When your or a family member has been injured in a car wreck because someone else was negligent or worse – criminally reckless like a drunk driver – having a skilled, experienced, dedicated and caring attorney is key. Having a Montana accident injury attorney and law firm – a solid team – that only advocates for you and folks like you, and not the other side on the other days of the week, is also critically important. Getting in a car wreck in Montana, caused by someone acting like an idiot – can cause all kind of mayhem in your life – medical expenses, lost earnings, inability to engage in activities you enjoy, pain, not being able to sleep at night; it can get downright depressing. Yes, I have been through it as the injured person in the car wreck, the victim of negligence and the insurance company and their profit motives. My experience with the people from the company that advertises about their “good hands” and what happens with the mayhem – has helped make me the advocate for the injured and an attorney dedicated to fight those folks every day. We don’t work from the insurance companies and their minions – only the injured folks. Even before I was injured in a car wreck, and then had to hire my own personal injury attorney to deal with the insurance company, I knew the auto insurance companies were not all they claimed to be. My experience in reality was more bitter and educational than I would have liked, as the insurer denied responsibility, and I was compelled ultimately to file suit and proceed with litigation to get justice. However, once you have been run through the insurance company grist mill as they grind up injured people to increase their profits with the delay, deny, defend tactics – it becomes clear that many insurers are at war with the injured in order to increase profits.
The battle rages against justice by many of the big insurance companies, not just in each claim, but at the Legislature and in the courts. Insurance companies have lobbyists writing legislation to make it easier for them to make more money, deprive the injured of just compensation, and the benefit of the bargain in their insurance contracts. The Montana Supreme Court has to decided cases frequently to interpret the laws passed at the Legislature regarding auto insurance carriers. These insurer lobbyist created bills passed by the Legislature, including anti-stacking legislation, are designed to help the insurance companies make more money by paying less on claims. You will probably recognize the names of the insurance companies in these cases. We don’t take cases from the insurance companies to defend the wrong doers – just the injured people. We don’t defend the insurance companies. However, many of these lawyers that work for the insurance companies actually file lawsuits against the injured people. This is called a Declaratory Judgment action – where your own insurance company sues you. Can you believe it? You suffer a devastating injury in a motor vehicle wreck, or you get run over – literally – and your insurance company sues YOU! Yes, insurance companies can and do file lawsuits against their own insured customers to ask the Court to declare that they are not underinsured or are not covered! This is called a Declaratory Judgment action, and I have seen insurance companies sue injured folks – to ask the Court to declare there is no coverage. Can you imagine that – you get hurt and make a claim to recover for your losses under your policy, and the insurance company adds insult to injury by suing YOU. They do this so that they can not only deny payment, but to try to get the upper hand in the litigation they fight against you to try to prevent you getting the benefit of your insurance policy (that they wrote). We only represent the injured person and their family – not the insurance company. This sets us apart from some other local and Montana law firms that advertise on the internet to represent you in injury claims.
Experienced and skilled attorneys that represent (only) injured person – and who do not represent the insurance companies and defend them on the other days of the week and hours of the day – can help get your the results and fair treatment you deserve and have a dedication and commitment that cannot be matched by the fair weather injury attorneys. We identify with your concerns and problems, not those of the claims adjusters and the insurance companies that hire defense attorneys. When it comes the insurance companies and personal injury battles, an injured person is best served by an attorney that does not have a conflict of conscience about going after the insurance companies and holding them accountable. Consumers need a lawyer that works for consumers every day, not the insurance companies half the week and then represents the “other side” – the consumers and victims of the insurance companies on the other days.
At Bliven Law Firm, P.C., Kalispell Montana, we do not have divided loyalties, or conflicts regarding who we represent – we only represent the injured, sick, and the disabled. We represent consumers – not the insurance companies – or their customers that cause the wreck and hurt innocent people. Unlike some of our “competitors” who advertise for injury cases from consumers on attorney websites and lawyer websites to represent the injured – but also or usually take work from the insurance companies (and sometimes even advertise their experience working for the insurance companies as being useful experience) – we don’t work for insurance companies – ever. We find that to be contrary to our mission, which is to represent and assist innocent victims of motor vehicle wrecks, and other injuries caused by the negligence and bad acts of others. Can you imagine Darth Vader getting in a X-wing fighter and getting in formation to help Luke Skywalker attack the ‘Death Star’ known as Big Insurance Company? Sounds ridiculous doesn’t it? In our opinion, lawyers that help insurance companies deprive injured folks of just compensation and defend the insurance companies (and or those who cause the injuries one day), and then say they are going to go all out for injured party in a different case are just as ridiculous. Make no mistake, insurance is big, big business in the United States, and the insurance companies have huge profits at stake – even in claims in Montana.
When injured because of someone else’s negligence, we urge you to hire a Trial Lawyer, not an insurance DEFENSE trial lawyer that works for insurance companies. Before you call an attorney about your injury case to get help, check out their website, phone book ad or other media presence to find out whether they believe in helping innocent victims of injuries, that they actually believe you should obtain just and fair compensation, as all injury victims should receive. If they do insurance defense work, we submit such lawyers are not the best choice to represent you and care for your needs when you are injured and suffer loss.
