by: Tony Merlino
Or how about this one? Put up a web site, run a couple of ads in the search engines and clients will beat a path to your door.
Hello...It ain't gonna happen. Nothing could be further from the truth. The real truth is, these days the cost of advertising, the declining response of Yellow Page ads and the increasing competition for effective Internet advertising space makes getting client leads much more expensive and far more difficult than ever before.
This is probably not a very big surprise to you. Because, if you've done any advertising in hopes of attracting new clients, you (in all probability) produced mediocre results.
Your efforts may even have been a complete disaster. Don't feel bad...This is a tough game and it takes a pro to consistently deliver results.
Let's face it, if it were so easy to pull in droves of new clients, everybody with a law degree would be rich. But you and I both know that simply is not the case.
And even if you are already doing a brisk business, you must still keep bringing in a healthy flow of new clients.
Jersey Justice Presents A Foolproof Way To Bring In More New Clients
Fortunately, there is an answer, and I'm going to pull back the curtain and show you some details about how we do what we do.
Be Patient. This is going to be worth the wait. First I need to ask a few preliminary questions just to get you thinking about your present client acquisition dilemma.
Start Receiving All The New Clients You Can Handle
1. Are you satisfied with the current quantity of new clients generating income for your firm?
That's the 20% of your cases that generate 80% of the firm's revenues.
2. How are you attracting new business?
3. And, is your new client acquisition cost kicking your butt?
One more question and then we'll begin to give you some answers.
Is Your Existing Internet Presence, (your website) Delivering On The Promise Of Attracting New Clients,
OR
Is It Just Another Beautiful Billboard In The Desert That Nobody Sees?
If you are failing to attract new clients from the Internet, you are missing out on a great opportunity. As you well know by now, just having a website is no guarantee it will produce enough clients.
Maybe it's about time to re-evaluate your Internet marketing strategy. If you are relying on your (way too expensive) Yellow Page ads, and the standard "me too" legal website, to trickle in the majority of your new business, Stop Kidding Yourself.
That antiquated strategy isn't going to cut the mustard in today's highly competitive market for legal prospects.
Here's a workable solution to the catch 22 of Internet based legal marketing.
About The Author
Tony Merlino is webmaster and legal marketing consultant at http://www.JerseyJustice.com, a legal information and marketing portal for clients and their lawyers in New Jersey.
Saturday, June 23, 2007
Medicare and Your Health
by: Viojeley Gurrobat
There is nothing more important than your health and the health of your family. Of course, education, food and shelter are also important, but at the end of the day the health of our family is probably the most important thing to us. After all, how can we get good education, put food on our table and build our family good shelter when we cannot get up to work every morning.
In the past, people go to work seven or six days a week to feed their families and put clothes in their backs. But there is no medical care available so they just spent most of their money on food, education and other living expenses. But in the 1950s, the officials of the Social Security administration noticed that older Americans were facing a health crisis. With the increasing number of older Americans each year, the Social Security Administration and the Congress established the Medicare program. Medicare applies to everybody over the age of 65. As the population ages, so is the risk of certain serious health conditions. But if you are covered by Medicare, you likely qualify for a number of benefits that could help prevent life-threatening illnesses.
The benefits you can avail of when you are covered by Medicare may include tests for prostate cancer, breast, vaginal, cervical and colorectal cancer, diabetes monitoring, bone mass measurements and pneumonia and hepatitis B shots. Although Medicare is mostly available for older Americans, younger people with disabilities and people with end stage renal disease may also be eligible.
The Medicare program has two parts, Part A otherwise known as Hospital insurance and Part B or Medicare insurance. Part A covers home health and hospice care, hospital and skilled nursing facility while Part B covers outpatient hospital services, doctor’s services, and other medical services and supplies. Eligibility for Medicare requires that you have to be a US citizen or have been a permanent legal resident for five continues years and you are 65 years old and older.
Remember that illness and disease unlike aging can be prevented. Hence, it is essential that you have a healthy lifestyle and make it a point to take advantage of the medical and preventive services available to you. When you have done this, the chances of your living to your golden years will be higher.
About The Author
Viojeley Gurrobat loves readings books in her spare time. She writes stories and poems about anything under the sun.
For comments and suggestions kindly visit: http://www.socialsecuritylawattorney.com/security/social-security-medicare-attorney.html
There is nothing more important than your health and the health of your family. Of course, education, food and shelter are also important, but at the end of the day the health of our family is probably the most important thing to us. After all, how can we get good education, put food on our table and build our family good shelter when we cannot get up to work every morning.
In the past, people go to work seven or six days a week to feed their families and put clothes in their backs. But there is no medical care available so they just spent most of their money on food, education and other living expenses. But in the 1950s, the officials of the Social Security administration noticed that older Americans were facing a health crisis. With the increasing number of older Americans each year, the Social Security Administration and the Congress established the Medicare program. Medicare applies to everybody over the age of 65. As the population ages, so is the risk of certain serious health conditions. But if you are covered by Medicare, you likely qualify for a number of benefits that could help prevent life-threatening illnesses.
The benefits you can avail of when you are covered by Medicare may include tests for prostate cancer, breast, vaginal, cervical and colorectal cancer, diabetes monitoring, bone mass measurements and pneumonia and hepatitis B shots. Although Medicare is mostly available for older Americans, younger people with disabilities and people with end stage renal disease may also be eligible.
