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Major differences between NBA and Australia’s National Basketball League

The National Basketball League features the best players and basketball training in the entire world, and it dominates attention from media and fans around the world, but it’s not the only one of its kind.

It may be located on the other side of the world, and it may be often overlooked, but that’s a major mistake, as the National Basketball League features some great talent as well.

The NBL has a number of players in it that once played in the NBA, so there’s a level of familiarity that fans can enjoy. For example, Andrew Bogut played for the Sydney Kings for two seasons, but he did so after winning two NBA titles with the Golden State Warriors. So it’s clear that the NBL can attract some solid players as well.

Currently, Bryce Cotton is viewed as the best player in the NBL, as he was named league MVP in both 2018 and 2020, and led his team — the Perth Wildcats — to title wins in both 2017 and 2019. It’s actually quite impressive what Cotton has done for the team, as his impact was felt immediately. He joined the Wildcats in 2017, and they went on to win the title that very year.

And NBA fans know Cotton as well, as he had played for the Memphis Grizzlies the season before he joined the Wildcats, and was on the Phoenix Suns and Utah Jazz before that. So there’s more crossover in the NBA than many fans realize.

Sports bettors are well aware of that fact, as those who follow basketball often wager on both leagues, checking out the top Australian online casino reviews to know exactly where they can do so.

And while there are some similarities between the leagues, there are some major differences as well.

For one, the NBA has been around much longer, with its inaugural season having taken place in 1946, compared to 1979 for the NBL. There are obviously some geographical differences as well, as the two are on opposite ends of the globe, with the NBA in the United States, and the NBL in both Australia and New Zealand.

Most importantly, the way the two leagues recruit talent is vastly different. The NBA Draft is an annual event that allows the top players from college basketball and around the globe to hopefully accomplish their dreams of being invited to play in the NBA. Some players get signed as undrafted free agents, but the ones that don’t often end up in the G League, or elsewhere, such as the NBL. And, speaking of the NBL, they’re tasked with scouting and recruiting players that aren’t signed elsewhere, which can be quite a difficult task.

And while these two leagues are fairly different in terms of how they operate, they were both wise enough to suspend play until the COVID-19 pandemic calms down. In the meantime, fans are watching other sports and taking up different hobbies to bide their time, but rest assured, as soon as it all blows over, the NBA and NBL will be back in full swing.

Online Casinos and their Give Away Prizes

The number of online casinos in the market has doubled over the last few years. The trend can be attributed to advancements in technology. They have not only made it possible for companies to set up gambling sites but also easier for players to access them and play at any time. 

Due to the high competition, it is now becoming a common practice for casinos to come up with business strategies that helps them attract and retain players. Most of them adopt tactics that target the local and international markets. One of the most noticeable strategies is giving away prizes. 

What Type of Prizes? 

The nature of the prizes varies depending on the casino in question. Some choose cash, while others opt for products. However, some can also give away both monetary and non-monetary prizes. 

When it comes to non-monetary prizes, there is a wide variety of products offered by online casinos. Among the common ones include cars, motorbikes, and electronics. In the list of electronics, you are likely to find items such as laptops, smartphones, tablets, and TVs. 

Some casinos also tend to give away other unique products. For instance, some give away a bar of gold worth thousands or millions. 

The prizes are usually given in order. For example, if the number of total winners will be 20, the casino rewards the highest-ranked with the main prize in the competition. In most cases, the key prize is usually an expensive car or cash reward totaling to millions.  

How Can You Win the Prizes?

While there are many requirements for those who want to participate in the competition, there is a basic one. Each online casino requires the individual to be a registered member of the site. Thus, if you are not already gambling using their website, then you must register with them first. 

When registering, makes sure that the information you provide is accurate. Why is this important? Imagine winning one of the prizes, but when collecting it, the information on your identification card fails to match the details in your casino account. What will happen? The company will consider you a fraud, which means that you will not receive the prize.  

After becoming a member, the next step is to start playing. You can choose from the long list of games available that include judi poker online and those in the P2Play category. Winners are usually selected based on how often they play their favorite casino games. Therefore, by playing more, you stand a chance to win any of the prizes.

Just to recap, many online casinos are choosing to give away prizes as a way of attracting and retaining customers. The prizes can either be in the form of cash or goods. If you want to emerge as one of the winners, then you should play games such as those in the P2Play category more often. This will increase your chances of been noticed and getting called to pick your reward.  

