Workers’ compensation is a system that was set up to provide a safety net for workers who are injured while on the job. So the question becomes, if I get injured at work do I get paid? In most states, someone who sustains an injury while at work is entitled to compensation for their injuries, medical bills and sometimes lost wages or long-term disability benefits. What are the types of benefits that workers’ compensation victims can claim?
If you are injured while on the job, you have the right to receive reasonable care from a medical professional for your injuries. If it is necessary to seek medical attention to lessen the impact of the injury or to ensure that no further injuries result, then you are entitled to have your medical bills paid and prescriptions filled.
You can even have your transportation costs paid, including mileage to a hospital or medical care facility. This varies depending on the workers’ compensation plan, and a worker might have to use a company or specific doctor, but that is usually only for the first 30 days after the incident. After that time, a patient can typically choose their own doctor after making a request in writing.
If an injury happens at work that requires a worker to take time off from their employment, they might be entitled to temporary disability payments. Temporary disability payments are meant to make up for any lost wages. The amount that a worker is entitled to has both a minimum and a maximum amount that can be paid out. Typically, it is about two-thirds of what a worker makes in their gross pay, and it is paid every two weeks. A doctor must first verify that a worker is unable to return to work or that they cannot function in their normal work capacity. You shouldn’t have to wait more than a week for your first check, which helps ensure that you aren’t left without the money to pay your bills.
A permanent disability is something that a person will have forever and will prevent them from working in their previous capacity. A worker who sustains a permanent disability is entitled to a monetary award. As they are unable to function in the same workforce or capacity, the amount a person is entitled to relies heavily on how greatly they are limited by their injury or illness, and what their new capacity for activity is. There are many factors that are taken into account when determining the monetary award for a permanent disability. Things like the age of the worker and their occupation when they were injured are all used to determine how much cash they are entitled to. The monetary compensation usually includes the addition of loss of future wages.
There are times when even if a person cannot return to work in the same capacity as they did before they were injured, they are capable of being retrained for another occupation. Workers’ compensation will usually pay for a worker to be trained for a new vocation. While they are being retrained, they are often entitled to partial payment of loss of wages and temporary disability payments. The goal of vocational rehabilitation is to allow someone who can’t perform in the capacity they did before the incident to do other comparable and meaningful work.
Wage loss benefits
Within most states, there is a clause that allows for two different types of wage loss benefits for workers’ compensation. You can either receive temporary partial payments or temporary total benefits. If you are temporarily disabled, you are entitled to still earn wages outside of the temporary disability payments you are receiving. The benefits are payable according to a percentage of pre-and post-illness or injury earnings.
Temporary total disability benefits are also paid to workers, but the difference is that while they are receiving the benefits, they are not allowed to earn any other wages. The benefits are payable according to the percentage of what the worker was earning pre-injury. The key to understanding wage loss benefits is to know what is expected of you and what is prohibited. If you earn money while you are supposed to be on total disability, that can result in forfeiture.
Workers’ compensation varies across states and organizations. If you want to ensure that you are getting all that you are entitled to, it is imperative that you understand the complexities of what your responsibilities are and the responsibility of your employer, and don’t cross the line or make a mistake that could jeopardize what is rightfully yours.
Running your own business can give you the freedom and peace of mind that no ordinary job can offer. Below, we’ve rounded up ten top tips for sole traders to consider…
1.Set up your business as soon as possible
Becoming a sole trader is simple – all you have to do is sign up on the Government website, and then keep a record of your business’ sales and expenses and submit a Self Assessment tax return at the end of every business year. The good news is that, after paying tax, you’ll get to keep 100% of your profits, so getting organised and signing up your business as soon as possible makes sense. Otherwise, you may have to submit the previous year’s finances and back-pay your tax, which can be time-consuming, stressful and costly.
There are a whole host of benefits of working for yourself, but one drawback is self-motivation. If you’re struggling to know where to start, create a calendar and organise where you’ll need to be, what you should be doing and how long you’ll need to do it for.
3.Get the best deals
Just as you would for your personal finances, you should shop around to get the best value for money on things like rent, marketing and insurance. If you have a van, for example, then you can find cheap fleet insurance quotes on websites such as Be Wiser. It pays to use price comparison websites and haggle to get the best deal – it almost always results in a discount.
4.Start your own website
Your website is your online shop front – it's where people will go to find out about what you do. Whether you're a mechanic or a hairdresser, a website is essential – use a web design tool such as Web.com or hire a professional web design company to create one for you.
5.Do some marketing
Nobody is going to buy from you if they don't know you exist, so do some marketing to get the word out. Consider printing off leaflets, set up social media handles for your business and put an advert in the local newspaper – every little helps in the early days of a company.
6.Save money when you can
Taking out a small business loan can work, but it pays to have money set aside for when you need new equipment or want to expand. Rather than boosting your salary or splashing out on expensive work meals and outings, save money as and when you can for a “rainy day”.
7.Collect money as soon as possible
Whenever you’re hired for a job, you should send out an invoice for the work – that way, you’ll be able to collect money and avoid being scammed. We recommend sticking to email-based invoices, as that way, customers can’t argue that their invoice was “lost in the post”.
8.Monitor your competitors
When you're in the early days of running a business, it's crucial that you identify your competition. Look around to see who else is offering services similar to yours, monitor their marketing and online activity, and see what they're doing differently to you. You can learn a lot about your industry by copying best practices from your competition, so don't be afraid.
9.Set up a bank account
Although you don’t technically need a separate bank account as a sole trader, having one can keep your personal and business finances from intertwining. Get business earnings paid into a separate account that you can monitor, and then transfer wages into your personal account. That way, you’ll be less tempted to spend money you’ve earned for your business.
