Wrongful Death in Workers’ Compensation? Not Exactly

wrongful death

The Illinois workers’ compensation system, much like systems across the country, was designed to provide injured workers with a mechanism for recovery from injury that was less costly and faster than litigation. Before the system was created, injured employees whose employers did not take responsibility for their injuries had to take the employer to court and prove that it was liable before they were able to obtain benefits.

Such a system was heavily in the employer’s favor as most employees could not afford to fight their employer in court and receive care for their injuries at the same time. After the creation of the workers’ compensation system, employees who were injured while performing the duties of their position were able to obtain immediate care at the expense of their employer. One area into which this system extends is with regard to death benefits.

“Death Benefits,” or more aptly, Survivors’ Benefits

Unlike lawsuits under wrongful death statutes, families of workers who are killed while on the job must seek any recovery for their loss under Illinois’ workers’ compensation statutes. This is because the family of the worker essentially steps into the place of their loved one and accepts benefits in his or her stead. Not all family members are entitled to survivors’ benefits, however, as the statute specifies exactly who may recover for the loss.

According to Illinois law, full benefits are payable to the spouse and/or children of the deceased worker. These benefits continue indefinitely until the spouse remarries, or the children reach a certain age (with an exception for dependents who are physically or mentally disabled). If the worker has no spouse or children, the survivors’ benefits can be payable to any dependent parents, grandparents, or other heirs who were “at least 50% dependent” on the employee at the time of his or her death.

As stated previously, the workers’ compensation system is designed to ensure that workers receive prompt and effective care for injuries, without regard to who was at fault for the incident causing the injury. This system protects employers as much as employees and was designed to provide as much of a “win-win” situation as possible whenever a traumatic event occurs in the workplace. Employers benefit from less time they must operate without the injured employee because faster treatment often leads to less time the employee is out of work.

Further, both parties are encouraged to continue to move forward after an incident rather than become embroiled in protracted litigation to prove who or what was at fault for the accident. This system can provide closure in the event of an employee’s death for the employer as well as the survivors by allowing for a mechanism through which the circumstances surrounding a loved one’s death is neither ignored nor drawn out unnecessarily.

Need a guide?

Even though the workers’ compensation system was designed to allow for fairly swift recovery in the event a loved one is injured or killed in the workplace, there are rules that must be followed in order for a survivor to recover the benefits to which they are entitled. If you or a loved one has been injured in the workplace and you have questions about recovering against an employer, call the Law Offices of Robert T. Edens, P.C. in Antioch today at (847) 395-2200. Our attorneys have years of experience fighting to protect workers and ensure that they receive what they are owed quickly, despite an employer’s recalcitrance.

Workers’ Comp Adjusters Don’t Want You To Get Paid?

Insurance adjusters will do everything they can to deny a workers’ comp claim so the company can line its pockets. That is why the insurance industry is worth trillions of dollars, and the CEOs are some of the highest-paid compared to other sectors. So even if you are eligible for workers’ comp, their adjusters will do almost anything to boost their employers’ bottom line.

If you find yourself in this situation, consider hiring experienced Antioch workers’ comp lawyers.

Common Tactics Adjusters Use To Deny Workers’ Comp Claims

A workers’ comp claim or benefits may be denied due to a lack of documents or technical errors. But they may also use underhanded tactics to set the stage for a denial. Some of them include:

Insisting They Need A ‘Recorded Statement’

An insurance adjuster that insists they need your recorded statement before they can proceed does not have your best interests at heart. Nothing in the workers’ comp statute says you need to provide one even if the insurance company has a policy. It doesn’t mean injured workers have to oblige and failure to do so is NOT grounds for legal denial.

Antioch workers’ comp lawyers will tell you that if an adjuster asks for a recorded statement post-accident, you may not be in the right state of mind to answer questions. In this case, they may pounce and make you incriminate yourself on the recorded statement. You will give up your rights if you agree to this, and you don’t have to.

The adjuster may also trick you into denying your claim during the interrogation. This includes giving you misleading advice meant to disorient or confuse you into trusting them. Remember, they work for the insurance company, not you. Ensuring you get compensated is the last thing on their mind.

Telling You That the Settlement Offer Is ‘Reasonable’

The insurance company cannot verify that the settlement amount is fair and reasonable even if their adjusters claim so. Just ask them if they can verify their claim, and you will get your answer. They cannot prove that anyone with similar injuries can never receive more than their offer.