What Exactly Are Carbon Dividends? Everything You Need to Know

In the US, fossil fuels still account for about 80% of energy production. The trouble is, producing and burning just one gallon of gasoline produces 24 pounds of carbon dioxide.

Historically, the presence of carbon dioxide in the atmosphere has hovered around 200-280 parts per million. In 2013, it exceeded 400 ppm and just keeps rising.

Carbon dioxide in high concentrations is dangerous for our health. But what do we do? How do we change something that is such a huge part of our society right now?

The carbon dividends proposal offers an innovative solution.

What Are Carbon Dividends?

The carbon dividends plan is an initiative proposed by the Climate Leadership Council, whose aim is to steadily lower the use of fossil fuels. To do it, they would place a fee on the carbon dioxide produced by burning fossil fuels.

They propose a starting fee of $15 per metric ton and raising it by $10 every year thereafter.

The purpose is to create awareness of the true cost of burning fossil fuels.

Where Does the Money Go?

Back to the average American.

The money would be collected and held in a Carbon Fees Trust Fund. Administrative costs would be deducted and American households would receive the rest in carbon dividends each month.

It is estimated that about 2/3 of Americans would receive more in dividends than they would pay in higher fuel prices.

Fueling the Economy

Most other climate change initiatives send the generated revenue somewhere else. For example, some would use it to fund clean energy or climate mitigation efforts.

By giving it back to the American people, it would help mitigate the higher costs of energy for them, as well as fuel the economy (pun intended). The stimulus of this money entering the economy is projected to produce 2.8 million jobs.

Clean Air for All

Back in 2013, Regional Economic Models, Inc. was commissioned to study the effects of a carbon fee and dividends plan.

Aside from economic impacts, they found that the presence of carbon dioxide in the atmosphere should diminish by 50% in only 20 years. Since the presence of carbon dioxide in the air can partially contribute to premature death, nearly 230,000 lives would be saved by cleaner air.

That’s something we can all breathe easier about.

Implementing Change

Of course, for the carbon dividends plan to work, it needs to be implemented. The Climate Citizen’s Lobby has been advocating for this type of plan for almost a decade. As expected, politicians are still arguing over what to do about climate change.

A big concern is implementing this type of a plan on a large-scale at the federal level without first trying it at the state level.

However, the bipartisan Energy Innovation and Carbon Dividend Act was introduced in the House in 2019. With support from both sides of the political aisle, a full-scale carbon fee and dividends plan could be in the works sooner than we think.

Enjoyed this article? Be sure to check back with us regularly for the latest and best of climate change news.

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Tips on Getting Through the Current Pandemic

There is a lot that you can do to get you and your family through the COVID-19 pandemic. Though no one truly knows how to prepare for something like this, there are steps that can be taken to protect you and your family from the virus…
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(image from: https://gospelnewsnetwork.org/2020/01/27/ppe-for-a-pandemic-a-guide-to-personal-protective-equipment-and-masks/)

We are currently living in a state of uncertainty and mass panic, but it does not have to stay that way. There is a lot that you can do to get you and your family through the COVID-19 pandemic that is currently hitting the whole world. Though no one truly knows how to prepare for something like this, there are steps that can be taken to protect you and your family from the virus as  much as possible.

Advice on Surviving the Current Pandemic

You have likely been flooded with tons of advice at this point. Healthcare professionals are recommending washing your hands, not touching your face, and, in many areas, are enforcing social distancing to attempt to flatten the curve of illness. It is also important to consider the following:

1. If you fall into the high risk category, then you should be engaging in as little contact with the outside world as possible. We’ve heard from many professionals that the virus isn’t lethal for most people, but is very dangerous for important segments of the population and it spreads like wildfire. If you are in this category, please do your best to avoid catching it.

2. If you fall into the lower risk group, try to avoid close contact with anyone in the high risk group. You do not want to be responsible for grandma getting sick. Even if you feel 100% fine, and symptoms have been reported as mild, you could still be an active carrier for the virus.

3. Stock up on survival food. This does not mean panic-buy everything at the store. People have already been doing so, and stores are suffering because of it. Stock up when you can on emergency survival food (non perishables), they will be useful at some point.

