#with a crippling case of bronchitis!

[trouvailleamor]

Chapters: 26/32 Fandom: Harry Potter - J. K. Rowling Rating: Mature Warnings: No Archive Warnings Apply Relationships: Sirius Black/Remus Lupin, James Potter/Lily Evans Potter, Marlene McKinnon/Dorcas Meadowes Characters: Sirius Black, Remus Lupin, James Potter, Lily Evans Potter, Harry Potter, Marlene McKinnon, Mary Macdonald, Dorcas Meadowes, Regulus Black, Peter Pettigrew, Rubeus Hagrid, Petunia Evans Dursley, Vernon Dursley, Hope Lupin, Lyall Lupin Additional Tags: i really don't know how to tag this fic, Alternate Universe - Modern Setting, Remus Lupin Lives, Chronically Ill Remus Lupin, Cemetery, Sirius Black Lives, Falling In Love, Ghosts, Haunted Houses, Happy Ending, Marauders, wolfstar, Canonical Character Death, Implied/Referenced Drug Use, Implied/Referenced Child Abuse, Sirius Black & James Potter Friendship, Sirius Black and Remus Lupin Raise Harry Potter, eventually, Implied Sexual Content, Hurt/Comfort, Strangers to Lovers, Modern Era, Texting, Mutual Pining, Implied/Referenced Suicide, Light Angst, Angst with a Happy Ending, Mild Sexual Content, Bittersweet Ending, Happy but Bittersweet, Living Together, Domestic Fluff, Grief/Mourning Series: Part 1 of The ghosts and other hauntings Summary:

Sometimes, he feels like he spends more time around dead people than he does live ones.

Or, Remus works in a cemetery, Sirius visits his best friend's grave.   Or, a story about life, death, healing, and all sorts of love.

[chicago-geniza]

Will eventually write about it in essay form privately for my own catharsis and edification but I can't believe my family left my 12-year-old accident-crippled uncle alone in a house in a rolling chair for ~6 months with no human contact save in the evenings and were shocked when he had a psychotic break then did the same thing to me when I got chronic bronchitis and went [shocked Pikachu face] when I also had a psychotic break after being left alone in a room, mostly unable to move, with no human contact, before the age of mobile internet or laptops. This experience and the story of how my uncle went crazy were first and foremost what made me an abolitionist. In high school I wrote a paper about The Yellow Wallpaper, solitary confinement in present-day prisons, and asylums for feeble-minded children. I want to expand on it more re: the forms of confinement physically infirm children were regularly subject to--my stepdad had a downright Proustian childhood with allergies and asthma!--and the ways those conditions are treated in discourse and mainstream media now. Of course I want to include Proust, and Woolf, and others of delicate constitution and disposition--Kafka--but I don't want to make the psychosomatic case, as Kafka does. I want to talk about confinement and insanity; how isolation and deprivation of human contact, *boredom*, too, as Thomas Mann marks sickroom time, create the conditions to render an individual "unfit for polite society/public life," such that incarceration--further isolation, understimulation, social and sensory deprivation--becomes "in their best interest," once reason has deserted them. Or: it abandons them because it is a function of thought, and it takes two people to have a thought. Also environmental input plays a role. But sick children who become "sensitive" and go insane are the paradigmatic case.

[moveslikebucky]

Some random thoughts today (cw: hospitals, just in case)

So yesterday I went to the ER. I had severe stabbing chest pains, numbness in my arms and legs, and trouble breathing. Logically one goes to the ER for this, because it’s 3 things that can happen with heart attacks.

Luckily for me, it was not a heart attack. My EKG was completely normal, they did chest x-rays and a cat scan - all normal. Blood work was fine; aside from the asthma and bronchitis (and the fact that getting more exercise would do me good) and the Crippling Anxiety that sometimes causes this chest pain, I’m perfectly healthy for a 33 year old individual.

So the thing I’m musing on here, the thing I can’t let go of; why, the entire time I was there (all 7 hours!) did I feel like I didn’t have a right to be there? Why is it still so ingrained in me that no matter where I am I must be a burden there that I can be sitting in the ER with three of the checklist symptoms of my heart trying to kill me and still be thinking in the back of my mind “you should’ve stayed home, you’re wasting everyone’s time”; because even though it wasn’t the worst case scenario, I was still in pain and I did still have a problem to be looked at. Looking at it the next day I had every right to be there that anyone else did that day. The nurses, doctors, radiology techs - it’s their JOB to be there, I’m no more a burden than the person in the next room.

