Others want to restrict the role of juries
Proponents of this legislation want to limit the rights of those who are unfairly harmed by preventing juries made up of people like you from hearing injury cases. If passed, the legislation will preempt state law and establish many restrictions - including a $250,000 one-size-fits-all cap on non-economic damages for the most serious life-altering injuries - in health care-related liability actions. As a result, many legitimate cases will never get to court to receive fair hearings by jurors.
Protect Everyone’s Rights
One Jury’s Verdict
In 2002, a Texas jury awarded significant damages to a diabetic who became ill after using Rezulin ®. Jurors believed Rezulin’s manufacturer was guilty of near-criminal conduct in that corporate executives knew of the medication’s risk, marketed the product, and concealed documents from the FDA regarding liver failures. In addition, jurors found that marketers used fluffy and highly technical product-insert language to disguise the realities of the drug’s problems. Rezulin is no longer on the market.
No one really knows how many patients receive incorrectly dispensed prescriptions annually. However, what is known is that:
The health-care industry has embarked on improving medication
appointing pharmacists to hospital treatment teams and using
computerization to verify prescriptions, doses, and timing.
A Misfiled Prescription
Verify medication correctness with every refill. A diabetic woman who had taken a blood pressure-reducing medication for years was mistakenly given tablets with twice the dosage that the pharmacy’s label indicated. After taking the increased dosage for several weeks, she suffered severe reactions and required hospitalization. Although her daughter discovered the medication error and the patient resumed normal dosages, she suffered a fatal heart attack. Her son and daughter sued on behalf of her estate, alleging the pharmacy was negligent and caused wrongful death by misfiling a prescription. Upon retrial, a jury awarded damages.
Several key laws, including Title VII of the Civil Rights Act of 1964 and an amendment, the Pregnancy Discrimination Act, require employers who have 15 or more workers to treat pregnant women the same as other applicants or employees affected with similar abilities or limitations.
Q: Can an employer refuse to hire a pregnant woman?
A: No. As long as she can perform her job’s tasks, an employer cannot refuse to hire a woman because of her pregnancy or pregnancy-related condition.
Q: What if a woman is temporarily unable to do her work because of pregnancy?
A: The employer must treat her as it would any other temporarily disabled employee by adjusting job tasks, reassigning other available work tasks, or granting disability leave or leave without pay.
Q: Must an employer grant maternity leave?
A: Yes. Employees have the right to ask for voluntary leave for pregnancy, childbirth, and parenting under a company’s short-term disability plan or the Family and Medical Leave Act.
Q: How does pregnancy and maternity leave affect other employee benefits?
A: Employers must treat employees who have pregnancy-related disabilities identically to other temporarily disabled employees for salary increases, accrued vacation, seniority, and other benefits.
Q: How long does an employer have to hold a job for a woman on pregnancy leave?
A: The same length of time as it holds jobs open for other employees on sick or disability leave.
Oral vs. Written Contracts
For many people, their word is their bond in business transactions or personal deals. So a lot of buying, selling, and bartering is accomplished through oral contracts, which are earnest and mutual promises to do things.
Usually, these kinds of contracts are pledges to provide products or services for money. They are legally enforceable in court if either party, such as a business and a customer, cannot agree that the terms or conditions of the contract were met.
Oral contracts are subject to many misunderstandings. Language confusion is one. “I’ll have it ready for you Friday” may mean “this Friday” or “a week from this Friday.” Hearing problems can also mix up results. “Part 6D” can be heard as “Part 60.” Physicians’ poor handwriting has always put them, and pharmacists, at risk for prescription errors.
It’s almost always best for anyone involved in a person or commercial arrangement to document all oral contracts with simple memos or e-emails. That gives everyone a record of the offer to do something, when it should be done, the acceptance agreement, and the consideration – the money or other value- to be exchanged in the transaction.
Problems with oral contracts should be discussed with an attorney.
Any consumer who wants to obtain a credit card, secure a loan such as a mortgage, or conduct most kinds of business needs to have an acceptable credit rating.
Three major agencies – Equifax, Experian, and Trans Union – compile individual consumer credit data and provide almost all of the credit-reporting services used by businesses, lenders, and anyone else investigating a person’s credit quality.
Most credit reports issued by these companies have four parts:
Identifying information, such as name, address, Social Security number, date of birth, and other basics consumers provide when they apply for credit.
Credit information on accounts, including creditor names, dates accounts were opened, credit limits, debt, payment patterns, and other data from companies consumers do business with.
Public record details feature bankruptcy and court records, financial judgments, tax liens, and other information from public sources.
Inquiries identify anyone who has asked for a consumer’s credit report.
When Agencies Err
After information appears in a credit report, it can be difficult to change – even if it’s incorrect. A study of more than 100 credit reports found that nearly a third contained serious errors that could have jeopardized getting a car loan, mortgage, or employment.
Litigation has increased over the past several years, and a fairly recent case shows how consumers can fight for their rights. An Oregon woman continually asked Trans Union to remove inaccuracies from her credit report for six years. She sued the agency after she was unfairly denied a mortgage. Her attorney won her the largest-ever award under the Fair Credit Reporting Act; her award included compensatory and punitive damages.
Anyone facing serious credit-reporting problems should obtain legal counsel.
Protect Your Family
Here are some basic and enhanced auto insurance coverages to talk to your auto insurance agent about.
Uninsured motorist coverage protects you when another driver at fault in an automobile collision has no insurance at all. It covers lost wages, medical costs, and other expenses associated with serious injuries.
Underinsured motorist coverage safeguards you if you are injured by a careless driver who has only minimal insurance. Since uninsured motorist coverage doesn’t apply, the other driver’s minimal liability policy may not cover injuries you suffer. Your own policy may not cover injuries either.
Coverage “stacking” can help if your household insures more than one car. Stacking increases uninsured/underinsured motorist limits based on the number of autos covered. If you purchase $100,000/$200,000 coverage and insure two cars, stacked limits equal $200,000/$200,000.
Add a wage-loss benefit. If your insurance company doesn’t provide a wage-loss benefit, request it. Although many carriers cap benefits at 80 percent, some insurance carriers offer additional wage-loss expense enhancements.
Increase medical expense to obtain additional coverage for larger medical bills in case of serious injury. Many policies place a limit of $10,000 for medical expenses, but that may not be adequate. Health-insurance coverages have large deductibles for serious injury, and auto insurance medical coverage may pay for chiropractic or other specialized medical treatment excluded by health insurance.
Purchase more bodily injury insurance. The customary $20,000 minimum coverage may not protect you if you are sued for causing a collision in which someone else is seriously injured. Bodily injury coverage can protect your home, cars, and other assets.
Many drivers face the hazard of being struck by debris from other vehicles. Many cars are hit by sheets of icy, packed snow gone airborne from the roofs of minivans or trucks. Car windshields shatter from the impact of large stones, scrap wood, or even wallboard fragments flying from uncovered commercial trucks.
For most drivers, an insurance policy’s comprehensive coverage pays for repairing or replacing a windshield, less deductibles. Improperly repaired or replaced windshields pose a serious danger to drivers and passengers in future accidents. Safety experts recommend repairing small cracks or chips to original equipment standards and replacing windshields damaged beyond repair to factory standards.
A driver was killed by an unsecured 35-ound steel plate that flew off a flatbed semi-trailer truck. His widow sued the driver and his employer for negligence leading to wrongful death. The court awarded full damages when her lawyer demonstrated that the driver had not secured the plate, and that his employer negligently hired, supervised, and retained the driver, who had a precious conviction for negligent vehicular death.
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