The Medicare program has two parts, Part A otherwise known as Hospital insurance and Part B or Medicare insurance. Part A covers home health and hospice care, hospital and skilled nursing facility while Part B covers outpatient hospital services, doctor’s services, and other medical services and supplies. Eligibility for Medicare requires that you have to be a US citizen or have been a permanent legal resident for five continues years and you are 65 years old and older.
Remember that illness and disease unlike aging can be prevented. Hence, it is essential that you have a healthy lifestyle and make it a point to take advantage of the medical and preventive services available to you. When you have done this, the chances of your living to your golden years will be higher.
About The Author
Viojeley Gurrobat loves readings books in her spare time. She writes stories and poems about anything under the sun.
For comments and suggestions kindly visit: http://www.socialsecuritylawattorney.com/security/social-security-medicare-attorney.html
Lawyer - Advocating Justice
by: Sintilia Miecevole
If you are facing legal problems you can use the services of a lawyer. In cases such as accusation of committing a crime, a lawsuit or facing harassment at your office, you can hire a lawyer. The other situations where you might need lawyers are: buying or selling real estate, establishing a new business, marital problem, taxation issues, arrest, accidents involving injuries or property damage.
It is important to choose a proper lawyer for yourself. It is advisable to call up several lawyers before zeroing on the final one. Fix up a meeting with them so as to get an initial feel about them. It is important to ask questions such as the percentage of cases similar to yours that have been handled by your lawyer. When did he last handle a similar case? Watch out if the lawyer is forthcoming with the references of his past clients. It is important to ask for his fee structure. Ask him about a rough estimate of the costs as well as a time frame to handle the case. There are various arrangements according to which the lawyers can charge. There is the consultation fee that is charged when you meet initially. The other modes are contingency fee, flat fee, hourly rate, referral fee or statutory fee. Find out where the lawyer is licensed to practice. In the initial interview you are also likely to be asked about the information on your case. For this purpose you need to gather all the valid documents and information. You will also have to carry those materials for the meeting.
There are a few things you must keep in mind once you have finally chosen the lawyer. It is important to tell everything pertaining to the case to your lawyer. It might even be foolish or embarrassing but it is worth it. Time is of great essence both for you and your lawyer. You may have to go that extra bit to make yourself available to your lawyer in the discussions pertaining to the case. In case it is you who has filed the suit, keep a check on the costs. Is the lawyer’s cost turning out to be more than what you had thought and it is not making a good business sense? Then a feasible option is to opt out of the case.
You can also solve your cases by mediation and negotiation with the help of alternative dispute resolution or ADR programs. You can also go for a self-representation. In case your dispute has a value less than or equal to an amount of $2500, then you can resolve in a small claims court.
About The Author
Sintilia Miecevole
Click on http://www.uwlawyer.com with your host, Sintilia Miecevole and find access to lawyer information; everything from lawyer, counsellors, defense, court, advice to debt settlements, divroce, law and much more. Find the information you are looking for - visit http://www.uwlawyer.com
If you are facing legal problems you can use the services of a lawyer. In cases such as accusation of committing a crime, a lawsuit or facing harassment at your office, you can hire a lawyer. The other situations where you might need lawyers are: buying or selling real estate, establishing a new business, marital problem, taxation issues, arrest, accidents involving injuries or property damage.
It is important to choose a proper lawyer for yourself. It is advisable to call up several lawyers before zeroing on the final one. Fix up a meeting with them so as to get an initial feel about them. It is important to ask questions such as the percentage of cases similar to yours that have been handled by your lawyer. When did he last handle a similar case? Watch out if the lawyer is forthcoming with the references of his past clients. It is important to ask for his fee structure. Ask him about a rough estimate of the costs as well as a time frame to handle the case. There are various arrangements according to which the lawyers can charge. There is the consultation fee that is charged when you meet initially. The other modes are contingency fee, flat fee, hourly rate, referral fee or statutory fee. Find out where the lawyer is licensed to practice. In the initial interview you are also likely to be asked about the information on your case. For this purpose you need to gather all the valid documents and information. You will also have to carry those materials for the meeting.
There are a few things you must keep in mind once you have finally chosen the lawyer. It is important to tell everything pertaining to the case to your lawyer. It might even be foolish or embarrassing but it is worth it. Time is of great essence both for you and your lawyer. You may have to go that extra bit to make yourself available to your lawyer in the discussions pertaining to the case. In case it is you who has filed the suit, keep a check on the costs. Is the lawyer’s cost turning out to be more than what you had thought and it is not making a good business sense? Then a feasible option is to opt out of the case.
You can also solve your cases by mediation and negotiation with the help of alternative dispute resolution or ADR programs. You can also go for a self-representation. In case your dispute has a value less than or equal to an amount of $2500, then you can resolve in a small claims court.
About The Author
Sintilia Miecevole
Click on http://www.uwlawyer.com with your host, Sintilia Miecevole and find access to lawyer information; everything from lawyer, counsellors, defense, court, advice to debt settlements, divroce, law and much more. Find the information you are looking for - visit http://www.uwlawyer.com
Make Sure Prospects Know How You Differ From Other Lawyers And You'll Be Miles Ahead Of Competitors
by: Trey Ryder
Are you the same as all other lawyers? Of course not. But do your prospects and clients know how you're different?
Everything you do to attract new clients and maintain current client relationships should clearly state how you differ from other lawyers.
One of the most important functions of marketing is to emphasize the ways you differ from your competitors. Yet if you interviewed your prospects and clients, they might tell you one lawyer is the same as another.
