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.
Do you have a job that keeps you tied to your desk throughout the day? It can be difficult to stay in shape in an office environment, but there are things you can do to try and maintain a healthy lifestyle. Read on for our top five work fitness tips to help you avoid piling on the pounds.
Adjust your posture
Many people fall into the trap of slouching at their desk. Sitting up straight is a calorie-burner as it contributes to toning your physique. Your back and core muscles tighten up when you sit up straight, helping to tone them as well. Having correct posture can prevent backaches and neck pain, allowing you to continue exercising away from work without injuries or injuring yourself further.
Don't skip lunch or 'down time'
Do you usually grab your lunch without taking a break from your work? This usually results in us rushing something unhealthy down and increases the chances of putting on weight. Choosing healthy options such as fruits, vegetables and fat free yogurts away from your desk can help you stay fit. Take time away from the daily grind and utilise your lunch hour to do something enjoyable such as trying out casumo free spins or reading a good book can also help our wellbeing.
Keep yourself mobile
Standing up and going for a short walk can help you stay in shape as this will increase your activity levels during the day. If you need to speak with a colleague, pop along to their office rather than phoning or sending an email. At lunchtime try and get outside for some fresh air – even a brisk 15 minute walk can make a difference to your fitness levels.
Don't overdo tea or coffee
It can be notoriously difficult to try to control your intake of tea and coffee at work. This can be made worse if you take your drinks with sugar. Drink plenty of water throughout the day so that you remain hydrated and alert. Water can trick your body into feeling full, significantly diminishing your hunger and cravings.
Don't skip your gym session
You can soon get out of the habit of visiting the gym if you have an office job, but keeping a workout in your daily routine will undoubtedly help you to stay in shape. Most gyms offer early morning sessions, so why not get up an hour earlier and start the day on a treadmill or exercise bike? A quick shower afterwards will leave you refreshed and ready to tackle your office duties.
Modern technology has changed the way we live, offering users a vast range of opportunities to make their lives easier. The internet allows people to diversify the way they work, opening up the possibility or working from home or starting a business to run alongside full-time employment. Read on to discover our five top tips for making money online.
1. Social media management Social media has changed the way companies advertise and market themselves. If you're particularly savvy with platforms such as Facebook, Twitter and Instagram it's possible to earn a decent amount of money by becoming a social media manager. Build yourself a strong online presence in a personal capacity, then look for freelance social media management opportunities to seriously boost your income.
2. Set up a blog or website If you're a talented writer with something interesting to say why not use a blog or website to make some money? The majority of successful websites generate income through advertising, with Venice Magic Slot or similar advertisers eager to take advantage of the traffic they can generate. It is important not to bombard your readers with too many advertisements, but carefully placed content can actually enhance a user's experience of visiting your site.
3. Start an online shop Are you good at buying and selling? Maybe you've identified a product you can buy cheaply and sell at a profit online? Whether it's one of these or something else, starting an online shop can provide you with an excellent main or secondary source of income. Sites such as Amazon and eBay also offer the opportunity to sell affiliate products, further boosting your chances of making money online.
4. Take part in online surveys There are numerous websites that ask you to take part in surveys and get paid. These can be done in your own time and although they offer a relatively low amount for each one completed, you can generate a steady stream of income for just a few hours work each month. Recommending friends and family can help you earn even more money.
5. Teach online Do you have a particular skill you could pass on? Perhaps you're fluent in languages or maybe you're good at DIY? Whatever your skill you could become a virtual teacher and host one-on-one tutoring sessions or webinars to help people directly with any number of topics. Creating video tutorials on sites like YouTube can also generate a significant amount of income if you have a particular niche that would attract a significant number of viewers. Whatever you consider taking on, you must be dedicated and prepared to work hard to ensure your efforts are properly rewarded.
If you're thinking of starting your own gym there's plenty to consider before you can get the business off the ground. You've found your ideal location and have a picture in your mind of what you want, but you still need to determine whether your idea makes commercial sense. Read on for some useful tips to help you get up-and-running.