However, you won’t realize you are being fooled unless you are skilled at negotiating and settling workers’ comp claims. Without using skilled Antioch workers’ comp lawyers who can negotiate a better settlement, you may end up accepting a sum that is far less than what is expected from such injury claims.

The bottom line is that you don’t have to give a recorded statement or negotiate a settlement with the insurance adjuster. You aren’t obliged to, and you do more harm than good. At this point, you should stand your ground and refuse to speak to the adjuster till you have your attorney present. Your employer and the insurance agency can afford it, so you shouldn’t hesitate.

Contact The Law Offices Of Robert T. Edens For A Consultation Today!

If your employer is refusing to compensate you for a workplace injury or the insurance company is trying to deny your claim without cause, contact The Law Offices of Robert T. Edens today. Our highly experienced lawyers have represented people like you backed into a corner by insurance adjusters. You don’t have to give them any information that you are uncomfortable divulging. Contact us for a consultation today. We can develop a strategy to ensure you get the max compensation you deserve.

How to Avoid Spinal Injuries When Diving

Spinal InjuriesDiving can cause serious spinal injuries, but these are preventable if precautions are taken beforehand. A single dive can result in disabilities that impact your quality of life. Most diving injuries occur in swimming pools, creeks, rivers, lakes, and other swimming holes.

How You Can Injure Your Spinal Cord During A Dive

A spinal cord injury results from severe trauma to the bundle of nerves in the bone that run from the base of the brain to the waist. This can happen during a poorly planned dive. For example, if the diver plunges headfirst into the shallow part of a pond, their head may hit the bottom hard enough to result in this injury.

When the head strikes the bottom, the vertebrae covering the spinal cord collapse, thus preventing the nerves from transmitting signals to and from the brain. This usually leads to paralysis, but depending on the location of the injury, you can suffer from other debilitating complications as well.

This is understandable. When the entire weight of our body hits the bottom of a pool, the sheer force of the impact has an immense effect on the cervical spine. Most of these accidents occur in water that is less than three feet deep, so paralysis is imminent in most cases. According to an experienced Grayslake spinal cord injury lawyer, a preventable accident can result in permanent machine dependency.

How to Avoid Diving Spinal Injuries

Some of the best ways to avoid spinal injuries from a dive include the following:

  • NEVER dive into the shallow end of a pool. There is a reason there are no diving boards there.
  • Always enter feet first into the water. Don’t guess the depth and dive in headfirst.
  • Do not drink alcohol before a swim or dive. It will impair your judgment, and you may dive in without taking precautions.
  • Don’t dive if you are inexperienced. Water may look soft, but it cannot cushion you sufficiently if you dive in headfirst. Your body enters the water like a torpedo. The water may not be able to protect you from serious impact. Experienced divers know how to prevent serious injuries when they dive.
  • Don’t think you can dive anywhere safely because you are an experienced swimmer. You may be taller than before, and each body of water is different.

Top Signs of a Spinal Cord Injury

A spinal cord injury is imminent if you fail to take the precautions mentioned above before a dive. If you experience these symptoms post-dive, call emergency services immediately:

  • Weakness in your limbs.
  • Cuts and bruises across your face.
  • Tingling and numbness in your arms and legs.
  • Difficulty breathing.
  • Partial or complete paralysis.
  • A tender back or neck.

Contact the Law Offices of Robert T. Edens and Get the Compensation You Deserve

You deserve fair financial compensation, whether you suffered a spinal cord injury during a dive or a car accident. Why should you pay out of pocket for someone else’s negligence? Get in touch with a compassionate and experienced Grayslake spinal cord injury lawyer from the Law Offices of Robert T. Edens today. We have years of experience fighting for the rights of spinal cord injury victims such as yourself and can ensure you get the compensation you deserve.

How Personal Injury Awards In Illinois Are Decided

Personal InjuryAs a personal injury victim, you are entitled to an amount from the negligent party based on the extent of the damages you suffered. By “damages”, we mean measurable harm that you sustained because of a personal injury. These can vary from one case to another. An experienced Antioch personal injury lawyer can analyze the harm you suffered and calculate appropriate damages.

