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Young children and older adults are at particularly high risk for burn injuries. Children have immature motor and cognitive skills, strong dependence on adults for supervision and danger-avoidance, and an inability to self-rescue. Older adults often have decreased reaction times, impaired mobility and may suffer from the effects of a pre-existing health condition.

National Burn Awareness Week: February 1-7, 2016
http://ow.ly/XEGck
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Arbitration agreements have become highly controversial for the way they hamstring employees and weaken their legal power. By sending disputes to an arbitrator, they force workers to pursue their claims individually and outside of court, preempting any collective action. And even though they're supposed to be neutral third parties, arbitrators are often cozy with the companies that workers are squaring off with, as The New York Times detailed in a recent series.

"Guitar Center Tells Employees To Sign Arbitration Agreements Or Lose Their Jobs"
http://ow.ly/XjBKU
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Four general ways to finance long-term care expenses include:

Self funding with personal assets
Medicaid
Traditional long-term care insurance
Long-term care insurance combined with life insurance or annuity
I will discuss the first two of these today and go into the others in subsequent posts.

The overall cost of long-term care can be defined as:

LTC Cost = LTC Expenses + LTC Insurance Premiums – LTC Insurance Benefits

"Two Options for Funding Long-Term Care Expenses"
http://ow.ly/XhK3S
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These ABLE accounts are structured along the lines of other tax-advantaged savings accounts, such as the popular 529 college savings account, where earnings from contributions (subject to a $14,000 annual limitation) can accumulate on a tax-free basis. Made possible by federal legislation introduced back in 2014, the New York legislature passed its enabling bill last year, with New York becoming the 20th state thus far to make these useful accounts available for use by qualified disabled residents.

"ABLE Accounts: providing a better life experience for New York’s disabled residents"
http://ow.ly/XhmFO
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One of the obvious results of a severe burn injury is physical pain and discomfort. Depending on the severity of the burn, physical pain can continue for weeks, months, and in some cases, for the rest of a person’s life. Physical pain can impact many aspects of a burn victim’s life. The pain can severely limit a person’s ability to work, to sleep, and to do everyday activities. Many burn victims report the pain and anger associated with constant itching as the worst part of the recovery process.

"Life After Burn Injury: Physical Pain"
http://ow.ly/Xf3J8
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The lifetime costs of a patient’s treatment for a traumatic brain injury are estimated to run from $85,000 to $3 million.

Certainly increased media attention on head injuries and concussion in athletes participating in youth, college and professional sports has sparked new initiatives and research. And Concussion, the much-awaited movie starring Will Smith, adds to the public conversation about traumatic brain injury and its consequences.

But is it enough to have only an intermittent spotlight on this pervasive problem?

"The Steep Cost of Brain Injury Recovery"
http://ow.ly/WNNXP
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Indiana's malpractice damages cap was enacted in 1975, according to the Indiana State Medical Association. Under Indiana law, doctors are responsible for only the first $250,000 in damages to any patient for each act of malpractice, but no more than $750,000 total per year. The state's Patient Compensation Fund pays any excess, up to $1 million.

Family Keeping Up Fight Against Indiana Malpractice Cap
http://ow.ly/WM3L9
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Expert affidavit to be considered on summary judgment motions - whether or not the expert has been previously disclosed.

"Important Legislation Signed by Governor re: Expert Affidavits"
http://ow.ly/VZT6v
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Many personal injury lawyers we know seem to be in the consistent habit of bringing their clients into mediation. There is also a sizable number who take the contrary view. Our own view is a little more nuanced. As a general practice pointer, we find more often than not there will be a clear advantage in having your client participate in case mediation.

"Bringing Your Client to Mediation: the pros and cons considered"
http://ow.ly/VYyQo
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