4. Make sure you have all other essential supplies. There is a Bug out bag guide on Raving Trends that can help you determine what the essential supplies are, and what they are used for. Remember, you do not need a two-year supply of anything so be conscientious of the rest of society when purchasing high demand foods.

5. Remember how this pandemic feels, and know that whatever comes next will likely be worse. Be prepared for anything to happen.

If you are really worried about the threat of a global pandemic, then you need to be prepared. If you are prepared, you will be able to minimize the chances that you and your loved ones get affected. This has shown to spread through interaction and human contact, so minimizing your contact with the outside world for a period of time can almost guarantee you won’t get sick (though there are unfortunate circumstances).

There are some things that you can do to decrease your likelihood of getting sick. A lot of them may seem like common sense, but given where we are right now, a refresher is not the worst thing.

• Wash your hands as often as possible. If you can, use alcohol based hand sanitizer, especially after interacting with other people. Wash your hands for at least 20 seconds with soap. If you sneeze or cough, wash your hands immediately after.
• When possible, stay away from crowded places.
• Do not touch your eyes, nose or mouth with your hands if you can avoid it. Just try not to touch your face.
• Avoid being in close contact with anyone who is sick.
• Clean and disinfect areas that you touch frequently in your home with disinfecting wipes or something similar.
• If you do have to enter a crowded area, be smart. Do not touch anyone, sanitize your carts and baskets, and encourage those who are sick to wear a face mask so they will not spread it on to others.

Prepare to Survive a More Dangerous Global Pandemic

Though by definition COVID-19 is a global pandemic, it is not yet a deadly global pandemic. If you want to be ready for a genuine pandemic, then you need to prepare beyond the normal recommendations.

If a pandemic is being spread from person to person via airborne transmission, avoid contact with the outside world. You can’t get sick if you avoid everyone else. The problem is, most people are not prepared to hunker down for more than a few days. So, when a deadly pandemic does occur, you will have no choice but to interact with the outside world to get the equipment and supplies you need to survive.

Though they have been mocked in the past, people who take part in prepping are better off right now. It may not guarantee that you are completely out of harm’s way, but it can help offer peace of mind that if anything truly catastrophic happened, you are reasonably prepared. Being properly prepared means that you need to cover your basic survival needs as laid out by the survival rule of three. Make sure you have water access and some food stockpiled.

There is not much we can do at this point to completely avoid COVID-19, but there are steps that can be taken to protect you and your family. Stay safe out there, everyone. And please remember to wash your hands!

We are happy to present this collaborative post to offer valuable information to our readers.

Know the Facts: What is Considered a Disability Under Employment Laws?

Have you ever questioned what the disability laws are? The American With Disabilities Act (ADA) is a law that protects people who have disabilities from being discriminated against… CONTINUE READING >> 

Have you ever questioned what the disability laws are?

The American With Disabilities Act (ADA) is a law that protects people who have disabilities from being discriminated against. The ADA also protects discrimination against people with disabilities who are in public accommodations, transportation, and state/local government services.

Are you or someone you know working with a legal disability? Do you know what is considered a disability under the ADA? Here are the facts.

Disability Discrimination

If an employer that is covered under the Americans with Disabilities Act treats a qualified employee with a disability unfavorably, this can be a violation of the law.

The law enforces that the employer must provide reasonable accommodation to the employee or job applicant unless it creates “an undue” hardship to the employer (causing significant difficulty to get the job done or considerable expense to the employer).

Situations that are considered illegal if an employer were to take negative actions solely based on an individuals disability would include:

• Termination
• Hiring
• Payscale
• Promotions
• Training
• Fringe benefits
• Job Assignments
• Layoff
• Benefits
• Leave

Any other term or condition that falls under employment law would be reviewed and taken into account.

Employers That Cover ADA

Job discrimination is considered illegal under ADA if the employer is:

• A privately owned employer
• Local government and state government
• Employment agencies
• Labor unions

The ADA also enforces rules set by the Equal Employment Opportunity Commission (EEOC).

These rules state that employers with 25 or more employees are covered by the law (after July 26, 1992). Then, later was changed to employers with 15 or more employees (after July 26, 1994).

What is a Reasonable Accommodation?

A reasonable accommodation is any adjustment or change to the work field or space that would allow a qualified employer to participate in any job function.

