Several Reasons Why You Are Always Broke

There are several reasons why people are broke. Here is my short list of reasons why people are broke and will continuously be broke. Your attitude towards money began when you were a child. You had great instructors and in most cases, they were your parents. Remember the axiom “from the root to the fruit?” Usually the fruit does not fall far from the tree, meaning that you are usually a product of your parents thinking. Sound Familiar?

Instead of waiting for your fate to magically change. You may want to take a serious look at all the things you are doing that may be contributing to your financial despondencies. That’s right. Everything may actually be your own doing. Here are several known motives why people find themselves broke. You may recognize a few of them. If you follow some of the advice I am about to share with you, in time you will be able to dig yourself out of the hole you dug for yourself.

Many people have crutches that hold them back in life. Some people smoke, drink, eat tons of fast food and don’t run unless they are being chased by a rabid dog. So maybe your health is not so great, but at least you are having a great time. Chances are, your finances aren’t in good shape either. In most cases, bad habits are a big financial drain on your pocket book and there is nothing great about that at all. As a matter of fact, most people that I have come in contact with have many crutches they are depended upon. No one wants to admit they are suffering from multiple addictions. One thing that I am cognizant of is that if people can give up their personal crutches and extinguish their bad habits they can amass large amounts of money in short periods of time.

Just think about it for a second, a pack of cigarettes costs $8.00 on average and that comes out close to $2,900 a year on a pack-a-day smoking habit. Now, as for alcohol, even restrained drinking can add up. Just think of it, two glasses of wine a day can run you over $1,500 a year, and that calculation is based on consuming the cheap stuff at home. If you are a bar drinker and you prefer Bordeaux, you are paying a whole lot more. Wow! And you complain that you don’t have money to go anywhere. I wonder why.

Another reason why people go broke would be that they try so desperately to keep up with the Joneses and don’t realize in most cases that the Joneses are living a lie. Just because someone is driving a new car or is wearing an expensive gold watch doesn’t mean that they are high rollers. Many people are living off credit cards. 70% of the people in the United States are living well over their head. The IRS states that only 5% of the American people are financially independent. That means that 95% of the American people are faking it. You should never try to live a lifestyle you cannot afford.

Instead of purchasing a new vehicle you might want to check out other options like purchasing a used vehicle in excellent condition. No one will know if it is a new vehicle or not, unless you tell them. The raw reality of it all would be that no one truly cares about you anyway. Lets’ put my theory to the test. I want you to go outside every day for a month and ask everyone that you know or passes by to help you pay off your mortgage and vehicle loan. At the end of the month I want you to count the small change you have collected. You will find out what I already know. You will be no closer to paying of your home or vehicle or anything else for that matter. You may have enough to purchase a couple cheese burgers at the golden arches. Now, if you are trying to purchase a home, you may want to put down 20% and keep your monthly payment below 30% of your gross income. The golden rule when purchasing a home would be to own the home and not allow the home to own you. Don’t become a prisoner of your home due to trying to keep up with the Joneses.

Do you have more month at the end of your paycheck? Are you taking care of an entourage that is not taking care of you? It is time for you to take a good look at the people you surround yourself with. Are you hanging around the wrong crowd? Didn’t your mother use to tell you about hanging around the wrong crowd? I know my mother did. She use to tell me repeatedly “birds of a feather flock together” and she was right. I learned the hard way by hanging with the wrong people and yes, it did lead to trouble. The funny thing about what my mother told me back then still applies to me today. You have to be very careful of the people you surround yourself with. Everyone does not wish you well. You have gold-diggers, leeches, and other parasites out there that will latch on to you and strip your wallet or purse clean without leaving prints. They will come around empty handed and help you drink up, eat up, and spend up your money until it is all gone and once everything is gone, you will find no trace of them until the next time they sense you have something they want or need. They never seem to come around when they have money. Anytime you seen them, they have a tall tale to tell.

