April 2005

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.

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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.
 

 


  Suite 1300
  2777 Stemmons Freeway
  Dallas, TX 75207
  (214) 999-9999
  (817) 999-9999
  (800) 989-9999
 

 FOR THE RECORD


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.
 

 FOR YOUR INFORMATION

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.

 FEATURED EMPLOYEE

Click for color photoNita 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.

 

 FEATURED CASE
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.
 HOW CAN WE HELP YOU?
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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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.

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