And it’s a strange thing to notice about myself there, of all places. It’s even stranger to sit here and think about it and realize how many facets of life this is true for me in:

“I don’t want to order this thing on the menu because it might be complicated and I don’t want to be a burden.”

“I was supposed to be off work half an hour ago but it’s busy I’ll just wait I don’t want to be a burden.”

“I want to interact with others in my fandom and share things I’m working on but I don’t want to be a burden.”

“I really wish my husband would do x around the house more but I don’t want to be a burden.”

Some of these I have been working on, I just never noticed the connection between all of them before that comes down to me constantly apologizing for taking up space.

So I wanna know, looking inward at myself, when exactly I stopped feeling like I deserve to take up space in the world? Why did it take a trip to the ER to get me thinking about this? I don’t know. There’s really no point to this post other than wanting to get it out there.

[words-writ-in-starlight]

Babe! Jyn/Cassian 29, 38, 39! Please and thank you!

Of course, babe!  Also, canon is not my god and the river of denial is a beautiful place.  For this headcanon meme!

29. Howdo the handle disasters or emergencies? Minor injuries? Sickness?

They handle disasters and emergencies like fucking professionals, thank you, they are spies and soldiers and have lived their entire lives in a constant state of emergency.  When shit hits the fan, Jyn and Cassian are on top of everything.  They’ve got it.  They’ve even got it when the other is injured--once the immediate danger sorts itself out, you’d better believe they’re going to be glued to their partner’s side, but they’re exceedingly good at compartmentalizing.  They’ll handle it, they’ll get on with it, and then they’ll hover to their heart’s content.

Even minor injuries are usually okay.  Jyn tells Cassian not to be a baby, Cassian tells Jyn not to be an idiot, and the medics scream through their teeth about these two fucks who constantly leave early AMA and never agree to take pain meds.  The medics knew Jyn and Cassian were soulmates the second they woke up after Scarif, when they both immediately started complaining about how the painkillers made it hard to think.

Sickness, though...yeah.  Could either of them absolutely work through a crippling case of bronchitis and still get their jobs done?  Sure, if the mission calls for it.  Do they still act like they’re about to die of the Black Death the second they get a little snuffly? Yes.

39. Who initiated therelationship? Who kissed who first?  When did they realize they were inlove?

Cassian realized he was in love with Jyn when she gave a speech about hope, and rebellion, and fighting, and then he went out and found her a small army and a stolen ship for her suicide mission.  He figured he was going to die with her, but--well, fuck it.  He’d pretty well decided he was going to die for the Rebellion when he was a kid, so dying with Jyn to save the whole lot of them seemed only reasonable.

Jyn realized she loved Cassian in the elevator.  It was the first time in a long time that she wanted something for herself other than to be left alone, so naturally she figured it out around the same time she resigned herself to immediate demise by Death Star.

After their incredibly narrow escape from Scarif, Jyn is a little unsure of her welcome at the Rebellion at large, including with Cassian--she’s no more one of them now than ever, she thinks, and she doesn’t quite know how to deal with the phenomenon of wanting to be involved, of wanting to help, of wanting him, after so many years of being careful not to want anything.  It’s Cassian who limps over to her cot in the medical bay, bacta patches on her face and arm where the flare burned her, his leg in splints where it slammed into the shuttle bulkhead during their escape and shattered his tibia.  Jyn tucks herself aside and Cassian sinks down on the cot beside her and when he puts her arm around her, Jyn doesn’t fight him.

She kisses him the day he leaves the med bay, her face tender with new skin and his leg still stiff.  It’s a fast, almost brutal kiss, clumsy, practically an attack, but Cassian loops his arm around Jyn’s waist before she can get away and kisses her back.

38. What are they like in the bedroom? Any kinks/fetishes/turn-ons? Anything they won’t do?

I am not the first person to come up with this but I do love it VERY much: Cassian Andor’s favorite thing to do in bed is to go down on Jyn.  Absolute top number one favorite thing.  Part of this is because he just...likes it, part of it is because Jyn was so obviously shocked the first time he said that he just wanted to do something for her, and part of it is because he’s a very service-oriented partner.  It gets him off to get her off.  Especially since Jyn was mostly used to unsatisfying sex for most of her life, hurried meet-ups in dark corners and the occasional tumble with another criminal, and the discovery that Cassian likes to eat her out (and is extremely good at it) was a massive change of pace.

