while leasing. To make you aware what you need to do while leasing a car, and what you need to avoid, read this article. If you are planning to lease a car, this article will help you. Let us know the common mistake that are to be avoided, while leasing a car.

Paying more in advance
People may feel that it is good pay more money upfront thinking that monthly payments will be less, but it is not advisable. The reason for this is if the vehicle is stolen or wrecked, it brings a problem for you and not the leasing company. Some leasing companies may not reimburse your money even when the insurance pays off for the car. The upfront payment can be negotiated. So, don’t be exited to pay in advance.

Not setting limits
Any leased car will have certain limits that shouldn’t be crossed. In general, every car that is leased will have a mileage limit; and some contracts will also specify the number of miles that a person should drive in a year. So, the person who leases the car shouldn’t cross that mileage limit. If you exceed that limit, you may have to pay more for each mile that you travel. So, better remember this factor.

Neglecting or forgetting the GAP insurance
Every car whether owned or leased needs the insurance. However, some leasing companies in order to keep the premiums low, they forgo the GAP insurance, which is very important especially for leased automobiles. If you neglect considering GAP insurance while leasing the car, you have to pay a lot from your end, later. So, to avoid such a problem, make sure to check whether the car has GAP insurance.

No proper maintenance
Knowingly or unknowingly, if a damage is made to the car beyond the normal wear or tear, the driver needs to pay the extra charges to the leasing company. But, if it is small damage, some companies will treat it as normal thing. If the damage is big and if you made it repaired then some companies will not charge you for the damage, as it is repaired. Otherwise, you may have to pay a lot for the damage done. So, to avoid all these problems, better maintain it properly.

Extending the lease period
This is not a good idea – because, the car and the model may become old, may not be in good condition, making you pay for the maintenance. So, it is better lease another car based on your requirements with good features.

Avoid these mistakes and enjoy the benefits of your leased car until the end of the lease period.
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