The coming-and-going rule largely makes commuting employees ineligible for workers’ comp. In simple terms, employees injured in an accident while on their way to or from work are liable for their injuries, not the employer. Workers’ comp also doesn’t cover workers who are running personal errands.

Situations When Commuting Employees May Be Covered

Traveling Employees

The coming-and-going rule exempts employees who are always on the road. These employees don’t have a fixed workplace because their job involves a lot of traveling. Medical practitioners, plumbers, and salespersons are examples of traveling employees.

On-Call Employees

On-call employees are eligible for workers’ compensation from the time they were called into work. The cover applies even if these employees get injured at home while on call.

Driving a Company Vehicle

If an employee gets injured while driving a company vehicle, he or she may qualify for workers’ comp. He or she must, however, have been on official duty when the accident happened for the coverage to apply.

Crashes that Happen While an Employee is still at the Workplace

Walkways, grassy areas, parking lots, and driveways are part of the workplace. If a worker is injured while getting in or out of such areas, he or she could be eligible for compensation.

Running a Work-Related Errand

An employee who gets injured running a job-related errand while heading home from work may qualify for compensation. Likewise, an employee who is hurt while running a job-related errand during personal time may be compensated.

Business Travel

A worker who gets hurt during business travel may obtain compensation, even if he or she wasn’t working when the accident happened. Courts are usually open to determining qualification for workers’ comp in work-related travel accidents, even in cases where the injurious event wouldn’t be categorized as work-related. Several potential situations may arise in the event of a work-related travel accident. They include:

• The employee caused the accident, and the cost is within his or her insurance. In such a scenario, the employee will be legally responsible for the accident and his or her insurance will cover the costs.
• The employee is at fault, and the cost exceeds his or her insurance. In this scenario, the employee would still be liable, and he or she may be in most cases required to cover all the damages. The employer may, however, cover some of the damages in some cases.
• Another person caused the accident. In this case, the injured employee can file a claim against the liable person for the damages and seek workplace injury compensation to help him or her cover the lost salary or wages.

The Course of Action After A Work-Related Accident

Taking the right steps after a work-related car accident can increase the chance of an injured worker securing reasonable compensation. These steps include gathering information about the accident, seeking immediate medical attention, following the doctor’s advice, and notifying the employer about the accident.

Seeking workplace injury compensation on time and working closely with an attorney in case of a potential personal injury claim is also a wise idea. The attorney can use various strategies, including negotiating a single-payment settlement and filing a lawsuit, to ensure the injured employee will secure reasonable compensation.

If you’ve been looking for strategic ways to grow your money by investing it wisely, you have likely come across quite a bit of talk about forex trading. But is the forex market right for you? Is this the best path for you when it comes to investing your money and watching it grow, or would you be better off taking a different route? Keep reading to access some helpful information you can use to assess whether or not forex is right for you. 

You Don’t Mind Taking on Risk

Whenever you get into trading, whether you are trading currency pairs in the forex market or stocks in the stock market, there is a level of risk that you will need to take on. If you are not comfortable with that risk, forex is not right for you. 

It is important to keep in mind that the forex market can be volatile, so one of the ways to figure out if forex is right for you is by thinking about how much money you want to invest and risk losing. If you don’t have a lot of money that you are willing to risk for the chance to watch it grow, you might be much better off investing in a safer and less risky way. 

You Are Willing to Spend Time Learning

Forex trading can be easy to learn, but even if you have a lot of experience in trading and investments, it will take some time to get used to the ins and outs of the forex market. Therefore, if you don’t mind putting in the time to do the homework, forex might be right for you. 

This includes learning about how to reduce risk and increase your odds of getting high returns, but it also requires spending time searching for the right forex broker and platform that will work for you. 

A popular option is the MetaTrader platform because it is easy to learn how to navigate it, and it provides you with a lot of helpful tools that you can use to make smarter trades. Plus, when you are ready, you can easily download MT4 for your PC to get started.

You Don’t Mind That Forex Trades by Day and Night

The forex market is open 24 hours a day, 5 days a week. This means that things can happen while you are sleeping or while you are busy doing other things during the day. If this bothers you, it might be better to go with a market that opens and closes during specific hours every day to make it easier to keep track of what’s going on. 

On the other hand, if you are the type of person who likes the fact that you could be trading in forex in the middle of the night, forex is certainly worth considering.  

Carefully Consider Whether Forex Is Right for You!

Forex trading has its pros and cons that are worth considering if you are thinking about diving in and giving it a try. You will certainly want to do your research before getting started so you will know what to expect. 