Jyn likes to jump Cassian in--not public places, but semi-public places.  She likes to tease him through a war meeting and then drag him into a storage closet right after, so that she can jack him off or blow him while he bites down on the heel of his hand or the curve of her shoulder so that they aren’t heard.  She just thinks it’s incredibly satisfying to see the cool, collected spy, Captain Andor of the Rebellion, reduced to shaking against her and gasping through his teeth so that he doesn’t yell.

In terms of actual kinks, sometimes Cassian just needs...to be told what to do.  His decisions cost lives every day, sometimes he needs to not be making the calls.  Sometimes he needs to turn his brain off and have Jyn push him down and tell him exactly what he’s going to do for her.  And Jyn, sometimes Jyn just needs to be held down and made to feel good.  She’s been running for her life since she was a child, often from one disaster into another, and sometimes it’s hard for her to take pleasure as she finds it.  She can’t stand to be tied down--neither of them can, they’ve got issues--but some days she craves the feeling of Cassian’s strength holding her to the bed and making her enjoy it.

[cantquitu]

hypnochick123 replied to your post: Is anyone actually withdrawing support simply...

As someone with crippling social anxiety I’m gonna speak up for a second here.  I’m not an authority on Zayn or other people with anxiety, but I’m just gonna share my point of view.  I was so scared to even talk to a doctor about it because it seemed silly to need to. I felt like I should be able to handle it myself.  And what’s worse is that I had myself convinced that if I COULD be brave enough to speak to a doctor about it, then it must not really be crippling enough to see a doctor about it. I say all that to say that I only sought help after I fell through the cracks in my family and at school and knew that I would fail out of college and at ever being able to have a job if I didn’t do something.  It took years for me to do something and I’m glad I did.  But for Zayn it may not be the same type of urgency for him.  It’s sad to be sure but nothing worth judging the guy over or stopping being his fan, anon.  Just my opinion.  Have a good day.

I can’t get into Zayn’s mind—not sure  exactly what brand of anxiety he has—if it’s just performance or social or what.  But being famous and trying to maintain that same level of fame all by yourself when you only had to pull 1/5 of the performance weight before has to be immense pressure.  Plus sinces he’s a man that can be an extra pressure for him to handle it by himself.  Too many times I see guys being told to “man up”.  Not saying that’s the case but it could be an issue for him.

Yes I think this is a really important point and I’ve mentioned it a few times. Sometimes, when you’re severely depressed and/or extremely anxious, you will fabricate endless excuses to avoid getting help. These are often a direct byproduct of the anxiety or depression itself. If you were well, you may not have the same difficulty. 

But if you’re unwell, you may convince yourself that you don’t require help, you should be able to manage yoruself; or you don’t deserve help, you have no right to it; or you’re too overwhelmed or frightened to seek help; or you’re too exhausted to seek help; or the prospect of seeking help means you’re setting the wheels in motion on a task (dealing with your anxiety) that feels insurmountable, daunting, or terrifying. Or, seeking help makes you feel like a failure.

The last time I was seriously ill it took me 8 months to phone the doctor. Eight months. I could not, and would not, pick up that phone. I made up every excuse to avoid it. I only eventually went because I had serious bronchitis and needed antibiotics. As soon as I got into the doctor’s office and she asked me was I ok (I clearly wasn’t), I completely collapsed into tears and she got me help. 

A year later, when I was getting bad again, my best friend remembered this and she found me help and did all the preliminaries and I only had to agree a time and date. You would have thought I’d learned my lesson - and I had! - but I still faced the same challenge.

Anyway, that’s a bit TMI, but it’s something that I’ve seen over and over again with friends and colleagues. It’s often the most difficult to ask for help when you’re at your lowest. Not saying Zayn is at this lowest, I just want to counter this idea that he is weak or stubborn or selfish or whatever for not seeking medical help.

[flukeoffate]

Health Update: physical and mental.