Reasonable accommodation may include:

• Job restructuring
• Modifying work schedules or part-time work instead of full-time work
• Reassigning a vacant position within the company
• Making the workspace accessible using ramps or other devices
• Modifying training materials, policies or adjusting examinations
This is a requirement by an entity or employer that is covered under ADA.

Can Employers Ask Questions About My Disability or Require a Medical Examination?

The answer is no. The employer does not have the right to point out or ask if you have any disabilities.

However, an employer may ask you if you can perform the specific duties of the job without reasonable accommodation. The employer can ask how you will be able to perform the job with reasonable accommodation.

What is Considered a Disability?

A disability can be considered a wide range of impairments. Some of the most common disabilities include:

• Deafness
• Cancer
• Epilepsy
• Diabetes
• Mobility Impairment
• Cerebral Palsy
• Bipolar disorder
• Schizophrenia
• Missing limbs
• Multiple Sclerosis

The ADA gives specific guidance on what’s not considered an impairment. The following are not considered an impairment:

• Kleptomania
• Transvestism
• Homosexuality
• Exhibitionism
• Pedophilia
• Voyeurism
• Personality Traits
• Exhibitionism
• Bisexuality
• Transgenderism

Check the ADA website to check for all regulations as to what is and isn’t considered a disability.

What Do I Do If I’m Being Discriminated Against?

If you have what is considered a disability and feel you are being discriminated against, gather as much information about your situation and contact any EEOC field office in your area.

They can give you more information on how to file a charge of discrimination. You’ll also want to find an attorney that specializes in disability discrimination lawsuits. If the employer is found at fault, you may be eligible for reinstatement, back pay, or reassignment of duties.

Did this article help you? If so, make sure you check out the rest of the site.

We are happy to present this collaborative post to offer valuable information to our readers.

Zwift, The Treadmill Running App You Can Take With You

Are you one of those individuals that constantly finds yourself on the road? Maybe you travel for work, maybe you just like to travel, or maybe you are constantly visiting friends and family out of state. 

Whatever the situation is, there is no denying that traveling can make things tough. It might be fun and enjoyable at times, but it makes taking care of yourself more difficult. Not only in terms of hygiene, but in terms of fitness as well. 

You combine this with all the eating on the go and it will be easy to see how one could easily get out of shape. Well, this doesn’t have to be the case anymore because there is a new on the go fitness app called Zwift and now Zwift is available for runners because they have now made their app compatible with treadmills with their latest product, the Zwift treadmill footpods.

The good thing is, you no longer have to own a Zwift treadmill just to get started. With their foot pods you can get started on any treadmill at any gym.

What Is Zwift?

Zwift is a revolutionary new working and gaming app that is going to transform the way you are working out. Whether you haven’t been working or slacking off, this app is going to completely change everything for you. 

Not only will it make your workout funner, but it is going to make them more effective. Simply put, Zwift is where it is at when it comes to fitness. 

All that aside, Zwift really isn’t something that is all that new. In fact, it was founded and released in 2014 as a massive multiplayer online game focused solely through cycling with indoor exercise bikes, not yet available for treadmill runners.

The game allowed players to cycle through 7 different virtual worlds. It was available on devices like PC, iOS, and Android.

Regardless to say, the thing was an instant hit. It wasn’t long before the app started gaining major recognition. By 2018 the number had risen to more than half a million. And, this is why the company decided to extend the app to include running so that people could use Zwift with their treadmills at home. 

The Zwift treadmill app is still in beta, but it sure is looking more than promising to be a huge success with indoor treadmill runners. Zwift’s treadmill running programs were specifically designed by elite coaches from around the world to ensure that you become the best version of yourself possible. It was designed to remove the guesswork. And, the best part is that you can customize it to your specific fitness level. Are you a fast runner? Are you a slow treadmill walker? Or anything in between? Zwift has got you covered.

It doesn’t matter if you are just starting or have been running for years, Zwift is going to make the entire process all that more exciting. While the app is still in beta, it pretty much has everything covered.

Maybe you are prepping for an upcoming 5k. No problem, because the app has that covered. It gives you the option to go at it alone or join a group as you run in the real world while you watch your avatar make its way through the virtual world. The worlds are designed to keep you engaged while talking you through varying environments.