Everything you do to attract new clients and maintain current client relationships should clearly state how you differ from other lawyers.
Some time back, I heard the marketing director at a large law firm say that her lawyers weren't any different from lawyers at dozens of large firms. If she truly believes that, the firm needs a new marketing director because she just surrendered in the face of her competitors.
No two competing attorneys are exactly the same. No other attorney on the planet has exactly the same education as you. No other lawyer has served the same clients -- or handled the same cases -- as you. No other lawyer has taken the same continuing education classes as you. As a result, no other lawyer will make decisions exactly the way you do.
Whether this makes you liberal or conservative, aggressive or passive, here's the point: Every bit of information and experience that you absorb affects how you provide advice and services to your clients. Your advice and services are not like those provided by any other lawyer. You should promote your uniqueness as one of your major competitive advantages.
Competitive advantages and disadvantages are determined ONLY by what is important to your prospects and clients. If you've been in practice 20 years, you could conclude that your tenure is a considerable competitive advantage. But if your prospects don't care whether their lawyer has practiced for 20 years or 5 years, it's no advantage at all, at least not to that group of prospects.
Here's your assignment: The positive ways you differ from other lawyers are your competitive advantages. The negative ways you differ are your competitive disadvantages. Identify both so you know your strengths and weaknesses.
Look at the following lists from your prospective clients' point of view. Write down your answers to each question and then label whether you think the answer is an advantage (A), a disadvantage (D), or whether it is neutral (N) in your prospects= eyes.
Look first in these areas:
Evaluate your qualifications: Where did you graduate from law school? How long have you practiced law? To which courts are you admitted to practice? Which, if any, certifications have you received? List your professional memberships in bar associations, bar sections, lawyers' groups, and the like.
Evaluate your experience: Overall, how wide or narrow is the area of law in which you practice? What types of cases or problems do you handle? Specifically, what types of cases or problems are you most experienced at handling? Do you have experience in one particular area at which you could be considered an expert? If so, in which area? What specialized skills do you have? Are there any types of cases in your area of the law where you don't have much experience?
Evaluate how you serve clients: What specific services do you provide? How long do clients wait for their case to be resolved? How long does it take you to return phone calls? If a prospect or client needs to see you right away, how soon can he meet with you? How much do clients typically pay for services? How pleased are clients with the results?
Evaluate the physical environment in which you serve clients: Is your office location convenient for your clients? Can your clients easily find a parking space? Covered or uncovered? Do your clients have to pay to park? Is your complex physically attractive and inviting? Is your office easy to find and easy to walk to in your complex? Is your office reception area attractive and inviting? Is the furniture comfortable? Are your magazines current? (Recently, I picked up a magazine in a doctor's reception room that was 11 years old.) Does someone greet your guests and offer them something to drink when they enter your reception area?
Evaluate your office or the room where you meet with clients: Is the furniture comfortable? Is the room neat and orderly? Are the floor and windows clean? Do you sit with clients on the same side of your desk? Do you sit across the desk from clients, allowing the desk to form a barrier between you and your guests? If you use education-based marketing, your educational efforts become a significant competitive advantage.
Evaluate your office procedures when you're involved in client meetings: Do you insist on no interruptions? Do you bar phone calls except in emergencies? Do you give your guests your undivided attention? Do you allow guests enough time to discuss their problem?
One more important advantage: If you use education-based marketing, your educational efforts become a significant competitive advantage. People who request your educational materials, as well as your existing clients, receive your monthly newsletter. They receive invitations to your seminars. You invite them to call you with their legal questions. And so forth. In this way, the marketing method you choose can be a major competitive advantage that leaves other firms in your dust.
If you think of anything else that distinguishes you from other lawyers, add it to this list.
Your competitive advantages benefit you only if you make them known to your prospects. So start by memorizing the many ways you're different. When you talk with prospective clients, explain your competitive advantages as part of your conversation. Likewise, in your written materials, feature your competitive advantages because those are the reasons prospects hire you.
About The Author
TREY RYDER LLC Education-Based Marketing for Lawyers. Lawyer Marketing Advisor http://www.TreyRyder.com Trey Ryder is the Lawyer Marketing Department Sponsor For Jersey Justice. http://www.JerseyJustice.com
Are you the same as all other lawyers? Of course not. But do your prospects and clients know how you're different?
Everything you do to attract new clients and maintain current client relationships should clearly state how you differ from other lawyers.
One of the most important functions of marketing is to emphasize the ways you differ from your competitors. Yet if you interviewed your prospects and clients, they might tell you one lawyer is the same as another.
Everything you do to attract new clients and maintain current client relationships should clearly state how you differ from other lawyers.
Some time back, I heard the marketing director at a large law firm say that her lawyers weren't any different from lawyers at dozens of large firms. If she truly believes that, the firm needs a new marketing director because she just surrendered in the face of her competitors.
No two competing attorneys are exactly the same. No other attorney on the planet has exactly the same education as you. No other lawyer has served the same clients -- or handled the same cases -- as you. No other lawyer has taken the same continuing education classes as you. As a result, no other lawyer will make decisions exactly the way you do.
Whether this makes you liberal or conservative, aggressive or passive, here's the point: Every bit of information and experience that you absorb affects how you provide advice and services to your clients. Your advice and services are not like those provided by any other lawyer. You should promote your uniqueness as one of your major competitive advantages.
