Injured at Work? You Should Check If You Qualify for Full Compensation

Injured at Work? You Should Check If You Qualify for Full Compensation

Injuries at work are relatively common. When they happen, injuries can have significant implications to the employee. An injury can lead to significant consequences like blindness, broken legs or hands, burnt skin, and even death. There are many causes of injuries at work. For example, you can fall when the offices are being cleaned. An object can fall on you or you can even be cut by sharp objects especially when you work in a factory. In this article, we will look at what you need to do when you are injured at work.

Why You Might Be Injured at Work

As mentioned, there are many reasons why you might be injured at work. If you work at a factory, the sharp objects you deal with can cut you. If you work in a farm, you can be bitten by a snake or another animal. If you are a truck driver, you could be involved in an accident. If you work in an office, you could fall or an object might fall on you. If you work in a laboratory, you could be affected by the chemicals that you deal with.

A work-related injury can have a major effect on your health. This means that it could cause irreparable damage to your life. It could also lead to high hospital bills. Further, it can also cause you to miss hours at work, which will affect your compensation.

What to Do When You are Injured at Work

When you are injured at work, the first thing you need to do is to notify your employer or supervisor about the situation. You should do this even when the injury you have suffered is not all that serious. Reporting the incident will help the company to rectify the situation and prevent other injuries in the future.

If you are injured, you have the right to get medication from the nearest or your preferred hospital. The hospital will help you get treated and get the care that you need.

If the injury insurance handles the claim, you will be fine. However, since insurance companies are not fond of paying claims, you may need to contact an injury lawyer, who will help you prosecute the case.

Work Injury Compensation

When this happens, you are not liable for making the payments to the hospital. Most companies in the United States are required to have workers’ compensation insurance. This helps them to reduce their liability when their employees have been injured. This is because, in some instances, the liability could be so much. For example, if an employee gets cancer that is linked to the work, the company could be forced to make the payments. All states in the United States except Texas mandate companies to have such insurance.

Type of Employee Covered in Work Injury Insurance

As mentioned, employers in most states are required to have work-related compensation insurance for their employees. As an employee, there are a few things that qualify you to these schemes. First, if you an undocumented worker, the insurance does not cover you. States that include undocumented immigrants are Arizona, California, and Texas.

Second, the benefits do not cover you if you are an independent contractor. For example, if you drive a car for Uber or Lyft, you don’t qualify. This is simply because you are not an employee of these companies.

Third, other examples of work that are not covered are seasonal workers, agricultural workers, and domestic workers.

Final Thoughts

Work injuries vary. When they do, these injuries could have serious implications for your health and your livelihood. As such, when starting work in a company, you need to read the contract carefully to ensure that your role is covered. Doing this will help you be more productive at work. It will also help you avoid the risk of working in a company that does not have such insurance.

 

Know about Social Security Long-term Disability

Know about Social Security Long-term Disability

Long-Term Disability Social Security

Imagine this. As a young person, you went to school and studied hard. You went to college and completed the studies well. You then landed a great job, where you continued with your hard work. You made impressive progress and the company decided to give you a promotion. Then, bad things happened and you became injured and disabled. This is the darkest time of your life. In this article, we will look at the long-term disability social security,

What is Long-Term Disability Social Security?

The Social Security and Supplemental Security Income disability are programs offered by the federal government. They are offered by the Social Security Administration (SSA). These programs exist to help people who have gone through a challenging period and became disabled. There are two types of these social security benefits.

First, there is the social security disability insurance, which pays benefits to you and members of your family if you are insured. This insurance means that you have worked hard and paid Social Security taxes. Second, there is the supplemental security income, which applies based on the financial need.

How to Apply for Long-Term Disability Social Security

To apply for these benefits, you first need to know whether you are eligible. A good way to start is to check whether you are eligible for the benefits. The Social Security website has a lot of material on how to check your eligibility. You can use this link to check whether you are eligible by following this link.

You should then use the Benefits Eligibility Screening Tool (BEST) to check whether you are eligible. It is a relatively simple process that will take less than 5 minutes to complete.

You should then proceed with the application. If the application is rejected, you can appeal the decision by following this link.

Do You Qualify for Disability Social Security?

As you may have noted, applying and getting approved for disability social security benefits is not easy. Ideally, the government looks at several things. You are considered disabled if you meet three conditions. First, when you cannot do the work that you used to do because of your injury. Second, when you cannot adjust to other work because of your injury, and finally, when your disability is expected to last for a year.  To qualify, you must show that you have less than $2000 in assets.