Television advertising for auto insurance is so frequent that it would be helpful if it contained more useful and helpful information. While saving you money is so frequently the theme, some commercials actually do talk about getting the right coverage, sometimes even discussing the help of an agent. How many of those ads discuss the need for good uninsured motorist coverage or underinsured motorist coverage? When was the last time you saw a commercial that discussed the need for underinsured motorist coverage? Have you ever seen one? When was the last ad you saw that talked about medical payments coverage? Again, have you ever seen one? Why is this?
Uninsured motorist coverage, and underinsured motorist coverage are some of the most critical coverage a person can buy to protect their family, but it appears to be neglected in the advertising. It certainly appears that it not popular enough with customers or a big enough concern among consumers that the insurance companies find it worthy to advertise on the subject. Montana is a state with a small enough population, that the big companies do not seem to be worried about reaching out to Montana consumers in their ad campaigns, or even particularly concerned about running afoul of our law when it comes to advertising. Our Unfair Claims Practices statute – Montana Code Annotated 33-18-201 – as interpreted by the Montana Supreme Court – places burdens on insurers to make an effort to live up the advertising
33-18-201. Unfair claim settlement practices prohibited. A person may not, with such frequency as to indicate a general business practice, do any of the following:
(8) attempt to settle a claim for less than the amount to which a reasonable person would have believed the person was entitled by reference to written or printed advertising material accompanying or made part of an application
If you insurance company has not lived up to its advertising in how it has addressed or handled your injury claim (or your family) arising from a motor vehicle wreck, contacting a Montana attorney that emphasis personal injury law, notably insurance and motor vehicle injury cases is the right decision.
The time to find out that you do not have enough of the right kind of auto insurance is not after having a wreck where you or your family are injured because of the negligence or reckless conduct of an uninsured, or underinsured, drunk driver. Insurance coverage has to be in place before the crash, wreck or other loss. If you are injured in a car wreck and find out that the at fault driver has no insurance, or simply not enough to address the medical expenses and lost wages, much less other damages, it is like being injured all over again. As the Montana Supreme Court so eloquently stated in the Ridley decision:
One of the most significant obligations that innocent victims of automobile accidents incur and for which mandatory liability insurance laws were enacted, is the obligation to pay the costs of medical treatment. If the insurer has no obligation to pay those expenses in a timely fashion, even though liability is reasonably clear, then the protection provided by Montana’s mandatory liability laws would be of little value.
Medical expenses from even minor injuries can be devastating to a family of average income. The inability to pay them can damage credit and, as alleged in this case, sometimes preclude adequate treatment and recovery from the very injuries caused. Just as importantly, the financial stress of being unable to pay medical expenses can lead to the ill-advised settlement of other legitimate claims in order to secure a benefit to which an innocent victim of an automobile accident is clearly entitled. We conclude that this is not what was intended by the Montana Legislature when mandatory liability insurance laws and unfair claims practice laws were enacted.
Ridley v. Guaranty National Insurance Company, 951 P.2d 987 (Mont. 1997)
– See more at: http://caselaw.findlaw.com/mt-supreme-court/1453789.html#sthash.Doyr5aOV.dpuf
However, many people believe that they have “full coverage” and will have enough insurance for the loss. When folks come into the office after a car wreck and tell us they have “full coverage” the prudent response on our part is to ask them if they have a copy of the declaration sheet, the “dec page” that shows the coverages. While having collision and comprehensive coverage can be helpful and are certainly advisable on most policies – the bodily injury limits, medical payments coverage, uninsured motorist coverage, and underinsured motorist coverage ultimately often have more to do with a good outcome. This is because the ability to pay medical bills and recover for lost earnings are far more important in the longer term – and often the short term – than the coverage to pay to have a vehicle repaired.
If your agent did not properly advise you about under-insured or uninsured motorist coverage, did your agent live up to the advertising of the insurance company? Some large insurers run advertising, and have run advertising touting how helpful an agent is and the company is at making sure you the right coverage. They advertise that agents can help make sure you don’t have gaps in coverage or not enough coverage. If you suffered a loss and your agent did not do so, or if the insurance company changed your coverage without your permission or knowledge, contact us. We seek to hold insurers accountable and live up to their promises in their advertising to their insureds, the customers that pay the premiums.
After over twenty years in the practice of law, I have not filed a single medical malpractice claim or pursued a claim against a doctor or health care professional for professional negligence. Why is this, since many attorneys that represent injured folks in motor vehicle injury claims and other injury claims also do medical malpractice claims?
Folks in health care fields dedicate their lives to helping the injured, sick and disabled. So have I in the practice of law. It would be contrary to our mission, and that of Bliven Law Firm, P.C., to pursue medical malpractice claims. I did not become an attorney to sue doctors – quite the contrary. My family is composed largely of medical professionals and counselors. At our office, at Bliven Law Firm, P.C., we work with doctors (medical doctors, osteopathic physicians, doctors of chiropractic, nurses, physical therapists, occupational therapists, massage therapists and other health care professionals) to assist our clients in their recovery from their injuries and other losses. A big part of representing injured folks when they are injured in a car wreck is getting their medical bills paid. We work to get the bills paid, so clients can get their treatment and get better.