You can explore everything from jungles to just sprinting along the countryside. Whatever your pleasure is, Zwift has you covered. 

Excited? Wondering how to get started and what you need?

Do I Need A Zwift Treadmill? Or Does It Work With Any Treadmill?

This is where things get kind of confusing, but not to worry because everything will be broken down for you here. The short answer to this question is yes, but the best answer would probably be no. What exactly does this mean? Well, it means that Zwift will work with any treadmill.

However, you will not get 100% compatibility. This means that you won’t be privy to all the awesome features. You simply won’t get the best experience possible if you do not have a Zwift compatible treadmill, but you can still use the app and still enjoy most of its features. And, while just a fraction of Zwift is awesome, if you want to experience it to the fullest, you will want to take advantage of everything that it has to offer.

Now, this doesn’t necessarily mean that you have to run out and buy a new treadmill or a treadmill at all. You will, however, need to purchase a small device known as a foot pod. Footpods are small devices that allow you to measure and broadcast your speed, cadence, and distance.

These devices can sync up with your Zwift app via Bluetooth. Foot pods have also been around for some time now, but the newer versions are the ones that will calibrate with this app.

There is one slight disadvantage and that disadvantage is the inaccuracy. If you simply change running shoes, you will need to recalibrate. You will also need to ensure that the pod is attached in the same position every time you run.

Why Is Zwift Good For People Who Travel?

Simply put, Zwift is good for anyone, but it is especially good for the constant traveler. And, the main reason for this is because it is so versatile. You can literally take it with you anywhere. Connect anywhere, monitor your results anywhere, get inspired anywhere, and best of all, you can use it anywhere. You can even use it indoors on a treadmill if you choose to do so. In fact, Zwift will make indoor training all that much funner and exciting. The foot pod sends all the data from an accelerometer to the app.

As mentioned above, Zwift was designed by some of the most knowledgeable running coaches in the world. They got together and came up with a fitness plan and routines to help beginners from long time runners to improve on what they already know. With Zwift, there will be no more excuses. You can literally carry the entire setup in one small travel bag, purse, or briefcase.

In addition to this, Zwift allows you to lose yourself. It doesn’t matter how far away you are from your family or what kind of day you’ve had, Zwift will virtually transfer you to environments of your choosing. 

What Do I Need To Get Started With Zwift?

So, right now you are probably pretty excited and raring to go. This is a good thing, as you should be. However, you won’t be able to just run out there and get started. There are some things that you are going to need to do and get in check beforehand.

Luckily, there isn’t too much that you need to get started. And, when you have everything in hand, it won’t be hard or take you long at all to get set up. As you have probably already guessed, you are going to need the app first and foremost.

After this, you are going to need foot pods. Once you have the app and the foot pods, it will be as simple as syncing the two devices together via Bluetooth.

You should also be aware of the fact that Zwift also has a companion app for smartphones. This companion app acts as a separate display for workouts, a Bluetooth connection bridge, and an event interface.

All of this might sound a bit complicated, but the official website does an incredible good job of laying everything out for you. In addition to this, this companion app is something that you need to get started. It is just there as extra incentive if you want to take advantage of it.

Choosing Your Zwift Treadmill Foot Pods

When it comes right down to it, the value of running on Zwift really comes from how much you achieve. And, you simply aren’t going to know how much you achieved if you can’t accurately monitor your running. Did you stretch the goal for today? Maybe you came in a little under distance? These are things that you are going to need to know if you want to track, meet, and exceed your fitness goal. You simply cannot do that without the right foot pod. So, what is the right foot pod?

First and foremost, you are going to need to buy one of the newer treadmill foot pod models. I would recommend that you get a foot pod made in 2020 or newer but any pod that was designed and developed in the last 2 years will do, it will just not be as accurate as the newest ones. Secondly, the treadmill foot pod is obviously going to need Bluetooth. If you don’t have Bluetooth then you won’t be able to sync it up with the app. That aside, there are some other key features that you are going to want to consider when shopping for a foot pod.

Weight

Weight is sometimes a good thing when running, but you do not want something that is going to deter your progress. You pretty much want something that you won’t even notice or feel. That being said, most of these devices are incredibly lightweight and can easily be pinned to your shoes for maximum benefit. 