In addition, the social security department asks five key questions to determine whether you qualify. In this, they ask whether you are working, whether your condition is severe, whether your condition is found on the list of disabilities, whether you can do the work you used to do previously, and whether you can do other types of work. You will need medical records to verify whether you meet these guidelines.

What is Disability Fraud?

As many people have realized, making false statements so as to get social security is a crime punishable by law. Therefore, it is important that you avoid making illegal statements. Some of the things that you should avoid when making disability claims are:

  • Misrepresenting the diagnosis or symptoms with the goal of getting the benefits.
  • Accepting the payments while also receiving other related benefits such as workers’ compensation or a private long-term disability insurance program.
  • Receiving payments when you have recovered from the illness.

Final Thoughts

As a worker, you never know when an injury could happen. This is why you need to do two things. First, you should verify that the company pays injury insurance. This insurance will help cover your medication when you are unable to work. Second, you need to ensure that you pay your social security taxes. If you don’t, you will end up suffering in case of an injury.

Different Opportunities to Make Money Online

Different Opportunities to Make Money Online

Many people want to know how to make money from home. A single search of the term make good money from home on Google presents more than 5.7 billion results. Today, millions of people in the United States and around the world are using the various methods to make a fortune working from home. In this article, we will present the best ways you can make good money from home.

Writing for Seeking Alpha

Seeking Alpha is the biggest website for crowdsourced investment ideas. According to Similar Web, the website attracts more than 23 million users, mostly from the United States. The company welcomes investment ideas from people from around the world. They then pay for every idea that is published. The guaranteed payment per article is $52. Writers then make $13 for every 1,000 views for their articles. This means that if an article is read by 10k users, the writer will make almost $200. The company also pays $1,000 for some select articles. In addition, users can create their marketplaces. Indeed, some writers are making more than $1 million a year from the platform.

Working on Upwork

Upwork is the biggest platform for freelancers. The company, which recently became public, has millions of freelancers from around the world. It has thousands of projects every day. These are projects from individuals and large companies like Microsoft and Uber. The website has tens of categories. This means that you can succeed regardless of your skillset. Some of the popular categories are content writing, app development, and web design among others.

Online Surveys

Companies are constantly in need of feedback from their customers. Therefore, they use free online survey websites to get this feedback from their users. Users are then paid a few dollars for their answers. Some of the most popular online survey websites you can use are Survey Junkie, Paid Surveys, and Opinion Outpost.

Dropshipping

Dropshipping is a concept that has recently been popularized by Soulja Boy. Soulja, who is one of the most popular rappers among the young people recently started marketing items ranging from gaming devices to jewelry to sneakers. Soulja does not manufacture these things. Instead, he sources them from Chinese manufacturers. Therefore, when users buy these items from Soulja’s website, they are shipped by their manufacturers. You too can start a store, negotiate with manufacturers or retailers, and market them.

Affiliate Marketing

Competition in many categories is rising and retailers are using various ways to acquire customers. One method that has become popular is affiliate marketing. Companies like Amazon, Target, and Macy’s are offering commissions to people who refer their audience to their companies and buy. You too can become a successful affiliate marketer. All you need is a good website that is optimized for search and a big social media following. You will be paid every time your user buys an item from these stores. Some of the best affiliate sites are Amazon Affiliates, eBay Partners, and Shopify Affiliates.

Blogger or Vlogger

A blogger is someone who runs a blog while a vlogger is one who has a video blog on platforms like YouTube. These days, bloggers and vloggers are making a fortune. A popular vlogger like Pewdiepie makes more than $20 million a year. These people make money from the ads they show on their platforms. You too can become a blogger or a vlogger or both. A good way to start is to establish your niche and produce quality content.

Video Game Player

These days, thousands of people are making money as online game players. Ninja, the highest-paid video game player makes more than $500k a month playing video games. If you too are interested in video games, you can start by creating your channel and monetizing it.

Hosting a Podcast

Audio has been said to be the future of the media industry. In recent years, the number of people listening to podcasts has increased to hundreds of millions every year. As a result, podcasters are making a fortune. Just recently, Spotify acquired popular podcasting group, Gimlet Media, for more than $200 million. If you are a good storyteller, you too can create your own podcast. All you need is good audio-editing skills, audio recording equipment, and a good story.

