Categorized | Opinion

Legal Tips

By David Peel

David PeelAs an attorney who speaks at all kind of events, one of the questions I frequently get is about legal tips that I know to do that the average person may not. Here are a few that might help you or a friend. As always, more articles like this are on my blog and website.
THE “POOR MAN’S DISABILITY POLICY”: As a working person, you have a 2 out of 3 chance of being disabled for 6 months during your working life.  Six months with no income? How would you make it?  If you have a disability policy, either through work or personally through a company like AFLAC, you will be fine.
After the first couple months, it usually pays benefits. These benefits are usually designed just to pay the bills you really have to, like the light bill, till you get back on your feet. But what if you don’t have a disability policy?
The so-called “poor man’s disability policy” is a simple, but brilliant, idea I ran across years ago.
Each month, pay more into your utility bill than you owe, and build up a credit. Let’s say that your bill varies throughout the year from $375 to $575 depending on use and temperatures. If you budget say, $600 a month, by the end of four seasons, you should have at least 3 months of utilities paid up in advance. Then, if you were unable to work and had no income, you could go at least 3 months without a utility bill and not be cut off!
Some folk’s do this with their other bills and notes as well. Of course, it is also worth looking at buying a disability policy, but evening out bills is better than nothing.
TAKE PHOTOS OR VIDEOS: If someone falls at your home, or you are involved in a wreck, or you hit a mailbox, record it. If there are witnesses, get their information. This all can make it harder for them to change the facts later after they “misremember.”
GET IT IN WRITING: You have heard this all your life. Get it in writing. “An oral contract is not worth the paper it’s printed on,” is a well-known joke. Like all good jokes, there is truth to it. While oral contracts can, in fact, be enforced at times, getting the deal on paper accurately while everyone still agrees is worth the effort. Adding to that, the lost art of letter writing (or even good emails) is useful to revive. Written confirmations stop a lot of misunderstandings before they begin.
Peel seeks justice for those injured in car accidents, work place incidents, medical malpractice, and nursing homes. He often addresses churches, clubs and groups without charge. Peel may be reached through wherein other articles may be accessed.
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June 2015
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