Functionality

Choosing the right foot pod that is going to fully serve your needs might take time. It might even take more than one purchase and return, so make sure this is something that you are looking for in a manufacturer when choosing a device. You want your foot pod to become a tool that you can trust and rely on. It will be able to track and capture your real-time cadence.

Waterproof

The thing about running outdoors is you never know what you are going to run into. You might get caught in the rain. This is why you want a device that is rugged and waterproof. A device that you know will be able to withstand punishment. In addition to this, you are going to be sweating, so you simply want something you don’t have to worry about.

Conclusion

Staying in shape is important for you, your health, and your family. Just because you are constantly on the road it doesn’t mean that you can get or stay in shape. With the Zwift, there will be no more excuses. You can see that it doesn’t take much to get started, and once you get started it will be easier than ever to stay motivated.

Why Calling a Slip and Fall Injury Attorney is NOT a Cash Grab

A slip and fall can also be dangerous as you could damage bones and it could even lead to brain damage. However serious your bills are, you can call upon a slip and fall injury attorney to put in a claim for you to make sure you get the correct compensation to cover you for all of your losses… CONTINUE READING >> 

Have you or one of your loved ones been injured at your workplace by a slip and fall? It might sound like a simple injury, but they are surprisingly painful. A slip and fall can also be dangerous as you could damage bones and it could even lead to brain damage.

But don’t panic. However serious your bills are, you can call upon a slip and fall injury attorney to put in a claim for you to make sure you get the correct compensation to cover you for all of your losses.

Pay Your Medical Bills

The biggest thing you need to take care of in slip and fall cases is the cost of your medical bills.

The idea of America as an overly litigious society is a myth. Because healthcare is not free in the US like places with universal health such as the UK, you need to fight your case to get what you are owed.

Your costs might be covered by your insurance, but this is not always the case. It will depend on your policy.

Some insurance coverage also requires you to pay for medical care upfront, and that might force you into debt or making other sacrifices.

A slip and fall lawsuit is a way for you to grab some of this money back to ensure you are properly covered.

Get the Compensation You Need for Pain and Suffering

Slip and fall cases are not just about medical bills. They are also about the pain and suffering you were caused.

Getting yourself an attorney who specializes in slip and falls cases can be a good move and can ensure that you get the compensation you deserve to make life that much easier for you.

Pays for Sick Leave From Work

Sure, most employers have paid sick leave, but every policy and every company is different. It might not be enough to cover your day-to-day expenses.

If your injury is serious and it takes a long time to recover, then your sick coverage might expire. A lawsuit can help you get your money back.

Takes Care of Other Costs Like Childcare

A slip and fall accident can also leave you out of pocket for other expenses that are not covered by your insurance.

This could include the cost of childcare while you are incapacitated, which can be a big worry if you don’t have any relatives to look after your children.

You might think it’s not worth claiming and going to court but the future of law is bright. Initiatives like online courts might soon make it easier to claim.

Getting a Slip and Fall Injury Attorney Can Be a Great Idea

A slip and fall injury attorney can be a great idea if you have been involved in an accident at work that wasn’t your fault.

They can help you claim back some money to cover some of the expenses you might have incurred while being ill. These include the costs of childcare, sick leave, and any medical bills you might have needed to cover.

If you are interested in learning more about slip and fall accidents, as well as how to get a slip and fall attorney, be sure to check out the rest of our site.

We are happy to present this collaborative post to offer valuable information to our readers.

Don’t Go it Alone: Why You Need a Lawyer to Help Navigate Health Insurance Law

You petition your insurance company for proper coverage, however, your carrier denies your claim. What can you do?
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You’re suffering from a long-term illness. You petition your insurance company for proper coverage. However, your carrier denies your claim. You receive a letter about your claim denial.

The letter contains some legal jargon that you don’t understand. You still don’t understand why reps denied your claim.

You grow frustrated because you need coverage to cover your medical expenses. Without your policy, you cannot afford your treatments and prescriptions.

What can you do?

In this case, you can hire an attorney who specializes in health insurance law. An attorney can help you with insurance appeals. Further, a legal professional can help you get the coverage that you’re entitled to under your policy.

A lawyer can also help you deal with an extensive health insurance bureaucracy that often confuses customers. This article will explain how a health insurance lawyer can help you get your claim approved. Read on if you wish to know more.

