Tuesday 20 August 2013

Durable Power Of Attorney

Coming up with an estate planning checklist can be a jarring activity. Basically, a person who devises an estate plan is acknowledging he or she will die. Of course, we all know that death is one of life's few certainties. But it's often sobering to see an estate plan in black and white.
But the reality that we're only here for a finite amount of time is what makes estate planning so important. When done correctly, the entire process - from declaring a durable power of attorney to drawing up wills to donating money tax-free to family members, friends and charities and every activity in between - will make things much easier for a person's survivors in the days, months and years following his or her death.
Here are some estate planning basics to follow:
Find a durable power of attorney. This may be even a more essential step than writing a will. A durable power of attorney is the person who has the legal right to act on behalf of someone who is medically incapacitated. Establishing a durable power of attorney provides the estate planner peace of mind knowing his or her affairs will be in the hands of a trusted family member or confidant. It is especially important for estate planners to do this well ahead of time, because should someone suffer an injury or illness that renders him or her unable to handle his or her affairs, a court will appoint a guardian or conservator at the family's expense.
Write a will. A will ensures the deceased can declare where his or her "probate property" - i.e. the property the deceased owns at the time of death, such as real estate, automobiles and some bank accounts - will go following his or her death. A will can also help the wealthy minimize the estate taxes their survivors will have to pay. Those who die without a will in place ("intestate") will have their estate distributed during the probate process, which can be costly and time-consuming for the survivors.
In 2012, there is no estate tax assigned to estates valued at less than $5,120,000. However, the federal estate tax is 35 percent, so it behooves those who have this much property and are not leaving it all to a spouse to design an estate plan in which they make tax-free donations that can lessen the tax hit their descendants will take. An individual may donate as much as $13,000 to another person without having to report the gift via a gift tax return. And gifts made to charities are not taxed.
Estate planning is an imposing task from the very beginning and the locating of a durable power of attorney. But it is vital that it be done, and done correctly, so that a person has a say in how his or her estate is distributed upon death and to maximize the inheritance received by his or her survivors.
Stoever Glass & Co. Inc, specializes in tax-free municipal bonds for high net worth individuals and investment advisors for over 45 years.


A History of Corporate Abuse: Mesothelioma

"My answer to the problem is: if you have enjoyed a good life while working with asbestos products why not die from it. There's got to be some cause."
This quote came from a purchasing director for Johns Manville corporation in 1966. Years later the company would face bankruptcy from being overwhelmed by nearly 16,500 asbestos lawsuits in what would become an important moment in the history of asbestos litigation.
For years large corporations like Johns Manville operated their asbestos manufacturing operations with internal knowledge of health problems and tried their best to control any information that hinted to the safety risks of asbestos.
It is a sad corporate legacy and one that continues to haunt the numerous dying and diagnosed men and women who seek compensation for their exposure. Some estimates put the number of exposed patients to nearly 27.5 million between 1940 and 1979.
It wasn't until the mid-1970s that the Occupational Safety and Health Administration began to regulate asbestos exposure. By then however it was all too late. New cases of asbestos related health problems will continue to be diagnosed every year at a rate of nearly 3,000 cases for mesothelioma alone. The reason is that asbestos related illnesses have long latency periods of up to 40 years before exposure can lead to cancerous formations.
According to Adam Raphael, "the best estimate of what lies ahead is a study published by the Yale School of Organization and Management in 1992. It predicts that there will be 200,000 asbestos-related deaths over the next quarter of a century at a cost to asbestos manufacturers and their insurers of $50 billion."
With such liability it is easy to see why since 1985, nearly 16 major asbestos manufacturing firms have gone out of business. When they go out, it makes it nearly impossible for families to collect compensation.
Furthermore other companies still in business like Johns Manville have set up inadequately funded pools for compensation. Just last year W.R. Grace sent a notice to residents of Libby, Montana (the site of a once booming asbestos mine where 1 in 8 residents is infected with a lung disorder of some type) telling them that they were no longer sick and should seek other forms of medical assistance.
Its a sad corporate legacy where millions of average Americans worked long hours to provide a better life for their families only to get nothing in return from the employers who benefited.
Please visit this site for Mesothelioma Information.


