Here’s What to Do Immediately After Getting Injured at Work

An injury in any circumstance can be hard to handle. When it happens while a person is trying to earn a living, however, it can come with unique challenges and frustrations. Fortunately, knowing a few key steps to take in the immediate aftermath can help the entire process play out with as little stress and added pain as possible. Keep the following items in mind when attempting to navigate the medical treatment, insurance claims and human resource concerns that could come along with an on-the-job physical injury.

Remember to Find a Trusted Team of Allies

In the convalescence period following any injury, having access to a group of confidantes — along with the requisite medical professionals — can mean the difference between a prolonged range of misery and a relatively acceptable level of recovery. Of course, the specific needs of getting hurt at work will mean the patient will need to make a few other relationships. Among them might be finding the right workplace injury lawyer Portland OR. Checking online for a highly reviewed firm or getting recommendations from others who have been in a similar situation could be the beginning of a very helpful alliance.

Remember to Record All the Key Details

Everyone committed to finding a way out of this situation will offer their best advice for handling these challenges. In the end, however, the injured party is best suited to plead his or her case. Make sure to consider all the contributing factors surrounding the injury and communicate those to the appropriate individuals.

Remember to Fill Out the Applicable Forms

Unfortunately, the result of a workplace injury could mean a pile of forms and paperwork. Filling this out and getting it to the proper departments, however, could help expedite what could otherwise turn out to be a long and arduous experience.

Interesting Liquor Laws Across the USA

In some parts of the United States, you can buy alcohol almost anywhere and consume it at any time. In some other parts, however, there are strange laws regulating where and when you may purchase and consume beer, wine, and spirits. Here’s a look at a few of those laws that some might call a bit archaic.

Texas

In Texas, it’s easy to get a restaurant license to sell alcohol, just apply for a TABC permit and you are basically in business. Say you wanted to bring in your bottle of 1946 Chateau Margaux for a romantic anniversary? Check with the restaurant first. It is illegal to bring your own bottle into a restaurant that serves liquor as well as beer and wine.

Tennessee

Many states in the south, including Tennessee, do not allow alcohol sales on Sundays in restaurants until after 12 noon. This is to encourage people to go to church instead of going elsewhere, where they would presumably be drinking. Also, liquor stores are forcibly closed on Sundays.

North Carolina

Have you ever ordered a cocktail while you were deciding on which wine to have with dinner? In North Carolina, there is a law preventing anyone from being served two drinks at once. You have to finish that gin and tonic before your wine can be brought to the table.

Iowa

Most people are used to going into a bar, ordering a drink and starting a tab by leaving the bartender with their credit card. In Iowa, this is illegal; you have to pay as you go.

Louisiana

In New Orleans, a very popular partying city, the odd thing is the absence of liquor laws. There are no regulations against serving booze 24/7 and no laws against having open containers in public. The one rule is that your open container cannot be made of glass, so don’t forget your red solo cup.

Next time you belly up to a bar that’s not your regular spot, take note of which state you are in before you get yourself in a state. It goes without saying, of course, to drink responsibly wherever you are.

Labor Versus Sex Trafficking

Human trafficking has been increasing in its awareness over the past decade. Humans are a lucrative commodity because they can be used repeatedly whereas things like drugs are gone once they are sold and must be replaced. This makes humans valuable and predators anxious to capitalize, which is where anti trafficking organizations come into play. The main types of human trafficking are labor trafficking and sex trafficking.

The Federal Trafficking Victims Protection Act of 2000

The Trafficking Victims Protection Act of 2000 is the federal legislation upon which subsequent trafficking laws have been built. The legislation provides for the prevention, prosecution and protection of the illegal trafficking of people. It basically outlines the method and means used to facilitate trafficking. This includes the recruitment, selling, transporting or harboring of a person in exchange for something of value through the use of force, fraud or coercion.

Labor Trafficking

Labor trafficking involves things like forced labor and involuntary servitude. One of the ways this takes shape is by bringing someone across country lines and then forcing them to work in terrible conditions to pay off the debt. But, the debt never really get paid. Instead the traffickers just use them in perpetuity to make money off of their labor. Another example is someone being forced into an indentured servant situation where they are forced to serve a household or person, they aren’t free to come as go as they please, and they don’t earn any money.

Sex Trafficking 

Sex trafficking involves the use of commercialized sex where one person is basically in control of another and profits from their involvement in commercialized sex either through force, fraud, or coercion or where the trafficker is an adult and the trafficked person is a minor. Sex trafficking happens in various forms throughout the world. It is said to be a $32 Billion industry.

Labor trafficking and sex trafficking are both dehumanizing forms of illegal activity and need to be eradicated. There are similarities and differences between the two. Anti trafficking organizations are doing their part to try to end the scourge.

Using Captive Insurance

Those who are buying captive insurance are using an alternative risk financing mechanism. In other words, they’re finding an alternative or different way of paying for their losses, different from the commercial programs that exist, for example, the high deductible program and the self-insurance programs.

You can set up a captive company as a sponsored rental or go for single parent. There are common principles that apply to all captive entities. An understanding of what those are helps you to make the distinction between the captive and its other alternatives.