You have to make a list and check it twice, for you have to find out who’s been naughty or nice. You must shun the parasites in your life. There comes a time in everyone’s life to where they have to become cognizant of where they stand. They must take out the trash and know that they will be better off for doing so. You must become disciplined if you stand any chance of negating any bad habits you formed while surrounding yourself by the wrong crowd. Let me be the first to tell you. It will not be an easy road to follow, but it is surely probable.

I know that many people dread hearing about watching TV too much, but if you are watching TV too much you may want to pay close attention to this segment of this article. I get it, there is nothing like coming home from work and kicking off your shoes, getting comfortable on the couch, and cutting on the TV. But if you are falling behind on your financial obligations you may want to re-evaluate your comfort commitments with your TV set and make some major changes to your life-style obligations. Research found that 77% of those struggling financially spent more than an hour watching TV and 74% spent more than an hour surfing the internet for fun. Conversely, the majority of wealthy individuals spend their time engaging in self-development activities, getting involved in alterative income producing endeavors, and/or follow paths of their dreams that could very well lead to hefty financial rewards.

Whatever you do, don’t let laziness, uncertainty, or fear keep you from reaching for the stars. Taking baby steps is better than not taking any steps at all when it comes to producing an alternative stream of income. If you have a spare room in your home, you may want to entertain the possibility of renting that room out to make ends meet.

I am sure your parents badgered you about how important it was to get an education. I hate to be a bearer of bad news, but they are right. I found out from experience long ago that your income can’t surpass your knowledge. Oops! I let the cat out the bag. Lets’ compare life time earnings between a typical high school graduate and a typical college graduate with a bachelor’s degree. I am sure you will agree that the statistics are bewildering. Over a 40-year career, a worker with a bachelor’s will earn $1 million more than a worker with just a public high school diploma. This is not a misprint. $2.42 million versus $1.37 million, according to the U.S. Census Bureau projections. If you have a master’s degree, it bumps you up to $2.80 million. That is one world of a difference, wouldn’t you agree!

Please keep in mind that going back to school does not guarantee a bigger paycheck, but it sure does not hurt to do so. If you do decide to go back to school, you will want to be cognizant of how much student loan debt you amass. A good practice that you will want to follow would be controlling the student loan amount borrowed. You will not want to borrow any more than you expect to earn in your first year of work.

There are several other reasons why you are always broke but I did mention that this was my short list. Just know that it is possible to turn it all around if you put your mind, heart, and soul into it.

Posted in Uncategorized | Comments Off on Several Reasons Why You Are Always Broke

What You Need To Know When Hiring Debt Collectors

Personally recovering debts can be a tedious process whether you are an individual or a company. On the other hand, you really can’t ignore debtors otherwise you stand to make the losses that can cost your financial position. Third party collection agencies are designed to make the debt collection process a lot easier. When you use the professionals, you do not have to face your debtors and experience awkward moments especially if you have close relations. You however, should know what you are getting yourself into when you set out to hire the collectors.

They free up your resources and time. This is one of the advantages of choosing to use professionals to recover your money. Truth is collecting debts can be time consuming, especially for individuals and small businesses. It is something that would need making lots of calls and arranging meetings to try reach payment agreements. Some may even decide to avoid you at all costs. When you get a third party to do the work on your behalf, you end up freeing time and resources and at the end of the day your chances of recovering are high.

They have tools you may not have to make the process more efficient. It is easy for you to lose touch with your debtors. The professionals have advanced tools you may not have to help them locate and also communicate with the debtors. They can easily be granted access to debtor information from third party sources and use advanced telephone technologies to find them.

They know how to collect where you can’t. The professionals know how to approach the debtors so they hook them and compel them to start repaying what they owe you. Even though delinquent debtors may not be responsive to your efforts, when a third party interjects and remains assertive and consistent it is highly likely that they will feel obligated to do what it right. The professionals have what it takes to deal with even the most stubborn of debtors and will keep insisting until they start giving in.