Online Entrepreneur

You can be an internet entrepreneur as well. This is where you utilize your skills to make money. For example, if you are good at search engine optimization or website design, you can create a good home business. You will use Google and social media platforms to market and promote your business. In fact, many successful businesses have been started by people who work from home.

Etsy Seller

Etsy is the largest marketplace for original art products like drawings, home-made clothes, jewelry, and toys. The company generates more than $600 million from its marketplace. You can easily start your own Etsy store and sell your products. You can use other marketplaces like Saatchi Art and Amazon Home Made to diversify your Etsy income.

Online Trader

If you are into finance, then you can make a lot of money as a stock and forex trader. To do this, you first need to know the fundamentals of the financial industry. You should then open an account with one of the leading brokers like Robinhood and Schwab and then start trading. For example, if you spend $1,000 to acquire the stock of a company trading at $20, you will have 50 shares. If the stock price reaches $30, you will have $1,500, which is a $500 profit.

Airbnb

Airbnb is a company that allows you to rent out your spare room to customers. This is a popular method for people with a big house. While the earnings differ, it is reported that most Airbnb renters make almost $1,000 every month. This is good money considering that there are relatively no costs to doing this.

Online Coaching

Today, most people are going online to learn new skills. In fact, the online learning industry is expected to reach more than $325 billion in 2025. If you have skills worth sharing, it is very easy to make money as an online educator. For example, you can create an Udemy account, upload your training videos, and you will be making money every time a student buys your courses. To succeed, you need to create courses in an industry that you know well. Also, you need to invest in a good video and audio equipment.

Deliver Products for Amazon

Amazon has become one of the biggest companies in the world. It is worth more than $886 billion. Part of the reason why most Americans use Amazon to shop is its time of delivery. Recently, the company launched a product known as Amazon Flex. The product allows anyone to deliver products that are bought on Amazon. On its website, Amazon says that users make between $18 to $25 an hour. This is much more than the average hourly rate in the country.

Uber and Lyft Driver

In recent years, companies like Uber and Lyft have disrupted the taxi business. Today, most people use these services to travel for short distances. If you have a car, you can enroll it on the platforms and get paid for all the trips that they make. In the US, the average salary for an Uber driver is more than $40,000.

Takeaway on Making Good Money From Home

It is possible to make good money online. Millions of people from around the world are using some of the methods explained above to make money. However, you should remember that making money from home is not an easy thing. It will take a lot of time, blood, sweat, and tears to make a substantial amount.

 

The Best Survey Sites Where You Can Make Money

The Best Survey Sites Where You Can Make Money

A Review of The Best Online Survey Sites That Pay

A commonly Googled question is on the best ways to make money online. That question alone has more than 2 billion results, which is a testament to how people want to use the internet to make money. Some of the most common methods of making money online are content writing, graphic design, online marketing, and customer service among others. In this article, we will look at the best online survey sites that can help you make money. Before we look at the individual sites, we will look at how online survey sites work.

How Paying Online Survey Sites Work

Companies are in a constant need for feedback from their customers and their employees. In this, they want to know how the customers and employees think about them, their products, and the services that they offer. These companies use several approaches to get this information. Some have a suggestion box, that is found at their premises. Others use the various review sites to get feedback. Those that want a scientific feedback contract companies to conduct this research. They then pay these companies money to conduct the research. The online surveying companies will then pay you to participate in a survey.

Can You Make Good Money Using Online Surveys?

It is possible to make money answering surveys online. However, as you will realize, the money is not all that good. This means that you cannot use online survey sites as a career because it will not be sustainable.

Paying Online Survey Companies

Inbox DollarsInbox Dollars

Inbox Dollars is an online surveying company that was started in 2000. The company works with leading consumer brands like Netflix, Target, and H&R Block, who pay it for user feedback. Since then, the company has rewarded its customers with more than $56 million. These people earn money by taking paid online surveys, watching videos, reading emails, and shopping online. After doing all this, the company will add the funds to your account. You can withdraw these funds using PayPal or direct to your bank account.

Opinion Outpost

Opinion Outpost

Opinion Outpost is an online surveying company that works in a very similar way to Inbox Dollars. The company has leading brands like Walmart as clients. When these companies want to get feedback from clients, they get in touch with the company. The company then sends the survey to you through email. You can also sign into your account to find the surveys that are available. After completing the survey, you will receive money on your account. You can then withdraw these funds through your preferred methods. However, since the money is not a lot, you have to fill many surveys before you withdraw it.

