Questions and Answers on Workers’ Compensation and What to Do If Injured

Questions and Answers on Workers’ Compensation and What to Do If Injured

It might surprise many to find that workers’ compensation has a long history. As far back as 2050 B.C., in the city-state of Ur, the law at the time was to provide compensation for injury received while working. Typically, this would be for the loss of a body part. Ancient Chinese, Arab, and Greek law all had versions of this system, with compensation schemes to accompany each body part lost.

Fast-forward thousands of years later, and workers’ comp is alive and well.Here are some frequently asked questions about workers’ compensation in the US and what you should know if you get injured.

Questions and Answers on Workers’ Compensation and What to Do If Injured

Q: Do all employers provide workers’ compensation?

A: Most states have laws that require every employer to purchase workers’ compensation insurance. Some states, such as Alabama and Wisconsin, allow for voluntary coverage. To find out whether it is mandatory in your state for employers to have workers’ comp insurance, go to this page on the US Department of Labor’s website. Most employers will have workers’ comp insurance as a protection against prosecution and threat of being sued. So there’s a good chance your employer has it.

In the US, employers that take part in the system are often protected from liability for injuries covered under workers’ comp. Although an employee can sue a third party that may be liable for their injury. Or they can sue an employer directly if the employee feels that the employer’s deliberate negligence caused the injury.

Q: What kind of injuries are eligible for workers’ comp?

A: The general answer to this question is that workers’ comp was designed to provide compensation for injuries sustained while on the job. Common workers’ comp injuries include the following:

  • Sprains and strains
  • Hearing loss
  • Slips or falls
  • Overexertion
  • Being struck by a falling object
  • Traffic accident injury
  • Machinery accident injury
  • Repetitive motion injury

There are exceptions, however. For example, injuries sustained while on your lunch break are not covered. Neither is travel to and from your work site. However, if your work dictates that you travel, such as a sales call, and you sustain an injury during that trip, then such an injury would be covered.

Q: What is covered by workers’ comp insurance? What kind of payout can I expect?

A: Workers’ compensation includes coverage of hospital and medical bills to treat your work injury. While the particulars may vary from state to state, the fundamentals covered are medical bills and related expenses. This may include counseling, acupuncture for pain management, wheelchairs. And/or other equipment to help you deal with your injury.
Depending on the type of injury received, you may be eligible for disability benefits. Disability benefits are meant to cover wages lost while you are unable to work due to your injury. There are four categories of disability.

  • Temporary total disability. This applies when your disability prohibits you from working at all during a temporary amount of time. For example, if your leg is broken, or a surgery is required where full functionality is expected once recovery is complete.
  • Temporary partial disability. This applies when your injury limits your work capacity but does not entirely prevent it and full recovery is expected.
  • Permanent total disability. To get permanent disability from worker’s compensation one must be entirely unable to return to your previous work. For example, if you were a train conductor, the loss of your eyesight while on the job would incapacitate you from returning to your duties.
  • Permanent partial disability. This applies when your injury partially hinders your ability to return to your former work.

Q: Should I hire a lawyer for my workers’ comp case?

A: You may be able to handle the case yourself, particularly if the injury is small, and the facts of your case are straightforward. However, not all situations are uncomplicated. And even in uncomplicated situations, tensions can arise that may make it easier for you to have your case handled by a lawyer.

Online Businesses You can Start with just 1000$

Online Businesses You can Start with just 1000$

You have an idea. You think of starting your own business. But you are under-confident about your plan. You do not have proper funding. So you kill your dream and welcome yourself back to reality and concentrate on your midterms.

If you are interested in starting your own business, then there are many ways through which you can achieve this. You need to research properly to find a small business idea that you are passionate about.

Let us provide you with some ideas which will help you start your own business.

Online Businesses You can Start with just 1000$

  • Start a Blog
    People who have a creative hand in writing, you can probably take your blogging activity to a whole new level. Blogging is a lifestyle-friendly business, work from home, write about your interests and share your creativity with the world. The first step being marketing and making your blog popular. Have attractive titles, use pictures, select a nice theme and write attention-grabbing headlines and content. These are the basics. How do you really establish your blog? Setup a WordPress on your blog. Install a Google Analytics Tracking to your site (Search Engine Optimization). Now, who doesn’t want to rank higher and come up on the first page of the Google search page? You can even monetize your site through affiliate marketing, i.e., by advertisements of affiliate products on your site. The most important way to publicize your site is through these social media networking sites like Facebook, Instagram, and Pinterest.
    All the best and happy blogging!
  • Buy wholesale merchandise and resell it online
    You can buy merchandise from wholesale retailers or in bulk at large discount rates and sell them individually. Reselling these products by piece online at e-commerce sites like Flipkart, eBay and Amazon can fetch you good amounts of profits. Setting up an eBay store or Amazon page is inexpensive. They charge you a minimal fee for listing the item to be put on sale and a small percentage on the final selling price.
  • Start an eLearning Business
    The main aim is to develop courses your audience will be interested in: analyzing your audience, choosing content relevant to their age and subject, keeping a close track on the latest developments in that field, using multimedia sources like animations and videos, adding assignments and HOTs questions. You can later choose yourself a Learning Management System that delivers, manages and tracks results and generates reports for online courses that can be hosted on local servers.
  • Start a Public Relations Business
    What do public relations professionals basically do? They work with the media group to get their clients’ stories in the news, coming up with new angles to show their clients’ story in an attractive manner. The skills you need- top-notch writing skills, with a sharp, creative edge for catchy press releases and stories for the magazines and newspapers. The needed equipments include a computer system, a color printer, a scanner, a fax machine, and some media contacts to start with.

