A senior management employee suffers from severe depression and has to take time off work. She applies for long-term disability (“LTD”) benefits under her employer’s group insurance policy. She receives LTD benefits. After two years, her employer gets tired of waiting for her to come back to work, and fires her.

Another scenario: the same employee applies for LTD but the insurer refuses to pay. The employer takes the position that she is not disabled, and...

The Social Security Administration (SSA) administers two programs that provide benefits based on disability: the Social Security disability insurance program (title II of the Social Security Act (the Act) and the supplemental security income (SSI) program (title XVI of the Act).

Title II provides for payment of disability benefits to individuals who are “insured” under the Act by virtue of their contributions to the Social Security trust fund through the...

Insider's story:

During my time onboard ships, I have gathered unique experience, trained by ships' management on how to evade, deceive and trick USPH personnel, while conducting sanitation inspection onboard. Not very honest, legal or transparent task, but it helped paying my bills. I really had no choice if I wanted to keep my job.

The range of methods I had at my disposal to deceive USPH was huge. Most of those methods are so simple that it makes you...

If you are looking for information about asbestos lawsuit, you will find the below related article very helpful. It provides a refreshing perspective that is much related to asbestos lawsuit and in some manner related to tooth replacement, professional teeth whitening cost, yellow teeth whitening or bleaching gel. It isn't the same old kind of information that you will find elsewhere on the Internet relating to asbestos lawsuit.

Before giving your teeth the laser treatment,...

If you want a dog for home protection, the best type of dog is not a 100 lb muscle bound animal that can crush metal pipe. The best type of dog is a dog that simple makes a lot of noise. Most people buy dogs for house pets and a nice addition to the family. A dog that is bought for protection usually will not make a good house pet because they are trained to attack intruders.

Dogs have a hard time deciphering the good guys and bad. They see someone that does not come in the...

With the 2008 Presidential election right around the corner, it is obviously the hot topic to surround the water cooler, PTA meetings, school campuses, and boardrooms around the nation. This presidential election is shaking ground having both a female & and an African American running for both Vice President and President alike. Besides who is running, the issues that underline the race are the topics that are going to be causing the most talk. Issues such as the war in Iraq,...

If you're a business owner, ensuring that your premises’ air conditioning system is well-maintained is not just an option, but a legal requirement. Because there are definite health risks associated with air conditioning systems it is important to ensure they are regularly maintained and checked in order to prevent the spread of disease.

Air conditioning systems have been proven to harbour the Legionella bacteria; the organism that can bring on potentially fatal bouts...

Combating noise pollution

Man is a social animal; he needs comfort in every sense. People are not able to enjoy their lives completely because of the depletion in the environment and this happens because of the hostility between man and environment. Due to the advancement of science and technology, the problem of noise in recent years has emerged as one of the important pollutants of environment.

Noise pollution is a type of energy pollution in which distracting...

If your fireplace is installed correctly, they should perform very well, safely and reliably. Fireplaces, of constant wear and tear, also have their own
time of malfunctioning. That is why fireplaces needed to checked regularly by contractors within a yearly period. For fireplace safety and security, here
is a list of to-do’s when installing, maintaining and using fireplaces.

For self installations, see of the fireplace complies with all building codes in the...

Siberian Shamanism

Siberian shamanism - roots of happiness and love. It is an ancient tradition, religion, basis of all young religions, sciences and mysticism. There exist now very many different forms of shamanism. Investigators of institutes, who study ancient cultures in Irkutsk, found the traces of Siberian shamanism in Australian, African, American, Tibetan shamanism and in many religions.

Siberian shamanism is more than 40.000 years old. During all this...