Articles by Our Attorneys

With a New Year starting, it’s a perfect time to review your Car Insurance Policy and make sure that you have the right coverage to protect yourself and your family if you happen to cause or be injured in a car accident.

Even if you already paid to renew your Policy, changes can be made at any time online or by making a phone call to your agent. Consider these five tips and Bonus Tip:

1. Choose Full Tort Not Limited Tort – In Pennsylvania, you have to choose whether you want Full Tort or Limited Tort. Full Tort is slightly more expensive coverage but it protects your full rights to compensation if you are injured in a car accident caused by someone else. Limited Tort is cheaper coverage but your legal rights are limited. With Limited Tort, you are able to recover compensation for economic damages like medical bills and lost wages but cannot make a claim to be compensated for disability and pain and suffering unless you suffer a “serious injury”. I have talked to hundreds of clients who thought they had “full coverage” but were very disappointed when they learned that their legal rights were impaired due to Limited Tort.
2. Uninsured and Underinsured Coverage – This is coverage that allows you to make a claim against your own insurance company to be compensated for personal injuries sustained by you or a family member if the driver responsible for the collision has no insurance (Uninsured) or not enough insurance (Underinsured) to cover all of the injuries and damages. The Uninsured/Underinsured claim has no impact on your insurability or insurance rates because you pay premiums for the coverage. I recommend that every family have at least $100,000.00 of Uninsured/Underinsured coverage if not up to one million or more to protect from catastrophic injuries.
3. Increased Medical Coverage – Pennsylvania works on a no-fault system, so regardless of who is at fault for causing an accident, your own Car Insurance pays your medical bills up to the amount of your coverage. The minimum and most common amount of Medical Coverage is $5,000.00 but I recommend that people consider purchasing much more for two reasons. First, increased medical coverage is very inexpensive. Second, the coverage will pay for your medical bills without any co-pays or deductibles. With most people having high deductible Health Insurance plans nowadays, increased medical coverage on your Car Insurance can be very beneficial.
4. Lost Wage and Accidental Death Coverage – In Pennsylvania, Lost Wage and Accidental Death Coverage is optional, not mandatory. Like medical coverage, these benefits will be paid regardless of who was at fault for causing an accident. If you do not have significant disability coverage or Life Insurance coverage, it’s important to have this coverage on your Car Insurance.
5. High Liability Limits and an Umbrella Policy – If you cause a car accident, your personal assets can be at risk if you don’t have enough Liability Coverage to make up for the injuries and damages. In Pennsylvania, drivers are allowed to have the state minimum of $15,000.00 of Liability Coverage per person. I recommend that you have much much more in order to protect your personal assets if you cause a serious accident. Liability of coverage of at least $100,000.00 or potentially much more if you can afford it is advisable.

In addition, you should talk to your insurance agent about purchasing an Excess or Umbrella Policy. It is likely that you can get a million dollars of Excess/Umbrella Coverage for $200 – $300 per year. That coverage stacks on top of all of your insurance, Car Insurance and Property Insurance, to protect your personal assets if you cause an accident and get sued.

BONUS TIP: Life Insurance – Although it is unrelated to Car Insurance, one of the best gifts that you can give to your family is the foresight of purchasing significant Life Insurance. Nobody wants to think about their mortality, but if something happens and you are no longer around, Life Insurance insures that your family will have the financial ability to move forward without your income. Please talk to your agent about the cost of a million dollar Life Insurance Policy or more if you can afford it.

Tim Rayne is a Car Accident and Personal Injury Lawyer with the Chester County law firm MacElree Harvey. For over 25 years, Tim has been helping injured accident victims understand their rights and receive fair treatment from insurance companies. Tim is a lifelong resident of Kennett Square and has offices in Kennett and West Chester. Tim can be reached at (610) 840-0124 or [email protected].

December, 2020, closes out a long year that has seen a number of developments in the area of employment law.  Undoubtedly, the major headline heading into the New Year is that President Trump has signed the COVID-19 economic relief bill passed by Congress.  The following are a few notable takeaways from the new law:

• The sick leave available to employees through the Families First Coronavirus Response Act (FFCRA) is not extended. However, employers who voluntarily provide paid sick leave will be still receive a tax credit for doing so through March 2021.
• There is an additional allocation to the Paycheck Protection Program (PPP) of $284 billion. New loans under the extension are capped at $2 million, as opposed to $10 million under the previous program. Applicants must have no more than 300 employees, instead of up to 500 under the previous program, and must demonstrate at least a 25% drop in gross receipts from the fourth quarter of 2019 to the same period this year.  Also, PPP eligibility is expanded to include all nonprofits.
• Taxpayers are permitted to rollover unused amounts in their health and dependent care flexible spending arrangements from 2020 to 2021 and from 2021 to 2022. Employers are also permitted to allow employees to make a change mid-year in 2021 to contribution amounts.
• Two Coronavirus Aid, Relief and Economic Security Act (CARES Act) unemployment programs have been extended for 11 weeks. The provision provides $300 per week for workers receiving unemployment benefits through March 14, 2021.  The Pandemic Unemployment Assistance (PUA) program is extended, with expanded coverage for independent contractors and the self-employed.  The Pandemic Emergency Unemployment Compensation Program (PEUC) provides additional weeks of federally-funded unemployment benefits to individuals who exhaust their state benefits.  The provisions also increase the maximum number of weeks an individual may claim unemployment benefits through state unemployment plus the PEUC program, which is now up to 50 weeks.