Separate Entity

The risk will be financed by an entity that is formed and controlled separately. There are certain types of captives called reciprocals that are not actually incorporated. They are unincorporated associations, but the key point is they are separate companies with separate management. They are not just simply part of a large insured risk management department. Thus, there has to be a separation between the captive and its insurance.

Capital at Risk

The entity being used to finance the risks of its owners and users has risked its capital. If it doesn’t have capital at risk, it’s not an insurance company, and therefore you can’t ever claim that you need to be treated as an insurance company for accounting or tax or reasons. A company that offers captive insurance services needs its own capital at risk.

Sophisticated Insureds

Those purchasing the insurance or reinsurance provided through the captive program are going to be sophisticated insureds. What it means is quite similar to what it means within the investment world. In the investment world, there is a concept of there being sophisticated investors. It’s those individuals or those corporations that have sufficient net worth and resources internally to make decisions about buying an alternative risk financing program.

Without the elements above, you very likely could have simply a commercial insurance program or some form of self-insurance.

3 Tips for Spreading Company Cheer During the Holidays

The holidays are a busy time for most companies. There’s the rush to wrap up important projects before everyone leaves for time with family, the push to fulfill orders and make deliveries on time for the customers who rely on you to provide their holiday magic, and don’t forget about planning and organizing the office holiday party and any other arrangements for spreading the annual dose of celebratory cheer. This guide will help you get organized and pull together a plan for low-stress, no-hassle holiday preparations!

Give the Gift of Goodies

If you have important customers or other folks your company wants to send some holiday cheer to, then unique corporate gift baskets is a great solution. These assorted treats are sure to bring a smile to your valued clients, employees and business supporters, and ordering these beautiful baskets is quick and easy.

Host Holiday Hang Outs

Whether you have an official office holiday party or not, it’s always nice to provide informal opportunities for festivity. A cookie-bake off, carol karaoke excursion, white elephant gift exchange, or office decorating competition are all great ways to bring a spark of creativity and celebration to the office.

Keep it Casual

The trick is to keep these events light, fun and informal. You want to ease the stress of this busy time of year, not compound it by pressuring your peers into activities they may not have time for. The goal is to set a tone of joy and to provide opportunities for gathering and celebration. If you provide a casual environment for relaxation and festivity, your coworkers will appreciate the consideration and cheer. If, on the other hand, folks feel like their time, space and attention is being encroached on, your efforts will backfire.

Don’t let the time crunch of the holidays or the pressure to make things “perfect” keep you from enjoying this time and spreading the joy. Keeping your celebrations considerate, casual and cheery are the keys to a fun, festive, and no-fuss holiday season in the office.

San Francisco Banning E-Cig Sales

San Francisco is now listed as the 1st big city in the U.S. to prevent e-cig sales so that to stop teenage vaping. Are you an e-cig merchant looking for the best e-cig merchant account for your business? Do you want to know more about the topic? Well, you can find the information you need below.

E-Cig Sales & E-Cig Merchant Account

San Francisco’s Board of Supervisors has voted for prohibiting sellers from offering e-cigs in the city. Be aware this doesn’t refer to traditional cigarettes. The prohibition refers to brick-and-mortar shops, as well as to shipping over the internet to San Francisco. In fact, this was so unexpected that became a real hot-button topic internationally.

In 2018, according to the Federal Centers for Disease Control and Prevention, high school students were using vaporizers by 78% more than in the past, and middle school ones by 48.5% more. City Attorney Dennis Herrera notes that such decision can help keep San Francisco kids away from getting into the trap of nicotine.

Some professionals in the field note that e-cigs have made people in the U.S. smoke cigarettes less than in the past. The New England Journal of Medicine writes about the effectiveness of e-cigs, noting that they almost twice as effectively help smokers avoid taking therapies.

When it comes to e-cig business owners, it’s critical to work only with a true merchant services provider so to take your business to the next level without running into obstacles. A reputable payment processor can easily get you the most reliable and cheapest e-cig merchant account without any issues at all.

Really, if you want to figure out what’s the best for your e-cigarette business in today’s market, it’s too important to work with a true high risk funding specialist in your field.

San Francisco Banning E-Cig Sales

San Francisco is now a city prohibiting the sale of e-cigs. Beverley Hills made such decision earlier in June. However, one can still freely purchase traditional cigarettes and marijuana-related products in San Francisco.

E-cig companies, including famous Juul, can apply to the U.S. Food and Drug Administration (F.D.A.) to get their approval until 2022. As for the F.D.A., the administration issued a policy aiming to limit the sales of kid-attracting vaporizers to stores that don’t sell to children or are designed with sections only for adults.

When it comes to online sellers, they’ve to offer stricter age verification and curb bulk sales. Those who don’t act in accordance with the guidelines would be punished through F.D.A. enforcement actions: their products may be taken off the market.

To sum up, San Francisco has been listed as one of the 1st U.S. cities to ban e-cig sales. The city’s board of supervisors has unanimously voted for an ordinance, according to which, sales or distribution of e-cigs to a person in San Francisco shall be prohibited unless the F.D.A. has reviewed the product. As for e-cig merchants, take the time to find the right merchant account for your business.

Author Bio: Electronic payments expert Blair Thomas is the co-founder of high risk payment processing company eMerchantBroker that offers the most secure and cheapest e-cig merchant account in the industry. He’s just as passionate about his business as he is with traveling and spending time with his dog Cooper.