A one-man-band business can be great fun, but it can also be lonely. Network with other business owners and industry friends, as they’ll not only keep you company when you’re sick of working alone, but they could become useful contacts when looking for new work.
Building a solid link profile is a very important part of SEO. However, not all links are created equal. If you are looking to build a solid link profile here are 3 ways you can do just that.
Focus On High Quality Links
The quality of links in your profile matter. If you have thousands of poor quality links pointing to your website Google and other search engines will see that as a problem.
If there are any toxic links pointing to your website, disavow them as soon as possible. Doing so will ensure they don't pass on any bad link juice to your website.
Get Links From Sites In Your Niche
If you are a personal trainer in Los Angeles, you want to make sure your site has links coming from sites in the health and fitness space.
If you have a ton of links coming from a real estate agents site Google will view that as irrelevant and your rankings will take a hit.
Diversify Your Links
Instead of focusing on getting all of your links from one or two niche sites, try getting a range of links from several trustworthy sites.
When a trustworthy site is linking back to you the search engines see that as a good thing and will send you more traffic as a result.
A solid link profile is the key to getting quality organic traffic to your website. It doesn't matter how well you have optimized your website, if your link profile isn't strong your traffic and conversions will suffer.
To get the best results you have to put yourself in the place of your ideal customers. What are they searching for when they go to Google? Knowing this information will give you an advantage over the competition.
Need Help With Your Link Profile?
If you have no idea where to start when it comes to building a solid link profile, 445 Media can help. They are experts in both on and off page SEO and can help you build a link profile that drives hundreds of targeted visitors to your site every single month.
There are more than 12 million eCommerce websites on the internet today. Less than 650,000 of them make more than a thousand dollars every year. This presents both a challenge and an opportunity to marketers. While the probability of success in eCommerce might seem low, entrepreneurs can make a killing buying not so successful online stores and turning them around. In this article, we will look at some ridiculously easy ways marketers can make failing eCommerce websites profitable.
Growing traffic to standalone eCommerce websites can be tough work. This is because of the sheer competition that your business faces from rival stores selling the same products. Thanks to the latest algorithm updates, search engines like Google rank established websites like Amazon over smaller, niche stores. One way to get around this challenge is through content marketing. Publishing blogs, videos and images that appeal to your target audience helps your business get seen on social media channels like Facebook, Instagram and Snapchat. Also, a well-planned content marketing strategy can also help your business rank for lucrative long-tail searches on Google. All of this draws your targeted audience to your website who may then be directed to your eCommerce portal.
ECommerce marketplaces like Shopify Exchange are extremely popular among serial entrepreneurs who own a lot of businesses. The reason for this is consolidation. Entrepreneurs who own a lot of properties in an industry tend to buy more businesses in the space in order to refer visitors and customers from one portal to the other. For instance, if you own a fashion blog, it is a good idea to buy an online apparel store that aligns with the kind of fashion you cover on your website. This way, you could refer the visitors from the blog to your online store and vice versa, thereby growing the traffic and revenue across both these properties.
Customers love giveaways and discounts. Coupon marketing can however bleed your revenue and should therefore be deployed judiciously. To begin with, target your coupons at specific customers or products. For instance, you could offer a ten percent discount on new customers. This way, you incentivize new registrations while forcing regular customers to pay market price for products. Similarly, if you are having trouble moving certain SKUs, you could look at offering discounts on these products alone. One way to make sure that your coupon strategy does not cause loss is by setting a minimum order value.
The purchase of an eCommerce store should not be viewed as a standalone transaction. Buying an online store also helps you get access to suppliers, wholesalers and distributors who can provide you products at a discounted rate. Besides selling these products on your eCommerce store, you may also strike a partnership with complementary websites or brick and mortar destinations to deliver these products to their customers. This helps your business scale up your monthly volume which can fetch you a better price from the suppliers. This strategy is particularly useful to increase profitability as well as to dramatically improve your monthly turnover.
One of Shropshire’s leading web and IT companies has recently revealed its new logos and branding, to support its growth to becoming one of the region’s best technological companies.
The new branding follows a previous office move within Shrewsbury, which has allowed Information Solutions and its sister company, The Web Orchard, to hire additional staff to support their commitment to providing the best web and IT services within the region.
Peter White, one of the directors of Information Solutions, says, “Over the past year our businesses have gone from strength to strength, and with future development planned it’s been great to move into the larger offices and refresh the branding so it better reflects the two companies as we progress into this phase of the company.”
“We’re also happy that we’ve been able to remain in The Pump House in Shrewsbury as it’s a great low energy and environmentally friendly building, and allows us to have a great central hub for working with the whole of Shropshire and the West Midlands.”
Along with its aim of providing the best IT and web services to its clients, the company is also dedicated to providing valuable services for the larger community.
The company which also runs the popular Love Shrewsbury website and the Community Hub web services for local parish councils – has helped dozens of local businesses and organisations create an online presence for themselves.
The company’s rebrand was carried out by Carl Jones Design, and it is not the first time the two companies have worked together, having recently worked on projects such as the new Housing Plus Group, Blue Square Building, and Battlefield 1403 websites.
Set up in 2003 Information Solutions has become one of the region’s leading professional IT support providers and web development companies.
With clients based throughout Shropshire and the greater West Midlands area Information Solutions are able to offer a whole suite of IT services from bespoke IT Support Packages to the latest cloud based services and effective IT Security Solutions.
The Web Orchard specialises in Drupal and WordPress content management systems and has developed websites such as Telford Shopping Centre, Shropshire Fire and Rescue and Shrewsbury Town Council during its ten years history.
Information Solutions aim ‘To be the leading IT & Web provider in Shropshire, the business that people want to work WITH and FOR’