Can you visualize yourself twenty years later....



(The author is a financial planning coach. Founder and CEO of Money Avenues, a Wealth Management firm based in Chennai. Mail at:  reachyourviews@gmail.com)



A lot of people feel retirement is ages and ages away; hence think they have more than enough time to start saving for their retirement. And that's a real bad idea as procrastination breeds procrastination. 

At Stanford and various other universities, computer scientists, economists, neuro scientists and psychologists are teaming up to find innovative ways of turning impulsive spenders into patient savers.  

Standford researchers seem to have found a solution by nipping this procrastination problem in the bud by experimenting with a virtual reality world which assigns a specific look to the participants who can have a glimpse of their aged visual of themselves. If I want to see my face resemblance after 20 years, this technology precisely helps to do that. 

But the crux of the issue is that, are we ready for our retirement financially after fulfilling all our family and financial commitments.....






Interestingly, findings show that young participants who saw their virtual aged images in the screen said they would save twice the amount of their peers who didn’t view elderly images of themselves. So aging process is scary for most of them, but inevitable...



I roughly attempted to see myself 20 years later and really got scared, not for looking old... but when I thought about my financial future after 20 years.... 

Aging is a natural process.. but plan it wisely and retire peacefully....








Do speak to experts @ Money Avenues to know more about investment opportunities and financial planning for your retirement.



(The author is a financial planning coach. Founder and CEO of Money Avenues, a Wealth Management firm based in Chennai. Mail at:  reachyourviews@gmail.com)

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The Answers to the Most Common FAQs About Pennsylvania Unemployment Benefits

John A. Gallagher is an Employment Lawyer Who Handles Pennsylvania Unemployment Hearings in Chester County, Montgomery County, Delaware County, Bucks County, Philadelphia County, Berks County and Lancaster County

If you find this helpful, you may also want to look at our more recent (and even more comprehensive) Blog addressing Pennsylvania Unemployment questions.  Just Click Here

Can My Ex-employer Stop Me From Getting Unemployment in Pennsylvania?

Oh, yes. And they often try. Two most common ways methods they use to stop you? Claiming you engaged in willful misconduct or that you quit your job without a necessitous and compelling reason.

If I Am Fired for Alleged Poor Performance, Can I Get PA Unemployment Compensation?

Yes, mere poor performance is not a basis for denying unemployment comopensation in Pennsylvania.

Why Would My Employer Try to Stop Me from Getting Pennsylvania Unemployment Benefits?

Only large employers pay for unemployment directly. Otherwise, your claim is paid by an insurance fund that every employer contributes into. Unemployment benefits can be very expensive, so the motivation for large employers is obvious. For small employers? They fight it because they believe their unemployment premiums will go up if they lose. However, in many cases, they fight it because they just don't like you anymore. Ahh, the humanity.

How Does the Application Process Work for Pennsylvania Unemployment Compensation?

Employee files claim electronically or via telephone. The Unemployment Service Center sends request to employer for information about why the separation occurred. Meanwhile, you get a Notice of Financial Determination advising how much in benefits you will get IF YOU ARE APPROVED [Note: Getting the NFD does not mean you have been approved - everyone gets one, even if they were fired for stealing $1 Million from the company]. Once the employer has provided reason for separation, it is compared to your initial application, and the documentation employer sent in. By this time, it is possible that you have already begun to get benefits, but that does not mean you will continue to get them.

Having received the employer's information, a person in the Service Center makes a decision based upon all of the paperwork as to whether you are entitled to benefits. They send out a Notice of Determination setting forth their findings as to your eligibility, and the reasons for their findings. Either you or the employer has 15 days to appeal from this (NO EXCEPTIONS). If no appeal is filed, then the Service Center determination is the final word.

If there is an appeal from either side, a Hearing before an Unemployment Referee is scheduled. The Referee's decision is appealable, but as a practical matter, they are rarely overturned.

What Happens in a Pennsylvania Unemployment Hearing?

Click Here to find out how it works.

What is the Maximum Amount of Unemployment Benefits I Can Get in Pennsylvania?

Roughly $573 per week. If you make $55,000 or more a year, then you will get up to $573 per week, and no more. Roughly, take 10% of your annual earnings, and that is what you are going to get in unemployment benefits each week.

If I Am Self-Employed and My Business Goes Under, Can I Get Unemployment in Pennsylvania?

No. If you own a majority of the company, or exercise control over a Company, then you can't get unemployment, even if the Company files for bankruptcy and it was not your "fault." End of story, I am afraid.