Frequently Asked Questions About An Asbestos Law Suit

Asbestos litigation is one of the longest-running and most expensive mass torts in the history of the United States. For those who do not know the term, "mass tort" refers to a class-action lawsuit. This means that a mass tort is a lawsuit which involves a group of people instead of just one individual.
Currently, asbestos litigations involve more than 600,000 people suing more than 6,000 claimants. If you are one of the people who think that a company has put your life in danger and who wishes to gain justice by bringing that company to the court, then there might be a few questions you want answered. Here is a list of the Frequently Asked Questions by people regarding Asbestos law suits:
How soon after I am exposed to asbestos should I file a law suit?
Many people are frequently unsure regarding whether or not the time is right to file an asbestos law suit. This may be because they are yet unsure regarding whether or not they will be able to claim damages. One of the best pieces of advice that people can give you would be to consult a doctor first. This is because exposure alone to asbestos cannot serve as grounds for litigation. You need to show that your health has been adversely affected by exposure to asbestos before you can start a law suit. An asbestos law suit should definitely have a strong base if it is to go far. You need to remember that some asbestos-related illnesses can be hard to diagnose. This means that you need to be very sure before you attempt to file an asbestos law suit.
If you have been exposed to asbestos but have not yet developed symptoms, then you should definitely try to monitor your health very carefully. Some asbestos-caused illnesses like mesothelioma actually only show about 20-50 years after the person has been exposed to the substance. Watch for any telltale signs of illnesses and then contact a doctor right away. This is because some states have a statute of limitations which prevents people from suing a company when a certain time period has passed after they learn about the disease.
What is a contingency fee?
If you plan to go ahead with an asbestos law suit, then you may be thinking hard about how to pay for it. Most firms actually understand how hard it must be to face the disaster caused by asbestos in your life and they do not want to further add to your burden by charging you for every hour of their advice. In fact, most firms today accept payment in the form of contingency fees.
What exactly are these fees? Well, a contingency fee is a fee that the law firm collects only after the case is finished. A contingency fee is actually based on the amount of damages that you will be receiving as this is often stipulated in contract as being a percentage of the total proceeds of the case.
You have to be careful when agreeing to contingency fees. Some firms take the contingency fees out of the gross proceeds of the case. That is, they take the agreed upon percentage out of the total amount and then subtract the legal fees from your share. This means you will only keep a very small percentage of your cash. Try to look for a firm which deducts the fees from the net proceeds. By doing this, they will bear an equivalent share of the legal fees that you have incurred during the case. If you wish to know the percentage which you might have to part with as a contingency fee, most firms actually charge 1/3 or 33.33 percent.
How much money do litigants get?
This question cannot really be answered without enough information regarding your case. The amount of cash which a company will be willing to part with in your case depends on the particulars of the case. Some people can be hurt because of the fact that the damages that a person receives in an asbestos law suit often depends on how important his or her case is in the light of other people's complaints. This is because to every person, especially those whose lives have been shattered because of their exposure to asbestos, their case is the biggest one.
What is the first step in filing an asbestos law suit?
Always consult a lawyer first. The lawyer will be able to help you by handling all of the details which you may need to complete in order to get on with the asbestos law suit. When you consult a lawyer, you would then be required to cooperate in the information-gathering process. That is, you would be required to disclose any information which is possibly relevant to the case. There are steps following these, but the two described above ought to get you started in an asbestos lawsuit.
For more complete information on mesothelioma please go to:
[http://freemesotheliomalawyer.com/asbestos-law-suit-faq/]
[http://freemesotheliomalawyer.com]