VIP Voice

VIP Voice

VIP Voice is an online research company that works with companies in the beauty, fashion, electronics, and toys industry. It has more than 3 million members. As with the other online survey companies, VIP Voice gets requests from companies and then sends them to its users. These users then give it their feedback. In return, the company pays them for their feedback. However, unlike the other two, the company does not pay cash for these surveys. Instead, the company gives you points for every survey that you complete. These points can then be used as entries into sweepstakes. If you win, you get rewarded with things like televisions and mobile phones.

Harris Poll Online

Harris Poll Online

Harris Poll Online is one of the oldest polling companies in the country. If you follow politics, you have likely heard about these polls. Until 2014, the company was listed at the Nasdaq. It was then acquired by Nielsen, which is the biggest ratings and measurement company in the world. With the Harris Poll Online, users receive surveys from leading companies and non-profits, complete them, and then get paid using points. 1250 points are worth $10, which you can withdraw. In addition, after filling the survey, you are enrolled in a sweepstakes, where you can win up to $10,000.

Pinecone Research

 

As with the other companies, Pinecone Research is an online survey company that has many big names as customers. After you sign up as a member, the company will send you surveys that you can fill. After filling these surveys, you then earn points. After accumulating points, you can redeem them on the company’s website. The points will expire if you don’t redeem them within a year. The only difference between Pinecone and other surveys is that the process of joining is relatively difficult. Indeed, the first payment will be sent through a check, which you must cash in. This is done to verify your address.

Ipsos i-Say

Ipsos is one of the largest surveying companies in the world. While it is synonymous with political surveying, the company makes most of its money on corporate surveys. Its i-Say service has more than 3 million users who are paid to take surveys. The model is similar to those of other companies mentioned above. However, the company does not pay cash for these surveys. It pays in form of gift cards, which can be redeemed at companies like Marks & Spencer, Tesco, and Amazon.

Final Thoughts on Online Surveys

There is a big demand for online surveys that pay. However, while you can make some money, it is not possible to have it as a full-time career. Also, you need to be careful about companies that put you in sweepstakes. This is because it is almost impossible to win using these sweepstakes.

Congress Extends Refinancing Plan That Can Save Homeowners Thousands A Year In Mortgage Payments

Congress Extends Refinancing Plan That Can Save Homeowners Thousands A Year In Mortgage Payments

House prices are rising in the United States. This is simply because of the strong economy, the low unemployment rate, slightly better wages, and the demand of housing from foreigners. The historic low interest rates have also contributed to the surge in housing prices. The government has done a few things to make the housing industry affordable to many people. In this article, we will look at some of these programs and how you can use them to buy a house.

HARP Program

In 2009, following the global financial crisis, congress passed the Home Affordable Refinance Program (HARP) to help underwater refinance with lower rates. This helped them afford homes at a time when the economy was going through challenges. The program, which was modified severally in over ten years, helped people refinance up to 125% of the value of their homes without insurance. However, the program ended in 2018, when the demand for those refinancing slowed down.

HARP Alternatives

Today, it is not possible to access HARP because it expired in 2018. Still, there are alternatives that you can use to finance your house purchase.

The first alternative to HARP is the High Loan-to-Value Refinance option that is offered by Fannie Mae. This option offers refinance opportunities to borrowers that have Fannie Mae mortgages. The borrowers eligible have a history of paying their payments on time. However, these borrowers have an LTV ratio for a mortgage that is bigger than the maximum allowed. The borrowers using this facility benefit in four main ways.

They reduce the monthly principle and interest payments. This is an essential thing at a time when most Americans are living paycheck to paycheck. They also have lower interest rates, shorter amortization term, an a more stable mortgage product.

To qualify for the high loan-to-value program, you need to pass a number of qualifications. First, as mentioned, you need to have a Fannie Mae mortgage. Second, you must have a good track record paying back your mortgage. In this, you need to have no 30-day delinquencies in the past 6 months and no delinquencies that are bigger than 30 days. In addition, the mortgage that you are refinancing must not have been previously delivered as a Fannie Mae DU Refi Plus or Refi Plus mortgage. Finally, you must have at least 15 months between the Note Date of the mortgage that you want to refinance and the Note Date of the high LTV refi mortgage. You can check whether you qualify for the program using this link. The table below shows the minimum LTV ratios.