Common Personal Injury Damages You Can Claim 

Some of the common personal injury awards you can claim as per the extent and type of your injuries include the following:

Economic Damages 

As is apparent from the name, economic damages refer to financial losses you may suffer because of your injuries. Besides your medical bills, this includes wage loss as you find yourself unable to fulfill most, or all of your work duties post-accident. It can also include expenses that cover rehab and loss of earning capacity as you are forced to take on a less-taxing job if your disabilities are permanent. 

How it is calculated 

An Antioch personal injury lawyer can quickly and easily calculate economic rewards for personal injury settlements. They need to add up all of the financial losses you are going through. So, for example, if you have a $30,000 medical bill, spent $10,000 in rehab, and suffered income loss amounting to $10,000, the damages will total $50,000. 

Non-Economic Damages 

Non-economic damages refer to the harm you may undergo because of the accident. These are not quantifiable. Besides pain and suffering, this can also include emotional (depression, anxiety, and PTSD) and physical pain (headaches, nerve pain). 

How it is calculated 

Determining non-economic damages is not as straightforward as economic damages since they aren’t tangible. Placing a price on someone’s pain and suffering is a monumental task. In this case, a jury will decide how much it is worth, but they are given few guidelines to do so. Both parties usually recommend an amount, but the jury does not have to pick one side. An Antioch personal injury lawyer will consult with you before putting an amount forth. 

Punitive Damages 

Punitive damages are not meant to compensate victims but to punish the defendant for highly egregious behavior. The funds from these damages are usually paid to the state, not the victim. 

How it is calculated 

There is no cap as to the number of punitive damages that can be demanded in Illinois. They are eligible for any situation where a defendant exhibits intentional or extremely negligent actions that harmed the plaintiff. Calculating it falls to the court. 

Contact The Law Offices Of Robert T. Edens, P.C. For The Compensation You Deserve 

If you have been injured because of someone’s negligence, you deserve to get maximum compensation. In this case, an experienced Antioch personal injury lawyer from The Law Offices of Robert T. Edens, P.C. can prove invaluable. We have more than two decades of experience protecting the rights of accident victims such as you and we ensure you get the compensation you deserve. The longer you wait, the more complex your case can get. Get in touch with us for a consultation today!

What Are the Four Types of Workers’ Compensation Benefits?

Workers CompensationWorkers’ compensation ensures employees who are injured on the job are taken care of and don’t have to pay out of pocket for their medical bills. If you were harmed during work, you are owed four types of workers’ compensation benefits depending on your state post-accident. These can include salary benefits, vocational rehab, and medical coverage.

Top 4 Types of Workers’ Compensation Benefits

Some of the workers’ compensation benefits you may be entitled to include the following:

1. Temporary Total Disability

If your doctor says you have to practice certain restrictions at work or gives restrictions that your employer cannot ignore, you are eligible for temporary total disability (TTD) benefits. The payments are two-thirds of the gross average weekly salary you earn over the last 52 weeks before the day of your injury.

2. Temporary Partial Disability

Say you can return to work after your workplace accident, but your injuries force you to work in a lower capacity. In this case, you may have your hours reduced, take on achievable or less-demanding roles or even earn a lower salary. In this case, you are eligible for temporary partial disability (TPD) benefits.

These benefits are two-thirds of the difference between your original and existing (post-accident) average weekly income. The amount cannot exceed $450/week, and it is usually paid for 350 weeks starting from the day you were injured.

3. Permanent Partial Disability Benefits

If you get a permanent disability because of a workplace accident but do not get the above benefits, you may be eligible for permanent partial disability (PPD) benefits. Employers in Illinois have to pay these benefits to workers who suffered from physical impairment, amputation, or disfigurement caused by a workplace accident.

It is usually paid to workers who have reached maximum medical improvement. These benefits are calculated as per the degree of disfigurements such as burns, cuts, abrasions, skin grafts, loss of skin, etc. You and your employer have to establish the number of weeks for benefits, and if you cannot agree, an IWCC arbitrator can. The maximum number of weeks you can get is 162. The established duration is multiplied by 60% of your weekly wages to determine the total amount.

4. Death Benefits

If a worker dies because of a workplace accident or from injuries/illnesses sustained from workplace practices, their dependents may qualify for death benefits. These are income replacement benefits that include funeral and burial expenses.

Important noteA workers’ compensation lawyer in Waukegan will tell you that pain and suffering damages are usually one to three times the cost of your medical bills and lost wages.

