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If you have a car or some other vehicle, then you are required by law to have automobile insurance, specifically, liability coverage.  Simply put, liability insurance coverage provides a measure of financial protection for you against damages you become legally obligated to pay because of a wreck...

Of all the liabilities that nursing homes face, few compare to the magnitude of Bed Sore or Decubitus Ulcer liability.  Bed Sores are a symptom of a systematic failure in many nursing homes . . . poor care.  Nearly all nursing home abuse or negligence cases involve some form of bed sore or pressu...

Nursing home abuse of the elderly takes many forms; it can be physical, emotional, financial, and even sexual.  Nearly one-third of all nursing homes have been cited for actual nursing home abuse. My partner Samuel C. Rumph wrote an interesting article regarding this topic. So we know nursing ho...

Almost 11,000 people are hurt on the job every day across the United States, and 13 people go to work and never come home according to the United States Department of Labor's Occupational Safety and Health Administration (OSHA).  This translates into almost 4 million employees suffering from sort...

In my last post, I talked about how the Supreme Court seized power from Congress, the President, and the States.  In this, the second in the series, I will talk about how the Supreme Court took what was then a very big player in national politics, State Power (and by extension – individual freedo...

In Georgia, if you get in a wreck, the at-fault driver pays.  In Florida, if you get in a wreck, you pay, regardless of fault.  The Florida system is called no-fault insurance.  This disparity can cause tremendous problems for those of us Georgians that enjoy a quiet week in Panama City or a loud...

Most people would be surprised to learn that the United States Supreme Court was never meant to be terribly influential.  This is the first part of a blog series that will look at how the role of the Supreme Court has changed over the years. Our founders originally meant for the Supreme Court to...

Here is a scenario that plays out daily in America.  You were injured in a car wreck, you settled with your insurance company or won a judgment in court, and now you are ready to be paid.  Then your attorney says he or she cannot settle because of TRICARE, the Department of Defense health care pr...

Medical payments coverage is an optional add-on provision to your automobile insurance policy.  It is not required coverage in Georgia, but it is certainly recommended even if you have other health care coverage.  Why?  It is the most affordable health insurance you can have to cover your health ...

Time and again we have had clients come in after being in a car wreck only to discover that there is no insurance coverage on the car that hit them and a lack of proper insurance coverage on their own car. Then we hear that frustrating phrase, “but I have full coverage, my agent told me so.” At t...

If you have a loved one in a long-term care facility, you may already know that falls pose a serious risk for their elderly population.  An average nursing home with 100 beds reports 100 to 200 falls annually according to the Centers for Disease Control and Prevention (CDC) and many more go unrep...

Accurately and completely portraying medical conditions and limitations on social security forms is vital to any successful disability application.  Sometimes this means providing more information than what appears to be being asked by the social security administration. In the last two blog art...

Whether you need to hire a lawyer is a reasonable question. In the last blog article we looked briefly at what constitutes disability.  I now want to look at the affordability of hiring an attorney on your disability claim. Lawyers are not free, and they are entitled to charge a fee for helping ...

When can I apply for the Social Security Disability? When should I apply? What is the likelihood that I will be found disabled? Do I really need an attorney or legal representative?  I get these questions frequently from prospective clients.  My next three blog entries will address these and othe...

There is a fine line between protecting your property and wrongful death.  Where does the law draw the line? In Georgia, we take property rights pretty darn seriously.  Of course, the value of property rights aren't something that originated in the south.  One must only look to the T...

How much insurance coverage do you really need?  We recommend that all our client periodically review their automobile policies. Some guidelines to consider when talking to your agent are: Liability Coverage:  Obtain the required liability coverage; $25,000 per person/$50,000 per accident is ...

Teens are three times more likely to be involved in a fatal car wreck than other adult drivers.  The CBS Evening National News this week devoted a portion of its nightly national coverage to a report on the alarming statistic showing that fatalities among teen drivers increased significantly in 2...

In our last article, we looked at some alarming U.S. statistics regarding deficiencies noted in the care of residents in a nursing home environment. While there are many issues that can arise involving unsatisfactory patient care, one that is becoming increasingly prevalent is the development of ...

The U.S. Department of Health and Human Services conducted studies from 2005 to 2007 on nursing homes and found that over 91% of nursing homes surveyed were cited for deficiencies. The most common categories included quality of care, quality of life, and resident assessment.  In being watchful f...

This purpose of this post is to write briefly on how you can become your loved one's best healthcare advocate in a nursing home environment. Despite good steps taken by you in ensuring placement in a good quality nursing home or assisted living facility, unfortunately it does not mean that your l...

If you have made the decision that your loved one needs to be placed in a nursing home, choosing the right facility may seem like an overwhelming task, but it does not have to be, especially if it is taken in small segments. A good place to start is by doing some research into the various types ...

Previously, we looked at whether your loved one may need a nursing home. The options existing for today's growing elderly population, our baby boomer generation, are much more extensive than what you might realize. One of the best sum...

Does My Loved One Need a Nursing Home? The decision to place your loved one in a nursing home may be one of the most difficult decisions you ever have to make.  However, good communications with your loved one(s) about why this may be beneficial and your understanding of available options will m...

Pedestrians in Danger in Macon, Bibb County, Georgia – Rumph Childers, LLC Blog Two recent studies place middle Georgia pedestrians among the most endangered on Georgia roads. Macon's WGXA Fox 24 television channel recently inv...