Here in the Kalispell, in the heart of Flathead County and the Flathead Valley, as in other places in Montana, sometimes hospitals, hospital administrators, and even doctors see attorneys who represent injured people – personal injury attorneys – as an enemy – or perhaps a nuisance at best. Among hospital administrators, and even physicians and their staff, “trial lawyers” are not usually popular. We are used to being viewed with suspicion, and frankly, sometimes just flat out hostility. This occurs even when we have never met or had any contact with the office or provider. Unfortunately, because of what some of our colleagues have done and do, suspicion or concern is not entirely unwarranted in general. As they say, one rotten apple spoils the bushel. Physicians spent a great deal of time and energy practicing “defensive medicine” because they are concerned about getting sued for doing what they believe is right and in the interests of their patient, but something goes wrong. I understand. Medicine is an art as well as a science. Sometimes physicians and therapists doing everything correctly, as they are trained and their experience teaches them is the right approach, but patients don’t get better or have bad outcomes. A bad outcome does not mean the doctor or other health care professional did something wrong, and bad outcomes happen sometimes, even when the provider gave the best care possible. Some lawyers spend a considerable amount of their time and energy suing doctors and other health care professionals, others don’t bother to think about the providers concerns or issues. At Bliven Law Firm, P.C., we do not file medical malpractice claims – doctors, nurses and other health care professionals are our allies and friends – not the enemy or a target.Do physicians or other health care professionals make mistakes that contribute to unfavorable outcomes? Everyone makes a mistake at some point in their life, but even those errors do not mean they are below the “standard of care” or are irresponsible.
How do I know this? I grew up in a home where helping others with our careers was held out as a goal to aspire – and my brother is a family practice physician, one sister is a psychiatric nurse, and the other is a counselor. My mother was a nurse and my father a lawyer, then a judge. He taught me many lessons, including how to work with physicians to help clients in a professional and cooperative manner. Not all physicians and nurses are as highly trained, compassionate, dedicated and hard working as my brother and sister, but I believe most are, or try to be. I have great respect and admiration for my brother and sisters in the work they have done for patients, and sacrifices they have made to be care providers, and to continue to do so. Even my wife is a health care professional, and I have learned much from her, and with her while she did her professional education.
In over twenty years of representing the injured, sick and disabled, and working with physicians and other health care professionals – I have learned a few things about how the practice of medicine works, and the challenges health care providers face. Being a health care professional is challenging and demanding, and requires not just a great deal of education, but many skills and qualities. Generally folks enter these professions because they want to use their talents to help others. Unfortunately the economics of health care delivery has an impact on providers, who generally spend far more time than they wish on administration and paperwork, as opposed to the patient care they trained to do. I have also learned a great deal from talking to my family about these issues over the years. Most health care professionals have very long courses of study (physicians have at least 8 years of college, and then often 4-8 years of training in residency after medical school), high work loads, high stress, and tremendous demands placed upon them by the demands of patient care as well as administrative and other requirements. Physical therapists currently also generally earn a Doctor of Physical Therapy (DPT) degree, and have four years of physical therapy school after college. Many who do not have a DPT, who were educated under the former programs did more course work and hours than a PhD or even some current DPT programs even though they were granted a masters degree in physical therapy, an MSPT. If health care professionals are in private practice, they generally have the headaches of being involved in patient care and all those demands, and on top of it, have to try to run a business. Even those not in “private practice,” but working for the VA or some other agency, are still working to provide health care services to patients in a challenging environment in one form or another, such as the paperwork and the administration. I am very sensitive to these concerns and issues, and do what I can to facilitate care, communication and minimize the impact on them in seeking their opinions which are necessary to establish that treatment is necessary and related to the injury, accident or work exposure.
What sometimes is lost on providers in the system is the dramatic impact on the patient that the opinions expressed by a provider can have on the patient – often just as important as the care rendered. When an attending physician declares an injured worker at maximum medical improvement – MMI – the impact on the patient is dramatic in terms of the care they will (or not) receive, and the impact on their other benefits and life. This is one of many issues which cannot be addressed in detail here, perhaps another time on this blog.
When I practiced law in Oregon (and still do), or when seeking medical opinions outside our immediate area, I enjoy and benefit from talking to and meeting with doctors to discuss their patients I represent, and how best to help them. Communication and cooperation with the provider in the interests of the patient is to the benefit of all involved.This is common in the practice in many areas, but has become circumscribed in our area in the past few years. I miss this dialog and coordination to help patients, and it is frustrating that they are being prevented from speaking to us about their patients. We hope that someday this will be allowed again in this area so patient/clients needs can be served, and the innocent victims of other people’s negligence can get the care they need, while those services timely and appropriately paid. If you are a health care professional treating one of our clients, we welcome your phone call, or other communication.
— Michael A. Bliven
Billings Fire Battalion Chief Terry Larson, reported on Wednesday, that two framing subcontractors were injured while setting trusses on the future Comfort Suites on Wednesday.
According to Larson, high winds were to blame. One man fall approximately 40 feet down an elevator shaft and another fell 15 feet down the same shaft before hitting the third floor of the building.
The 32 mph gust reached up to 45 mph according the NWS’ airport-based observation equipment. Often there is little difference between the speed of stronger winds on the Rims and in the areas below. For more information on the event, please visit the Missoulian.
