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April
2005
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Why Are You Getting This Newsletter?
This free e-mail newsletter is sent to current and
former clients of our law firm, to those who
have specifically asked to receive it, and to
those who have contacted our firm for legal
advice in the past.
If the newsletter is being sent to you
in error, please follow the instructions at
the bottom of this page and you will
immediately be removed from our list of
subscribers.
If you know someone who might enjoy receiving
this free e-mail newsletter, please send us that
person's e-mail address.
Kraft & Associates will never sell or give
your e-mail information to anyone outside our
law firm. |
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Are You Safe From Identity Theft?
The recent disclosure by Lexis-Nexis that
personal financial information on more than
300,000 citizens has been stolen from their
Web site is only the latest in a string of
such security breaches.
The thieves, who obtained information
including addresses and Social Security
numbers, did not hack into the computer
system. Instead, they were able to fool the
company into giving out password information
To learn more about Identity Theft and how
to protect yourself from it, go to this
ABC News site and click on "Is Your
Identity Safe?" for a short quiz.
Free Legal Advice?
Yes, at Kraft &
Associates we are glad to provide our clients
and friends with free information on a variety
of subjects. If you want details about how to
lower your automobile insurance rates,
Texas Workers' Compensation law or
Social Security Disability claims please call
or write us and we will send you any of these
brochures without charge or obligation. |
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Suite 1300
2777 Stemmons Freeway
Dallas, TX 75207
(214) 999-9999
(817) 999-9999
(800) 989-9999
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FOR THE RECORD |
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Free "Living Will" Form
The tragic
situation involving the family of Ms.
Terri Schiavo in Florida, has focused
much attention on the document commonly
referred to as a "Living Will." In Texas,
this document is actually called a
"Directive to Physicians and Family or
Surrogates." Here are a few
simple questions and answers about
"Living Wills" and some related documents:
What is a Living Will?
This is a document (in Texas, referred to as a Directive to
Physicians and Family or Surrogates) that allows you to tell
doctors and hospitals in advance that
you do not want to be kept alive on
support systems if there is no hope of a
recovery to a normal life.
Do doctors have to honor such
directives?
Yes. In fact, if your doctor chooses not to honor your Living Will,
he or she is legally bound to find you another
doctor who will honor it.
Can I change my mind if I have made
such a declaration?
Yes. You can cancel your Living Will by revoking it or simply by
destroying it. Be sure you destroy all
copies of the document.
What other documents are related to
Living Wills?
You should also consider preparing a "Medical Power of
Attorney" and a "Do Not Resuscitate"
form. The Medical Power of Attorney
gives authority to a person of your
choosing to make medical decisions for
you if you are incapacitated, and unable
to make decisions yourself.
The out-of-hospital Do Not Resuscitate form instructs emergency
medical personnel and other health care
professionals to forgo resuscitation
attempts, and to permit the patient to
have a natural death with peace and
dignity.
Obviously, if paramedics do not know you have a Do Not Resuscitate
form, it does you no good. However, you can wear
a Do Not Resuscitate necklace or
bracelet to notify them. For information
regarding a Do Not Resuscitate
identification device, contact the Texas
Department of State Health Services at
(512) 458-7111.
Can I prepare the Living Will and
other papers myself?
Yes, but we recommend you consult an attorney for the preparation
of a Living Will. If you do decide to
prepare your own Living Will, without
the advice of an attorney, you can click
on these links to view sample
Living Will,
Medical Power of Attorney, and
Do Not Resuscitate forms. These
forms can be printed and filled in
appropriately.
Again, we recommend you have an attorney prepare these papers. If
you do them yourself, be certain to read
them very carefully. Some of the
language can be confusing, and you must
remember that when these documents are
used, you may be unable to communicate
your wishes. Be sure you understand
exactly what you are signing.
Who should know about my Living Will
In addition to letting your spouse, parents, and older children
know about your Living Will, it is a good idea to discuss and send a copy of your Living Will to
your physician and to any family member
who might be in a representative
position for you, such as the person
named as executor in your will. This
should help ensure that your intentions
are carried out in the event your Living
Will has to be used.
Where should I keep my Living Will?
The original should be kept in a fire-proof place, such as a safety
deposit box. Just be sure someone other
than yourself is able to get to your
Living Will if it is needed.