Contact Robert Edens for a Consultation Regarding Workers’ Compensation Benefits

Getting appropriate workers’ compensation can be a challenge. The process is quite complicated, and your claim can be denied for several reasons unless you hire an experienced workers’ compensation lawyer in Waukegan from The Law Offices of Robert T. Edens. We have been fighting for the rights of employees like you in Illinois for decades and know what it takes to ensure you get the compensation you deserve. Get in touch with us for a consultation today!

What Is The Average Payout For Workers’ Compensation In Illinois?

workers compensationA work injury, or even an occupational disease, can disrupt your life, health, finances, and overall wellbeing for years. Workers’ compensation is an insurance system designed to compensate you for these losses if you are injured in a workplace accident. The benefits or payout you receive will depend on your existing condition and wages before you were injured.

Determining a settlement for a work-related injury can be a challenge without help from Antioch workers’ compensation lawyers. That’s because you need to consider several factors to determine the total amount. The compensation usually covers reasonable medical care that you need in order to recover from your injuries.

Determining the Average Payout for Workers’ Compensation

Your Antioch workers’ compensation lawyers will evaluate your case based on certain factors before they come up with a compensable payout:

Scheduled injuries

As per Illinois law, you can receive compensation for the maximum number of weeks for different body parts injured at work. Here is a complete list you can go through. You can determine the total compensation you are owed by multiplying 60% of your average weekly salary by the total number of weeks for the injured body part. Here is an updated list of maximum and minimum weekly benefits for workers’ compensation in the state you should also look into.

Loss of Ability to Perform a Task

Compensation for loss of ability post-injury is calculated differently. The loss percentage is multiplied by 500 to determine the number of weeks of compensation for the worker. These are then multiplied by 60% of the worker’s weekly average salary.

Wage Differential

If a workplace injury forces the worker to accept another job that doesn’t pay as much as the old one, they are owed two-thirds of the wage difference between the two.

Why Workers’ Compensation Calculators Don’t Work

No matter how accurate an online workers’ compensation calculator may seem, they are far from accurate. Some insurance companies try to dupe their policyholders into using them to fool them into accepting a lower claim.

The issue is obvious – these calculators are biased in favor of insurance companies. Too many factors are involved in calculating compensation. An automated solution cannot determine an exact amount. You need to wait till you reach maximum medical improvement (MMI) before your Antioch workers’ compensation lawyers can determine a precise settlement value. They will discuss all aspects of your claim before they tell you about the payout you are entitled to.

Contact The Law Offices of Robert T. Edens for a Consultation

The Law Offices of Robert T. Edens have represented workers whose compensations have been denied by insurance companies and employers for years. We have more than two decades of experience fighting for their rights and can also get you the compensation you deserve.

So if you or someone you know has been injured at work and their workers’ compensation has been wrongfully denied, get in touch with us for a consultation today. We will take a detailed look at your case before creating a strategy that can work for you. We have recovered millions for our clients and are confident that we can do the same for you if need be.

How a Helmet Can Save Your Life in a Bicycle Accident

bicycle helmetWhether you ride a bicycle for leisure or sport, a helmet is an essential piece of safety gear you cannot ignore. Besides preventing traumatic brain injuries, wearing one will also make you more visible on the road so you can avoid a bicycle accident.

How Bicycle Helmets Work

A bike helmet has a hard outer shell and a soft lining inside. The former protects the head if you fall by spreading the impact area and thus, prevents head injuries. The smooth outer shell allows the head to slide across the impact surface without making the neck jerk. The soft lining limits the impact by absorbing the force of the accident. Both work together to reduce the impact on your head, which may otherwise lead to a fractured skull, brain bleed, or worse.

How to Choose A Bicycle Helmet

Experienced Antioch bicycle accident lawyers will tell you that your helmet choice should depend on its specific use. For instance, a BMX cyclist will have a sturdier helmet than one who rides their bicycle for leisure on the road. Whether you are the former or the latter, follow these general tips as outlined by the Centers for Disease Control and Prevention to choose a suitable helmet:

  • Make sure the helmet fits snugly over your head. There should not be any spaces between the foam and your head inside. Get a looser one if the helmet squeezes your head like a vice. A tight fit will cause headaches, increasing your chances of getting into an accident.
  • The helmet size can differ between manufacturers. So whether you know your size or not, always try one on before buying it.
  • Check the recall date on each helmet beforehand. If it has the US Product Safety Commission (CPSC) label, that means it passed federal safety standards and crash tests successfully.