If you or someone you know has been injured at work, please contact the offices of Bliven Law Firm, P.C., a Montana law firm, with a practice focused and dedicated to Montana Workers Compensation claims. Montana is a no-fault workers compensation state. Injured Montana workers are entitled to medical benefits, wage loss benefits, partial disability and permanent disability benefits, depending on the facts of the claim. Insurance companies frequently dispute claims and deny benefits to Montana injured workers.
The Montana licensed attorneys of Bliven Law Firm, P.C., have helped thousands of workers compensation clients, from Kalispell, Billings, Glendive, Whitefish, Columbia Falls, Lakeside, Missoula, Helena, Great Falls, Butte, Bozeman and other Montana cities, receive benefits that insurance companies otherwise denied. We aggressively represent Montana Workers Compensation clients and help them receive benefits that they deserve.
Outsourcing the payroll services offers businesses a valuable and attractive alternative to internally manage the payroll. Payroll outsourcing saves the time of the employees spend in payroll calculation, preparing management reports and checks and determining tax compliance. Services offered by payroll firms include direct deposit of checks, envelope stuffing, and automated signatures. In addition to that, other functions like retirement plans which allows the employees to automatically designate deductions from their pays.
Errors become more prolific with the constant changes in the tax regulations. Payroll Company offers the services to file federal and state payroll taxes for the business. This eases the issue of knowing the filing deadlines, payroll software version, table taxes, deposit requirements, government forms, or the latest tax code.
As per the IRS, each year forty percent of the small businesses pay penalties for incorrect or late payments and filings. A tax guarantee is offered by many payroll providers to avoid this which ensures that the customers will not incur any penalty because the provider takes the responsibility of the fine that can occur. This money-savings justifies the benefit of outsourcing the payroll operation. But it should be kept in mind that though the payroll company takes the responsibility of the penalties, but is not liable for the interest charges.
Leveraging the skills of the payroll firm can lessen the time-consuming procedure of managing payroll by the employees. Outsourcing can also free the time of staff to pursue important revenue-generating and value-added activities. In fact, the outsourcing payroll was identified as a No.1 task for small businesses by the Inc. magazine. Because it is a time-taking and complicated activity, thus removing the burden allow the employees to pay attention to other productive items within their area of expertise.
Payroll companies offer reports such as time sheets, earning statements, expenses, payroll by the department, and the host of other reports.
Among other things, payroll services may include from determining the withholding taxes and wages of the employee to deducting the employee-contributed payments and updating sick and vacation pay for the benefits. In general, payrolling in-house costs double compared to outsourcing payroll. The need of hiring a full-time manager for payroll is eliminated by hiring the outside service. The free up the time of staff can then be utilized on the other aspects of the business.
With the outside services, a call is simply made to the payroll company, giving them the hours, salary amount of the employees, and deductions, and the company processes the employees’ checks. Many services allow updating the information on employee payroll on their websites.
Accuracy and Compliance
Payroll companies know that they have to do the accurate job if want to keep the business. As they are updated with the new tax rules and laws regarding the employee payroll. There are a complex array of federal and state obligations entails in the payroll function. Payroll firm saves money on the legal fees, and compliance is put in the hands of the business that knows these legal issues very well.
When injured on the job, or in a car wreck, sometimes injured folks are not able to return to their past work, because it is too heavy or otherwise too physically demanding. Sometimes folks have permanent impairment from a work injury, occupational disease, or other injury, that makes many kinds of work no longer something they can do or sustain. When the past work or trade was skilled and high paying, and the person cannot go back, it can be devastating the injured person and their family. Retraining can help many of these folks obtain skills that will help them make as much or more in a new field, to enter a career that pays as well or more than past work, and has better long term prospects with less risk of injury. This challenge is something many folks are not prepared to face, and need guidance. Also, advanced education is not as accessible or as affordable as it could be. With the impending slow down of high paying jobs in the Baaken oil patch in eastern Montana and western North Dakota, the value of job skills and training are likely to be as important as ever.
The production in North Dakota and eastern Montana continues, but the sector is vulnerable. Much of the industry is working hard to keep the production going in the Bakken and the jobs alive:
Many Montana residents have been injured in motor vehicle wrecks, truck wrecks, and industrial accidents and injuries in the Bakken, both in Montana and North Dakota. Many Montana residents have been injured in North Dakota while working for Montana employers, covered by Montana workers’ compensation coverage. These injuries often take the worker out of high paying work. If they cannot go back to the oil fields and those high paying jobs, the question becomes, what is next? Education and training are often the best answer.
However, of the expenses a family incurs that have risen far more than the cost of inflation – higher education and medical expenses have been prominent. Over the past 20 years, the costs of college education, especially at private universities, and health care, have been increasing so fast that they have frequently been in the news. When someone suffers a significant injury in a car accident, regardless of the settlement, the insurance company does not provide or recommend a vocational counselor, or give career and rehabilitation planning advice. They don’t have an interest in the rehabilitation of the injured person, or have the links and roots in the community to vocational and educational resources. This is one of the many ways a local personal injury and workers’ compensation law firm can be of assistance to the innocent victim of someone else’s negligence. At Bliven Law Firm, P.C., we a Kalispell, Montana injury law firm, that represents injured folks against the insurance companies and their lawyers. We are Montana personal injury and accident attorneys that represent the injured, every day of the week, not the insurance companies – not ever.