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YOUR INFORMATION |
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Failure to Regulate
Insurance Companies Costs Texans Billions
Texas politicians talked tough and passed
legislation to stop insurance companies from
overcharging. Unfortunately, regulators
failed to enforce the law.
Excerpts from an editorial in the Houston
Chronicle, dated April 2, 2005:
Two years ago, Texas legislators approved a
bill designed to provide rate relief for
citizens faced with skyrocketing home and
auto insurance premiums. It mandated that
the Texas insurance commissioner identify
insurance overchargers and compel companies
to offer rates in line with their profit
levels.
If the findings of a report by two consumer
watchdog groups are accurate, the bill has
been a bust. According to officials of the
Center for Economic Justice and Texas Watch,
the insurance industry overcharged customers
in the state by $4 billion in 2004,
including on average $600 per home and $200
per vehicle insured.
The analysis was performed by the former
chief economist for the Texas Department of
Insurance. It used the department's
statistical models to determine overcharging
and plugged in the most recent profit-loss
figures reported by the insurance companies.
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| FEATURED
EMPLOYEE |
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Nita
Maki
Office
Administrator
E-mail:
nmaki@kraftlaw.com
Ms. Maki joined our law firm in 1985.
She has more than 20 years of experience as
a personal injury law firm employee, both with this firm and with other
local personal injury law firms. Ms. Maki serves as our firm's
Office Administrator, and is responsible for all secretarial training
and for many other law firm administrative and marketing functions. |
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| FEATURED
CASE |
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Our law firm is
accepting cases related to side effects from the
hormone replacement therapy drug Prempro, and
several other such medications. We can assist you in
making a claim under these circumstances:
Pulmonary embolism, heart attack, stroke, or
blood clot event -- You took hormone therapy
replacement drugs for 12 months or less prior to the
event. If you took the drugs for more than 12 months
before the event, it is very difficult to prove the
drugs caused the event.
Breast cancer -- You took hormone therapy
replacement drugs for three years or longer before
the diagnosis of cancer, and have positive hormone
receptors as part of the diagnosis. This is referred
to as "hormone positive" cancer.
Other cancers -- You took hormone therapy
replacement drugs for three years or longer before
the diagnosis of cancer. These hormone-related
cancers are normally limited to ovarian, gall
bladder, uterine, and sometimes other types.
To get more information about the ways we can help
you with your Prempro claim, please visit our Web
site at
www.PremproAnswers.com, send an e-mail to
info@kraftlaw.com, or just pick up your phone and
call us at (800) 989-9999. There will be absolutely
no charge or obligation for a consultation with our
firm. |
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| HOW
CAN WE HELP YOU? |
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Our law firm has helped thousands of clients
over the years. Sometimes clients who use
our firm for one type of case may not
realize that there are other legal problems
we could help them solve.
We handle
most types of injury claims — including
automobile collisions, "slip and fall"
cases, injuries suffered as a result of
defective products, injuries resulting from
inadequate security, medical malpractice
claims, nursing home negligence claims,
prescription drug injuries and many others.
We invite you to call us about any
serious injury to see how we can help you.
Kraft & Associates also represents people
who have been denied their Social Security
Disability benefits. We can help at the
Initial stage, the Reconsideration stage or
the Hearing stage.
Our firm represents people who have been injured on
the job and are making a claim for workers'
compensation. We help people who have problems
regarding family issues, such as divorce, child
support, adoption, modifications, enforcements,
attorney general disputes, paternity and other similar
matters. We also represent clients who have been
arrested or charged with committing a crime.
Please feel free to call us with any
legal questions you may have. If we cannot
represent you, we will attempt to refer you
to another attorney or to a government
agency that can help you. There is never any
charge or obligation for our initial
consultation. |
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Copyright
© 1997- 2004 Kraft & Associates : Attorneys at
Law, P.C. All Rights Reserved Worldwide. Personal Injury,
Automobile Accident, Wrongful Death, Nursing Home Negligence,
Social Security Disability.
DISCLAIMER:
This newsletter is presented by Kraft & Associates for
informational purposes only, and not as legal advice.
Not Certified by the Texas Board of Legal
Specialization.
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