The Most Dangerous Place to Work

You expect your workplace to be safe, especially since it’s where you spend most of your day. According to a recent study, healthcare is the most dangerous industry to work. This is especially sad considering these people spend their days serving others. Forty-five percent of workplace incidents occur in the healthcare industry, with more than 650,000 people falling ill or injured each year. Overexertion related to pulling, pushing, holding, carrying, and lifting remains the most common workplace injury, and is one of the top reasons that healthcare workers leave the industry. These workers often rank alongside manufacturers and laborers in terms of musculoskeletal injuries because of overexertion from handling patients. Weight, such as a 100 pound patient, would be lifted with mechanical support in other industries, but is often handled manually by healthcare professionals.

Manufacturing was commonly viewed as the most dangerous industry to work in, with risks of slip and falls, lifting injuries, and equipment malfunctions. However, the 152,000 manufacturing injuries each year are a small fraction of the yearly healthcare incidents. Despite this overwhelming majority, health care facilities received about 2,500 OSHA inspections while construction sites received around 52,000 in 2011.

No matter what industry you may work in, there is always a risk of injury or illness. However, it is third-party carelessness that can dramatically increase your chances of injury. All employers and individuals are responsible to uphold a certain duty of care not to put others at risk of injury or accident. According to the website of the Law Office of Bill Pelhan, duty of care can be breached in many ways including failure to safely maintain property or equipment, or selling a dangerous or defective product. If you were involved in a workplace accident because a third party has breached their duty of care, you can take legal action in order to receive compensation.

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Reckless Driving

Traffic laws are put in place to protect people on or near the road. Reckless driving, however minor it may seem, disregards these laws and puts drivers, pedestrians, and cyclists in danger. The most common reckless driving activities are speeding, tailgating, drunk, drowsy, or distracted driving, running red lights or stop signs, and failure to use a turn signal. Unfortunately, reckless driving is one of the top causes of accidents on the road, and these accidents are preventable.

Cell phone usage has caused distracted driving to become one of the leading causes of traffic accidents. Distracted driving has grown to include activities like texting, eating, using a navigation system, and adjusting the radio or music device. Texting is the most dangerous distraction because it requires manual, visual, and cognitive attention from the driver. The largest number of distracted driving accidents occurred among drivers younger than 20. Of these accidents, 21% were because of cell phone usage.

Drunk driving is widely considered the leading cause of traffic fatalities in the U.S., accounting for 31% of traffic related deaths in 2010. However, speeding is often overlooked as another leading cause of traffic fatalities, despite the fact that it is one of the most common reckless driving activities. According to the U.S. Census Bureau, there are about 10,500 speeding-related traffic fatalities each year. An article from the Law Offices of Vic Feazell website explains that the most common ways that speeding threatens others include:

  • Reduced control of your vehicle
  • Decreased ability to react to oncoming collisions or road conditions
  • Compromising the function of vehicular safety features
  • Increased probability of damage in the event of an accident

Speeding accidents are entirely preventable, and drivers who choose to ignore speed limits put themselves and others in unnecessary danger.

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The Difference Between Secured and Unsecured Debts

Bankruptcy is often considered a helpful solution for those who are buried in debt and need to save their finances. However, the court may treat you differently depending on the type of debt you owe your creditors. For example, a person with a large amount of secured debt could lose property in the event of bankruptcy. If you are facing the decision to file for bankruptcy, it is important to learn the difference between secured and unsecured debts.

Secured debts are considered collateral for the debt you owe a creditor, and the creditor has the right to seize the asset if you fall behind on payments. For example, a mortgage loan is secured by your home itself. An unsecured debt does not provide creditors with any collateral for your debt. Credit card debt is the most common unsecured debt. If you fall behind on payments, the creditor does not have the right to seize your assets, but they do have the right to take alternate action to encourage payment. These actions can include hiring a debt collector, suing to garnish your wages, or suing to put a lien on your assets.

According to an article from the law office of Ryan J. Ruehle, unsecured debt seems like a less immediate threat to financial stability, but it can still present a serious danger. This is because some unsecured debts, such as student loans, cannot be discharged during bankruptcy.

Bankruptcy may seem like the only option if you are facing more debt than you can handle, but it is important to consult a bankruptcy lawyer to help determine your legal options and decide which option is best for your situation.

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Dangerous Drug Interactions

Medications, whether they’re over-the-counter or prescription, can be lethal if combined incorrectly. Unfortunately, millions of Americans are at risk of death because they are unaware of the dangerous drug interactions they may be exposing themselves to. This is why it’s important not only for pharmacists to explain these dangers, but for patients to understand and avoid them.

The most common example of a deadly prescription interaction involves SSRI antidepressants and pain killers. Mixing SSRIs and prescription pain medicine can cause a reaction called serotonin syndrome. Its symptoms include euphoria, restlessness, delirium, shivering, and diarrhea. If serotonin syndrome goes undetected and untreated for too long, it is lethal. Considering around 27 million Americans take SSRIs, the chances that a deadly interaction could happen are extremely high if patients are not educated about their prescription.

According to the Medical Malpractice Payout Analysis, $144 million out of the $3.6 billion dollars in malpractice payouts in 2012 were medication related. Pharmacies and pharmacists are held to a certain duty of care to ensure that patients receive the correct prescription and information about how to use their medication. Despite this duty of care, an estimated 51 million prescription errors are made each year. The most common types of pharmaceutical error, as cited on the website of Scudder and Hendrick, involve:

  • Dispensing the incorrect medication strength or dosage
  • Dispensing the wrong drug
  • Confusing prescriptions between customers
  • Failing to give proper utilization instructions
  • Failing to warn against dangerous drug interactions

It is important to educate yourself about your prescription medication in order to avoid becoming a victim of malpractice. Always talk to your pharmacist about the side effects of a new medication, as well as what to avoid while taking that medication in order to ensure that you are not putting yourself at risk.

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How-To SR-22

An SR-22 is a form proving that a driver has insurance, but is not an actual insurance policy. It is often required for drivers who have received a DUI or DWI, license suspension, too many tickets in too short of time, or have been caught driving without insurance. An SR-22 is the most common coverage method used when drivers are considered “high-risk” by their insurance providers because of issues with their driving record.

Insure On The Spot explains that in order to obtain an SR-22, you must fill out a form providing your name, address, birth date, social security and driver’s license number, auto insurance policy number, start, and end dates, and the details of your vehicle. Your insurance company sends the SR-22 certificate to the Secretary of State, who then sends you a copy of the certificate upon acceptance.

Once you receive your certificate, it is important to understand your state’s SR-22 requirements. An SR-22 has a filing period that varies by state and severity of offense, but is usually around three years. Some states do not require SR-22s, such as New Mexico, Oklahoma, Pennsylvania, Minnesota, Kentucky, and Delaware. However, if you move to one of those states during the time you are carrying an SR-22, you must still meet the filing requirements of the original state that you moved from. However, it is not enough to just keep up with your filing requirements, you also have to maintain car insurance. Auto insurance companies are required by law to notify the DMV of inactive insurance policies. So, your license could be suspended if you file an SR-22 form with the DMV but lapse on your insurance.

SR-22 coverage may be more expensive than a typical insurance policy, but it is often the best option for those who are struggling to find adequate insurance because of blemishes on their driving record. Therefore, it is important to determine your risk-rating and shop around to receive the best quote possible for your SR-22 coverage. According to the website of Habush Habush & Rottier S.C. ®, if you need to take out an SR-22, you have to be aware that your driving privileges are on thin ice and could be revoked if you make another slip-up.

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