We represent injured workers in workers’ compensation claims, not employers or insurers – not ever.
In Montana workers’s compensation claims, vocational retraining is sometimes offered by the workers’ compensation carrier – and often not offered at all – as one has to prove a significant amount of disability and a “handicap to employment” under the statute, MCA 39-71-1006. Rehabilitation benefits.
“(1) A worker is eligible for rehabilitation benefits if:
(a) (i) the worker meets the definition of a disabled worker as provided in 39-71-1011; or
(ii) the worker has, as a result of the work-related injury, a whole person impairment rating of 15% or greater, as established by objective medical findings, and has no actual wage loss;
(b) a rehabilitation provider, as designated by the insurer, certifies that the worker has reasonable vocational goals and reasonable reemployment opportunity. If eligible because of an impairment rating of 15% or more, with rehabilitation the worker will have a reasonable increase in the worker’s wage compared to the wage that the worker received at the time of injury. If eligible because of a wage loss, the worker will have a reasonable reduction in the worker’s actual wage loss with rehabilitation.
(c) a rehabilitation plan is agreed upon by the worker and the insurer and a written copy of the plan is provided to the worker. The plan must take into consideration the worker’s age, education, training, work history, residual physical capacities, and vocational interests. The plan must specify a beginning date and a completion date. The plan must specify the cost of tuition, fees, books, and other reasonable and necessary retraining expenses required to complete the plan.”
In our experience, when a plan is offered by the insurer and their vocational counselor, it is often a minimal plan, designed as much (or more) to minimize the cost to the insurer as it is to assist the injured worker. The vocational and rehabilitation counselor the insurer chooses – as the insurer gets generally to choose under Montana law – has the difficult task of developing a plan that will assist the worker get into another job within the worker’s capacities, but also a plan the claims adjuster that hired them will approve. Therefore, even when retraining is offered by the insurer, the program or benefits are too often do not fully take advantage of the remedies available under Montana law – or as helpful as they could be. It often requires a committed and knowledgeable injured workers’ attorney to seek and retain a vocational rehabilitation specialist to evaluate the injured worker’s limitations and a develop a suitable retraining program. At Bliven Law Firm, P.C., we find it often necessary to consult or retain an independent vocational rehabilitation specialist to evaluate and develop the plan the insurer retained vocational counselor should do. Often, that program involves a proposal for retraining at our local community college, or another program in Montana.
Under Montana law, when an worker has a compensable on the job injury or disease, and they suffer a wage loss as, they can qualify for up to 104 weeks of training.
“(2) A disabled worker is entitled to receive biweekly rehabilitation benefits at the worker’s temporary total disability rate. The benefits must be paid for the period specified in the rehabilitation plan, not to exceed 104 weeks. The rehabilitation plan must be completed within 26 weeks of the completion date specified in the plan. Rehabilitation benefits must be paid biweekly while the worker is satisfactorily progressing in the agreed-upon rehabilitation plan. Rehabilitation benefits payable pursuant to a retraining rehabilitation plan under this section are not payable in a lump sum. Rehabilitation benefits may be paid in a lump sum for job placement services.
(3) In addition to rehabilitation benefits payable under subsection (2), a disabled worker who was injured on or after July 1, 1997, is entitled to receive payment for tuition, fees, books, and other reasonable and necessary retraining expenses, excluding travel and living expenses paid pursuant to the provisions of 39-71-1025, as set forth in department rules and as specified in the rehabilitation plan. Expenses must be paid directly by the insurer.
(4) A worker may not receive temporary total benefits and the benefits under subsection (2) during the same period of time.
(5) A rehabilitation provider authorized by the insurer shall continue to assist the injured worker until the rehabilitation plan is completed.
(6) To be eligible for benefits under this section, a worker is required to begin the rehabilitation plan within 78 weeks of reaching maximum medical healing.
(7) A worker may not receive both wages and rehabilitation benefits without the written consent of the insurer. A worker who receives both wages and rehabilitation benefits without written consent of the insurer is guilty of theft and may be prosecuted under 45-6-301.”
Qualifying is difficult, and getting real vocational assistance is a challenge. Unfortunately, many injured workers are not aware of the potential for vocational rehabilitation, and insurers and the vocational experts they hire do not make such programs available. Likewise, absent advice, someone recovering from injuries in a car wreck may not see the opportunity to go back to school and use this setback as an opportunity to obtain education and skills that will benefit them for the rest of their work life. Another critical factors is that college education remains affordable and accessible at FVCC and similar institutions. http://www.cnn.com/2014/11/20/living/ivory-tower-community-colleges/
We are fortunate in the Flathead Valley to have an excellent college in Flathead Valley Community College, providing excellent educational opportunities at costs far below even public universities, and our college has many professional training programs, as well as the occupational trades. http://www.fvcc.edu/academics/academic-programs.html
Given the pull of the Bakken oil field in eastern Montana and western North Dakota as a source of high paying entry level work, and the improved economy, the enrollment at the college has gone down recently over what it was at the height of the recession. However, given the crash in the price of crude oil per barrel in the past few months, that situation may be changing. As of December 28, 2014, prices had fallen to $54 per barrel, which makes much of the recent oil development in the United State and Alberta. The high paying entry level jobs driving employment in our region may be slowing – or grinding to a halt in the near future.