Remember, there is a risk of losing money, so learning the ropes before trading with real money is recommended. And if you find that forex isn’t right for you, don’t worry, as there are other ways to grow your money. 

The Ford Bronco was one of the first off-road capable models launched by the company in the 1960s. Intended to compete in the popular off-road market, the Bronco went against popular rivals like the Jeep CJ-5 and Toyota land Cruiser, employing a similar design and drivetrain. 

The Bronco sold well, and later in 1978, the second generation was launched with a chassis derived from the F-Series pickup truck. This generation also became a lot bigger, pushing the Bronco into the full-size SUV segment. After decades in production and several generations, Ford discontinued the Bronco in 1996 due to declining sales and it was later replaced by the Ford Expedition in 1997. 

After a 25 year absence, Ford finally launched the all-new Bronco in 2021. Development for the new model started earlier in 2016, and it was unveiled at the 2017 North American International Auto Show. Soon after, the Ford Bronco reservations were started in several U.S states, Ontario, and nearby Canadian territories. 

This time around, Ford is releasing two distinct models under the Bronco name, a regular off-road-focused mid-size SUV, and the Ford Bronco Sport which is more compact and gets a crossover design. The regular model will compete with the Jeep Wrangler, and can be bought with a 2-door or 4-door configuration. The new Bronco lapped up around 200,000 reservations after its debut, with more than 60% of those going through with the purchase.   

The new Bronco is based on the Ford Ranger, using a body-on-frame construction and similar powertrains, giving it excellent off-road capability like the first-generation model. Although the Bronco was set to be revealed in early 2020, it was pushed to July because of the Pandemic. The very first model was auctioned off for more than a million dollars, following which, in June this year, units started to reach showrooms. 

In contrast, the new Bronco Sport gets the same retro styling and design with compact dimensions. It also uses a regular unibody construction based on the Ford C2 platform, classifying it as a crossover. 

Just recently, a more rugged version of the Bronco prototype was spotted testing with unique camouflaging. Although it looks confusing from a distance, a closer look reveals some intricate details. A similar design was used on Raptor prototypes, suggesting the possible release of a Bronco Raptor. 

Closer inspection of the camo reveals several little images including nature and animal decals. Among them is a bucking bronco, which could suggest this is actually a Ford Bronco and not an F-150 Raptor. Ford initially toyed with the ‘Warthog’ nameplate for the high-performance Bronco, but all recent reports point towards the Raptor nameplate. The lightning decal was also seen among the images, possibly suggesting a hybrid or all-electric version to be launched soon, similar to the new F-150 lightning. 

The Ford Raptor’s nameplate is usually bestowed upon the high-performance pickup trucks by the company. So far, both the Ford F-150 and Ford Ranger received the Raptor name. Like the Bronco, the Raptor models are designed specifically for off-road use with standard all-wheel-drive, mid-travel suspension, and grippy all-terrain tires. They also get high-performance engines as standard along with several rugged design elements like flared wheel arches, and a unique grille. From the spy shots, we can see the silhouette of the new Bronco with all-terrain tires and higher ground clearance, all signs that point to a high-performance Raptor trim. 

So far, several reports have suggested that the Bronco Raptor and Warthog are the same. It is still unclear which nameplate Ford will choose, but long story short, we can expect a high-performance Bronco launch shortly. 

Hardware improvements

Like the Ford F-150 Raptor, the prototypes get a more aggressive design with massive fenders and a higher ride height. A sneak peek at the suspension also reveals heavy-duty Fox Racing dampers, given away by their unique orange casings. Most of these upgrades will likely be lifted from the F-150 Raptor. Another recent spy shot also revealed the 37-inch BF Goodrich tires on the prototype, similar again to the F-150 Raptor, designed for off-roading and high-speed dune running. 

Like the Raptors on sale today, we can also expect the unique FORD grille at the front along with a higher front bumper for a better approach angle, wider track, upgraded chassis with improved rigidity, and protective skid plates. The Raptor is also expected to get beefier driveline components like the differential and transfer case to handle all the extra performance and abuse. 

Engine options 

As of now, the standard model is available with two EcoBoost engine options. Base models get a 2.0L unit producing 300hp, while the 2.7L unit on the higher trims bumps it up to 330 hp. However, the upcoming high-performance model is expected to get the new 3.0L EcoBoost V-6 engine lifted from the Ford Explorer ST and Lincoln Navigator. Without any hybrid tech, the engine produces 400 hp and 415 lb-ft of torque. A hybrid model is also expected which raises the output to 494 hp and 630 lb-ft of torque. The Bronco Raptor is expected to get the same 10-speed automatic transmission as the standard models. 