So I went to the doctors office because I felt like I had bronchitis but my main doc is on maternity leave. Temp doc is convinced it’s just exacerbated Asthma, and the blood pressure meds I’m currently taking apparently have coughing as a side effect. I have noticed more coughing in general. A nuisance for most people, but I think it has been so brutal on my lungs and chest muscles that now my body is weak af. They gave me a nebulizer treatment and instructions to increase the dose on my preventative inhaler. So far the coughing has been down but not eliminated.

Breathing is now easy enough that I finally managed to nap, but my body is exhausted and weak. I can barely walk more than a level block or two without stopping and hunching over to catch my breath. I can’t pick up heavier items without panting. I really wanted to make progress on the house and start exercising more but my mind and body refuse to cooperate. I’m breathing but deeper breaths are causing me pain still.

Made a psych appointment too, because my depression and anxiety has gone through the roof. I’m having near daily panic attacks or crying fits, and a lot of them seemingly come from nowhere. I’m becoming less sure that I have ADHD and more convinced that I might actually be on the spectrum, especially when one considers my very interests and behaviors. Maybe it’s both? In any case I’m going to ask about anxiety meds, because I’m constantly feeling rushes of emotions that are crushingly bad, ranging from crippling fear and sobbing messes. Idk. I’ll see why she says.

[newstfionline]

Headlines: Monday, October 5, 2020

Workers Face Permanent Job Losses as the Virus Persists (NYT) The United States economy is facing a tidal wave of long-term unemployment as millions of people who lost jobs early in the pandemic remain out of work six months later and job losses increasingly turn permanent. The Labor Department said on Friday that 2.4 million people had been out of work for 27 weeks or more, the threshold it uses to define long-term joblessness. An even bigger surge is on the way: Nearly five million people are approaching long-term joblessness over the next two months. The same report showed that even as temporary layoffs were on the decline, permanent job losses were rising sharply. Those two problems—rising long-term unemployment and permanent job losses—are separate but intertwined and, together, could foreshadow a period of prolonged economic damage and financial pain for American families. Companies that are limping along below capacity this far into the crisis may be increasingly unlikely to ever recall their employees. History also suggests the longer that people are out of work, the harder it is for them to get back into a job.

Of presidents and health, history replete with secrecy, lies (AP) Throughout American history, an uncomfortable truth has been evident: Presidents have lied about their health. In some cases, the issues were minor, in others quite grave. And sometimes it took decades for the public to learn the truth. President Grover Cleveland, fearing poor health would be a political weakness, underwent secret oral surgery late at night in a private yacht in Long Island Sound. The cancerous lesion taken from his mouth was displayed in 2000 in an exhibit by the College of Physicians, a Philadelphia-based medical society. President Lyndon B. Johnson secretly underwent surgery for removal of a skin lesion on his hand in 1967. After leading the nation through a decade of war and depression, Franklin D. Roosevelt was diagnosed early in 1944 as suffering from high blood pressure, hypertensive heart disease, cardiac failure and acute bronchitis. The problems also betrayed an underlying arteriosclerosis—hardening of the arteries. Roosevelt was put on a low-salt diet and ordered to cut down on smoking. But with an election coming on, Roosevelt and the White House staff issued a statement saying the problem was far less serious. According to historian Robert Dallek, President John F. Kennedy suffered more pain and illness than most people knew and took as many as eight medications a day, including painkillers, stimulants, sleeping pills and hormones to keep him alive.

One month out, battered Trump campaign faces big challenges (AP) President Donald Trump’s long-hidden tax returns leaked out. His first debate performance ignited a firestorm over white supremacy. He was hospitalized for COVID-19 after months of playing down the threat of a pandemic that has killed more than 200,000 Americans. And that was just this past week. Trump’s reelection team, battered on all sides, now enters the final month of the campaign grappling with deficits in the polls, a shortage of cash and a candidate who is at least temporarily sidelined. A blockbuster story raised questions over whether he privately belittled members of the military. And even the first lady was captured on tape expressing disdain for having to decorate the White House for Christmas. The challenges facing the reelection team are enormous. Both heads of Trump’s political apparatus — campaign manager Bill Stepien and Republican National Committee head Ronna McDaniel — tested positive for COVID-19 this week. Also infected: several outside advisers who had been involved in the president’s debate preparations last week, including former White House senior adviser Kellyanne Conway and former New Jersey Gov. Chris Christie.