The challenges to full enrollment at many of the universities and colleges in the region may be coming to end, as the employment situation may be changing very soon. When looking at long term employment in high paying skilled work, education will always be a good investment, especially for younger workers. However, even non-traditional students and those who have been in the work force for 20 years often find returning to college and updating their occupational skills, or even learning a whole new trade or professional skill to be a worthwhile investment that pays many fold over the years in increased earning capacity.
One of the most successful and prominent parts of FVCC has been its growth in the health sciences and allied health professions, bolstered by the completion of the new Broussard Center for Nursing and Health Sciences. http://www.fvcc.edu/2014/10/fvccs-night-broussard-center-showcase-health-care-career-options/
The college has many other technical and science fields, as well as trades. Many local employers partner with the college to hire graduates of these programs.
When resolving an injury case, or workers’ compensation case, we counsel clients to consider taking the “lemons” given to them by the injury – including the disruption to employment and their physical capacities – and considering “making lemonade.” This can be an opportunity to go back to college, or go to college for the first time, and gain valuable skills and certifications for work in a field with long term and steady employment prospects, including the health sciences and skilled trades.
Flathead Valley Community College has degree programs – that can be completed in two years (104 weeks) or less – in many areas that prepare graduates for careers in fields where they can earn a living wage, and many of these careers are in the health sciences, such as nursing, surgical technician, physical therapy assistant. Other fields, such as the occupational trades, Department of Transportation (DOT) commercial drivers license and hazardous materials handling (HAZMAT). While the times change, so do the programs, as regional community colleges are usually more responsive to changes in economic conditions and employer needs for skilled workers than many four year colleges.At Bliven Law Firm, P.C., we do more than just get the case resolved. We believe getting the medical bills and lost wages addressed, and obtaining fair settlements for our clients is not all we are about. In the course of our representation, we seek to provide clients with advice to assist them get not just appropriate treatment, but also vocational and other resources so that they can better their lives and recover as much as possible from the injury. We respect our clients to make their own decisions about how to recover and proceed, but we do offer guidance and advice to assist them in these and related areas, as we not just attorneys at law, but also counselors at law. We often refer clients to vocational and educational resources so as well to assist them in the transition and recovery process. We are willing to advance costs for such evaluations, when appropriate, for vocational and other evaluations so that we can fully advocate for our clients and their needs. This is part of the dedication to our clients.
When choosing a law firm to assist you after a work injury or car wreck, or other injury (or a disability claim), one of the many considerations is whether or not the firm represents insurance companies and employers most of the time, but then takes cases from the injured person when it happens to not be from one the the insurance companies or employers where they get most of their work. In short, they play for either or any team as opportunity presents itself, like some of the law firms in our area that advertise on the internet, or the phone book for injury cases. Can such a law firm really dedicate themselves fully and wholeheartedly to working for you, when they work of the insurance companies and the “bad guys” most of the time? Is their heart really in it when they take a case for an injured person, when in fact they are really defense trial lawyers who spend most of their time defending wrong doers, insurance companies and trying to defeat fair compensation to the injured, sick and disabled? At Bliven Law Firm, P.C., we are Montana Trial Lawyers (MTLA), members of the American Association of Justice (AAJ), and the National Organization of Social Security Claimant’s Representatives (NOSSCR), who have dedicated our adult work lives to representing and helping the injured, sick, and disabled. Whether you retain our firm or not, we recommend that you seek help from a law firm dedicated to fighting every day for the injured – not the insurance companies, large self-insured employers, and their friends.
We believe that a team of lawyers and staff committed to representing the injured, sick and disabled, with experience in these complimentary areas of law – and working with medical and rehabilitation professionals to assist us and our clients, provides our clients with the best possible representation and assistance. This has been our commitment, and will continue to be at Bliven Law Firm, P.C.
We have recently had the usual dangerous winter driving conditions in Kalispell, Whitefish, Columbia Falls and other areas of Flathead County, Flathead valley, and surrounding areas, such as Lincoln County (Libby, Eureka), Lake County (Polson, Ronan, Mission Valley), Sanders County (Plains, Thompson Falls), Mineral County (St. Regis, Superior), and Glacier County (Browning, Cut Bank). The November ice rain, snow and ice gave way to December ice rain, snow, ice, fog and and other dangerous conditions -particularly in northwest Montana – as Flathead County sits on the west slope of the Swan Range of the Rocky Mountains. While one of the most beautiful places in the world, our weather can make driving more treacherous than it appears, even to local residents. The variable conditions can catch drivers off guard. Reference to local media shows us the dangers out on our roads, and sadly fatal car crashes are simply too common:
In all of Montana we have many injuries in car wrecks. Factors that contribute to the high rate of injury crashes include a unique combination: high travel speeds, bad weather, challenging road conditions, and drunk driving – drunk driving that is unfortunately among the highest rates in the country. According to the latest statistics available in a recent article linked below, Montana ranks second worst,with only North Dakota, our neighbor to the east, with higher (worse) rates:
Drunk driving deaths per 100,000: 9.0
Total DUI arrests: 4,418 (9th lowest)
Beer consumption per capita: 41.0 gallons (3rd highest)
Pct. of minors consuming alcohol: 29.7% (7th highest)
pct. of binge drinkers: 19.2% (17th highest)
“Montana was among the states with the highest youth consumption of alcohol and the highest rates of binge drinking among underage residents. Sadly, for every 100,000 people in the state, 3.8 underage residents were killed in drunk driving accidents, second highest in the country. Montana residents, on average, drank 41 gallons of beer per capita, more than all but two other states — North Dakota and New Hampshire. Nearly 20% of minors said they engaged in binge drinking over the prior 30 days, sixth highest in the country. In total, 19.2% of state residents said they engaged in binge drinking over the previous month, among the highest percentages in the country.”