Expected Pricing

As with most of the Raptor models, expect to pay a lot more than the standard models. Because of the several performance improvements and design elements, the Bronco Raptor is expected to start at $65,000, making it more expensive than the range-topping First Edition which retails for $58,410. As of now, the Jeep Wrangler Rubicon 392, which is the Bronco Raptor’s closest competitor, retails for $73,500, making the Bronco a bargain in comparison. 

Expected launch

Because of the pandemic, the Bronco launch was delayed by several months. We can expect a similar delay with the upcoming Raptor model, and it should arrive for the 2023 model year. The standard models started rolling off the production line just recently in June 2021, and the effects of the pandemic are still in effect, like microchip shortages and other production constraints, causing a delay in production and the eventual delay of the Bronco Raptor. So a realistic launch timeline will be late 2022.  

With its launch, the new Bronco Raptor is expected to be the best off-road capable model by the manufacturer, staying true to its roots.  

After an injury fall at a fair, the fall victim should see a doctor immediately before engaging in any other activity and safely keep the medical records. The victim should document the scene of the fall accident and notify the fair event organizer or premise owner of the accident. He or she should also gather information about any eyewitness at the scene.

The fall victim is entitled to compensation if he or she is injured due to another party’s negligence. He or she can sue the fair event organizer or premise owner. Fall accidents at the fair can result in a variety of injuries, ranging from minor bruises to severe injuries like spinal cord injuries.

Taking the Right Steps After a Fall at the Fair

Seeking Urgent Medical Attention

The victim should see a doctor for a full medical examination immediately after a slip and fall. The victim should describe to the doctor precisely when, where, and how he or she was injured. Establishing a link between the injuries sustained and the fall is important.

Keeping Proper Medical Records

The fall victim should obtain and safely keep medical records. Doing this will make the work easier for the injury attorney.

Informing the Premises Owner or Event Organizer About the Accident

The fall victim should avoid making excuses for his or her fall, or dusting himself or herself, and limping away. Instead, he or she should immediately report the accident to the premise owner and/or event organizer.

Documenting the Accident Scene and Collecting Witness Information

This step involves taking time-stamped pictures of the contributing hazards at the accident scene. It also involves collecting contact details and the physical addresses of witnesses.

Causes of Fall Accidents at Fairs

Slip-and-fall accidents are majorly caused by substances on the floor, such as water, ice, and litter, which reduce frictional properties between shoes and floor surfaces. Since fair events mainly involve huge crowds, obstacles on the walkways can lead to trips and falls. Deviations or elevations on the walking floors can also cause falls, as the clearance distance between feet and the floor surface is so small during normal gait.

Bumping or getting pushed by another person or an object can result in loss of balance and may lead to fatal falls. Fall accidents at fair events may interrupt crowd flow, resulting in multiple trips and falls and severe injuries to fall victims.

Liability Determination

Fair organizers are legally responsible for the safety of legal fair attendees. Slip-and-fall victims that suffer injuries in a fair accident must demonstrate the fair organizer’s negligence. The injured victim must prove that the fair organizer knew or should have known about hazardous conditions and resolved them in advance. The victim must also prove that fair organizers or their employees directly contributed to the hazardous conditions that caused the fall accident.

Getting Legal Support

Liability is usually contested in slip-and-fall claims. A slip-and-fall victim can improve the chances of obtaining a favorable outcome in a personal injury claim with the help of an injury attorney. The attorney can obtain evidence that the victim can’t obtain on his or her own, including compelling businesses to provide surveillance footage or copies of accident reports using subpoenas. 

Third-stimulus-check beneficiaries can have their payments seized by creditors or private debt collectors to cover past-due debts, such as credit cards debt and private student loans. The funds can’t be garnished to service unpaid government debts, such as owed child support, federal student loans, and delinquent taxes. Debt collectors, who seize stimulus payments using unfair collection practices can be charged and ordered to return the garnished payments.

Why Third Stimulus Payments Aren’t Insulated from All Garnishments

Unlike a typical bill, the American Rescue Plan was enforced through a budget reconciliation process. Congressional Democrats applied this legislative strategy to hasten the passage of the COVID-19 relief bill, which contained the third stimulus payments. The third stimulus package isn’t insulated from all garnishments because legislators were unable to include protections similar to the second stimulus payments. For this reason, stimulus funds are exposed to debt collectors. In simple terms, private debt collectors can seize a stimulus payment.