They could affect client relations. This is especially the case when you choose a collector who does not have good communication skills and does whatever it takes to recover the debts. Considering that some debtors may have genuine financial reasons making it harder for them to repay, they may end up looking for business elsewhere when they are harassed or rudely handled by your representative once they pay up. It is therefore important to choose debt collectors who are professional enough to maintain your client relations even as they try to help you recover what is owed to you.

They may charge hefty fees. Most collection agencies will charge a considerable percentage of what gets recovered. The percent can be quite high depending on the type of debt they are dealing with. It helps to look at references, referrals and return on investment as well when choosing your agency so you still enjoy great value from the services offered.

Posted in Uncategorized | Comments Off on What You Need To Know When Hiring Debt Collectors

Eliminate Debt in Six Steps and Plan for Your Future

Many Americans are in debt. Car loans, credit cards and student loans are the three most common offenders that linger in many family budgets. If you find yourself in this situation, you are not alone. Many American households are currently living paycheck to paycheck with no end in sight. This amount of debt is unacceptable in the world’s richest country. Something has to change as people continue to slip further in debt and their children watch and learn these bad behaviors.

Good spending habits are easy to explain. Do not spend more money than you earn. This allows you to keep debt at bay and out of your life. Many people probably would not own a car if there were no such process as a car loan. We have taught ourselves that borrowing money is the only way to survive. When we discuss loans, many people say that they have no problem with taking on multiple loans to fund their lifestyle. This contradicts the idea of spending less than you earn. Just because you can incrementally pay for an item along with the interest does not mean you can afford the item. You are essentially renting the item from the lender and you paying them for assuming the risk of loaning you money. This makes them rich while you continue to stay in debt.

People with good spending habits do not borrow money, they save what they earn, then make decisions to write checks for things that fit into their budget. This philosophy allows even the most modest earner to save for a long retirement. Think how much money you could save if you had no loans to repay to a lender, even including your mortgage. Once you achieve financial freedom, you can begin saving for retirement very quickly because the portion of your budget previously reserved for loan repayments can now go towards investment accounts, which helps you get ahead.

Over the past 20 years, I have developed a simple but effective plan that eliminates debt in a six-step approach that allows you to take over your spending habits and focus on debt elimination. If followed correctly, you should be able to eliminate the majority of your debt excluding your mortgage well within 30 months. This is not a very long time considering the average car loan is for over 48 months.

Step 1 is to build a budget. This sounds easy but many people have not sat down and built a budget to explain where every dollar they make is spent. In fact, if you were to ask a few people what their total monthly expenses amount to, they would probably have to begin by writing it on paper. Every household needs to follow a strict budget that is transparent and enforced. I bet the company you work for has a budget. I also bet your employer knows how much their monthly expenses are. This is because they do not want to default on any payments and your household should be ran the same way. Take the 30 minutes and write out an itemized budget.

Building your budget achieves three main goals. First, it enables you to see where you are spending money, which makes it easy to make some sound financial decisions. Next, it allows you and your spouse, if you have one, to be on the same page so you understand each other’s spending habits. This is important, you and your partner must financially unite or none of the other steps will work. Lastly, it tells you exactly how much money you have leaving your household. This information is very important leading into step 2.

Part of putting together your budget also includes eliminating extra expenses or at least putting some on hold. One that many may find difficult is the retirement accounts contribution elimination. Do not worry; this is only a temporary situation. Once everything but your home loan is paid, you will continue to contribute to your retirement accounts. It may seem risky especially if you have only a small nest egg but overall stopping these contributions allows you to throw more money at your debt, which ends the debt faster so you can contribute more to retirement later. If you were previously contributing $300 to an IRA with $30,000 in debt, after you pay off the debt, you can bump up the IRA contribution and max it out.

There are many ways to distribute the money in a monthly budget, which I will talk about later but here are a couple quick notes. Some rely on the 50, 30, 20 rule. This means to allot 50% of your budget to fixed payments such as car and home loans. The 30% goes to variable payments such as electricity and groceries and the last 20% would go to savings and investments. This strategy does not meet every household’s goals, especially when trying to pay down debt so I recommend that the numbers not be addressed until you are out of debt, excluding your mortgage. This allows you to set realistic expectations for your debt reduction timeline. Only after you have paid all the debt except the mortgage, should you use any percentage rules.