Start a Consulting Business
A consultant’s job is to provide expertise in a particular field as an advisor. You may need special licensing or certification before you start operating as a consultant and some networking to build your contacts.


Multitasking- Keeping Too Many Tabs Open Can Slow You Down

Keeping Too Many Tabs Open Can Slow You Down

Human beings are apparently programmed in such a fashion, that they can do a variety of jobs all at the same time. We often boast about how we manage to do a lot of things at the same- studying, texting, talking on the phone and even listening to music. But how beneficial is multitasking in reality?
To do a job perfectly we need to focus. When multitasking, the attention gets distributed, and we are not able to focus fully. As a result, people take longer time to complete the task and there is a high possibility of errors.

Efficiency is reduced because the brain can only focus on one thing at a time. So when you doing many things at the same time, all of the tasks may not be successfully completed.

While our body may be able to perform some low-level functions simultaneously, such as breathing and pumping blood, but high-level brain functions which involve thinking cannot be performed with the same efficiency.

What really happens when we multitask, we rapidly keep switching between tasks. Every time we switch between tasks, the brain is forced to restart and refocus, and we lose time in the process.

While we are busy thinking that biting off two or more activities at the same time is making us more productive, multitasking can temporarily change how the brain works. The prefrontal cortex, an area of the brain is responsible for tasks that require attention. It helps you to get all of your attention to focus on the task and communicates and coordinates with the brain to complete the task.  When there are two goals, the brain divides in half. Juggling more than two tasks at the same time may cause trouble because we have only two frontal lobes. Attention ability is not capable of multitasking.

So if someone tells you to listen to music while studying or talk on the phone while driving or type a letter while receiving important client calls, tell them that all the studies in the world have proved that multitasking does not suit human lifestyle.

While multitasking is not completely a myth, the practice can actually help. It is easier to perform tasks which you are used to doing on a daily level.

When life gives you a lemon, you focus on doing one thing at a time, because you can either make lemonade or throw it hard at someone.

6 Effective SEO Tips For Marketing Your Blog

Effective SEO Tips For Marketing Your Blog

Once you’ve started your blog and begun publishing content, the next thing you need to do is start your SEO (search engine optimization) campaign so you can increase the visibility of your blog on search engines. But with so many resources on SEO marketing already out there, it can be hard to narrow down the specific strategies and tactics you should use.

6 Effective SEO Tips For Marketing Your Blog

To help you along, here are six tips for SEO marketing that are guaranteed to boost your blog’s ranking on each of the major search engines:

  1. Research Which Keywords Are Popular In Your Niche

Keyword research and integration into your content needs to be the core of your SEO marketing strategy. Your research also needs to be a continuous process, because the keywords and phrases that are popular are constantly shifting.

Once you’ve come up with a list of around twenty to thirty popular keywords and phrases, you can then strategically include them in your blog’s headlines, tags, descriptions, and content. As a general rule of thumb, try to include at least one or two keywords for every two hundred and fifty words of content.

  1. Analyze Your Competition

Your competition will be running their own SEO campaigns as well, so to stay ahead of the game your best bet will be to use a website SEO analyzer that will create reports showing which keywords people are using to find the website of any link you submit.

Therefore, if you submit the links to the websites of your most popular competitors, you’ll be able to see exactly how they are increasing their visibility on search engines. Not only is this a great way to conduct keyword research, it’s also a great way to determine what your overall strategy should be for the next few months.

  1. Go Mobile

The number of mobile searches has now exceeded the number of desktop searches, so before you even think of launching your blog, you will need to optimize it for mobile devices. Your website needs to be equally as responsive and easy to navigate for phones and tablets as it is for laptops and desktop computers.

  1. Include An Image With Every Post

Every post you make on your blog needs to include a high quality image that effectively conveys what that post is about. People naturally have short attention spans, but they will become emotionally engaged with your post and be more likely to continue reading if you include an image in the beginning of your content.

  1. Have Catchy Headlines

When someone is scrolling through the results page of a search engine, the only thing that will grab their attention is the headline of your post on that page. People will naturally be drawn to headlines that include numbers (ex. 6 Steps To…), because such headlines promise value and to be an easy read.