1. Do your homework The planning stage should include a complete budget. This will obviously include equipment, but don't forget other expenses such as utility bills, marketing and insurance. Try and speak to owners of similar sized gyms to get their advice about some of the pitfalls in the industry. You could try and boost your budget by using Dirty Dancing Slot Free Spins to generate some extra income, but always seek independent financial advice and don't take the plunge unless you're absolutely sure your gym will be successful.
2. It's all about the space Laying out your gym doesn't just involve working out how much equipment you need. Changing rooms, bathroom facilities, group fitness areas, studios and offices can all eat into the space you have available. As a general rule of thumb around 60% of your gym's space will be areas for strength and cardio equipment, with the rest used for everything else.
3. Utilise a design service A full design service offers customers with a new build or an existing area the opportunity to see full 3D images of what their gym will look like prior to placing an order. Engineers will attend site, assess your equipment needs and take full measurements. From there, they will prepare you a full 3D Cad designed presentation and a quote for you to approve. The beauty of this service is you can change your design as many times as you want, until you are satisfied that you are getting exactly what you need and keeping within your budget. Use a company who can also audit your existing equipment and incorporate it within your design. For a more unique or corporate look, you could consider colour coding your upholstery and having logos embossed.
4. Keep on top of servicing Regular servicing and maintenance of gym equipment reduces the number of breakdowns and increases the longevity of equipment, preventing costly repair and replacement. It's recommend that each item of equipment is serviced twice a year to meet the strict industry health and safety requirements. There are different levels of service plans you can utilise including ad hoc, annual scheduled service agreements, all-inclusive contracts, audit servicing and full estate management.
Regardless of the type of business you run, your customer is the most important element of your operations. The success of your business depends highly on how happy you can make your customers and how long you can keep them feeling that way about your products and services.
Good customer service is one of the best ways to get closer to customers. Customer service is so much more than providing support and after-sales services. It is more about building and maintaining good relationships with your customers, and we have just the tips to help you get started in this article.
Utilise Your Customers’ Preferred Channels
In the old days, we chose the right support channels based on many factors, from the budget we had in hand to the most convenient way of providing customer support. Today, the best approach is to use the channels customers are already using.
This is one of the main reasons why more businesses, especially small and medium enterprises, now offer customer care through social media sites. Your customers are already there, so connecting with them and offering help whenever possible is much easier to do.
Another interesting approach is to use mobile apps. If you already have an app for your products and services, add a Live Chat feature so that customers can ask questions at any time. Gaffey, a leading provider of industrial water treatment systems, take this approach a step further and offers their business customers a technical support app.
Another good option is the ticketing system software by Kayako, its full suite of tools including live chat software and an organized shared inbox make providing support services much easier.
Don’t wait until customers run into issues with the products and services you offer before reaching out to them. It is actually better to reach out and ask questions before that happens because you can build stronger relationships with them this way.
There are several ways to do this. You can, for example, send a follow-up email one or two weeks after a customer’s purchase. You can use suggestion boxes and printed sheets to capture feedback from customers in a retail establishment or an offline store. You can even call customers directly to get the insights you need.
Learn from Complaints
Your first priority must always be to get complaints settled as quickly as possible. Make sure your team finds the perfect solution and helps customers in a timely manner. Solving the problem, however, is not the end of the customer support cycle.
You must also take the time to analyse complaints and learn from them. Are there similar complaints coming from different customers? What can you do to prevent the same issues from happening again? Is there a lesson to be learned in the complaints you receive?
Take a more active stance in learning from a customers’ problems. You can also learn from the compliments and positive feedback you receive. Combined, the learning experience will allow you to improve your products and services while building stronger relationships with your customers.
These are simple tips and strategies you can implement right away to improve how you handle your customers. Invest in building a stronger relationship and you will enjoy many long-term benefits in return.
With the ongoing decline in living standards and lack of wage growth, every family is looking for a way to save money. We all want to save ourselves some extra each month - no matter how small. One of the best ways to doing this is by making use of coupon and discount codes.
Using coupons used to be considered being cheap, but now almost everyone wants to get involved and people spend endless hours searching for discount codes that will help them keep some extra money in their pockets. Instead of sitting at your computer, surfing through different websites, and not getting good coupons and discount codes, why not join just one website and get the best discount on your favorite products.