Step 2a is to create a small starter savings fund that is only for emergencies such as the car breaking down or you missing a day of work because you are sick. Different financial advisors recommend different standard amounts but I believe one set amount is not safe for every situation as some have more people in their household, which equals more liability. The numbers I recommend are $1,000 for singles, $1,500 for married and no children, then $2,000 for married with children. Again, this fund is only for unplanned events and anything outside of this small fund will have to come from the monthly budget. For many households, this alone might take a few months to build but stick with it because it is important to establish a financial buffer prior to step 3.

Step 2b is to grow and expand your income, if possible. Services like Uber and Lyft allow people to earn additional money with very little additional effort. You could also deliver pizzas, walk dogs, mow lawns or babysit in your spare time. Regardless of what you decide to do, the math tells us the more income you create, the more you can attack your debt. Filling your spare time with additional jobs makes it easier to disconnect the cable television service and lose that $150 a month bill.

Step 2c tells people that if any bills have gone to a collection agency, it is your responsibility to settle those debts and put them into your step 3, if not they will continue to haunt you and your credit score. While calling these agencies, you should know exactly what the debt was prior to any late fees. This will be your advantage when negotiating a payoff. I have seen an original $400 bill go over $900 after additional fees were added. The collection agencies buy those default accounts and try to collect whatever they can to earn a profit. If you give them $900, they will be ecstatic but you would have wasted your money. Begin the conversation by asking them the best offer to settle the bill. They will probably drop to what you originally owed but that is not their best offer. Kindly tell them you do not have that much and offer them one quarter of what you owe them. They may or may not accept it but just realize you can definitely negotiate the payoff. Also, ensure you request a signed letter stating the amount negotiated will clear the debt before you send any money. If possible, send by money order so they do not have access to your bank accounts.

Step 3 is what many people refer to as the debt snowball or sometimes the debt avalanche. You take all the debts, put them in order of lowest to highest total amount owed, and pay them off in that fashion. While doing this step, you pay only the minimums on the other higher debts and throw all additional money beyond your monthly budget at the smallest debt. I do recommend this method but I also want to save you as much money as possible so I throw a twist into this typical strategy. I also recommend mixing in what is called the laddering method. For any high interest loans, such as credit cards, payday loans or anything above the 10% range, I pay those off by highest interest rate first. This saves additional money because you avoid letting the high interest rates to linger. If you let them stay while only paying minimums it could cost you hundreds of dollars in interest. Take this example; you have a $25,000 student loan at 3% interest, a $8,000 personal loan at 9%, a $9,300 credit card loan at 28% and a $6,000 car loan at 5%. The snowball method tells you to do the car, the personal loan, the credit card and then the student loan. This will work just fine however; you will continue to pay a very high interest credit card payment, which will cost you more money because your minimum payment is probably not covering the interest that is gaining on the principal. I would recommend you attack the highest interest in this situation then revert to the snowball method. Remember; only attack the high interest items, typically credit cards and payday loans in this fashion, then continue the debt snowball method. Therefore, this example will have you pay the credit card first then the car, the personal loan, and finally the student loan.

Posted in Uncategorized | Comments Off on Eliminate Debt in Six Steps and Plan for Your Future

Monograms – Engrave Special Moments!

Special life moments require a unique type of gift. Monogram gifts make special occasions like birthdays and weddings a little more personal. A monogram is a decorative motif that uses one, two or more letters of a person’s name, usually in a fancy font. In most circumstances, the letters used are the initials of the person receiving the gift.