When Should You Replace a Bike Helmet

If you are involved in a bike crash, get a new helmet afterward, even if your existing one looks undamaged. Hidden damage such as compressed foam or cracks can compromise its structural integrity to the point that it won’t be able to protect your head later. For the same reason, never buy a second-hand helmet from friends, online, or any place for that matter. You don’t know what it has been through and the damages it may have sustained under someone else’s ownership.

Contact Robert Edens for a Consultation Regarding a Bicycle Accident

If you or someone you know has been injured in a bike accident, you need Antioch bicycle accident lawyers to get the compensation you deserve. At the Law Offices of Robert T. Edens, we understand how insurance companies work and the aggressive tactics they can use to reduce your claim. We are not afraid to get equally aggressive if you are not compensated for damages and medical bills. Our lawyers have more than 20 years of experience representing victims such as you and have a successful track record to show for it. Get in touch with us for a consultation today.

Do Motorcycle Accidents in Illinois Increase in the Spring?

Motorcycle AccidentAs the weather turns pleasant to herald spring, and we are starting to see an end to the pandemic, people want nothing more than to feel the wind in their faces. Many switch to motorcycles to get that feeling. While motorcycle accident rates have decreased slightly in Illinois, springtime sees its fair share of accidents.

Why Motorcycle Accidents Increase In Spring

Some of the factors that can increase bike accidents in the spring include the following:

  • An increase in drunk driving, especially around springtime holidays.
  • An increase in traffic due to spring vacations and road trips.
  • An increase in the number of new or inexperienced drivers on the road.
  • New road construction projects are often scheduled during this pleasant season.

Top Safety Recommendations for Motorcyclists

Irrespective of their experience and the weather they ride in, motorcyclists can save themselves from serious injuries by following these safety tips:

Always Wear a Helmet

A helmet has a double lining that protects your skull in case you take a tumble off your bike. Whether you are traveling a short or long distance, always wear one.

Increase Road Visibility

Drivers are notorious for missing motorcyclists when they are on the road. The danger increases during the spring since they are used to sharing roads with other cars rather than motorcyclists during the winter. So make sure they can see you a mile away by keeping a safe distance. Also, wear bright colors and make sure your headlights are on if you ride at night. Add reflective tape on your bike and jacket to be visible during the daytime.

Follow All Traffic Rules

Traffic rules and laws are there to save lives. So always use turn signals and do not change lanes on a whim. By being a careful driver, you can ensure other drivers are aware of the actions you take so they can maneuver accordingly.

Remain Within the Speed Limit

Speeding is one of the fastest ways you can get into a severe and life-threatening accident on your motorcycle. Ride within the speed limit to prevent this from happening. It will keep you and other drivers safe on the road.

Never Drive Drunk or Distracted

If you drive drunk or use your phone while trying to manage a motorbike on the road, you are highly likely to get into a severe motorcycle accident that may prove fatal. Turn off your phone and do not take anything before hitting the road.

Ensure you have adequate insurance in place if you ride your motorcycle frequently. Many insurance companies reduce their coverage and premium charges during the winter so you can get a good package before spring.

Contact the Law Offices of Robert T. Edens For A Motorcycle Accident Claim

If you have been involved in a motorcycle accident and the other party’s insurance company or yours is refusing to pay up, contact our Waukegan motorcycle accident lawyers at the Law Offices of Robert T. Edens. We have more than two decades of combined experience aiding victims like yourself and ensuring they get the maximum compensation they deserve.

What Types Of Boats Are Most Susceptible To Capsizing?

capsizing boatsWhen you are out to sea, and your boat capsizes, there is nothing you can do but wait to be rescued. Capsizing boats are quite common, but you can prevent a deadly mistake if you know which type is likely to sink.

Types of Boats That Are Likely To Capsize

Small boats such as canoes, kayaks, and sailboats are more likely to capsize than heavy-bottomed boats. This is because the latter becomes unstable easily on the water since they have a weight limit. That doesn’t mean larger boats cannot capsize at all. To know that any boat can go under, you only have to see how the HMHS Britannic sank.