Competitive advantages and disadvantages are determined ONLY by what is important to your prospects and clients. If you've been in practice 20 years, you could conclude that your tenure is a considerable competitive advantage. But if your prospects don't care whether their lawyer has practiced for 20 years or 5 years, it's no advantage at all, at least not to that group of prospects.
Here's your assignment: The positive ways you differ from other lawyers are your competitive advantages. The negative ways you differ are your competitive disadvantages. Identify both so you know your strengths and weaknesses.
Look at the following lists from your prospective clients' point of view. Write down your answers to each question and then label whether you think the answer is an advantage (A), a disadvantage (D), or whether it is neutral (N) in your prospects= eyes.
Look first in these areas:
Evaluate your qualifications: Where did you graduate from law school? How long have you practiced law? To which courts are you admitted to practice? Which, if any, certifications have you received? List your professional memberships in bar associations, bar sections, lawyers' groups, and the like.
Evaluate your experience: Overall, how wide or narrow is the area of law in which you practice? What types of cases or problems do you handle? Specifically, what types of cases or problems are you most experienced at handling? Do you have experience in one particular area at which you could be considered an expert? If so, in which area? What specialized skills do you have? Are there any types of cases in your area of the law where you don't have much experience?
Evaluate how you serve clients: What specific services do you provide? How long do clients wait for their case to be resolved? How long does it take you to return phone calls? If a prospect or client needs to see you right away, how soon can he meet with you? How much do clients typically pay for services? How pleased are clients with the results?
Evaluate the physical environment in which you serve clients: Is your office location convenient for your clients? Can your clients easily find a parking space? Covered or uncovered? Do your clients have to pay to park? Is your complex physically attractive and inviting? Is your office easy to find and easy to walk to in your complex? Is your office reception area attractive and inviting? Is the furniture comfortable? Are your magazines current? (Recently, I picked up a magazine in a doctor's reception room that was 11 years old.) Does someone greet your guests and offer them something to drink when they enter your reception area?
Evaluate your office or the room where you meet with clients: Is the furniture comfortable? Is the room neat and orderly? Are the floor and windows clean? Do you sit with clients on the same side of your desk? Do you sit across the desk from clients, allowing the desk to form a barrier between you and your guests? If you use education-based marketing, your educational efforts become a significant competitive advantage.
Evaluate your office procedures when you're involved in client meetings: Do you insist on no interruptions? Do you bar phone calls except in emergencies? Do you give your guests your undivided attention? Do you allow guests enough time to discuss their problem?
One more important advantage: If you use education-based marketing, your educational efforts become a significant competitive advantage. People who request your educational materials, as well as your existing clients, receive your monthly newsletter. They receive invitations to your seminars. You invite them to call you with their legal questions. And so forth. In this way, the marketing method you choose can be a major competitive advantage that leaves other firms in your dust.
If you think of anything else that distinguishes you from other lawyers, add it to this list.
Your competitive advantages benefit you only if you make them known to your prospects. So start by memorizing the many ways you're different. When you talk with prospective clients, explain your competitive advantages as part of your conversation. Likewise, in your written materials, feature your competitive advantages because those are the reasons prospects hire you.
About The Author
TREY RYDER LLC Education-Based Marketing for Lawyers. Lawyer Marketing Advisor http://www.TreyRyder.com Trey Ryder is the Lawyer Marketing Department Sponsor For Jersey Justice. http://www.JerseyJustice.com
Risperdal Side Effects & Risperdal Lawsuits
by: T.Going
Risperdal (generically known as risperdone) is an antipsychotic drug that is used to treat delusional psychoses. Dopamine is a key neurotransmitter that the brain uses which allows a person to experience pleasure and desire. Risperdal acts to reduce the amount of dopamine the brain produces so that a natural balance of chemicals in the brain. This can reduce or eliminate many psychotic episodes that people experience.
Unfortunately the use of Risperdal is known to cause several harmful side effects for its users. Dangerous side effects of Risperdal are similar to those of many other antipsychotic medications. Potential fatal side effects include tardive, dyskinesia, extraphyramidal disorders and serious neuroleptic malignant disorders. Non-fatal, short term side effects of Risperdal nausea, anxiety, dizziness, insomnia, low blood pressure, muscle stiffness, fatigue and weight gain.
There are also very serious risks of Risperdal being taken in pregnant women. If you become pregnant while taking the drug, it is strongly advised that you consult your physician immediately. In certain studies it was shown that rat pups with Risperdal in their systems had a higher rate of fatalities than the others. If these studies are duplicated in humans it could mean that children with Risperdal in their systems could face a higher death rate.
If you or someone you know has been affected by Risperdal side effects, it is important that you contact a qualified Risperdal lawyer today. Filing a lawsuit can be a very powerful way to take a stand against the pharmaceutical companies and secure financial compensation for your ongoing struggles.
To learn more about Risperdal Side Effects and Filing a Risperdal Lawsuit, please visit http://www.resource4risperdalinfo.com This article may be freely reprinted as long as this resource box is included and all links stay intact as hyperlinks.
About The Author
T.Going
To learn more about Risperdal Side Effects and Filing a Risperdal Lawsuit, please visit http://www.resource4risperdalinfo.com This article may be freely reprinted as long as this resource box is included and all links stay intact as hyperlinks.
Risperdal (generically known as risperdone) is an antipsychotic drug that is used to treat delusional psychoses. Dopamine is a key neurotransmitter that the brain uses which allows a person to experience pleasure and desire. Risperdal acts to reduce the amount of dopamine the brain produces so that a natural balance of chemicals in the brain. This can reduce or eliminate many psychotic episodes that people experience.