Nicaragua introduces legislation to clamp down on foreign, national media (Washington Post) Nicaragua’s congress is considering legislation that could cripple independent journalism here, press advocates say, the latest step in a crackdown on opposition voices launched by President Daniel Ortega following nationwide protests in 2018. One bill would require journalists who work for international media to register with the government as foreign agents and to refrain from “intervening in questions, activities or matters of internal politics.” A second bill would establish jail terms of up to four years for those who used a computer to spread “false and/or misrepresented information which causes alarm.” Critics say the proposed Special Law on Cybercrimes could be used to target journalists or social-media users writing anything unfavorable to the government. Ortega’s Sandinista party holds a majority in congress, and can easily pass the legislation. A vote could come as soon as this week. Concern is rising for the free press in Central America. More than 500 journalists, writers and artists signed a recent letter to the Inter-American Commission on Human Rights protesting attacks on the media in El Salvador. In Honduras, the government suspended the right to free expression at the start of the covid-19 pandemic, then backtracked after a public outcry. Two journalists have been shot and killed in the country this year; another died in prison after being convicted of defamation. The bills introduced in Nicaragua in the past two weeks are the latest in a barrage of measures to curtail independent media.

Many in migrant caravan bused back to Honduran border (AP) Hundreds of U.S.-bound Honduran migrants who had entered Guatemala this week without registering were being bused back to their country’s border Saturday by authorities who met them with a large roadblock. By 5 a.m. Saturday, none of 1,000 or so migrants who had been stalled by police and soldiers remained along a stretch of rural highway remained. Police said that hours earlier, migrants had boarded buses and army trucks to be taken back to the border. Seldom since 2018 had the prospects for a migrant caravan been so discouraging. Guatemala’s president saw them as a contagion risk amid the coronavirus pandemic and vowed to deport them. Mexico’s president speculated that the caravan was a plot to influence the U.S. elections. And newly formed Tropical Storm Gamma threatened to dump torrential rain on their planned route through southern Mexico.

Make-or-break time for Britain-EU trade agreement (NYT) Britain and the E.U. entered a make-or-break phase for a long-term trade agreement. Negotiations for the final piece of Britain’s lengthy divorce proceedings from the E.U. have ground on inconclusively for months and will now intensify as the two sides scramble to meet a deadline that would allow a deal to be in place on Dec. 31. Prime Minister Boris Johnson and the president of the European Commission agreed that the two sides shared enough common ground to aim for a final settlement. The outcome will have profound implications for Britain’s future relationship with the E.U. The risk of a rupture is as big as it was this time last year, when negotiations on the withdrawal agreement hit a similar moment of truth.

Tens of thousands people rally in Minsk, police use water cannon (Reuters) Tens of thousands of people marched through the centre of the Belarusian capital Minsk on Sunday to demand that authorities free political prisoners, prompting police to turn water cannon on them.

Azerbaijan says Armenian forces shell second city in escalation of week-long conflict (Reuters) Azerbaijan said on Sunday that Armenian forces had shelled its second city of Ganja in an escalation of the war in the South Caucasus that broke out one week ago. Armenia denied that it had directed fire “of any kind” towards Azerbaijan, but the leader of Nagorno-Karabakh, an ethnic Armenian enclave inside Azerbaijan, said his forces had destroyed a military airbase in Ganja. The escalation carries the risk of a full-scale war between the former Soviet republics of Azerbaijan and Armenia that could drag in other powers. Azerbaijan is supported by Turkey, while Armenia has a defence pact with Russia.

In Wake of Recent India-China Conflict, U.S. Sees Opportunity (NYT) Weeks after India and China engaged in their deadliest border clash in decades, the sight of an American nuclear-powered aircraft carrier entering the Bay of Bengal drew attention across the region. The carrier, Nimitz, and its strike group deployed to the area in mid-July to conduct an exercise with the Indian Navy in pursuit of a “free and open Indo-Pacific,” according to a statement by the U.S. Navy’s Seventh Fleet, whose headquarters are in Japan. But as tensions soar between India and China, two nuclear-armed neighbors, the joint operation took on a greater significance. “It was symbolic,” said Tanvi Madan, the director of the India Project at the Brookings Institution. “It’s also signaling to China and others that the U.S. is standing by India.” As the rivalry between India and China intensifies, the United States and India have taken their shared anger toward Beijing and forged stronger diplomatic and military ties that could alter the balance of power in the region. Officials note that while that friendship has been on an upswing over the past two decades, the border dispute with China has accelerated relations between the countries. But social justice advocates worry that the Trump administration is turning a blind eye to India’s rights abuses against Muslims under Prime Minister Narendra Modi, prioritizing military and geopolitical alliances over all else.