Read more: States With the Most Drunk Driving – 24/7 Wall St. http://247wallst.com/special-report/2014/04/25/states-with-the-most-drunk-driving/#ixzz3N9Vwi3gO
Kalispell, Columbia Falls, Whitefish and the other areas around Whitefish Mountain Resort (formerly known as Big Mountain, as it is still known to most local residents) and Glacier Park are beautiful and provide winter recreation second to none. However, local residents and visitors must always be mindful of the conditions and dangers on our roads. Many of the visitors to the area find our road system that has struggled to keep up with population growth continue to be a challenge. While we look forward to the completion of the US Highway 93 bypass, and we have had significant upgrades to our local infrastructure in the past few years, we still are behind in terms of the infrastructure to handle the amount of traffic as our population grows and the number of visitors to Glacier National Park continues to set records. This creates conditions that are dangerous for local residents and our visitors from other states – as well as Alberta, British Columbia, the rest of Canada. While many of our visitors are from states like Minnesota, Illinois, Wisconsin, the Pacific Northwest and other regions that see much snow and ice, we also have a large number of visitors each year from places like Texas, Arizona and California that do not. Car wrecks that occur even at low speeds can result in serious injuries – despite what insurance claims adjusters – and the “biomechanics experts” and insurance defense attorneys they hire to defend their denials of fair compensation for these injuries say.
At this time of year, snow tires (whether with studs or similar), and careful driving are highly recommended. The use of seat belts at all times is also essential. The failure to utilize a seat belt and ejection from the vehicle are factors in many fatal car wrecks. Wearing a seat belt is a critical and well established way to reduce fatal injuries, regardless of the cause of motor vehicle crashes. Another factor to consider is the time of day or night – at this time of year in particular given holiday parties – staying off the roads after midnight and recognizing that between 1 a.m. and 3 a.m. that a rather significant percentage of drivers on the road that have been drinking – makes staying at home (or at the hotel etc.) a good decision.
One winter driving danger that folks do not consider – in addition to driving without adequate or appropriate tires, awareness of conditions, not using seat belts – is driving (or being a passenger) without adequate insurance coverage.
We have a high rate of uninsured and underinsured drivers in Montana. “Defensive driving” as far as we concerned, also includes carrying substantial uninsured and underinsured motorist coverage to protect your family and passengers from irresponsible drivers on the roads. Underinsured motors coverage is some of the least expensive, and most critical coverage one can purchase. I have seen underinsured motorist coverage of $100,000 for $21 per year. The most challenging part of underinsured motorist coverage is asking for it from your agent or the insurance company, and making sure everyone is covered under the policy you believe is covered under the policy. “Full coverage” means that you have enough insurance and kind of insurance to meet your needs. This includes having substantial med pay coverage, uninsured and underinsured motorist coverage. A good agent will strongly recommend adequate uninsured and underinsured motorist coverage, even insist on it or require you to sign an acknowledgment and waiver if you decline it, or simply decline to write an inadequate policy. An agent should write the policy coverages and sell you a policy with adequate coverage that considers your potential expenses and potential lost earning capacity, among other factors. However, if buying a policy online or over the phone in a few minutes, it requires that the consumer be aware and seek the coverage, or even seek it from a different company if not offered. This is a lot to ask of the consumer, and buyer beware. Of the ways to save money on an auto policy, skipping underinsured motorist coverage is not the way. A better approach would be to increase the deductible for collision or comprehensive coverage. Please also make sure that everyone who lives in your home is listed on the insurance policy, family member or not, so that the insurance company does not have that as a basis to try to deny coverage.
At Bliven Law Firm, P.C., the attorneys are happy to answer questions about your auto insurance converge, including reviewing your policy, and we counsel clients about getting coverage that will address their situation and needs to help protect their family in the event of a motor vehicle crash that results in injuries.
At Bliven Law Firm, P.C., we emphasize representing the insured, sick and disabled. Whether a car wreck, other injury, workers’ compensation injury, or disability claim, we have the skill, experience and dedication to assist you and your family. We are located in Kalispell, Flathead County, Montana, in the heart of the Flathead Valley. We are a law firm the represents the innocent victims injured by the negligence and wrongful conduct of others. We do not represent the insurance companies – or the wrong doers. We are firmly rooted in the community, and we are here to serve you.