Unfortunately the use of Risperdal is known to cause several harmful side effects for its users. Dangerous side effects of Risperdal are similar to those of many other antipsychotic medications. Potential fatal side effects include tardive, dyskinesia, extraphyramidal disorders and serious neuroleptic malignant disorders. Non-fatal, short term side effects of Risperdal nausea, anxiety, dizziness, insomnia, low blood pressure, muscle stiffness, fatigue and weight gain.
There are also very serious risks of Risperdal being taken in pregnant women. If you become pregnant while taking the drug, it is strongly advised that you consult your physician immediately. In certain studies it was shown that rat pups with Risperdal in their systems had a higher rate of fatalities than the others. If these studies are duplicated in humans it could mean that children with Risperdal in their systems could face a higher death rate.
If you or someone you know has been affected by Risperdal side effects, it is important that you contact a qualified Risperdal lawyer today. Filing a lawsuit can be a very powerful way to take a stand against the pharmaceutical companies and secure financial compensation for your ongoing struggles.
To learn more about Risperdal Side Effects and Filing a Risperdal Lawsuit, please visit http://www.resource4risperdalinfo.com This article may be freely reprinted as long as this resource box is included and all links stay intact as hyperlinks.
About The Author
T.Going
To learn more about Risperdal Side Effects and Filing a Risperdal Lawsuit, please visit http://www.resource4risperdalinfo.com This article may be freely reprinted as long as this resource box is included and all links stay intact as hyperlinks.
Long Term Care Insurance Online
by: William H. Pritchett
When a good friend of mine inquired where he could obtain information about medical insurance for his out-of-state, elderly mother, I told him to try the Internet.
He reported back to me about a week later, in desperation: "I am giving up, I am too confused." He had taken on an overwhelming project with his widowed mother, living in another state. As the only child, and following the sudden death of his father, it was his responsibility to care for his mother.
In this world of technology, the family unit is often living in different geographical areas and the family members are usually quite involved with their own lives, careers, and families. In addition, when both parents are alive, often one or both parents are quite independent and do not require a lot of assistance. As time goes on things, of course, change, and sometimes change very suddenly. There can be a crisis, with regard to the health care needs of one or both aging parents.
With our baby boomers facing this problem in ever increasing numbers, and with the information highway in full bloom, there is a definite need for planning. Protecting your parent's assets and health is a huge and daunting undertaking, which requires a tremendous amount of education and practical application. Our seniors face many diverse responsibilities upon reaching age 65. To name just a few: Estate planning, taxation, Medicare, social security, wills, insurance, and various other legal and financial matters. All of these different areas require expertise from accountants, lawyers, estate planners, insurance agents, home brokers, financial advisors, and others.
The Internet is a good starting point for most people to find resources for questions and solutions for your problems. There is, however, no replacement for good solid intelligent advice from an expert. Twenty years ago, insurance for elders was sold by "senior insurance specialists," with just a handful of companies in each state. The programs were most often Medigap or Medicare supplemental policies, which covered the expenses not covered by Medicare, including hospital and doctor deductibles, durable medical devices, and non-approved Medicare costs. Ironically these specialists did not sell a lot of nursing care policies, even though Medicare paid a national average of less than 2% of these expenses. With the advent of "financial and estate planning" and more insurance companies entering this market, a more broad and diversified product line became available to agents, brokers, planners, and seniors. Part of this new diversification was the "home health care plan," sold by itself, and in conjunction with senior health insurance products. The appeal of the "home health care policy" was that a senior could stay at home and still receive medical and custodial benefits, allowing a person to recuperate in the comfort of their own home. This was the answer to a huge problem. The last place an older person wanted to go was a "retirement home," or "rest home," or, God forbid, the "nursing home." It appeared that seniors could now rely on this new innovation without worry of having to move out of their home environment in the event of a health problem. As with most things," if it is too good to be true." ... The home health care policy is no exception. The problem is, there is not enough coverage for a lengthy illness or recuperation time. The fact is, the new trend is toward an "all in one" type facility, allowing for a variety of levels of care all in one location. In other words a senior could start off with little or no health care concerns in an independent, less expensive area, and then go to an assisted living, or nursing care facility, all within the same compound. A "nursing home" requires a nurse on the premises 24 hours per day, assisted living is just eight hours. The advantages to this are financial. The patient or senior is only charged according to the care level required during the time he or she is admitted to that facility. Another benefit is it alleviates a lot of planning because the care is delivered, as it is needed. The medical attention is available to all residents regardless of their current health. Some people are offered a lifetime package , which covers their care for the rest of their life, regardless of their current age. It also allows for social outlets to an otherwise somewhat isolated group. On-line shopping services have become a huge business. It is definitely here to stay and many insurance policies are