Prompt Pay

Jul 30

As defined by the U.S. Department of the Treasury, “prompt pay” is a policy that “makes sure that valid and proper invoices submitted by vendors are paid on time by federal agencies.” In 2003, the state of Texas implemented its own Prompt Payment Act to ensure that doctors and other medical professionals were being fairly compensated for their services. Prior to the act, many insurance companies engaged in evasive business practices that cheated medical practitioners of the full compensation that they were entitled.

The Prompt Payment Act of 2013

As the Prompt Pay attorneys at Williams Kherkher explain, the Texas Prompt Pay Act of 2013 does not cover all insurance programs. Furthermore, not all physicians that provide patient care are eligible to pursue a Prompt Pay Act claim. Unfortunately, prompt pay laws are extremely complex, and medical professionals often enlist the help of experienced lawyers to help them determine their eligibility. The basic eligibility requirements for Prompt Pay include the following:

  • The patient must be insured by an entity covered by the Prompt Pay Act
  • The medical care provider must either have a written contract with the insurance company, have performed services in an emergency or its “attendant episode of care,” or have performed services at the request of the insurance company because an in-network doctor could not have “reasonably” performed the services.
  • The claim initially submitted to the insurance company must have been “clean”—complete, legible, and accurate.
  • The claim must have been submitted within 95 days of services rendered

There are occasionally exceptions made to these basic requirements, but such exceptions are extremely rare.

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Employer Responsibility: Indoor Air Quality

Jun 20

Employers should not overlook indoor air quality. It can affect both the productivity and health of employees, so it is a lose-lose situation if they ignore the role of indoor air quality, even if they look at it in a pure business perspective.

It doesn’t matter what industry they are, because all kinds of work are vulnerable to poor air quality. Below are just some of the things employers can do to ensure the cleanliness of air in their premises.

Installing the adequate ventilation system

The most basic thing they can do is to get a good ventilation system, such as that from RoboVent. A ventilation system does not just circulate air and control temperature, as it can also effectively filter dust and other pollutants.

Of course, merely installing the system is not enough. Maintaining it to avoid defects and malfunctions are just as important.

Designing the workplace for good air circulation

Even if the workplace has an adequate ventilation system, it may not function in its most effective if the workplace itself is not designed in a way that promotes good air movement. Furniture, supplies, equipment, and even entire machines should not block airways, particularly air conditioners, hallways, and windows. The place should also not be too crowded.

Maintaining the workplace

The ventilation system is not just the only thing that needs maintenance. The entire workplace should be cleaned for aesthetic and health reasons. Aside from ventilation system defects, the most common maintenance issues include excessive emissions from appliances and office equipment, improper disposal of trash, improper storage of food, and growth of bacteria, mold, and other contaminants.

Avoiding pollutants

Pollutants such as chemicals and particles are sometimes unavoidable, especially on industries such as manufacturing and mining. In these instances, it is best to wear protective gear to avoid direct contact. But on instances where they can be avoided, like in office spaces, it is just wrong not to even try avoiding them, because they can present risks, particularly for the eyes, skin, and lungs.

Employers should avoid materials and processes that may cause pollutants, and they can do this by enforcing rules, such as establishing smoking areas and separating high-emission equipment from the work area.

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Why Planes Crash

Feb 21

Aviation accidents happen less often compared to car accidents, but when they do, you always see them on the news. Most of the time, plane accidents result into serious injuries and even death. According to the website of the aviation accident lawyers of Habush Habush & Rottier S.C. ®, you have legal options you can pursue in case you or a loved one has been injured in an aviation accident.

Pilot Error
One of the most common causes of plane crashes is pilot error. Airplanes are extremely complicated machines, so there are almost unlimited opportunities for the pilot to commit a mistake. Pilots can misread equipment, underestimate weather conditions, and fail to recognize mechanical defects and malfunctions.

But getting rid of pilots altogether is not ideal, as there are complications where human intelligence and experience is still better compared to computer analytics. In a way, pilots are still the last lines of defense against crashing.

Airplane Defect
Airplane defects can occur because of many reasons, such as the inherent flaw in the plane’s design, external factors such as weather conditions, and poor maintenance. There are some instances where the pilot can fix the problem or adjust to ensure the safety of everybody on board. But there are also instances where the defect is so great that the pilot will not be able to do anything significant against it.

Weather Condition
Different weather conditions pose different kinds of threats to airplanes. There are conditions that may damage the plane’s features, such as lightning strikes. There are conditions that may compromise the safe travel of the plane, like how thick fogs can affect visibility, and how rain water, snow, and ice can affect take-off and landing procedures because of runway issues.