If I Am Getting Pennsylvania Unemployment Benefits, Do I Lose Them If I Take a Part-Time Job?

You may earn up to 40% of your weekly unemployment benefits from a part-time W-2 job without suffering any loss in your unemployment benefits. So, if you are getting $573 per week in unemployment benefits, you can earn $225 per week without losing any benefits. If you earn more than 40% in a given week, your benefits will be reduced in accordance with a formula that unemployment uses. REMEMBER, this assumes you are working as a part-time employee on a W-2 basis....

I Am Getting Pennsylvania Unemployment and Took an Assignment as an Independent Contractor - Am I Disqualified from Getting Unemployment Benefits in Pennsylvania?

If you do work as an independent contractor, PA Unemployment Law assumes you are self-employed. If you are self -employed, you are gainfully employed on a full-time basis (no matter how much or how little you earn). If you are gainfully employed on a full-time basis, you are ineligible for unemployment. So, the question is, can you prove that, although you have done work as an independent contractor, you are not self-employed. The answer is, yes, but it is not easy...Even so, there are a number of defenses to a a finding by unemployment that you are "self employed." 

Can I Get Pennsylvania Unemployment Compensation If I am Receiving Severance?

Yes.

Click Here to go to the Pennsylvania Department of Labor's Frequently Asked Questions page.

You also may want to examine my more recent Blog of Pennsylvania Unemployment FAQs.
Hope that you found this informative. Please use the Comments section to post any questions you may have, and I will respond.


John A. Gallagher, Esquire, Paoli, PA, 610-647-5027, http://www.johnagallagher.com/

Philadelphia Area Unemployment Lawyer Serving West Chester, Media, Norristown, Doylestown, Lancaster, Reading, Philadelphia and surrounding communities.

More questions?  E-mail me directly.






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Everything Phillies

Getting psyched for Opening Day?  Want to see everything Phillies from MLB.com?  Have 45 minutes to kill?  Check out this Link to various videos at MLB.com. 

Want to know what experts have to say about Phils' staff?  Ryan Howard and Jimmy Rollins' views on race in baseball?  See analysis of Roy Halladay's transformation for Blue Jays failure to Phils Ace? Want to learn what Philly won the "X-Factor Award" from MLB.com last year? This site has some awesome videos you have not seen on ESPN, CSNPhilly.com, Comcast or anywhere else.

Have some more time?  Click here to read every notable national prediction on the Phils this year.

Check it out, and let's go Phils!
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Missing the opportunity...


(The author is a financial planning coach. Founder and CEO of Money Avenues, a Wealth Management firm based in Chennai. Mail at:  reachyourviews@gmail.com)



Amazing study on the people on money....


http://www.youtube.com/watch?v=ZsN8FUV9nS4&feature=player_embedded#at=269


My primary interpretation is that "In general, people miss opportunities around them to make more money out of their money (of course not by this way of making money, as this was just a study).... 

The reason being we are so pre-occupied with our day to day life that we tend to miss out opportunities like the people who totally missed to see the money tree in this video...


Do speak to experts @ Money Avenues to know more about investment opportunities and financial planning. Otherwise YOU would miss on opportunities like the people who missed to see the money tree..





(The author is a financial planning coach. Founder and CEO of Money Avenues, a Wealth Management firm based in Chennai. Mail at:  reachyourviews@gmail.com)

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BASEBALL PREDICTIONS FROM EXPERTS AROUND THE COUNTRY

BASEBALL JUNKIES (like me) – immediately below are ESPN’s predictions for team finishes, player awards and some intriguing “what if questions.”

Today, Sports Illustrated’s Baseball Preview issue comes out. The Phab Phive are on the cover, yet most experts are picking the Red Sox to beat the Phils in the World Series. Not me - I got Phils over Yankees.


http://sports.espn.go.com/mlb/preview/2011/columns/story?columnist=stark_jayson&id=6267195

http://sports.espn.go.com/mlb/preview/2011/news/story?page=11expertpicks

http://sports.espn.go.com/mlb/preview/2011/news/story?page=11expertpicksplayers

http://sports.espn.go.com/espn/columns/story?columnist=wojciechowski_gene&page=wojciechowski/110330&sportCat=mlb (this one has a great Vid – 10 greatest Opening Day moments).

