14. April 2010

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Good News – FMLA Protects Those Who Suffer Migraines and Headache Disorders from Being Fired for Absences

If you suffer from migraines or another headache disorder that causes you to miss work like I do, you may be concerned at times, regardless of how great your health insurance benefits are, about losing your job. You’ll be happy to know that the Federal Courts have just made things a bit easier on us who must often take a leave from our jobs.

The U.S. Court of Appeal for the Third Circuit (which covers Delaware, Pennsylvania, New Jersey, and the Virgin Islands) recently held that courts must listen to an employee’s own words regarding his or her illness or disorder in determining if he or she is too sick to return to work under the Family Medical Leave Act (FMLA).

FMLA requires employers of 50 or more employees to allow workers up to 12 workweeks each year – unpaid – to take time off from their jobs to care for ill family members or themselves if they should fall ill. The FMLA provides employees with the security of not being fired or disciplined, or being subjected to adverse action because of a medical leave. The employee, of course, must have a physician certify their illness initially; however, the 3rd Circuit holds that lay testimony (that of the employee’s in regard to his or her own illness or medical condition), in combination with the testimony of medical professionals can establish that the illness is serious enough to justify the worker’s leave of absence.

This decision was made after Rachael Scharr, a medical receptionist, went to her doctor with a severe urinary tract infection. She testified that she was unable to return to work for the extent of her absence. She should have been protected from retaliatory firing under the FMLA after her physician wrote a note stating that Scharr would not be at work for two days, and that it was “possible although very unlikely” that she would be able to return to work after three days’ time. She was absent from work a total of four days; two days she had previously scheduled as vacation days (for which she had been approved). She was subsequently fired six days after she returned to work.

Schaar took Lehigh Valley Health Services to court over the firing where the 3rd Circuit reversed the Federal District Court for the Eastern District of Pennsylvania setting the precedent that workers could provide testimony on their own behalf.

So, if you are unable to work due to chronic headache conditions, you may want to investigate further into the matter and discuss it with your employer. Don’t risk being fired, simply be open and let him or her know that you have rights as an employee under FMLA to retain your position despite long-term absences (assuming, of course, that your doctor agrees that you are unable to work).

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13. April 2010

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Health Insurance Reform Terminology Defined

Talk of “health insurance reform” is everywhere these days, but all the terminology involved can be quite confusing. If you feel you need a bit of a lesson on the definitions of healthcare insurance reform terms, the following may help:
Fee for Service – this is how the doctors get paid. Each service the doctor provides [...]

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10. April 2010

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Get All the Insurance Protection You Need with Umbrella Liability Coverage

Unfortunately, there are several myths that surround umbrella liability insurance:

It is too difficult to coordinate with an existing insurance policy (i.e. your homeowners)
Premiums are too pricey
It is only for those who are rich (in other [...]

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9. April 2010

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Northwestern Mutual’s Optimism Barometer Shows Individuals Are Hopeful of the Future

Northwestern Mutual’s Optimism Barometer – a tool, which measures the attitudes of those who visit the site and weigh in on how they are feeling about, well… life. One of the statements, for example, says “What a person has is less important than who a person is.” And, to this, you can agree or disagree [...]

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8. April 2010

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Three Women File Descrimination Compaint Against Bank Of America/Merrill Lynch

Though women have definitely made giant strides to gain equality with men in the work world, it seems we are perhaps still not quite there yet. Well, three women are fairly certain that they are not there yet, at least, as they have filed a suit against Bank Of America/Merrill Lynch for allegedly discriminating against [...]

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7. April 2010

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Obesity and Healthcare Reform – Paying for Preventative Care

The obesity rates of adults have doubled in the last three decades and tripled for children; obviously, weight has become a “huge” issue, one we can no longer ignore. Two-thirds of adults and more than 23 million children in the United States are overweight, obese, or morbidly obese, costing our country billions – yes, BILLIONS, [...]

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6. April 2010

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Identity Theft – Yet Another Reason You Need Protection

At the risk of spurring on the pesky population that insists on using their talents for evil, not good, I’ll share with you yet one more reason you should consider purchasing identity theft protection (“insurance,” if you will). It seems that some of these criminals have recently been able to steal others’ identities by diverting [...]

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3. April 2010

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How a Diagnosis of Anxiety or Depression Can Affect Your Life Insurance Rates

It’s always best to visit a doctor when you are experiencing anxiety or extreme, unexplained sadness – only a doctor can diagnose what might be going on – but you should be aware that this can affect your life insurance rates or possibly result in a denial of your application.
Because The Centers for Disease Control [...]

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2. April 2010

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Business Owner’s Policies Help Protect Your Company When Disaster Strikes

There are essentially three kinds of insurance available that can help you protect your business: liability, property, workers’ compensation.
All 50 states require businesses to have workers’ compensation insurance, while property and liability are not always mandatory. It makes a lot of sense, however, to protect your company with as much insurance as possible; after all, [...]

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1. April 2010

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Attaining Auto Insurance After a DUI Conviction

Being convicted of driving under the influence (DUI) can pose some serious challenges when you need to insure your car. Your insurance will increase, but there are ways to find affordable insurance, even after making this kind of mistake.
DUI Forgiveness

There are some auto insurers that will forgive a first at-fault accident, but, unfortunately, there [...]

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