Get Your Home Back to Normal with Flood Restoration

Do you think your house can manage the flood water? Well, a study conducted by FEMA has stated that floods are one of the most costly natural calamities in the U.S. Apart from natural calamities, a flood can also occur due to blockage of a sewage system. Here is a list of ways in which your house and health can be affected due to floods.

 

The Structural and Health Damage:

The first and the foremost risk of flood is always towards the health of the people who are living in the house. In fact, even if it does not cause a lot of problems, the water seeps into the foundation of any building and kit weaker. If these are not taken care of at the right time, then this problem grows bigger leading to severe issues. Some of the damages that flood can cause are:

  • Structural Damage
  • Power Supply Damage
  • Water Damage
  • Communication Issues

 

Causing Life Loss:

No loss is more painful than the loss of life. Most of the time whenever a flood occurs, apart from the house and the things in it, people end up losing their loved ones and this loss is what impacts a human life emotionally, mentally, and physically. In the United States of America, flash floods are one of the major reasons for loss of life.

 

Emotionally Hijacked:

We know what a hijack means, however, are you sure you know the meaning of getting hijacked emotionally? Yes, imagine you have invested all your savings into your house and due to flood you did not just lose your house but also lost someone who was very near to your heart; you would definitely feel dreadful, won’t you? People face depression, fear, sadness, anger all sorts emotions in such situations.

 

Property Being Collapsed:

As mentioned above, all your savings are invested in your house and ninety percent of damage that is caused by natural calamities happen due to floods. Nothing remains the same like before – equipment, vehicles, house, belongings and for that matter; any property be it a commercial one or a personal one – loss means a loss. To avoid such a great loss, cleaning, business, commercial properties at the right time after the flood is essential.

 

 

Economic Setback:

A house does not only take your emotional space but also takes your savings. Even after having an insurance, you might not get one as most companies do not cover water loss especially due to floods. This impact the flood victims drastically – emotionally and majorly financially. The economy of any country gets affected by floods badly and the loss that is occurred is usually in billions. Make certain, you have an insurance that covers loss by floods and water. Also, consider this insurance for your house as well as commercial property.

It takes a lot of time to re-built whatever has been lost. Floods do take a lot from humans as compared to whatever has been invested; from time to energy.

 

Continue Reading

How to Make a Workcover Claim

Workers Compensation Claim Form Insurance Concept

No one wants to suffer a workplace injury or illness.

However, with more than 100,000 serious claims compensated in Safe Work Australia’s last report, it’s something that could affect any Australian – regardless of what industry you work in.

If you have been injured or fallen sick as a result of your work, you may be entitled to worker’s compensation. To be eligible, the injury or illness must be new or an aggravation of a pre-existing one.  Whether you’re a full time, part time, permanent or casual worker you are still able to make a workcover claim. This includes being employed by your place of work or through an employment agency.

Claim benefits help with weekly payments when workplace injury or illness is preventing you from working. It also offers support for medical and rehabilitation expenses, including specialist appointments, treatment and medication expenses.

Here’s what you need to consider before you make a workcover claim:

Keep Your Employer and GP in the Loop

Even if you’re unsure whether you’re going to make a claim, it’s important to inform your employer and doctor.

By reporting the injury immediately (in writing if possible), you minimise the risk of losing any legal rights you may have to receive workers compensation benefits.  Be cautious of time constraints however, as work-related injury or illness must be reported within 30 days of becoming aware of it.

If your workplace has a Register of Injuries, make sure the incident is recorded there, as well as the written notification to your GP and employer. Some claims may not be processed without  a ‘first medical certificate’, which can be obtained from your doctor.

As an employee in Australia, you have the right to visit your own doctor for workplace claims and treatment. Once your employer and GP are notified, a doctor’s report will be written within 30 days of your workplace injury or illness exam.

Your workplace injury report must contain your name, address, the date when injury/illness first occurred and the nature of the case to be processed properly.

Check if Your Employer is Insured

It’s mandatory all employers have workplace compensation in Australia, but it’s still recommended to ensure they’re properly insured.

Self-insured employers will need to manage the claim and return to work assistance themselves.

Tip: Workcover claims are a no-fault scheme. This means that by you making a claim, you’re not ‘blaming’ the workplace incident on your employer, you’re simply saying you have been injured at work and you need time off work or to cover medical expenses. With workers compensation, medical expenses and wages for your time off work will be covered from their insurance, not their pocket, so the business’s bottom line will not be affected.

Seek Legal Advice

It’s recommended to seek independent legal advice when making a claim, as well as engaging with your employer and GP.

This gives you a clear understanding of your entitlements and whether you’re entitled to other rights as part of your compensation. Even if the claim has been accepted by WorkCover, seeking legal advice is strongly encouraged.

Complete a Claim Form

If you need time off work or medical treatment because of your workplace injury, you must complete a WorkCover Worker’s Claim Form.

If the injury or illness is permanent, you’ll need to fill out the Worker’s Claim for Impairment Benefits Form.

Claim forms should be completed by you and your employer together. Not only will this keep the lines of communication open, but it’ll give you both the opportunity to discuss support options to help you return to work as soon as possible.

To make a workplace claim for payment benefits, it must be within 12 months of the date your injury or illness occurred in Western Australia. However, it’s important to note that each state varies with its claim time.