If you have read this far, you may be interested in other predictions from other publications and experts. Well, here are a few:

http://mlb.mlb.com/news/article.jsp?ymd=20110331&content_id=17220490&vkey=news_mlb&c_id=mlb

http://blogs.forbes.com/kurtbadenhausen/2011/03/30/baseball-opening-day-business-preview-and-predictions/

http://sportsillustrated.cnn.com/2010/writers/joe_sheehan/12/20/2011.predictions/index.html

http://www.cbssports.com/mlb/story/14875234/season-predictions-bosox-will-grab-most-trophies-including-ws

http://www.cbssports.com/mlb/story/14875265

http://eye-on-baseball.blogs.cbssports.com/mcc/blogs/entry/22297882/28140518

OK, and for posterity – here are my predictions (although, I expect, no one really cares!)

NL:

Phils, Reds, Giants, Rockies (WC) (that’s right, no stinking Braves).

Phils win: 103 games (Chase or no Chase)

NL MVP – Ryan Howard

NL Cy Young – Roy Halladay

Phils over Reds in NLCS

AL:

Red Sox, Twins, A’s, Yankees (WC)

Yanks over Red Sox in ALCS

AL MVP – Adrian Gonzales

AL Cy Young – Felix Rodriguez

World Series: Phils over Yanks in 6

Oh, if you want to see some awesome Videos on various Phillies, Click Here.  You wont find this stuff on ESPN, CSNPhilly.com or Comcast.

OK, that’s a wrap – see you at the Ballpark!
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Ten definitive financial tips for ensuring your child's future...




(The author is a financial planning coach. Founder and CEO of Money Avenues, a Wealth Management firm based in Chennai. Mail at:  reachyourviews@gmail.com)




It's going to be tough and tougher to fulfill the aspirations of the kids of today... Their dreams are getting unlimited and unconventional... The dreams come at a huge cost.. Not so with us when we grew up... It makes a compelling case for planning for their future. Here are ten effective tips for ensuring your child's future...



1. First things first; make your financial plan


 









Fundamental aspect for planning for your child's future is to first plan for your and your family's future. Then comes the other plans for your family. 

A financial planning coach will be an ideal person to plan out these things.



2. Ensure financial security by covering and comprehensively insuring:
























As a responsible parent, its your duty to ensure no mishap ruins the future plans for your family and kids. Ensure you are adequately insured which can give immense financial security to your family.

A financial planning coach can help you assess your needs and advice accordingly..






3.Identify key goals for your child's future, RIGHT NOW:



















It's important that the goals are first identified for planning their future.

The goals can be -
School education 
College education
Entrance coaching for higher education
Overseas education

Everyone carry dreams for their children and their future.. But make it more methodical and systematic by planning for them. 

A financial planning coach can help you identify many more such goals and help plan for them too...




4. Plan for their future, RIGHT NOW:





























Don't delay this process. Whatever goals you aim for your children, plan it Right Now... There is a definite financial cost for the delay one has to pay...


A financial planning coach can help you plan for the future right now...



5. Make a comprehensive financial plan for your child:


















With the help of a financial planning coach, you must make a comprehensive financial plan keeping the goals and the objectives in mind for their future. Not making a structured plan will lead one to no where in the current dynamic scenario.



6. Education is key; plan it RIGHT NOW:












Education is the key for the kids' future. Give them the best by planning for it right now. Proper planning can take you to greater heights in terms of giving them the right kind of education.



7. Plan based on a precise target:


























Any plan which does not aim @ a target is of no use. Whatever goals being planned should have precise targets which should be measurable, attainable, reasonable and time bound targets...


A financial planning coach can assist you with targeted planning.


8. Beware of "Expect the unexpected" factor:






























Planning for children is like playing a cricket ODI. Before getting onto the field one must have a clear game plan. But a smart captain will always expect the unexpected and have ways to handle them. A coach's role is to help the captain with such plans to tackle unexpected situations.


Same is the case with financial planning, as external and internal factors play out now and then..

More so with the kids, as their educational systems are undergoing massive transformation. Fifteen years later, one can hardly guess what kind of scenario would be prevailing then...

A role of financial planning coach is important in this perspective...



9. While planning have an eye over the future costs:







Costs of education are expected to escalate in the future by leaps and bounds. In my earlier blog updates, had estimated future costs to spike exponentially. 

For eg., Professional education which costs Rs. 7.5 lakhs now can cost Rs 61 lakhs after 15 years. 
Foreign education now costing Rs 15 lakhs can cost Rs 1.23 crores ( Yes, 1.23 Crores) after 15 years. These are based on some broad estimates of future costs and they are fairly realistic. 


