Injuries often hurt your wallet as much as they do your mind and body. The average injury requiring emergency treatment costs around $6,620, but the number can be much higher, and someone has to pay for it, but who? The answer can become complicated, as there are many types of injuries and many coverage-providers as well, but in many cases it’s more straightforward than you might expect. 1. WORKER’S COMPENSATION First, we ask our clients if they were working at the time of the accident or “on the clock,” even if they were driving. If they were, they are almost certainly entitled to workers’ compensation. Every state but Texas requires businesses with at least four employees to purchase workers’ compensation insurance. Despite this requirement, the specifics between the 49 states vary, and where you live can impact your case. 2. AUTOMOBILE INSURANCE Second, if not “on the clock,” we ask if you were injured in an auto accident. If so, in New York, No Fault insurance pays for your medical treatment whether you caused the accident or not. Treatment will be covered by the vehicle you were in at the time of the accident, or, if you were a pedestrian, the vehicle that hit you. The No Fault policy, generally speaking, has a limit of up to $50,000. No Fault will continue to pay for treatment until the policy is exhausted (treatment has reached $50,000) or a doctor assigned by the No Fault insurance carrier determines that treatment is no longer necessary. 3. HEALTH INSURANCE If the injury wasn’t caused by a car accident (or No Fault has been exhausted/denied), private health insurance (including Medicare) may be used for treating your injuries. Depending on the policy, they will cover some, most, or all of the cost. How much they pay varies significantly based on several factors, such as where you got treatment, your deductible, and what medications/treatments you may need. As stated above, coverage issues can become complicated. However, after an injury accident, the last thing you need to worry about is who is going to pay for your treatment. To avoid additional stress following an accident, give Friedman & Simon a call. Who Pays for My Injury Treatment Following an Accident?
To some, a nap is a vital part of a daily routine. To others, naps are accidents and should be avoided. Power naps — also known as “cat naps” — are short, usually around 15–20 minutes, and many believe such a tiny amount of sleep can’t be helpful. You can’t even get to the REM sleep stage. However, peer-reviewed studies show power naps can have many benefits for their minimal time investment. Here are three ways you benefit from adding a 15-minute sleep session to your daily routine. THINK CLEARER Napping is excellent for sharpening your cognitive powers. High sleep quality leads to better memory, fast response times, and mental clarity, so a power nap is perfect for fitting a little more into your schedule. But while a cat nap can sharpen your focus, a longer nap might hinder you. Long naps go through the entire sleep cycle and result in grogginess, impairing brain function for a short time. LOWER STRESS People get cranky when they’re tired. Less sleep causes aggression, emotional outbursts, and mood changes. Adequate sleep makes you feel a lot better — emotionally and physically. While power naps aren’t the solution to every problem, they can be a lifesaver in high-stress situations. Consider taking a cat nap if you’re under a tight deadline. Doing so can boost productivity and lower stress levels. LIVE LONGER Power naps help more than just the brain. They also benefit the cardiovascular system, as regular naps can lower blood pressure, which means you’re at a lower risk of a stroke or heart attack. People who don’t get enough sleep have more frequent headaches, immunological issues, and an increased appetite. Gaining weight then leads to many other health problems, so those who want to lose weight should also watch their sleep schedule. In short, fitting a power nap into your schedule regularly is a great idea. Cultures around the world take midday naps for a reason. If power naps don’t help you feel better, consider visiting a doctor. Constant exhaustion — especially insomnia — can indicate other health problems lurking. The Power of Power Napping A 15-Minute Nap Can Boost Your Mood, Happiness, and Health
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