However, unlike a large boat that sinks quickly, a smaller capsizing boat usually remains afloat, so it provides survivors with a makeshift raft as they wait to be rescued. Kayaks and canoes can also be flipped right side up by a single person, and even a sailboat can be righted with several people.

In other words, while small boats are more likely to sink than larger ones, you have higher chances of surviving the former than the latter.

Why Weight Matters

Weight distribution and amount are responsible for capsizing boats more than anything else. Here are some ways how:

  • Older boats gain weight over the years as they store more gear or as the hull absorbs water.
  • Small boats can capsize easily even if you bring an extra person or a loaded cooler on board.
  • Cockpit drains can flood if the boat is overloaded, which in turn can make it capsize.

Most 20-feet boats need floatation and a capacity plate that shows the amount of weight they can carry without submerging. The boat will capsize even in calm waters if you exceed those limits. Operators will also ticket you for exceeding weight limits.

‘Underway seating positions’ determine safe passenger loads on small boats. For example, two slim adults who want to take five children on a boat designed to accommodate four people are playing with lives. Even if the total weight is lower than the boat’s capacity, anything can happen to tip the scales.

Weight distribution is also as important as the number of people on board. If several people rush to one side of the boat to see dolphins, for example, the boat will tip to that side and take on water. Capsizing will be imminent.

Contact Robert Edens for a Boating Accident Case

If you have been in a boating accident and suffered damages, you deserve compensation either from the at-fault party or the insurance company. Get in touch with boating accident watercraft lawyers at the Law Offices of Robert T. Edens for a consultation regarding your legal options today.

We have been representing boating accident victims such as you for the past 20 years and are proficient in personal injury cases. The other party and their insurance company are working to deny your claim as we speak. Don’t wait. Contact our team of professionals to protect your rights. We will ensure you get the money you deserve so you don’t have to pay for damages out of pocket.

Why Do Workers’ Comp Adjusters Try To Keep You From Getting Paid?

workers compIf your Illinois workers’ comp was declined, your employer might not be the only one to blame. Claims adjusters are paid to ensure that claimants get as little as possible. That’s how insurance companies make money. Unfortunately, because of this, millions of deserving injured workers are denied compensation that can help them pay for their medical bills and future treatments.

 

Why  Workers’ Comp Adjusters Try To Deny Your Claim

As mentioned, insurance adjusters work for the insurance company, not a charity. They are in it to make a profit. They follow a complex business model that ensures the house (the insurance company they work for) wins every time.

 

Insurance companies collect hefty premiums, use them to invest in other ventures, and pay off as few claimants as possible so they can keep the leftover money. In other words, their job is to pay as little as possible irrespective of the type of claim you have. Their adjusters can also deny claims completely for this.

 

They aren’t out to get you. That’s just how they work within the system. However, this doesn’t mean you cannot call them out on it. Antioch workers’ comp lawyers understand that system and can work with the adjuster to resolve ‘disputes.’ While denying your claims is part of the latter’s job, that doesn’t mean you should put up with it when your finances and health are at stake.

 

Why Employers Can Try To Deny Your Claim

Employers pay premiums for workers’ compensation insurance coverage because they have to from a legal point of view. These are based partially on the claim amount the insurance company can pay in claims.

 

So if one of their employees is out for the count for months because of a workplace injury and requires compensation for surgeries or physical therapy or is permanently disabled, the insurance company may increase those premiums.

 

Employers who want to keep those prices down may deny claims whether they are valid or not. This can happen if multiple employees file Illinois workers’ comp claims one after another in a very short period, which can cause a spike in premiums.

 

Some employers fight these claims to discourage other employees from filing future claims. If you have seen a colleague being harassed or fired for this request, you may think twice about filing one yourself, even if you are seriously injured on the job. Similarly, if a coworker fought for years to get the compensation through the court but their claim was denied because of inexperienced lawyers, you may be discouraged further.

 

Contact the Law Offices of Robert T. Edens for a Consultation Today

If you or someone you know has been injured in the workplace and your employer or the insurance company has denied your claim, contact the Antioch workers’ comp lawyers at the Law Offices of Robert T. Edens today! We will take a detailed look at your case and develop a strategy that can ensure you get the maximum compensation you deserve.

The evaluation is completely FREE of cost, and you will not have to sign anything at that stage. Our advice will be priceless. Contact us today.