There's an old joke that asks "How do you get to Cargenie Hall?" The answer is "Practice."
The same can be said for becoming a medical malpractice lawyer in New York.
My first boss, a well-known trial attorney in New York, told me one day after an exhausting and productive day, that trial lawyers are not born great trial lawyers. Rather, they must practice their trade day in and day out. Only through experience and practice can one become a truly good lawyer.
Becoming a lawyer
In order to become a lawyer in New York, you must attend four years of college. You then must take the LSAT (law school admission test) and apply for admission to law school. Law school is usually a three year program, and once you finish school- you must take the New York State Bar Exam. This is a two day exam that tests your knowledge of general and specific areas of law. Once you pass the bar exam, you must pass an interview with the character and fitness committee in the County in which you live. Once you have passed the interview you will be permitted to practice law in the State of New York.
Gaining experience
Most attorneys will go to work for a law firm to gain experience, and after a few years, move to a different firm. Some will open their own law firms, and some will remain where they started. One of the best ways to gain experience in medical malpractice law in New York is to work in a defense litigation firm that handles medical malpractice defense. There you will learn to handle the file, deal with paperwork, attend court conferences, deal with clients, take depositions, and if you're lucky, assist senior attorneys with trials. In years past, the younger associates at such defense firms could easily count on starting their own trials within one to two years of passing the bar. However, with malpractice cases being so complex, and physicians and insurance companies being weary of the young novice attorney representing such significant matters, it's unlikely that you will be handling your own trial until you are either a partner, or have many years of experience under your belt- even if you are the smartest attorney to come out of your class.
Medical malpractice law
Medical malpractice law is a sub-specialty of tort law- also known as personal injury law. The only way to become good at it is to gain experience by practice and guidance with a senior trial lawyer who handles these cases on a day to day basis. Not only do you need to learn the law specific to medical malpractice issues, but you also have to become somewhat of an expert on the medicine involved in the case.
Learning the medicine occurs by reading medical literature, medical textbooks, speaking with physicians, consulting with your medical experts, and treating doctors. Learning how to apply that knowledge to your case is what takes time and experience. Learning how to cross-examine a doctor at a deposition or question him skillfully at trial is what separates the good attorney from the excellent attorney.
Contrary to what we see on television, the key to being a good trial attorney who handles medical malpractice cases is preparation. Preparation of the medicine, preparation of your records, exhibits, your clients, and your experts; in a word: Preparation. You must know your case better than your own client does. You must educate the Court about your case, the law involved specifically in your case, and must convey your knowledge to the jury in a way that makes your case more believable than your adversary's case.
My own experience
In my daily practice, I truly enjoy handling medical malpractice cases. I enjoy speaking with potential clients who call to see whether they have valid cases that warrant investigating and prosecuting. The hardest part of my job is telling a potential client that I cannot accept their case. When that happens the natural question is "Why can't you take my case?" The answer to that question can be simple or complex depending on the type of case they're calling about.
Being able to help victims of medical malpractice is always rewarding, as many of these victims cannot help themselves and need legal help with rebuilding their lives, their finances and their frail bodies.
For those who call for tort reform, keep in mind that there are many instances of valid malpractice cases here in New York that so few contrarians even wish to discuss. Rather, they want to focus on a few bad apples who bring cases that are questionable. Instead of focusing on a few bad apples, keep your mind focused on what can be done to prevent malpractice from happening, and once it does happen, how to properly and fully compensate the injured victim.
Gerry Oginski is an experienced New York medical malpractice and personal injury trial attorney and practices exclusively in the State of New York. He has tirelessly represented injured victims in all types of medical malpractice and injury cases in the last 19 years. As a solo practitioner he is able to devote 100% of his time to each individual client. A client is never a file number in his office.
Take a look at Gerry's website http://www.oginski-law.com and read his free special reports on malpractice and accident law. Read actual testimony of real doctors in medical malpractice cases. Learn answers to your legal questions. We have over 200 FAQs to the most interesting legal questions. Read about his success stories. Read the latest injury and malpractice news. I guarantee there's something for you.http://www.oginski-law.com 516-487-8207
Also, take a look at Gerry's FREE NY Medical Malpractice video tutorials at http://medicalmalpracticetutorial.blogspot.com