purchased from Internet quotes and on-line applications. There are literally hundreds of thousands of insurance agents and brokers advertising on the Internet. Most of them will provide instant on-line quotes and even applications for the potential insured. I highly discourage a layperson to purchase insurance in this fashion. A little knowledge can be dangerous. The federal government has mandated to all states through legislation, the standardized senior health insurance policy guidelines, which are governed and regulated by each state insurance department. There are plans for almost every level of health. Some are designed and priced for a less than healthy individual. Others are for a person with minimal health concerns. The whole concept of insurance is to provide protection for "unanticipated" sickness or injury, especially catastrophic expenses, which would devastate a person's net worth. The more small expenses a person is willing or able to pay (self-insure), the lower the rate. I recommend this strategy when evaluating your insurance options. Another consideration when reviewing various insurance plans is to look at the company itself. How long has the company been selling this type of insurance? Do they have a lot of complaints filed with the local department of insurance? Are the rates stable? Does it pay claims on time? Service? Most agents talk about the rating. These ratings are as follows: A+, A, A? B+, B, B? C+, C, C? or "not rated." Do not be fooled by rating alone. It is good to have a high rating, but it is far better to have a company that has longevity, stability, innovation, service, and expertise. The problem is that some companies enter into a market and quickly leave without explanation. This does not give security to the policyholder. The most important consideration should be a review of the profit/loss ratio for that product. This will establish stability, and longevity in the market. An insurance company with a moderate profit in a particular line of business will remain in that market. On the other hand, a company with losses will make changes and possibly even withdraw. This is information not normally available to Internet users. Before entering into an insurance contract , the senior person, the family, and other advisors must be realistic, and a careful evaluation of the entire picture must be examined. The age, the health of the senior, the financial resources, the personality and attitude of the senior, and most importantly the desires of the senior, should all be considered. Early planning is important, as qualification becomes increasingly more difficult as the applicant's health declines. The senior health care market is complex. I will offer some words of advice to attempt to alleviate potential pitfalls. *C hoose a well-informed, seasoned, and service oriented agent or broker to assist your decision making process. The professional can offer invaluable information, but do not be afraid to ask a lot of questions and even get a second opinion. *Do not wait until your parent or loved one is sick, or injured. Plan ahead and take the time needed to cover all the options. *C hoose an experienced insurance company. A Company that has been in the marketplace for a significant time and has maintained a balance of rates and benefits and sound risk selection with moderate rate increases over time is your best bet. *T he plan should be flexible, with a broad range of options and benefit selections to the insured. There should be no tricks, or complicated language for the coverage. An incredibly low rate is a red flag for trouble in the future. *Do not rush or be rushed by an over aggressive sales person. This policy will not be inexpensive and will need to be read and reviewed for a clear understanding of the contents. This is one advantage to the Internet. You are allowed to read indefinitely before you act.
A long-term care program, with or without insurance coverage, will only work if the senior has input into the care selection process. If there are any questions about the accreditation of a facility please call the "Continuing Care Accreditation Commission at 202-783-7286.
http://www.empirehealthstore.com
By William H. Pritchett Willprt@cs.com
About The Author
In 1984, William Pritchett, Jr. developed the first Home Health Care plan of its kind, which revolutionized the insurance industry in this market.
The program was developed to allow seniors to recuperate in the comfort of their own ho.me as an alternative to assisted living facilities. This idea has grown into an entire industry. William Pritchett quickly became the leader in this cutting edge senior care product
When a good friend of mine inquired where he could obtain information about medical insurance for his out-of-state, elderly mother, I told him to try the Internet.
He reported back to me about a week later, in desperation: "I am giving up, I am too confused." He had taken on an overwhelming project with his widowed mother, living in another state. As the only child, and following the sudden death of his father, it was his responsibility to care for his mother.
In this world of technology, the family unit is often living in different geographical areas and the family members are usually quite involved with their own lives, careers, and families. In addition, when both parents are alive, often one or both parents are quite independent and do not require a lot of assistance. As time goes on things, of course, change, and sometimes change very suddenly. There can be a crisis, with regard to the health care needs of one or both aging parents.
With our baby boomers facing this problem in ever increasing numbers, and with the information highway in full bloom, there is a definite need for planning. Protecting your parent's assets and health is a huge and daunting undertaking, which requires a tremendous amount of education and practical application. Our seniors face many diverse responsibilities upon reaching age 65. To name just a few: Estate planning, taxation, Medicare, social security, wills, insurance, and various other legal and financial matters. All of these different areas require expertise from accountants, lawyers, estate planners, insurance agents, home brokers, financial advisors, and others.