The advancement of technology has helped the aviation community to determine weather conditions in advance, but still, many plane crashes today occur because of bad weather.

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What Are The Common Causes Truck Driver Errors?

Oct 08

When truck accidents happen, the first one to be blamed is the truck driver. Although in some instances, they are not entirely to be deemed at fault, most accidents are the result of driver error. The website of Russo, Russo & Slania, PC reveals that truck accidents can have a much greater impact compared to car accidents. This is attributed to their enormous size and weight. There are different factors that can cause truck accidents.

In a recent study made by the Federal Motor Carrier Safety Administration (FMCSA), driver error is ten times more likely to contribute to trucking accidents than other factors such as road conditions, weather, and vehicle performance. Let us take a look at some of the driver errors that cause trucking accidents:

Driver Fatigue

Driving for extended hours can cause fatigue in the driver making them inattentive and fall asleep. As a result, they misjudge gaps, ignore signs of possible danger, and unable to react to a situation. This is a preventable error if the employer of the driver would only adhere to the rules on working hours by the driver set forth by the Federal government.

Drug Use

Unless prescribed by a licensed physician, a truck driver is not allowed to use any controlled substances. Again by adhering to safety guidelines, accidents due to drug use may be prevented. Trucking companies must make sure that their drivers are properly tested for alcohol and drug use when applying as a driver.

Not Being Able To See The Blind Spots

Trucks have bigger blind spots compared to other vehicles. To avoid these kinds of driver error, they must be trained to be aware of their blind spots to avoid colliding with smaller vehicles. Studies show that truck accidents are 60% more likely to happen when vehicles are in a no-zone.

The number of truck accidents can decrease by minimizing driver error. Employers have the duty to provide their drivers with proper training and truck drivers are required to oblige.

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Car Liability Insurance Coverage: It’s Actually for Your Own Protection

Jun 29

From 2008 to 2015 the average annual rate of fatal car accidents in the U.S. was 33,000 – this is 11,000 less than the average annual rate from 1981 to 2007. The National Highway Traffic Safety Administration (NHTSA), other governmental organizations and all those directly concerned about traffic safety are obviously working hard in implementing road safety rules. Besides the passing of new laws that will increase road safety, car manufacturers also do their part by improving car design and equipping new vehicles with modern safety devices that will make cars safer than ever before.

Having 33,000 deaths every year, however, is still alarming, especially when more than 90% of car crashes are due to driver error. This simply means that these accidents and deaths can be prevented if only drivers would act responsibly while behind the wheel and not compromise the safety of other people on the road.

Bad road behavior is not the only fault man has, though. Many of those who cause accidents are also guilty of failing to paying compensation to their victims. Thus, besides causing their victims pain and suffering, victims are also made to suffer financially due to the cost of medical treatment and lost wages.

In order to help assure accident victims of the compensation they have a legal right to claim, a law was passed which would require drivers to carry auto liability insurance. This law was passed in 1925, with Massachusetts and Connecticut being the first states to adopt it. Today, this law is known as the Financial Responsibility law and its purposeis to make sure that drivers at fault in accidents have the financial capability to compensate their victims for the damages and losses these are made to suffer.

The Financial Responsibility law requires that drivers carry auto liability insurance. Thus, a driver, whether of a car, a truck or a motorcycle, will need to show proof that he or she carries one whenever he or she renews his or her license, registers his or her vehicle, gets pulled over by a police officer or gets involved in an accident.

The type of insurance coverage a driver needs to carry depends on the type or liability system recognized in the state where he or she resides. In 38 states, the recognized insurance coverage is the tort or fault system, while in 12 others, the “no-fault” coverage is what is required. Under the tort or fault system, compensation is paid to the victim by the insurance provider of the driver at fault in an accident; under the “no-fault” system, however, drivers involved in an accident are compensated by their respective insurance providers regardless of who is at fault in the accident.

Fault or “no-fault” system, one common thing about insurance policies is that these are needlessly expensive. Often, drivers are made to pay much more than what they really should. Independent car insurance firms, like Insure on the Spot, however, are working to change the image of the insurance world – from too costly to budget friendly and without shielding from clients the best deals available. The best way to find the type of coverage that one needs is by going online and visit the website of these independent car insurance firms. These firms offer clients insurance quotes, some offer a dozen quotes, which can be compared to help them find what will match really need and budget.

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