Using a coupon nowadays is not just a necessity, it is also considered to be a smart move. So, how do you use these discount codes to save yourself that extra cash? Well, the process here is quite simple. Below are some factors that can help you out with saving money using coupons and discount codes.
CHECK YOUR SHOPPING HABITS
Discount codes at CouponGrind.com can help you save a lot but you need to be aware of your shopping habits so you can actually save money at the end of the day. Ensure that you are not just using the discount codes to buy products you don't need and be aware of what the deal entails before buying. Make sure the products you buy with the coupons are products you are actually going to use; don’t just buy them because they are cheap.
BE SURE ABOUT EXPIRY DATES
Coupons have expiry dates and these dates are subjected to change. Stores can make the decision to expire their coupons at any time. They have the right to do this and they can do it without sending notices. This usually happens when the demand is too much or when the product supply is limited. Either way, you need to act quickly when you get an offer as you may not find it there the next day.
CHECK OUT THE COMPETITION AND SAVE MORE
You do not need to wait until checkout before trying to get yourself a coupon. Log on to a competent deal and coupon website like CouponGrind.com. This way, you'll be able to cut down your visits to multiple sites as you'll get nothing but the best deals on this websites; you'll also be able to know the store that offers the best price.
TRY OUT A NEW STORE
This is another way to save money of coupons. Do not be afraid to check out a new store. Most times, new stores offer bigger discounts so as to attract new customers. As a matter of fact, new customers can get five to ten percent higher savings than returning customers. But keep it in mind that most times, these offers are only eligible for the first purchase you make at that store.
Get your coupons and discount codes at CouponGrind.com today and save more than you ever think you will. From food, to clothing, to health, beauty, professional services, etc. you have the best chances of saving now.
The future of manufacturing will definitely include robots—and the future is now. There are already many automated processes, with more to come. But how many more robots and automated machines will there be? Will all human factory workers eventually be replaced, or is this just science fiction?
Automation enabled manufacturing’s latest trend known as lights-out production, a term for facilities able to operate without lights and without any human oversight. At the lights out FANUC (factor automated numerical control) facility in Japan, robots are creating other robots.
Not only the lights are off, so are the A/C and heating. The automated workforce operates continuously, without any breaks. Through this automated, lights out process, FANUC creates 22,000 to 23,000 CNC machines monthly.
FANUC, with its 24/7/365 production schedule, is an uncommon production facility. What’s more common is having automated processes occurring during the third shift for a few hours a day—at least as a starting point.
However, before a company even considers lights-out production, automation systems must already be in place. Companies with interest in seeing if lights-out production is a cost-effective option, turn to specialists like Midwest Engineering Systems (MWES) for customized automation solutions and machine designs.
Although lights-out production isn’t for every company, there are some major benefits including the following:
- Increased product quality
- Improved throughput
- Decrease in workplace injuries—especially in hazardous work environments
- Fills in a skilled worker shortage
- A decrease in labor costs
Douglas Peterson, general manager for collaborative robots maker Universal Robots, told Automation World the criteria to determine what would work is best for a robot vs. what work would be best for human workers.
“Robots are uniquely suited to any manufacturing task that is dirty, dangerous or dull. If the process doesn’t require human dexterity, mental agility or problem-solving skills, then it can be done by a robot.”
Implementing lights-out production is a complex and difficult process. CNC Cookbook outlines and details the many challenges that can come with starting a lights-out production process, with the largest challenge being perfecting processes.
For example, even with the most cutting-edge technology, if a single process is faulty, the whole system is at risk of failure in an automated environment. Testing new equipment and ensuring a seamless production process is critical. Having human supervisors and maintenance techs on-site is often recommended.
On the finance side, the upfront costs of lights-out production can be cost-prohibitive for many. Experts say facilities debating a move to a lights-out system should expect a return on their upfront investment within two years. If the gains in efficiency and productivity will pay of the cost of the automated machines and components themselves within 2 years, the investment likely makes sense.
Automation’s popularity grows as lights-out production is becoming more commonplace and less of a novelty. Machines will likely replace many workers who perform more dangerous or repetitive tasks while helping to boost productivity gains and profitability for many manufacturers.
(Image Credit: Steve Jurvetson / Flickr)