The Internet is a good starting point for most people to find resources for questions and solutions for your problems. There is, however, no replacement for good solid intelligent advice from an expert. Twenty years ago, insurance for elders was sold by "senior insurance specialists," with just a handful of companies in each state. The programs were most often Medigap or Medicare supplemental policies, which covered the expenses not covered by Medicare, including hospital and doctor deductibles, durable medical devices, and non-approved Medicare costs. Ironically these specialists did not sell a lot of nursing care policies, even though Medicare paid a national average of less than 2% of these expenses. With the advent of "financial and estate planning" and more insurance companies entering this market, a more broad and diversified product line became available to agents, brokers, planners, and seniors. Part of this new diversification was the "home health care plan," sold by itself, and in conjunction with senior health insurance products. The appeal of the "home health care policy" was that a senior could stay at home and still receive medical and custodial benefits, allowing a person to recuperate in the comfort of their own home. This was the answer to a huge problem. The last place an older person wanted to go was a "retirement home," or "rest home," or, God forbid, the "nursing home." It appeared that seniors could now rely on this new innovation without worry of having to move out of their home environment in the event of a health problem. As with most things," if it is too good to be true." ... The home health care policy is no exception. The problem is, there is not enough coverage for a lengthy illness or recuperation time. The fact is, the new trend is toward an "all in one" type facility, allowing for a variety of levels of care all in one location. In other words a senior could start off with little or no health care concerns in an independent, less expensive area, and then go to an assisted living, or nursing care facility, all within the same compound. A "nursing home" requires a nurse on the premises 24 hours per day, assisted living is just eight hours. The advantages to this are financial. The patient or senior is only charged according to the care level required during the time he or she is admitted to that facility. Another benefit is it alleviates a lot of planning because the care is delivered, as it is needed. The medical attention is available to all residents regardless of their current health. Some people are offered a lifetime package , which covers their care for the rest of their life, regardless of their current age. It also allows for social outlets to an otherwise somewhat isolated group. On-line shopping services have become a huge business. It is definitely here to stay and many insurance policies are purchased from Internet quotes and on-line applications. There are literally hundreds of thousands of insurance agents and brokers advertising on the Internet. Most of them will provide instant on-line quotes and even applications for the potential insured. I highly discourage a layperson to purchase insurance in this fashion. A little knowledge can be dangerous. The federal government has mandated to all states through legislation, the standardized senior health insurance policy guidelines, which are governed and regulated by each state insurance department. There are plans for almost every level of health. Some are designed and priced for a less than healthy individual. Others are for a person with minimal health concerns. The whole concept of insurance is to provide protection for "unanticipated" sickness or injury, especially catastrophic expenses, which would devastate a person's net worth. The more small expenses a person is willing or able to pay (self-insure), the lower the rate. I recommend this strategy when evaluating your insurance options. Another consideration when reviewing various insurance plans is to look at the company itself. How long has the company been selling this type of insurance? Do they have a lot of complaints filed with the local department of insurance? Are the rates stable? Does it pay claims on time? Service? Most agents talk about the rating. These ratings are as follows: A+, A, A? B+, B, B? C+, C, C? or "not rated." Do not be fooled by rating alone. It is good to have a high rating, but it is far better to have a company that has longevity, stability, innovation, service, and expertise. The problem is that some companies enter into a market and quickly leave without explanation. This does not give security to the policyholder. The most important consideration should be a review of the profit/loss ratio for that product. This will establish stability, and longevity in the market. An insurance company with a moderate profit in a particular line of business will remain in that market. On the other hand, a company with losses will make changes and possibly even withdraw. This is information not normally available to Internet users. Before entering into an insurance contract , the senior person, the family, and other advisors must be realistic, and a careful evaluation of the entire picture must be examined. The age, the health of the senior, the financial resources, the personality and attitude of the senior, and most importantly the desires of the senior, should all be considered. Early planning is important, as qualification becomes increasingly more difficult as the applicant's health declines. The senior health care market is complex. I will offer some words of advice to attempt to alleviate potential pitfalls. *C hoose a well-informed, seasoned, and service oriented agent or broker to assist your decision making process. The professional can offer invaluable information, but do not be afraid to ask a lot of questions and even get a second opinion. *Do not wait until your parent or loved one is sick, or injured. Plan ahead and take the time needed to cover all the options. *C hoose an experienced insurance company. A Company that has been in the marketplace for a significant time and has maintained a balance of rates and benefits and sound risk selection with moderate rate increases over time is your best bet. *T he plan should be flexible, with a broad range of options and benefit selections to the insured. There should be no tricks, or complicated language for the coverage. An incredibly low rate is a red flag for trouble in the future. *Do not rush or be rushed by an over aggressive sales person. This policy will not be inexpensive and will need to be read and reviewed for a clear understanding of the contents. This is one advantage to the Internet. You are allowed to read indefinitely before you act.
A long-term care program, with or without insurance coverage, will only work if the senior has input into the care selection process. If there are any questions about the accreditation of a facility please call the "Continuing Care Accreditation Commission at 202-783-7286.
http://www.empirehealthstore.com
By William H. Pritchett Willprt@cs.com
About The Author
In 1984, William Pritchett, Jr. developed the first Home Health Care plan of its kind, which revolutionized the insurance industry in this market.
The program was developed to allow seniors to recuperate in the comfort of their own ho.me as an alternative to assisted living facilities. This idea has grown into an entire industry. William Pritchett quickly became the leader in this cutting edge senior care product
If You Are The Victim Of A Dog Bite Or Any Other Animal Attack In New Jersey, You Need To Know Your Rights
by: Tony Merlino
Dog Bites /Animal Attack - Overview
In New Jersey there are thousands of people bitten by animals every single year. Dogs are responsible for most attacks that result in injury. In nearly all cases, in New Jersey, a person bitten by an animal has a legal right to recover damages.
Usually it is from the animal's owner, however there are others that may be found equally accountable.
What To Do If You Have Been Bitten
Seek medical attention immediately. Dog bites can cause serious injury, especially if the skin has been broken. An untreated animal bite can quickly cause severe infection if the animal was carrying disease.
I'm assuming you have already received medical attention. If not, do it now. Then, it would be wise to think about consulting with an attorney to discover the best course of action.
At this point you will need to determine two things.
1. Do you have a legal claim?
And
2. What damages are you able to recover as a result of your injury?
Your Case Evaluation
To determine whether you have a claim, our New Jersey dog bite lawyers consider whether the animal's owner was negligent and indirectly caused your injury.
How Much Compensation Can You Expect?
The circumstances surrounding the attack are obviously different in every case. It is therefore important to accurately determine who is responsible for an animal bite.
This is why it is essential for you to speak with a lawyer in order to determine the severity of the attack. The amount of compensation you receive will be determined largely by which parties are responsible and the resources available to cover your damages.
