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For many kids, picking out a costume is the best part of Halloween. Will they be a spooky witch, a wildcat, or their favorite superhero? There are so many options! But in all the fun, it can be easy for parents to overlook certain risks that Halloween costumes can pose. Here are important safety tips to remember when choosing the best Halloween costume. Look for fire-resistant costumes. Candles inside jack-o’-lanterns and other open flames are everywhere on Halloween night, so make sure your child’s costume isn’t a fire hazard. Most store-bought costumes are made from fire-resistant materials, but you should still check the labels on all costumes, wigs, and accessories. The same goes when you’re buying fabric for homemade costumes. And remember, fire-resistant is not the same as
fireproof. While fire-resistant material takes longer to burn and can be put out quickly, it can still catch fire and cause serious injuries. Remind your child to use caution around open flames and avoid costumes with flimsy, hanging components, like flowing sleeves, long skirts, and capes. Test makeup first. Halloween is a great time to have fun with face paint, and makeup is a good alternative to masks, which can obscure a child’s vision. However, a lot of costume makeup isn’t approved by the Food and Drug Administration. Before letting your child cover his face in makeup from the Halloween store, test their skin for allergic reactions by putting just a little bit on the back of their hand first. Practice prop safety. What’s a Jedi Knight without her lightsaber or a wizard without his magic wand? The right accessories can really bring a costume together,
but it’s important that props — especially weapon props, like swords, knives, or guns — are not mistaken for the real thing. Choose props that are obviously fake, with round edges made from soft, flexible material. And if your child wants to wear her Halloween costume to school or some other event, check the rules on props beforehand to avoid any trouble. Halloween is a night for ghosts and goblins to come out to play, and with these tips, your kids can safely dress up and join in the fun.
Understanding Short- and Long-Term Disability Why Claims Are Denied andWhat You Can Do
Short- and long-term disability insurance is a specific type of insurance that protects employees from loss of income in the event they are unable to work due to illness, injury, or an accident. Short- and long-term disability insurance is often provided by employers as an employment benefit. The purpose of this type of disability insurance is to make sure an employee will receive a percentage of their income if they cannot work due to sickness or a disabling injury. Unfortunately, there are unscrupulous insurance companies that write and sell short- and long- term disability policies, only to later deny valid claims. If you or someone you know has had a short- or long-term disability claim denied, call us. Just because a claim has been denied by the insurance company doesn’t mean it isn’t valid.
Most claims are denied for three reasons:
2. An investigation of your social media, conducted by the insurance company, claims to show you are not disabled. 3. A dispute of your disability based upon the policy language definition of what is required in order to be considered disabled. The insurance company will have their own attorneys work to avoid paying your disability benefits. Fleschner, Stark, Tanoos & Newlin works on a contingent-fee basis, which means we only get paid if we win your case. In other words, you have nothing to lose and everything to gain by giving us a call. We will review your policy, determine your rights, and make suggestions about the options you have available. Get the help you need TODAY! Call (812) 231-5128.
1. Insufficient/inadequate supporting medical records.
2 www.FleschnerLaw.com
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