A financial planning coach can guide to handle these rising costs and maximize your returns accordingly.



10. Keep a track on the plan, ALWAYS...



















Mere planning doesn't work out; they have to be constantly monitored and re-adjusted according to the future scenario. That's why the role of financial planner is very crucial as he is the one who helps you monitor and review the plan.


Do talk to experts @ Money Avenues for making comprehensive children plans.




(The author is a financial planning coach. Founder and CEO of Money Avenues, a Wealth Management firm based in Chennai. Mail at:  reachyourviews@gmail.com)


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Phil's Chase Utley Interview with Todd Zolecki March 28, 2011

Reading the transcript of the interview by MLB.com with Philadelphia Phillies Second Baseman Chase Utley, it does not sound particularly optimistic....

It seems like Chase will need a few more months to get back on the field - and that he could completely reinjure his knee condition the first time he steps on the field.

Perhaps more critically, it does not look like surgery would necessarily fix the problem - that is REALLY troubling.

I hate to see anyone's career at potential risk, and especially our beloved Chase - but I think that, to some extent, that is what we are potentially dealing with (or maybe a move to First Base or into the AL as a DH).  Only time will tell, and I am guessing a few months or more will pass before we (hopefully) see Chase back on the field. 

Godspeed, Chase - You ARE the man.
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Seven financial parenting tips for your kids for this summer...


(The author is a financial planning coach. Founder and CEO of Money Avenues, a Wealth Management firm based in Chennai. Mail at:  reachyourviews@gmail.com)




Summer holidays provide a great opportunity for the parents and the kids to spend lot of time together and share many things. @home, @vacation.. It's also the time you should act as a responsible financial parent and teach them the basics of money, money management and values of life. 

Here are seven tips for becoming a responsible financial parent which can be considered for this summer:





1. Open a savings bank account for your kid and inculcate the habit of saving:



























Open them a bank account and get them familiarized with the financial activities. That's how they get to know how important is handling the money. It also gives them a sense of pride of having a bank account @ an young age which itself could be a good sign of financial responsibility. More than anything else, teaches them the importance of independence...


2. Give them a budget to spend during this summer:





















Assign them a budget to be spent this summer. This sends lot of messages. One, they know what is being spent and how is it being spent. Two, that the money is not easy and should not be taken for granted. Three, they adjust to spend within the allocated budget. Budgeting can also be brought into their daily/weekly allowances.


3. Make them achieve a target and reward them too: 
 
























Give them reasonable and attainable targets for doing things and reward them with cash prizes (and of course do deposit the cash into their bank account :-) . Targets could be on their summer studies, summer activities etc. 

Messages are two in this: One, they develop the competitive spirit @ early stages. Two, money comes as a reward and not as a free gift.



4. Say No to "One" habit of theirs which has a financial implication:


























This summer can be a good opportunity to knock off one unwanted habit of your kid which has a financial implication. It could be a food habit or a wasteful entertainment expenditure or anything which bothers you for sometime. Act now; say no to that habit; and reward yourself too after the success...



5. Invest on them to acquire a new skill:






















Future is about the skills we acquire now. Encourage your kids to take up learning a new skill which can be career oriented and beneficial @ a later stage. A foreign language can be a good example. But any skill which can add value to their future.


6. Teach them that "Money isn't everything":



As mentioned earlier, summer is the time you get a lot of time to be with the kids. And that's the time you can share with them the values of life., mainly "MONEY ISN'T EVERYTHING"... 

Use story telling and your own experiences with them to emphasize that there is a life beyond money. 

Remember, money and wealth you leave behind for them may get over after a point. But the values you leave behind for them go on for generations.... Think about it.



7. Plan for their future and tell them too:



Plan for their future RIGHT NOW!

Make a financial plan for securing their future by doing the following things:

a. Make sure you have enough and more life insurance cover for your family's benefit. It's a paramount security for your family.
b. Make a regular saving for their future which can grow as a big corpus @ a later stage.
c. Make separate plans for their college education, post graduation, foreign education and marriage expenses.

Most importantly, broadly share with your kids of the plans you have made for them. It's to let them know that you are responsible and meticulous about their future. Now the onus is on them to reciprocate... 


Do speak to the experts @ Money Avenues to secure your kids' financial future...