China’s mealtime appeal amid food supply worries: Don’t take more than you can eat (Washington Post) On the surface, China’s campaign to encourage mealtime thrift has been a cheerful affair: with soldiers, factory workers and schoolchildren shown polishing off their plates clean of food. But behind the drive is a harsh reality. China does not have enough fresh food to go around—and neither does much of the world. The pandemic and extreme weather have disrupted agricultural supply chains, leaving food prices sharply higher in countries as diverse as Yemen, Sudan, Mexico and South Korea. The United Nations warned in June that the world is on the brink of its worst food crisis in 50 years. “It’s scary and it’s overwhelming,” Arif Husain, chief economist of the United Nations World Food Program, said in an interview. “I don’t think we have seen anything like this ever.” In China, the two foods in the tightest spots are pork and corn, with the nation’s pigs hit hard by African swine fever and much of the year’s corn crop ruined by floods. But fresh foods of all stripes are in short supply, too, due to the coronavirus pandemic and flooding—from eggs, to seafood, to leafy green vegetables. Beijing has declared it is not in a food crisis, and says it has enough reserve wheat to help feed its people for a year. Still, China’s leadership has watched uneasily as pork prices soared 135 percent in February, and floods washed away vegetable crops.

Israelis persist in rallies against PM despite lockdown (AP) Tens of thousands of Israelis demonstrated in hundreds of locations across Israel against Prime Minister Benjamin Netanyahu, pressing ahead with their campaign against the Israeli leader on Saturday night after the government banned large, centralized demonstrations as part of a new coronavirus lockdown. The protesters have been gathering outside Netanyahu’s official residence in Jerusalem each week for over three months, demanding his resignation. After imposing a second nationwide lockdown to halt a raging coronavirus outbreak, the government last week passed a rule allowing people to protest only within one kilometer (0.6 miles) of their home. While Netanyahu has said the restrictions are driven by safety concerns, the protesters accuse him of tightening the lockdown to muzzle their movement. The protesters say Netanyahu should not serve as prime minister when he is on trial on corruption charges and accuse him of bungling the country’s coronavirus crisis, which has ravaged the economy. Many of the protesters are young Israelis who have lost their jobs.

Pope: Market capitalism has failed in pandemic, needs reform (AP) Pope Francis says the coronavirus pandemic has proven that the “magic theories” of market capitalism have failed and that the world needs a new type of politics that promotes dialogue and solidarity and rejects war at all costs. Francis on Sunday laid out his vision for a post-COVID world by uniting the core elements of his social teachings into a new encyclical, “Fratelli Tutti” (Brothers All), which was released on the feast day of his namesake, the peace-loving St. Francis of Assisi. The document draws its inspiration from the teachings of St. Francis and the pope’s previous preaching on the injustices of the global economy and its destruction of the planet and pairs them with his call for greater human solidarity to address today’s problems. In the encyclical, Francis rejected even the Catholic Church’s own doctrine justifying war as a means of legitimate defense, saying it had been too broadly applied over the centuries and was no longer viable. “It is very difficult nowadays to invoke the rational criteria elaborated in earlier centuries to speak of the possibility of a ‘just war,’” Francis wrote in the most controversial new element of the encyclical. Francis had started writing the encyclical, the third of his pontificate, before the coronavirus struck and upended everything from the global economy to everyday life. He said the pandemic, however, had confirmed his belief that current political and economic institutions must be reformed to address the legitimate needs of the people most harmed by the coronavirus. “Aside from the differing ways that various countries responded to the crisis, their inability to work together became quite evident,” Francis wrote. “Anyone who thinks that the only lesson to be learned was the need to improve what we were already doing, or to refine existing systems and regulations, is denying reality.”

[mackriskmanagement-blog]

What are the major benefits of workers compensation insurance in Edwardsville and Belleville IL

This is the responsibility of an employer to ensure workplace safety and security for its employees. The employers shall also take responsibility for any sort of workplace injury. Thus, the need to buying workers’ compensation insurance comes into play. However, not every employer is aware of the extended advantages of insurance. Let’s talk about those benefits.