Your claim form must also include:

  • As many details of the incident as possible, including when you first noticed and when it was recorded with your GP and/or employer.
  • All symptoms listed which are associated with the work-related injury or illness. Different industries may not cover certain things, so it’s a good idea to check your claims will be covered.
  • Ensure the claim form is signed and dated, with a copy kept for your records too.

Accepted Claims vs. Not Accepted Claims

Claims that have been accepted mean you will receive weekly compensation (income entitlements) for loss of wages and any medical expenses.

If your claim is disputed, no payments will be made. The insurer will advise you of the reason for the disapproved claim. If you feel your case you should be reassessed, you can approach the insurer or lodge an application here.

Tip: Whilst you’re waiting for your claim to be processed, discuss access to sick or annual leave with your employer. You may wish to apply to Centrelink for financial help too. However, they will need to confirm with your workplace the claim is still waiting to be accepted.

Understand all Obligations

You, your employer and your workplace’s insurer all have obligations when making a workplace claim.

Employers are obligated to allow you to visit a doctor, make a workcover claim and prepare a Return to Work program. Following your obligations to report the injury or illness, your employer has a duty of care to act as soon as possible, complete the register of injuries and assist you in making a claim. Once the form has been filled out, your workplace is required to forward it to their insurer within three working days.

You can find out more about you or your employer’s obligations here.

Returning to Work

Workcover claims are designed to get you back working as soon as possible, as well as protecting your place of work.

If it has been indicated on your report by your doctor that you have the capacity to return to work, it’s likely your previous position can still be held for you. To return back to work safely and quickly, you’ll need to consult with your employer and GP to implement a Return to Work Program.

Making a workcover claim doesn’t have to be stressful or challenging. With the right information and support, you can have compensation for your workplace injury or illness.

Author Bio:

This article is written by Jayde Ferguson, who recommends Perth City Legal – a specialised workers’ compensation law firm.

Continue Reading

10 Expert Small Business Outsourcing Tips

Many traditional roles that used to be handled in-house are now being outsourced by businesses across the world. The Internet has made a global marketplace of freelancers and digital nomads accessible to all.

Sales, marketing, and social media are becoming increasingly easy to outsource with freelance networks and places like LinkedIn expanding the marketplace and making headhunting easy.

But what do you need to consider before outsourcing? What tips will help you make the right decision?

I have rounded up some tips from the experts to help you on your outsourcing journey.

Continue Reading

What you need to know about cyber liability insurance for your business

With new data protection laws upon us, it’s concerning to find that only 1 in 5 small businesses are prepared for the new regulations. This relaxed approach can make it easier for cyber attacks and data breaches to occur. To get in the know before these changes occur, here are five things that small businesses need to know about cyber liability insurance.

Continue Reading

5 Productivity Tips To Use When You’re on the Road For Work

A life on the road isn’t for everyone. However, sometimes work doesn’t give us a choice. If you’re travelling for business often, it pays to know a few productivity tips to keep you both relaxed and focused. Your time spent travelling is often longer than the time you spend at your destination. With this in mind, here are five ways to make the most of the in-between periods.

Continue Reading

4 things to remember from a legal perspective when choosing a name for your business

Aside from marketing and commercial considerations, choosing a name for your business is an important decision from a legal perspective.  Doing it correctly from the beginning can save you a lot of time and expense down the track.

Many businesses are involved in expensive intellectual property related disputes all the time basically because they did not do their homework initially and their brand is too similar to another brand which already exists in the marketplace and which relates to the same or similar goods or services.

Continue Reading

Five simple employee engagement ideas using your company’s intranet

Need some simple ideas for employee engagement?

Embracing the shift to social-media style interactions is an effective way to encourage collaboration in business. Features such as ‘likes’ ‘shares’ and comments’ have become instinctive, especially to the new wave of millennial employees.  Adopting digital communication techniques in the workplace can enhance employee engagement and productivity due to the familiarity and simplicity of the interactions.

Digital interactions at work are not a new idea. Intranet systems to support internal collaborations have been around for years, however, older systems were clunky and difficult to navigate, due to the heavy design influence from the desktop experience. In addition the idea of a platform such as an intranet for business being used in a similar way to how Facebook or Twitter is used today is not something that would have ever occurred to anyone. The substantial cost of the hardware, maintenance and technical updates made intranet systems unfeasible for small and upcoming businesses, due to the financial strain.

Continue Reading

5 Ideas To Boost Your Motivation

Do you find yourself struggling to accomplish goals and tasks on a constant basis? Even the simplest actions can send anyone into their rebellious, lazy minds sometimes. Though, there are ways around this, and there is always room for improvement.

 

Inspiration

We can all forget the things we are inspired by. When we neglect to remember, motivation can float away with that faint inspiration. Try recalling the things which originally inspired you to be where you are, in whatever category necessary. When you constantly supplement yourself with inspiring material, you feel like getting more accomplished to reach aspired goals.

One of the best ways to gain an exciting new perspective if you feel like you’re stuck in a rut is getting in touch with a small business executive coach.

Continue Reading

How to Write a Killer LinkedIn Profile

by: Rebecca Gutierrez, Director of Marketing, OBMI

Let’s face it, it’s a noisy digital world out there and standing above the crowd is difficult and time-consuming! LinkedIn has recently launched their newly designed profile pages for both companies and individuals which can help your profile stand out amongst the clutter. Although initially in beta nearly every profile has now been updated. There are some big changes to the updates and make a great profile even more important. Below are some tips on how to create a killer profile.

Continue Reading