The second option available to you is the Enhanced Relief Refinance Mortgage that is offered by Freddie Mac. This product provides opportunities to borrowers who have mortgages with the company and those who are making timely payments but are unable to take advantage of the no-cash-out refinance offering. They are unable to do this because the new mortgage is more than the maximum LTV limit. To qualify for this relief program, you need to meet a certain criterion.

First, you need to have interest in reducing your principal and interest payments. Second, you want to reduce the monthly principal and interest on your First Lien Mortgage. Finally, you want to refinance into a more sustainable mortgage that promotes long-term home ownership. Some of the mortgage products that are available are convectional 15-, 20-, and 30- year mortgages. The table below shows the minimum LTV ratios for this program.

Final Thoughts

Home ownership is the ultimate American dream. While buying a house is always a difficult thing, these two options that are backed by the government can help you accelerate your dream of owning a home. Before you enroll, it is essential that you take your time to discuss this with a qualified financial advisor who has been in the industry for many years.

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Best Free Credit Report Sites

Best Free Credit Report Sites

Knowing your credit score is very essential, especially when you want to get financing from a bank and other lenders. A credit score is simply a three-digit number that tells the lenders how capable you are in paying the loan. The report is prepared by credit scoring companies like Fair Isaac, which get the data from credit bureaus like Equifax and TransUnion. The credit bureaus, on the other hand get the data of all your transactions from banks and other financial organizations you use. In this article, we will look at the most popular free credit report websites.

How Free Credit Score Sites Work

In the past, it used to cost money to check your credit scores. To date, some organizations charge money for users to check their credit scores. The idea is very simple. As a user, you will visit the websites or download the app, check your score, and the company will give you recommendations on the best lenders. If you take a loan, the lender will give the company a commission.

Best Free Credit Report Companies

Credit Karma

Credit Karma

Credit Karma is one of the best-known free credit score company. Established in 2007, the company has become very popular with users. As a result, it has raised more than $860 million from venture firms and is valued at more than $4 billion. The company uses the model described above. As a user, you just log-into the site, fill a few details, and get your score. The company will then recommend the best companies or credit cards for you. The company also makes money from the lenders and credit card companies that list on its website. Get your free credit report here.

Wallet Hub

Wallet Hub

Wallet Hub is another alternative to Credit Karma. The company was established in 2013 and offers free credit reports, daily credit scores and reports, detailed credit monitoring, and credit improvements. The company makes money when its users take loans from the companies it recommends. It also makes money from the lenders that advertise on its platform. Get your free credit report from Wallet Hub here.

Credit Sesame

Credit Sesame

Credit Sesame is a fast-growing company that was started in 2010. The company offers credit and loan management services to millions of customers. To check the credit score, all you need to do is to go to its platform and select the free credit score tab. After entering your email address, you will be asked to answer a few questions. The company will then give you a free credit report and recommend the best places you can get financing. In addition, the company provides other services like ID theft protection and credit monitoring. Get your free Sesame credit score here.

Bankrate

Bankrate was established in 1993 to offer customers with relevant personal finance information. The company was acquired by Red Ventures for $1.24 billion in 2017. Previously, the company was listed on the New York Stocks Exchange (NYSE). Its services include mortgages, banking, credit cards, loans, and investing. In addition, the site offers free credit reports and credit monitoring reports. As with the previous companies, Bankrate makes money from commissions from the lenders. It also makes money from advertisements on its platforms. Get your free report here.

Free Credit Score

Free Credit Score

Free Credit Score is a company that is owned by Experian, which is one of the big three credit bureaus in the country. To check the score, all you need to do is to visit the website, enter your details, and the score will be delivered within seconds. You can use the Free Credit Score website here.

Nerd Wallet

Nerdwallet

Nerd Wallet is one of the best-known personal finance platforms in the country. The company was established in 2009 and has raised more than $105 million. This gives it a valuation of more than a billion dollars. The company offers multiple services like free credit scores, editorials, and credit card recommendations. To use the platform, all you need is to visit the website, fill your information, and receive your report. The company will make money when you use a service provided by its partners. Get your free credit score here.

Summary

Getting a credit report is very essential for you to achieve financial freedom. Checking the reports regularly will help you see whether you are making progress on your finances. It also helps you be protected, especially now that there are so many reports on cybercrime and identity theft. Using some of these free credit reports companies will help you be safe.