Mesothelioma Litigation - If Your Employer Knew, Ask A Lawyer If You Can Sue

Overexposure to asbestos materials and fibers has been found to pose a number of health hazards. Numerous studies have shown that overexposure to asbestos has lead to the development of a number of diseases including diffuse thickening of the pleura, larynx and lung carcinoma, pleural plaques, asbestosis and malignant mesothelioma. For a very long time, asbestos has been used for several purposes in the productions of industrial products that include textiles, insulations, roof shingles, various flooring products, cement, brake linings, gaskets among others. Employees working in such environments are at high risk of getting asbestos related diseases.
It is the duty of employers to ensure that the working sites are both healthy and safe for the workers and the surrounding environment. It is also the duty of employers to advice their employees on any health hazards that the working sites may expose them to. On the same note, employers have the responsibility of providing their employers with equipment and other working gear that can be used protection purposes. People working in industries that produce or use asbestos in its productions are expected to be provided with special clothing and other working gear that limits the exposure to asbestos containing materials.
Mesothelioma litigationis a lawsuit pressed by a mesothelioma victim against any employer for unknowingly exposing him to materials containing asbestos which in turn has resulted in the victim developing mesothelioma or other asbestos related diseases. Mesothelioma is a terminal disease which affects mesothelium which is basically the protective lining covering vital organs like the lungs, heart and the abdomen. The mesothelioma litigation is a way of facilitating asbestos compensation. Sometimes, it can be challenging to prove mesothelioma claims you may make for you to get any asbestos compensation.
Considering that mesothelioma can take between 20-50 years before it starts showing any signs, it can be quite a challenge to link mesothelioma to a working environment especially if you no longer work at the asbestos site. Again, the diagnosis of mesothelioma is a challenge on its own as the mesothelioma symptoms are quite similar to symptoms of other pulmonary diseases. However, a good mesothelioma attorney should be able to dig out substantial evidence linking your ailing health to your work environment. To make it easier for your mesothelioma diagnosis, it is very important to clearly discuss your symptoms and also what your professional dealt with. It is expected that your employer knew the health risks s/he was exposing you to before hiring you. Therefore, the basis of your mesothelioma claims will be that your employer knew what he was exposing you to asbestos and did nothing to protect you.
In as much as mesothelioma is a terminal disease which will only take about 6-18 months after diagnosis to claims the victim's life, it is very important to seek compensation. The mesothelioma compensation might not be able to cure your condition, but it can be used to cater for your medications and mesothelioma treatments that you can use to prolong your life. Even if you do not live to benefit from your asbestos compensation, your spouse or family can be compensated for losing you to mesothelioma.
Negligence is a very complicated subject and cannot be fully explained in a short article like this one. Lawyers spend years learning what is legal and what isn't so you should not assume that you have a case until you get professional advice. For more tips and information, please go to Mesothelioma Litigation Lawyers [http://www.mesotheliomalitigationlawyers.com].


Durable Limited Power of Attorney Forms - When to Use

When you would like to allow someone else to have the authority of acting on your behalf, you will have to use a legal document called a power of attorney. It is widely used legal form for any circumstance where there is a need for owner's signatures to make the contract legally binding. When a person signs the power of attorney form, he or she will be granting the legal authority to another individual to be able to stand in the owner's shoes; therefore he/she could act legally for the benefit of owner. In this situation, the person receiving the power of attorney is called attorney-in-fact. Contrary to many people's belief, the person doesn't have to be a lawyer in order to be the recipient.
In many occasions, power of attorney forms are very useful and popular among those who are especially interested in their own asset distribution or inheritance. The forms also can be used to give an authority to someone else to sign particular documents in case you are not able to be present but your signatures are required.
There are few different types of power of attorney forms, such as unlimited power of attorney, limited one and durable unlimited one. Among them there is one called durable limited power of attorney. With this form, you are providing for a limited grant of authority to another individual for very specific reasons. You are designating a person to act for you in a particular occasion, in a very specific manner and you can actually limit the activity that the person will perform. Therefore there are a lot more details described in the document and certainly there will be a limitation.
But this legal form and the contents inside will remain effective even though you become disabled or incapacitated, thus allowing the assigned person to act on your behalf in case of your losing ability. Your attorney-in-fact can keep the authority that is already given through the document and remain valid even if the power is limited. In order for this to be complete, the both parties' names and addresses should be clearly written on the document and signatures are required at the time of signing. Also there should be a full detailed descriptions and outlines of work area described on the document. Usually the owner's signature should be notarized and two other witnesses will be accompanied when the document is complete. In that case, the person who will receive the document is not eligible for being one of the witnesses.
If you are considering of appointing your attorney-in-fact, then you can download Power of Attorney Forms. It is used to protect your own assets and specify legal rights towards your assets after your absence.
For more information about legal documents, go to Free Legal Forms site, where you can find many free legal forms and resources including living trust forms that you can use to help secure your own company and assets.