(The author is a financial planning coach. Founder and CEO of Money Avenues, a Wealth Management firm based in Chennai. Mail at:  reachyourviews@gmail.com)

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Seven myths of investing and financial planning

(The author is a financial planning coach. Founder and CEO of Money Avenues, a Wealth Management firm based in Chennai. Feedback can be sent to reachyourviews@gmail.com)



We are growing in our life and our income levels are steadily rising; so does our bodacious goals about our own future. It's highly important that you get the basics right in terms of securing your financial future. Lots of myths hang around the financial planning; let's understand them one by one...




Myth No: 1 - Investing involves tension:





















1.  "No tension for me. My money is safe in my bank"

2.  "Don't want tension. My capital should be safe"

3.  "Don't want tension. I am not keen on returns"


What in life has no tension. We have cleared our school, college exams; got good courses in PG with lots of tension; cleared tough job interviews; waited for right life partners; got admission for kids in the school which is no less easy these days.... So it is a continuous  process.

On the other hand, you should not feel tensed for  planning your investments, but, for not planning your investments. No results come with least efforts. After all its your hard earned money and you need to put in efforts to understand and make your money work harder. 

A financial planning coach can make your planning easy...





Myth No: 2 - Planning is a time consuming and wasteful exercise:





























It may be time consuming but certainly not a time wasting exercise. After all its your hard earned money and you need to spend time on it to make it effective. If this is not your priority list, it will not augur well for the financial future. Anything which earns should money not be a waste of time. As your work earns you money, your money earns more money.... 

A financial planning coach can help you rationalize your time and efforts and guide you maximize the returns.




Myth No. 3 - It adds no value to me:






So OUTSOURCE....

Your core is job something else and  not investing and managing it. It's just a part time job for you. Leave it to a financial planning coach whose job is to manage your money and handle your planning. 

We are in the world and era of outsourcing; It's better you outsource your financial planning needs to a professional.





Myth No. 4 - One needs pots of money to make a plan:




















Millionaire or not, everyone needs financial planning. It's nothing to do with the size of wealth one owns. After all every one has financial goals and objectives to be met @ a future date.

A financial planning coach will be able to guide you through... 




Myth No. 5 - No idea about the future:























Yes. No body has... But that should not deter you from making a plan. On the contrary, you must plan when you are unsure of the future. With the average shelf life of our jobs/careers coming down, its all the more important to plan well in advance for our financial security.

Seek the guidance of a financial planning coach to understand your priorities and goals and plan accordingly.



Myth No .6 - No idea what I want:




























Many times we just don't know what we want. That's true in financial planning as well... Those are the times we just to decide not to decide anything. Indecision becomes a decision. I may have goals and objectives, may not know how to attain them. I may have multiple goals, but no idea to prioritize them and make a plan. But it's critical to have gain some idea about what one wants...

Who else other than a financial planning coach can guide you through on this dilemma...


Myth No. 7 - Not now; I can do @ at a later stage. 





The key mantra to financial success is " Earlier the best". It's better to plan early as there is a huge cost of delay one to has to pay. 

The cost of insuring goes up every year @ every age...
The returns you accumulate over the years depends on how early you start...

The investment options diminish as one grows old... 


Do your financial planning and do it right NOW.... A financial planning coach will guide you through...



(The author is a financial planning coach. Founder and CEO of Money Avenues, a Wealth Management firm based in Chennai. Feedback can be sent to reachyourviews@gmail.com).



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FMLA Atop the Top Ten Things that Trouble Human Resources - The Tricky Part of FMLA Leave Made Simple

John Hollon of TLNT.com recently published an Article setting forth the Top Ten areas of concern for HR Professionals.  Here is the list:

"1.  FMLA (the Family and Medical Leave Act) is the single most asked-about topic. Questions center on: who is covered; what is deemed a serious health condition: and how to control intermittent leave.

Confusing

2.  Advice and counsel for taking such adverse actions as termination, suspension and discipline is a close second to FMLA. Commonly requested information includes: what documentation is needed to fire someone; does a recent Workers Compensation claim or FMLA request affect the decision being made; can the employee sue for termination?

3.  Performance management strategies. Strategies for dealing with a problem employee such as: is it safe to ramp up the heat on a new hire that may not be working out or on a protected-class employee that isn’t responding to counseling? Also, group performance issues concurrent with culture changes or business cycle needs.

To Punch or Not To Punch?
4.  Fair Labor Standards Act (FLSA) issues. Concerns center on correctly classifying a position as exempt, calculating overtime for multiple rates, what travel hours must be paid for an hourly employee, what are federal and state child labor rules. In addition, how much time can we ignore at clock-in or out? Can we round?  Click Here for our analysis regarding misclassification of employees for purposes of avoiding payment of overtime. 