Monogram Styles and Arrangements

A monogram comes in many different styles and arrangements. The arrangement of the initials can vary based on the recipient of the gift being given. These are the common types of monograms that might be seen:

The initial style monogram
uses a one-letter monogram, usually a first or last initial, or the letter of a company

Block style
popularly used in three-letter monograms, letters are all the same size and width

Traditional style
typically used with names in a three-initial format, the middle letter represents the first letter of the last name and is slightly larger than the side letters which are indicative of the first and middle name

Stacked style
used best with the three-letter monograms, the first and middle initials are stacked and placed to the left of the initial of the last name

Interlocking
used with fonts that have flourishes on them, allowing the elements to touch one another

Circle monogram
a style that works best with two or three-letter monograms, letters are fit inside and in the shape of a circle

Diamond
works in the same way as the circle monogram, only the letters are enclosed in a diamond shape or take the shape of a diamond

Split-Letter
a small space overlaps the initial character, and this space can contain the entire word that the initial letter stands for

Different Ways To Monogram

Monograms can be created using the font and arrangement that fits the occasion. Many monogrammed gifts are often made by etching or engraving the monogram into the gift. An example of these is jewelry, drinking glasses, wooden keepsakes, etc.

Other ways to monogram include embroidery and vinyl decals. Many jackets or polo shirts may be emblazoned with the monogram of a company or the owner in embroidered letters. These letters can also be done in various fonts. Vinyl decals are made for items like plastic tumblers and car windows.

Why Monogram?

Monograms are a great way to make a gift personal for the recipient. Most monogram gifts are also functional, meaning that the recipient can use it instead of just sitting it on a shelf. For special occasions, using monograms provide a personal experience and shows the thought of the person giving the gift.

Posted in Uncategorized | Comments Off on Monograms – Engrave Special Moments!

5 Tips to Take Care of Your Newly Replaced Windshield

Have you just had your windshield replaced? If so, you are on the right page. In this article, we are going to share with you a couple of tips that will help you take care of your newly replaced windshield. With these tips on your mind, you can prevent further damage and save a lot of money. Without further ado, let’s take a look at 5 of the tips that you may want to consider. Read on to find out more.

Be Gentle

After you have got your windshield replaced, make sure you get at least 60 minutes before taking your car outside on the road. The thing is that the adhesive requires at least a couple of minutes to get hard and set. If you don’t give it enough time to settle down, the windshield won’t be able to fit firmly into the frame. And this can be disastrous and can have a negative impact on the structural integrity of your car.

Apart from this, it can cost you a good deal of money as you will have to spend more money to reinstall the glass. For the next 24 hours, you should be very gentle with your vehicle. In other words, you should shut the doors of your car gently and drive it on even roads.

Keep the Retention Tape in place

Although removing the retention tape won’t make your car look ugly, it plays a great role in fixing the position of the molding in addition to keeping the glass in place. Therefore, you may want to wait at least 24 to 48 hours before you drive your car just like before. Therefore, it is a good idea to leave the retention tape untouched if you want to be on the safe side.

Don’t Wash Your Car

For the next 24 hours, don’t think about a car wash. In fact, you don’t even try to wash the car yourself. Ideally, you may want to wait for at least two to three days before you take your car for a car wash. This is of paramount importance.

Keep a Window Open

The integrity of your vehicle windshield will be negatively impacted if the air pressure inside the cabin continues to build up. Therefore, we suggest that you keep at least one window open slightly. This will allow the hot air to escape the vehicle and prevent any cracks or leaks. This step is quite important if you want to equalize the pressure inside your car.

Change Your Route

If you had to replace your car windshield due to rough roads, we suggest that you take an alternate route. In other words, you may want to drive along a different route, in addition, to park it in a shady spot.

Replacing your car windshield costs a great deal of money. Therefore, you may want to get it done by a professional and follow the steps given in this article. This will help you make sure that the windshield stays in place.

Posted in Uncategorized | Comments Off on 5 Tips to Take Care of Your Newly Replaced Windshield

Common Questions About Machine Learning

In this article, we are going to talk about machine learning. We will answer a lot of common questions that most people may have on their minds. Without further ado, let’s get into details. Read on.