1. They like to file frivolous lawsuits.
Wrong. Filing a medical malpractice lawsuit in New York is downright difficult. A lawyer must first conduct a thorough investigation of the facts and then have all the medical records reviewed by a medical expert. Only after the expert has confirmed evidence of wrongdoing; that the wrongdoing caused injury; and that the injury is significant, can the attorney go forward and file suit.
Remember, nobody likes a frivolous lawsuit. It's bad for the lawyer, the client, the doctors, and the Court system. While there may always be differences of opinion about what happened and who is responsible for the victim's injuries, a New York Medical Malpractice lawyer is ethically prohibited from filing a lawsuit that has no merit. Besides, who wants to waste thousands of hours of their time prosecuting a case that has no merit, and spent countless amounts of money to pursue a case that doesn't belong in the Court system?
2. They sue everyone who saw the patient, even if there's no reason.
Most of the time, this is incorrect. A lawyer is ethically bound to sue only those individuals who can be directly linked to the client's injuries. Sometimes, after reading a hospital record it appears as if nurses and health care providers participated in the events that led to the client's injuries. In those cases it may be necessary to name people in the lawsuit that might be peripherally involved.
Once it becomes clear during the course of the lawsuit that certain individuals had nothing to do with the malpractice or causing injury, the patient's lawyer is likely to dismiss that person from the lawsuit- either after they have given testimony or shortly before trial.
3. They get 1/3 to 1/2 of the settlement or verdict as their fee.
Wrong. In New York the fee is less than that. In a medical malpractice case, the lawyer's fee is based on a sliding scale which is set by law. It is less than 1/3. In fact, the lawyer's fee only starts at 30% and decreases as the amount we recover for our client increases. This sliding scale has been in effect in New York since 1985, and benefits the injured client, not the lawyer.
This is how a New York malpractice lawyer calculates his fee:
(1) The expenses that the lawyer has laid out to prosecute your case gets reimbursed to the lawyer from the total settlement amount.
(2) Of the remaining amount, the lawyer's fee is calculated.
If your award is anywhere from $1 to $250,000, the lawyer's fee is only 30% of that amount.
If you are awarded anywhere from $250,001-$500,000, the lawyer's fee on that segment of the award drops now to 25%.
If you are awarded anywhere from $500,001-$750,000, the lawyer's fee for that segment drops again to 20%.
This drop in the attorney's fee continues until you achieve over $1.25 Million. Anything over $1.25 million, the attorney's fee remains at only 10%.
This fee is significantly different than in a case involving a car accident or a trip and fall. In those 'negligence' cases, the lawyer's fee in New York State is 1/3 of your award, after the expenses have been repaid to the law firm.
4. They hate doctors and hospitals.
Wrong. Most malpractice attorneys recognize that most physicians and hospital staff work hard at what they do and appreciate the patients they treat. The problems arise with those few physicians who don't practice medicine in accordance with the standards of their specialty. It's those few bad apples that are careless and cause harm to patients.
Remember, lawyers are people too. They need physicians and hospitals too, and rely on their expertise when they are ill.
5. They are responsible for increases in health care costs and the premiums that doctors pay for their malpractice insurance.
Wrong. There are many studies that have been published by well-educated and well-credentialed folks who have consistently stated that increased premiums for medical malpractice insurance have little to do with the lawyers who file malpractice lawsuits. In fact, I just read an article where Anthony Bonomo, the Chief Executive Officer of PRI - Physicians Reciprocal Insurance Company (one of two major malpractice insurance companies here in New York), confirmed that lawsuits have little to do with the rise in malpractice premiums that doctors must pay for their medical malpractice insurance policies.
Some physicians argue that they practice 'defensive medicine' in order to run tests the patient doesn't really need. They also argue that running all these tests will prevent some lawyer from later claiming that certain tests should have been done to check for medical conditions that were never considered by the doctor.
The problem with this argument is that lawyers don't dictate what treatment patients should get. The physician should be smart enough to know what possible conditions the patient may be suffering from, and order those tests that will either confirm, or rule out those possible medical problems. If the doctor doesn't know enough about the patient's condition, then he should be referring the patient to a specialist, or calling in other doctors to consult about this problem.
If you want to look at why health care costs have increased, one need only look at the compensation that health insurance executives receive and question why they are paid millions of dollars per year.