You may be entitled to compensation for a variety of different reasons. For instance:
Medical Bills · Pain and Suffering · Lost Wages · Mental Anguish · Emotional Distress · Psychological Injuries · Disfigurement and many more!
There have been cases where the victim is awarded punitive damages in order to actually punish an animal owner for reckless or intentional behavior.
For instance, a case where the owner is fully aware of an aggressive animals behavior and recklessly allows the animal run loose demonstrating total disregard for the welfare of others.
Should This Case Be Pursued? and Is It Worth The Time And Effort?
Let's face it. Lawsuits are expensive, time consuming and require a tremendous amount of effort. Unlike other forms of personal injury cases in New Jersey, animal bites are fairly straightforward.
New Jersey is a " Strict Liability State." What does this mean to you if you are a victim?
It means the owner "shall be liable."
That is a direct quote from the New Jersey State Statute 4:19-16.and leaves little room for interpretation.
Notice the statute did not say, "could be", "might be" or "should be." It is emphatic. It says, "SHALL BE LIABLE."
It is even unnecessary to prove the owner negligent. If the dog bites in New Jersey, the owner is flat out liable.
How much compensation you receive is largely dependant upon the severity of the injury and even more importantly how articulately your attorney approaches and presents the case.
There are however a few circumstances where the owner of the animal is not liable. For instance, if the dog was intentionally provoked, taunted or teased causing an attack or bite.
Another possible reason an owner will not be found culpable is that the incident occurred while the victim was trespassing on a properly posted property.
In the "perfect world" any amount of injury caused by an animal deserves to be addressed. However, in the "real world" you and your attorney must decide if the claim will actually result in a favorable outcome.
At the end of the day, does it have sufficient value? Is it worth suing a family member, friend or neighbor, considering the social ramifications?
This is a question that can only be answered by careful evaluation and is one of the first things you should consider and discuss with your attorney.
Be sure your attorney is expert at uncovering possible sources of compensation for animal attacks that you may never have considered.
About The Author
Tony Merlino is webmaster and legal marketing consultant at http://www.JerseyJustice.com, a legal information and marketing portal for clients and their lawyers in New Jersey.
Dog Bites /Animal Attack - Overview
In New Jersey there are thousands of people bitten by animals every single year. Dogs are responsible for most attacks that result in injury. In nearly all cases, in New Jersey, a person bitten by an animal has a legal right to recover damages.
Usually it is from the animal's owner, however there are others that may be found equally accountable.
What To Do If You Have Been Bitten
Seek medical attention immediately. Dog bites can cause serious injury, especially if the skin has been broken. An untreated animal bite can quickly cause severe infection if the animal was carrying disease.
I'm assuming you have already received medical attention. If not, do it now. Then, it would be wise to think about consulting with an attorney to discover the best course of action.
At this point you will need to determine two things.
1. Do you have a legal claim?
And
2. What damages are you able to recover as a result of your injury?
Your Case Evaluation
To determine whether you have a claim, our New Jersey dog bite lawyers consider whether the animal's owner was negligent and indirectly caused your injury.
How Much Compensation Can You Expect?
The circumstances surrounding the attack are obviously different in every case. It is therefore important to accurately determine who is responsible for an animal bite.
This is why it is essential for you to speak with a lawyer in order to determine the severity of the attack. The amount of compensation you receive will be determined largely by which parties are responsible and the resources available to cover your damages.
You may be entitled to compensation for a variety of different reasons. For instance:
Medical Bills · Pain and Suffering · Lost Wages · Mental Anguish · Emotional Distress · Psychological Injuries · Disfigurement and many more!
There have been cases where the victim is awarded punitive damages in order to actually punish an animal owner for reckless or intentional behavior.
For instance, a case where the owner is fully aware of an aggressive animals behavior and recklessly allows the animal run loose demonstrating total disregard for the welfare of others.
Should This Case Be Pursued? and Is It Worth The Time And Effort?
Let's face it. Lawsuits are expensive, time consuming and require a tremendous amount of effort. Unlike other forms of personal injury cases in New Jersey, animal bites are fairly straightforward.
New Jersey is a " Strict Liability State." What does this mean to you if you are a victim?
It means the owner "shall be liable."
That is a direct quote from the New Jersey State Statute 4:19-16.and leaves little room for interpretation.
Notice the statute did not say, "could be", "might be" or "should be." It is emphatic. It says, "SHALL BE LIABLE."
It is even unnecessary to prove the owner negligent. If the dog bites in New Jersey, the owner is flat out liable.
How much compensation you receive is largely dependant upon the severity of the injury and even more importantly how articulately your attorney approaches and presents the case.
There are however a few circumstances where the owner of the animal is not liable. For instance, if the dog was intentionally provoked, taunted or teased causing an attack or bite.
Another possible reason an owner will not be found culpable is that the incident occurred while the victim was trespassing on a properly posted property.
In the "perfect world" any amount of injury caused by an animal deserves to be addressed. However, in the "real world" you and your attorney must decide if the claim will actually result in a favorable outcome.
At the end of the day, does it have sufficient value? Is it worth suing a family member, friend or neighbor, considering the social ramifications?
This is a question that can only be answered by careful evaluation and is one of the first things you should consider and discuss with your attorney.
Be sure your attorney is expert at uncovering possible sources of compensation for animal attacks that you may never have considered.
About The Author
Tony Merlino is webmaster and legal marketing consultant at http://www.JerseyJustice.com, a legal information and marketing portal for clients and their lawyers in New Jersey.
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