· Legal liability coverages – Since inception the said insurance was meant for serving as the bargaining position between the employers and the employees. During that time, the employers used to cover all the expenses related to legal suits involving their employees injured while on duty. Nowadays, the skyrocketing costs of legal suits can be financially crippling for the employees. But thank God, workers’ compensation insurance is there to provide needed legal liability coverage for the employers in case any employee gets injured on the job.

 · Occupational ailments and health conditions – In some instances, respiratory conditions like chronic bronchitis or asthma can be directly associated with the work of the employee. Occupational conditions may have a notable effect on the quality of life and productivity of the worker. Workers’ compensation can help employees by saving money on expensive medical costs while managing their conditions to enable them to be more productive at their job.

 · Add-on coverage – Workers’ compensation provides the employers with an option to include add-on coverage to the existing policy. Employers can also buy disability coverage separately for the sub-contractors. They can purchase coverage for rare circumstances like injury or disability as an aftermath of a terrorist attack, which occurs during the working hours.

 · Expenses for vocational rehabilitation – Workers compensation insurance in Edwardsville and Belleville IL provides coverage for training costs as well. If a worker gets injured while on work and becomes unable to resume the same work anymore, the insurance provides the cost of training that the person can undertake to get a new type of job within that company or any other company.

 · Compensation for lost wages – Workers’ compensation coverage would provide coverage towards a worker’s disability, be it total or partial. In some instances, an employee can be out of the work just for a short span of time for disability. In such a case, the employer has to cover the lost wages in terms of that employee. Workers’ compensation coverage helps to pay for half of the usual income of that employee while the person is disabled for the time being.

 · Comprehensive inclusion – Workers’ compensation insurance provides coverage to the existing employees from the very first day. The insurance, being inevitable protection for any employer, provides benefits to both employees and the employer in a number of ways.

Be it life insurance in Belleville and St. Louis IL or workers’ compensation coverage, it would be best to consult an insurance agent before making any buying decision.

[janosikinsurance-blog]

Why Is Proper Business Insurance in Kansas City and Jefferson City MO Required

The employers are responsible to take care of their employees as well as their workplace safety and security. The employers hold responsible for any workplace injury and accident. And thus, having proper coverage under workers’ compensation insurance is a must. While most employers are aware of the common benefits of such insurance, there are some offbeat benefits as well of having workers’ compensation.

Some of them are as follows:

· Vocational rehabilitation coverage – The insurance provides coverage for vocational training expenditure. If any employee gets injured while working and becomes unable to perform the type of job the employee used to do, workers’ compensation covers the cost of getting trained for another job in the same company or the cost of training needed to get a job elsewhere.

 · Legal liability costs – When this insurance was first introduced, it was designed to serve as bargaining tool between the employer and its employees. At that time, employers used to cover the entire cost of legal suits involving an employee injured while working. As of today, legal costs have become exorbitantly high. In fact, it has become financially crippling for the employers. Workers compensation in St Jospeh and Columbia MO coverage comes handy in this matter as it ensures legal liability costs for the businesses, in case a staff gets injured in an accident or incident during the work.

 · Coverage for occupational conditions and illness – In some instances, respiratory issues like chronic bronchitis or asthma may be linked directly to the ability of an employee to work. Such occupational conditions and ailments may have huge negative impact on the quality of life as well as productivity at workplace. Workers’ compensation comes handy to help such employees save money on medical bills while managing their condition and thus enabling them to work at their usual pace.

 · Compensation towards lost wages – It’s already being made clear that this insurance policy covers the cost of disability of the employees – be it partial or total. However, in some cases, the employees may be out of the job for a short period of time. In such a situation, the employer is held responsible to cover the lost wages of that employee. And, workers’ compensation policy provides needed coverage for up to half of the usual income of the employee while the individual becomes temporarily disabled.

 · Special coverage – Workers’ compensation gives employers the ease to include special add-on coverage. They can buy disability coverage for the sub-contractors working with them or coverage of odd situations like injury or disability resulting from an attack such as a terrorist attack during working hours.

These are just some of many unusual coverages that the policy buyers can get by purchasing workers’ compensation insurance. Usually such policy doesn’t cost the employers an arm and a leg. It’s absolutely reasonably priced. Along with business insurance in Kansas City and Jefferson City MO, the employers should buy such policy as well.