Navitas Naturals©, the Superfood Company™, today announced an expansion of its voluntary and precautionary recall to include additional expiration dates of products containing Organic Sprouted Chia Powder, due to the possible presence of Salmonella.
“Based on investigations by FDA and California Department of Public Health, one of our suppliers Health Matters America Inc. has expanded their recall of Chia products. As a result, we are expanding our voluntary recall to include a broader date range of products. Our business depends on providing safe and healthy food and we will not take chances with our consumer’s wellbeing. Because of this priority, in an abundance of caution, we have deliberately and voluntarily expanded this recall” stated Zach Adelman, Chief Executive Officer of Navitas Naturals. Based on information from CDC we are not aware of any reported illnesses associated with the products included in this expanded date range.
The affected products were distributed nationally and include:
- Navitas Naturals Organic Sprouted Chia Powder, 8oz, UPC 858847000369 all best by dates up to and including 11/22/2015
- Navitas Naturals Omega Blend Sprouted Smoothie Mix, 8oz, UPC 858847000314 all best by dates up to and including 11/05/2015
Williams-Sonoma Omega 3 Smoothie Mixer, 8 oz, SKU 506436 all best by dates up to and including OC 2015
No other Navitas Naturals products are affected by this recall.
“We are continuing to work hand-in-hand with the FDA and California Department of Public Health. We take our responsibility to consumers very seriously and we are taking immediate actions within our supply chain and with our own quality assurance protocols to ensure this does not happen again” stated Adelman.
Consumers who have purchased either of these products are urged to not eat the products, and to dispose of them or return them to the store where they were originally purchased.
Salmonella is an organism that can cause serious and sometimes fatal infections in young children elderly people, and others with weakened immune systems. Healthy persons infected with Salmonella often experience fever, diarrhea, nausea, vomiting and abdominal pain. In rare circumstances, infection with Salmonella can result in the organism getting into the bloodstream and producing more severe illnesses.
Customers with questions or who would like product replacements or refunds may contact (406) 755-6828.
Kalispell attorneys, Bliven Law Firm, P.C., represent injured victims of Salmonella poisoning. If you or someone you know has been sick because of Salmonella or other bacteria from recalled food products, or food borne illness contact the attorneys at Bliven Law Firm, P.C. for a free case evaluation. You may be entitled to payment of wage loss, medical expenses and other damages for food borne illness damages.
Authorities are reporting a teenage girl died in a single car accident in Butte on Thursday.
The Butte car accident occurred outside of highway 2 near the top of Pipestone Pass.
“The vehicle was traveling at what I believe to be a fairly high rate of speed for that road,” Klapan said. The driver was not wearing a seatbelt.
The Butte teen was driving westbound on the road when the vehicle crossed the eastbound lane and went off the left side of the road, causing the vehicle to become airborne. The vehicle rotated three-quarter times, landed no its front and overturned, coming to a stop on its roof. The vehicle burst into flames upon impact, according to MHP.
Speed was a factor. It is unknown if alcohol was involved. More information is available here.
If you or someone you know has been seriously injured in a car accident, you may be entitled to recover damages. The attorneys at Bliven Law Firm, P.C. represent victims of car accidents in Montana.
Bliven Law Firm, P.C. is a full service Montana law firm with lawyers dedicated to car accidents, wrongful death, head injuries and other serious injuries. Our attorneys fight for car accident victims throughout the state of Montana, including, Whitefish, Lakeside, Butte, Kalispell, Columbia Falls, Missoula, Butte, Bozeman, Sydney and Billings.
For a free consultation, please visit our website or call (406) 755-6828.
WASHINGTON, June 18, 2013 – National Beef Packing Co., a Liberal, Kan., establishment, is recalling approximately 22,737 pounds of raw ground beef products that may be contaminated with E. coli O157:H7, the U.S. Department of Agriculture’s Food Safety and Inspection Service (FSIS) announced today.
The following products are subject to recall:
• 10 lb. packages of “National Beef” 80/20 Coarse Ground Chuck, package code “0481.”
• 10 lb. packages of “National Beef” 81/19 Coarse Ground Beef, package code “0421.”
• 10 lb. packages of “National Beef” 80/20 Fine Ground Chuck, package code “0484.”
All these products have a “USE BY/SELL BY DATE” of June 14, 2013, and bear the establishment number “EST. 208A” inside the USDA mark of inspection. The products were produced on May 25, 2013, and shipped to various institutions and retail establishments in Texas, Tennessee, Kansas, Mississippi, Illinois, Georgia, Kentucky, Louisiana, Oklahoma, Missouri, Arkansas, and Arizona. FSIS and the establishment are concerned that some product may be frozen and in shoppers’ freezers.
The problem was discovered through routine FSIS monitoring which confirmed a positive result for E.coli O157:H7. An investigation determined the firm was the sole supplier of the source materials used to produce the positive product. FSIS and the company have received no reports of illnesses associated with consumption of these products.
FSIS routinely conducts recall effectiveness checks to verify recalling firms notify their customers of the recall and that steps are taken to make certain that the product is no longer available to consumers. When available, the retail distribution list(s) will be posted on the FSIS website at: http://www.fsis.usda.gov/recalls.