5.  Immigration. Many questions arise regarding I-9 documentation and procedural questions. Such as, what do we do when the SSN comes back a no-match? An applicant has a matching SSN and ID, but we know it is not his. What can we do? And, we’re considering employing an H1-B employee. How complicated is that?
Do We Get Paid for This?
6.  Lunch hour and breaks. Questions about giving breaks and how many per day. Is a lunch period required? What has to be paid versus non-paid time? Can an employee work through break and leave early?

7.  Employee access to personnel files. Does the law require us to allow an employee to see or copy his file? What are the pros & cons of allowing it versus not? We just got a letter from an attorney requesting files. Do we have to send them? We have employees in a few other states. Are the rules different there?

IC or Eee?
8.   Independent contractor versus employee. What’s the difference between an independent contractor and an employee? Why can’t I just pay this person as a contractor and issue a 1099? What constitutes a legal independent contractor status? Who makes the rules?  Click Here for our analysis of the rules relating to Independent Contractors.

9.  Employee privacy. Can we read employee e-mail or monitor Internet usage? What about the use of surveillance cameras? Is it legal? Can we search employees, or their workplace, belongings or cars?

10.  Drug and alcohol issues. Under what conditions can employees be tested? If the employee tests positive, can we discharge? How can a drug test procedure be set-up, what should be in the policy?"

Here is my simple response to the FMLA issue:

FMLA - The Rules

In general - Not at all surprised that Family and Medical Leave Act issues are number 1.

STD Available When You Are Out on FMLA
In general, one is entitled to FMLA if they have worked an average of 25 hours per week or more for at least one year, provided that the company has more than 50 employees. FMLA leave is unpaid, but one cannot be punished for taking FMLA leave. However, you may while you are out on FMLA Leave take sick pay, PTO or vacation pay.  You may also apply for any obtain Short-Term Disability benefits while out on FMLA leave.

FMLA leave is available if you or your spouse has a baby, or you or a loved one that has a serious condition. A serious condition is either 1) a prolonged or permanent condition suffered by you or a close family member that flares up once in a while and causes you to miss a few hours, or more, of work on an intermittent basis (either to care for yourself or the close family member with the condition); 2) a one-time illness or condition (i.e. broken leg, back surgery, etc.) suffered by you or a loved one that causes you to miss work for 3 days or more (either to care for yourself or a loved one), provided you (or your loved one) seek medical treatment for said illness/condition. If you are the one experiencing the injury or illness, the condition must be serious enough that you cannot complete your regular job duties.

Do I Qualify for FMLA Leave?

NOTE: A serious health condition may arise from a malady that constitutes a disability under the American’s With Disabilities Act, such as diabetes, retardation, heart problems, cancer, etc., but it does not have to be of such serious import. If your child has chicken pox, and you take he/she to the doctor, and she/he misses 3 days of school, you are protected under FMLA. 

Tricky part - you or a loved one have a longstanding condition (irritable bowel syndrome, cancer, any one of a myriad of childhood behavioral disorders, epilepsy, diverticulitis, diabetes, debilitating migraines, etc.) that from time to time leave you or your loved one incapacitated, during which time you must care for yourself or your loved one. For privacy reasons, you never tell the company about this situation. Occasionally, you miss work when the effects of these conditions dictate. The company then writes you up for being absent too much. You are eventually fired for poor attendance.

Do you have a claim for violation of FMLA? No, because the company was unaware that your need for intermittent FMLA leave, because you never told them about the medical condition.  You do not need to waive all of your privacy rights in order to obtain FMLA leave by, for example, providing a copy of all of your (or your family member's) medical records to the company.  Rather, you need only have your physician complete an FMLA Certification form generally identifying the condition and certifying that it makes you unable to complete your job duties either because of your own physical limitations, or because you are needed to care for a loved one.

Solution - if you or a loved one has such a condition, explain it to the company, and make sure it knows that you may need intermittent FMLA leave when it kicks up. As far as HR concerns about “controlling” intermittent leave, very little in the way of such control is permitted. Employees simply may not be penalized if they need to leave or miss work due to a health condition beyond their control.  Click Here for a more thorough discussion of intermittent FMLA leave.

For some additional insight on FMLA issues, check out this Article from Manpower.com.


I will discuss some of the other "Top Ten" in the coming days.

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