1. What is Machine Learning?

Machine learning is a type of (AI), aka Artificial Intelligence that empowers a system to learn and make decisions itself without being programmed. These algorithms make the computer smart enough so that it can make choices on the basis of the data it has without any human intervention. The primary aim is to make algorithms that allow a system to learn and make their own decisions in future, based on the past data.

2. Why do we need Machine Learning?

Given below are some of the reasons we use these in the here and now.

2.2. Prediction while Traveling

We all have been using GPS system while traveling in our lives. Whenever you book a cab it tells you the approximated fare and time required to reach your destination. How does your smart phone do that? The answer is machine learning! It calculates the velocities and location of our vehicles. based on this information, it even tells us if there is traffic jam on this road. The programmers did not program the computer to tell you that there is a traffic jam, but they designed a system that makes smart decisions on the basis of past and current events of people who passed by that area. Plus, it warns you about the traffic jam.

2.3. Search Engine Optimization

web search engines automatically show you the accurate results based upon your location and past searches. Programmers don’t program it to show you those results, but it gives accurate results within seconds according to your interests and recent searches.

2.4. Spam Mail Classification

In our email boxes, the system automatically classifies some emails as spam or junk mails and some mails as primary mails that could be very important for us. The system is never wrong and it is all possible with the help of these learnings.

3. Types of Machine Learning:

The basic idea of machine learning is the same for all types but it has been further divided into 3 following types:

3.1. Supervised Learning Supervised learning is one of the most popular types of machine learning and it is easy to understand and implement. In this type, the algorithm is trained on given data but and the data needs to be labelled. You allow the system to predict the data and you make corrections if the predictions it makes are not accurate enough.

3.2. Unsupervised Machine Learning

Unsupervised machine learning works without any labeled data but you have to provide a lot of data so that the system understands the properties that provide a base for the decision it has to make. This can improve the productivity in a lot of fields.

3.3. Reinforcement Learning

It is based upon trial and error methods. The system makes mistakes and learns from them in order to avoid these mistakes again. For example, in a maze, when the system fails to find a path, it won’t go on the same path again because it knows that the path doesn’t work. It labels positive outcomes and negative outcomes and runs on the basis of these outcomes.

In short, these were some of the common questions about machine learning. Hopefully, the answers to these questions will help you get a deeper insight into this field of science.

Posted in Uncategorized | Comments Off on Common Questions About Machine Learning

Coastal Beach Farmhouse Interiors

The coastal farmhouse beach home is a sanctuary of warmth, comfort and serenity, simple and understated yet alive with your creative design elements. An exciting blend of farmhouse and coastal design it mixes elements of the old world rustic charm and new clean lines, using natural reclaimed wood, earthing metal and distressed vintage furniture to give your home a clean, and earthy look. The coastal style brings elements of the water into your home and brings in the vibes of peace and tranquility. These two styles blend together to bring an earthing yet invigorating interior to your home.

This gorgeous living room with a rustic blue patina sideboard and a huge antique arch floor mirror brings in elements of the coastal farmhouse style. The stunning farmhouse old door coffee table uses reclaimed woods and studded iron, and the cool, airy translucent sheer curtains give a coastal feel to the room. Turquoise, aqua and teal pillows on a white sofa chaise gives a laid back luxurious ambiance.

The kitchen is the main focus of the house as we all love a well prepared meal and there is nothing like a family cooking together. The dining table is custom- made from old carved doors with beautiful unique detail. With eight stylistic chairs, each upholstered in different fabrics, selected individually by each family member, the uniqueness in design is quaint and exotic. Warm red paisley mixed with teal blues bring out the patina of the old woods in the table. Sheer white self checkered curtains and beach greenery brings in the coastal vibe. Stainless steel ultra modern appliances and of course the table would be incomplete without vintage glass bottles and mason jars. Shells and driftwood complete the setting.