6. They're looking for a quick settlement to squeeze money from the insurance company.
False. There is no malpractice insurance company in New York that would permit themselves to be taken advantage of. The insurance companies in New York that represent doctors and hospitals hire some of the best and brightest trial lawyers in the state to represent them from the initial stages of a lawsuit all the way through trial and appeals.
Importantly, the insurance company would never allow an attorney to squeeze them for a 'quick settlement'. It simply doesn't happen. In fact, most malpractice cases here in New York are resolved only shortly before or during trial. A lawyer that thinks a malpractice claim will be resolved immediately after filing the lawsuit is naïve, and not experienced with New York malpractice claims.
7. They can settle a case without the client's consent.
Wrong. In New York, the client must consent and agree to any settlement. If the client does not agree to the settlement, then the case continues forward. A lawyer is prohibited ethically and morally from settling a medical malpractice or injury lawsuit without their client's consent.
In fact, when a lawsuit is settled, it is best done in open court, 'on the record', where a record is made of the terms of the settlement. If the settlement is done privately, there are specific legal requirements that must be set forth in the papers confirming the settlement. Otherwise, one party may have difficulty enforcing the settlement.
8. They can settle a case involving an infant if the parent consents to the settlement.
Wrong again. In New York State, any case involving an infant (a child under the age of 18 years) must be supervised and overseen by the trial court. If a settlement is agreed upon by the parties in the lawsuit, the lawyer representing the injured infant must now apply to the trial court for permission to settle that case.
The lawyer is required to explain to the judge why he believes the settlement amount is appropriate and show to the judge medical evidence of the child's injuries and evidence that the injuries are resolved or will get better over time. If the lawyer cannot support the claim that the settlement is appropriate, the trial judge will not approve the settlement, and the case will continue, regardless of the parent's belief that the settlement is a good one.
9. They take any case that walks in the door.
Wrong. It does not benefit a lawyer to accept a medical malpractice case that has little monetary value or little merit. The malpractice lawyer works just as hard on a large case as he does on a small one. The amount of money and time spent to prosecute medical malpractice cases are enormous.
These types of cases are unlike car accident cases or slip and fall cases which are must simpler to prosecute. Lawyers who regularly handle medical malpractice cases here in New York typically reject 98 out of 100 cases that walk in the door. Out of those one or two cases that are accepted for investigation, most are rejected after being reviewed by a physician. This is the screening process that good malpractice lawyers use to evaluate a case.
10. They like to go to trial.
This is often true! A New York medical malpractice lawyer must have sufficient knowledge and experience to go to trial and take a verdict if the insurance company refuses to settle the case. In that instance the lawyer has no alternative but to present his case to a jury so that a panel of impartial folks can determine whether their claims are true. If true, the jury will decide how much to award to the injured victim.
A lawyer who takes a case solely to try and obtain a settlement does the client no justice. The lawyer must be prepared from the outset to go to trial. This is the only way to achieve the best possible result for the injured client. If the insurance company knows that the lawyer is afraid to go to trial, they stand a much better chance of taking advantage of this fact and low-balling the settlement negotiations and staying low.
When a case goes to trial, it means that both sides run the risk of losing. The question always is which side is going to blink first and recognize that settling the case is a better business decision than a jury verdict that could far outstrip what they felt the case was worth.
Gerry Oginski is an experienced New York medical malpractice and personal injury trial attorney and practices exclusively in the State of New York. He has tirelessly represented injured victims in all types of medical malpractice and injury cases in the last 19 years. As a solo practitioner he is able to devote 100% of his time to each individual client. A client is never a file number in his office.
Take a look at Gerry's website http://www.oginski-law.com and read his free special reports on malpractice and accident law. Read actual testimony of real doctors in medical malpractice cases. Learn answers to your legal questions. We have over 200 FAQs to the most interesting legal questions. Read about his success stories. Read the latest injury and malpractice news. I guarantee there's something for you.http://www.oginski-law.com 516-487-8207
Also, take a look at Gerry's FREE NY Medical Malpractice video tutorials at http://medicalmalpracticetutorial.blogspot.com