According to a Tax Foundation policy analyst, protections are in place to insulate third stimulus payments from child support and tax debt. There are, however, no protections to insulate those payments from private debts like debts accumulated because of a civil judgment.

Debts Insulated from Garnishment

Child Support Debt

Child support debt falls under the federal debt category. The 2021 rescue package legislation prohibits the seizure of stimulus payments to service unpaid state or federal debts and other federal taxes.

Unpaid Federal Student Loans

Coronavirus Aid, Relief, and Economic Security (CARES) Act temporarily halted debt collection actions against individuals with past-due federal student loans. The moratorium is still in effect up to September 30, 2021, following an extension by President Biden.

Debts That Might Be Seized From Third Stimulus Checks

Credit Card Arrears and Unpaid Private Student Loans

Individuals with credit card arrears and outstanding private student loans can have their third stimulus check garnished but only after creditors or debt collectors obtaining a court order. The creditors are, however, still limited in seizing the stimulus payments until after they put a lien or attachment on a defaulter’s bank account.

Can IRS Tax Stimulus Checks?

IRS classifies stimulus checks as non-taxable income. Consequently, stimulus checks beneficiaries are not obliged to pay income taxes or report the funds when filing federal tax returns. Taxpayers with delinquent taxes are still eligible for a stimulus payment, as they aren’t garnished by IRS.

Eligible taxpayers, including Property Tax/Rental Rebate Program claimants, can claim a recovery rebate credit if they fail to get stimulus checks or get less than the full amount. They must, however, first file tax returns to claim the credit. Claiming the rebate credit can result in increased tax refunds or lower tax debts.

Seizing of Stimulus Checks by Rogue Debt Collectors

Stimulus beneficiaries can sometimes have their checks unfairly seized by debt collectors or creditors who break the law while trying to recover their money. A consumer protection attorney can review the beneficiary’s situation and advise him or her on the available legal options. If the creditors broke the law, the attorney can help in getting the garnished payments back. The creditors can be also be sued and may be ordered to pay for damages alongside the accrued legal fees.

If a worker sustains an injury on the job and receives workers’ compensation, this could affect child support obligations in a number of ways. Specifically, parents may discover that funds recovered from workers’ comp impact the division of assets and child support calculations in divorce proceedings.

How Workers’ Comp Works

Workers’ compensation is money that a worker receives as compensation for injuries sustained on the job. To qualify for workers’ compensation, workers need to have endured injuries connected to their employment. Some instances of workers’ compensation could include when a worker is injured by unsecured equipment when performing duties, or if he or she winds up in an accident while performing a delivery in a company vehicle.

If a worker receives workers’ comp, the payment will typically function as a replacement for a personal injury claim that workers might otherwise file against employers or employers’ insurance companies.

Workers’ Compensation and Shared or Separate Property

Generally, marital property will include all funds from any source that an individual acquires while married. These income sources could include work, pension, retirement accounts, rentals, and appreciation of assets. When filing for divorce, individuals will need to divide marital assets with their spouses, and the total value of assets will help determine which parent will need to pay child support and the amount of support.

Separate property, meanwhile, is the property that a person earns or acquires before marriage or after a divorce, meaning it won’t be subject to division throughout divorce proceedings. Whether workers’ comp falls under separate or marital property will depend on how and when the worker received the awards. In most cases, if a worker sustained a work-related injury and received workers’ compensation awards while married, these funds will be considered shared. However, if workers received the funds before or after their marriage, they will be separate.

Bearing this in mind, it’s important to know that in most states, even if a workers’ comp award is considered separate property, it’s still considered income that factors into child support calculations. Consulting with a family law attorney could help determine whether workers’ comp awards are marital or separate property.

Workers’ Comp’s Impact on Divorce and Child Support

Depending on the nature of workers’ compensation awards and the state where the recipient is getting divorced, workers’ comp could have an effect on divorce proceedings.

For instance, if a recipient lives in a state where workers’ comp is considered a personal injury award, the courts may treat them as marital or separate property. Specifically, the parts of a workers’ comp award that cover medical bills and lost wages while the recipient was married will be considered marital property. Meanwhile, parts of the award that cover expenses before or after marriage will be separate property.

When it comes to child support, most states will take workers’ comp awards into consideration when calculating child support payments. On the other hand, if a parent is making less income after receiving workers’ comp awards, the parent may be able to request a reduction in child support payments. Speaking with a divorce attorney can help gauge how workers’ comp earnings will impact child support.