  1. Create Great Content

This one should be obvious, but if you want your blog to be successful, you need to have great content. Not only does this mean your content must be well written and free of spelling and grammar errors, it also means it needs to provide value for the reader either by helping or entertaining them (or both).

Marketing Your Website Effectively

While running an effective SEO marketing campaign may sound difficult, the truth is that it’s relatively straightforward if you know what you’re doing. Hopefully, these six tips have helped you understand exactly what you need to do to begin your own SEO campaign.

Business Lessons to be Learned from Steve Jobs

Business Lessons to be Learned from Steve Jobs

There will never be another Steve Jobs, they say. A college dropout, who turned out to be one the most revolutionary personalities in the history of mankind, is a man who never quit. He believed in his ideas, he had a vision, he trusted himself when he could feel the whole world around him falling down.

A man who founded one of the world’s leading companies, Apple, in his parents’ garage and rescued his entire company out of a near bankruptcy emergency, Steve Jobs is a man of creativity and innovations. If you have an idea that could change how the world is functioning at this very moment, you’ve got to read the following few lines to pump yourself with motivation and zeal.

  • Love what you do, and do what you love
    In just about 10 years, Apple grew from what it was with just 2 people in his parents’ garage to a $2 billion company. Steve Jobs was fired from the company he co-founded in 1985 and just about 20 years ago, he returned Apple to its glory, by saving the company from bankruptcy, making it the greatest corporate comeback ever. As he said, he found what he loved, and never let it go. He was rejected, but always in love. Sometimes life is going to hit you with a brick, but don’t lose faith.
  • Never stop learning
    When Apple was developing its Macintosh, in the early days, the team consisted of people from all backgrounds- art, music, poetry, literature and history who were also the best programmers in the world. You surround yourself with the best of the people, and keep improving. “My job is not to be easy on people,” he once stated. “My job is to make them better.”
  • Think big and be different
    Why is the world always excited about a new Apple product? Because Apple has a history of providing its customers with an experience they’ve never had. Steve Jobs created a product, no one ever even dreamed of. The rule to success is, if you want your customers to buy, you should be able to sell it yourself first. If you haven’t found the best, keep looking and don’t settle for something inferior than what you are actually capable of.
  • Each day he looked into the mirror and asked himself, “If today was my last day on this earth, would I be doing what I have planned for myself?” If the answer was a no for too many days in row, he would say to himself, “CHANGE”.
    He believed that the most valuable resource is time. It is either now or never. Today is the day you influence someone. Today is the day you get up and work.

What Email Etiquettes are Important in Business Conversations

Email Etiquettes

In this new-age of slangs and short-handing writings, we are more concerned about hitting the ‘reply’ button faster, than giving a thought to what we have written. Why is it so important to send a ‘proper’ text or email?

Your messages should be precise, simply worded and proper. Instead of a lengthy mail reciting an unnecessary background story, emails that get to the point are more effective. Poorly worded emails can sometimes risk you costly lawsuits.

Incorrect e-mail content and format can sabotage your reputation in the professional world. Consider some of these points to make a good impression on your clients and bosses.

  • Make sure your grammar, punctuation and spellings are at point. Not only does it give a bad impression to the receiver, a misspell, no commas or an improper sentence can make it hard for the other person to understand your message. Also avoid using unnecessary exclamation marks- you may look childish and unprofessional. Don’t write in capitals- looks as if you are shouting!
  • Be concise and to the point. Longer emails are discouraging.
  • Never share private information via mail. If confidential information gets into wrong hands, you may face serious legal repercussions. Discuss only public matters; what you’d write on a company letterhead, cannot be posted on the bulletin board.
  • Always give your introduction. Just because you had previously spoken on phone or had meeting, you cannot assume the person receiving your email will simply recognize you by your id. Include your name, a simple reminder of where you met last, and maybe a sentence or two about who you are.
  • Keep your message clean. Clean up the excessive carets (>>>) , or long list of email addresses that weren’t protected by Bcc. Don’t leave the message thread, it is very confusing to find the unread message out of the other reads ones. Also make sure you aren’t sending forwarded messages, if you are, at least remove the Fcc from the subject bar.
  • Your subject should be very clear. With so many emails clogging up the mail box, a simple and descriptive subject line helps to get to the point. If your email subject is obscure, the receiver may not pay attention to it, and skip it. Avoid subject lines that have all caps, excessive exclamation marks, or URL links. These tend to look like spam. Don’t hesitate to change the subject line, if the email thread is getting too long, especially when this message has to do nothing with the previous ones.
  • Always mention about any files you are attaching with the email. If you are attaching two or more files, make sure the files have proper names, so that the receiver knows at glance the subject.
  • While auto-responders make your job easy, most formal business should be personally addressed, i.e., included a customized personal content.
  • Don’t use the ‘high priority’ option unless it is actually really important. We don’t want to be the boy who cried wolf.
  • Read, revise and format your emails before you send them. Errors in emails show carelessness and impatience.


Your email is a reflection of you.