Insurance Policy Denial Rates

When consumers find an insurer, they assume that the carrier will cover a claim by default. However, an insurance company can deny your claim, even if you’re entitled to coverage.

In the past decade, the percentage of denied claims hovered around two percent. The lower percentage of refuted claims stems from the Affordable Care Act and its protective measures for policyholders. Before the ACA, denied claims were much higher. Aetna, for example, denied claims at around six percent.

Additionally, insurance giants can deny a claim even if you’re owed coverage under your policy. For instance, medical professionals within the insurance industry may not review a patient’s medical history when approving or denying claims. This means that a patient who suffers from a serious illness could go without coverage.

Moreover, experts fear that the new changes to the ACA could lead to an increase in denied claims. Additionally, Republican efforts to make the sale of insurance available across state lines could exacerbate the number of rebuffed claims. The lack of regulation could also result in the denial of consumer appeals.

In these uncertain times, having a legal expert by your side can increase your chances of winning a discarded claim. Lawyers know the terminology and the tricks that insurance companies use to withhold payouts.

Insurance companies also use a variety of means possible to reject or deny claims.

How Do Insurance Companies Typically Deny Claims?

Insurance companies can deny claims for a variety of legal reasons, such as clerical errors. First, consumers must know the differences between a denied and a rejected claim. A carrier can reject a claim if a clerk fails to provide adequate information on the invoice. Also, policyholders could face denial if the insurance company never received the paperwork. Normally, you’ll benefit from a reinstatement if administrators correct the mistakes.

On the other hand, a denied claim means that a patient will not receive medical coverage. Let’s say insurance reviews the policy and discovered that the patient saw a doctor out of network. The patient stands the risk of receiving a denial because they failed to see a doctor within an insurer’s network.

Other reasons that insurance companies may deny a claim include:

• Non-authorized charges (i.e. MRIs or CT scans)
• Referral requirements
• Drug or therapy exclusions

Additionally, insurance companies could stop your claim due to a pre-existing condition. Under the ACA, a health insurance provider cannot deny claims due to pre-existing conditions.

However, the pre-existing provision could face repeal under the Trump Administration, which could leave many policyholders vulnerable. According to Justin Kimball from Preszlerlaw-ns.com, private insurance companies are even more likely to deny your disability claim than the government.

However, a health insurance attorney can help you in the event of denied claims, regardless of the reason. They may be able to streamline situations that involve bureaucratic setbacks and fast-track your claim to approval.

A lawyer will also keep you abridged of any changes to the healthcare laws and will enlighten you on your rights as a consumer. Your consumer rights also include filing an appeal, which could reinstate your claim.

What Does Appealing Mean?

A customer can file an appeal to reverse a decision on a denied claim. Under the ACA, consumers have six months to file an appeal. To submit your appeal, you must first draft an insurance appeal letter.

When creating an insurance letter, include the following forms of information:

• Your policy information
• A detailed account of your medical situatio
• The reason you need medical coverage
• A detailed account of the denied claim
• Your doctor’s contact information and recommendations

Writing an appeal letter can be a lengthy process, which is why an attorney is so crucial during this process. A lawyer who specializes in insurance appeals can help you create a compelling appeal letter. A legal professional can also help you gather sufficient evidence that will bolster your appeal case.

The Negotiation Process

Health insurance companies have a team of experts that include lawyers and medical professionals. They have the necessary resources and knowledge to deny claims legally or pay out the bare minimum. The bottom line of a health insurance company is to pay out as little as possible to save money. They make even more money when denying claims outright.

That’s why you need an attorney who also has the necessary savvy and resources to fare through the negotiation phase. Before negotiations, an attorney can help you understand all that your health insurance policy entails.

• Example: If you have a standard policy, your carrier must provide you coverage as prescribed by law.

A lawyer can better educate you on health insurance laws and policy details. For example, the details of your policy may exclude certain diseases. Also, policyholders must abide by coverage limits in many cases.

Health Insurance Law and Consumer Rights

Many policyholders don’t realize that they have rights under the law. An insurance denial can happen when you least expect it. However, a health insurance attorney can help you navigate the bureaucratic and legal processes. Find an attorney who specializes in health insurance law. More importantly, choose a good attorney who has a solid track record of winning cases.

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We are happy to present this collaborative post to offer valuable information to our readers.