Bring in the tranquility of the beach into your home office with these natural wood antique barndoors carved in florals and ocean waves. The office table is made from brass cladded vintage doors and the legs are painted a deep ocean blue. State of the art computers and a huge television screen hangs in front of the desk for virtual meetings. A huge magnificently detailed arched bookcase houses your collection of books, shells and driftwood while the cool watery blue and frothy white twill upholstered office chair is the coastal element. Earthy rustic armoires with vintage carved floral detail in whitewash play with the blue blown glass jar that carries a beautiful arrangement of palm fronds and pampas grass.

Posted in Uncategorized | Comments Off on Coastal Beach Farmhouse Interiors

Know Your Rights: Choose a Doctor for Your L&I Claim or Workers’ Compensation Claim

In Washington State, work injury claimants have the right to choose their doctor or attending provider (AP) for their claim. This right is part of RCW 51.36.010. Surprisingly, many people that suffer a workplace injury don’t know that they can select their own doctor. Yet, the only requirement is that the doctor or the provider must be part of the L&I Medical Provider Network (MPN).

L&I claim and your right to choose a doctor

There are many reasons for which people with an L&I claim or a workers’ compensation claim are unaware of their rights. Explicitly, the main reasons I see include:

• Not understanding how a workers’ compensation claim works. Most people never had a L&I claim They don’t know what an attending provider is, or what is their role. In fact, the attending provider has a very important role in L&I claims. This provider manages treatment, reports progress, and provides critical assessments throughout the claim. Therefore, it’s important for work injury claimants to choose a doctor or provider who will help them recover and manage their claim productively.

• Not realizing how a provider becomes their attending physician. Often, the Department of Labor and Industries (L&I) considers the provider that filed the application for benefits as the attending physician. If that provider is an urgent care provider, it’s unlikely they’ll agree to be the attending provider on the workers’ comp claim. If you had a workplace injury and treated in emergency setting, you should seek follow-up care from another doctor that will be an effective AP.

Making your own decisions in your L&I claim

In addition to the reasons above, there are other cases where work injury victims follow recommendations from others. In practice, many recommendations don’t help you choose the right provider for your claim. Such cases include:

• Being directed to a specific clinic or medical provider. Frequently, work injury claimants tell me their employer told them to see a specific doctor for initial treatment. Then, when they report their injury back at work, the employer provides the name and address of a specific medical provider or clinic for further treatment. Here, claimants are usually under the impression they can only see that provider.

• Getting referral to occupational medicine doctors from a primary care physician (PCP). Some people ask their primary care doctor for guidance after a work injury. Some PCPs are members of the MPN and can easily become the attending provider. Often, this is an ideal situation. However, when the PCP is part of a large medical group, the work injury claimant gets a referral to the “occupational medicine” division of the same group. These groups are often a L&I COHE. This practice is common at The Everett Clinic and Kaiser Permanente, among others. Yet, many folks with an L&I claim or a workers’ comp claim don’t realize they don’t have to get treatment there. Regardless of insurance, workplace injury claimants can treat with any provider in the MPN. Even if the attending doctor isn’t part of the same medical group as their primary doctor.

Changing a doctor in your L&I claim

There is no doubt that the attending provider has a critical role in a workman’s compensation claim. One key right is the ability to choose the doctor for your claim. Moreover, with some narrow exceptions, you also have the right to change the doctor for an L&I claim. Changing the attending provider is very simple. More explicitly, you can download and fill the Transfer of Care form (from the L&I website) and send it to your claim manager. As always, keep a record of all communications. This way, you can track and document your decision to designate a new provider.

Final remarks

In summary, the attending provider plays a very important role in workers’ compensation claims. And remember – people with a work injury claim have the right to choose their attending provider. Therefore, it’s important to choose a physician that’s going to focus on helping you get better and will help move the claim forward productively. Finally, if your attending physician isn’t right for you, then you have the right to switch to a different provider.

Posted in Uncategorized | Comments Off on Know Your Rights: Choose a Doctor for Your L&I Claim or Workers’ Compensation Claim