Jeff Burke is an attorney at MacElree Harvey, Ltd., working in the firm’s Employment and Litigation practice groups. Jeff counsels businesses and individuals on employment practices and policies, employee hiring and separation issues, non-competition and other restrictive covenants, wage and hour disputes, and other employment-related matters. Jeff also represents businesses and individuals in employment litigation such as employment contract disputes, workforce classification audits, and discrimination claims based upon age, sex, race, religion, disability, sexual harassment, and hostile work environment.

After a long and difficult year, several pharmaceutical companies have announced that COVID-19 vaccines are on the horizon.  This is welcome news for employers who have been struggling with myriad employment issues during the pandemic.  However, like everything with COVID-19, a vaccine raises its own legal questions.  Most notably, once the FDA formally approves a vaccine, can an employer mandate that its employees take it?

For most employees, the answer is probably “yes”.  There is ample precedent for employers mandating vaccines in certain fields, such as flu shots for healthcare workers in hospitals.  Indeed, the Occupational Safety and Health Administration (OSHA) in the past has said employers have the right to mandate vaccines.  Moreover, the EEOC has already issued guidance stating that COVID-19 meets the “direct threat” standard under the Americans with Disabilities Act (ADA).  This classification means the EEOC believes a significant risk of substantial harm is posed by having someone with COVID-19 or its symptoms present in the workplace.

That being said, at least two federal discrimination laws may provide some protection for employees who oppose taking a vaccine.  Under Title VII of the Civil Rights Act of 1964, a sincerely held religious belief against taking a vaccine could serve as the basis for a religious exemption. See December 5, 2012, EEOC Informal Discussion Letter: Title VII: Vaccination Policies and Reasonable Accommodation.  In addition, under the ADA, the employee could assert that they have some disability that prevents them from taking the vaccine, such as a sensitivity or allergy to something in the vaccine.  Even anxiety to taking a vaccine could conceivably constitute such a disability.

If an employer receives accommodation requests not to take the vaccine based upon religious beliefs or disability, an employer would be required to consider whether a reasonable accommodation can be granted.  In this case, this may mean a change in working hours to avoid contact with coworkers, remote work, or other social distancing.  Ultimately, the employer could decline the accommodation request if the accommodation for the particular employee poses an undue hardship on the company.

Of additional interest, for employers that mandate that employees receive a COVID-19 vaccine, if an employee suffered complications from the vaccine, he or she may be able to assert that the complications are illness or injuries caused by their employment.  This may mean that the complications arising from the vaccination are covered by workers’ compensation insurance.

Employers would be wise to gauge the expected response of their employees before putting in place a final policy on the subject.  Simply because an employer presumably can mandate that employees take a COVID-19 vaccine does not mean that the employer must do so.  For businesses in high risk fields, immediate employee vaccinations will be essential.  For others, however, a policy of “strong encouragement” and a reminder that “we are all in this together” may actually be better received by the workforce.  Ultimately, employers must continue to balance workplace safety with sensitivity to their employees during these trying times, which hopefully are nearing an end.

Jeff Burke is an attorney at MacElree Harvey, Ltd., working in the firm’s Employment and Litigation practice groups. Jeff counsels businesses and individuals on employment practices and policies, employee hiring and separation issues, non-competition and other restrictive covenants, wage and hour disputes, and other employment-related matters. Jeff also represents businesses and individuals in employment litigation such as employment contract disputes, workforce classification audits, and discrimination claims based upon age, sex, race, religion, disability, sexual harassment, and hostile work environment.

The decision to pursue an action against your or your loved one’s medical care provider can be intimidating. Making this decision, while also dealing with the physical and emotional trauma of the consequences of suspected medical malpractice, can also be overwhelming.

What follows are some suggested steps to take prior to consulting with a medical malpractice lawyer. Preparing for this meeting will ease your anxiety and make the consult most effective.

First, prior to scheduling the meeting with your prospective attorney, assemble as many medical records as possible for review by that attorney prior to the meeting.

• Most medical records are now available electronically, and can be obtained by the patient through a Health Information Technology for Economic and Clinical Health Act (“HITECH”) request.
  • A simple keyword search using your internet search engine will yield multiple templates of a HITECH letter.
• Once you decide upon a reputable Pennsylvania medical malpractice lawyer with whom to meet, you should volunteer that you have obtained these records, which you should be able to share through a CD or thumb drive.

Second, prepare a chronology of events you believe are important to your potential claim. Be prepared to discuss with the attorney:

• Who do you believe rendered negligent medical care?
• Where and when did it happen?
• What do you believe happened?
• And what injury did you incur as a result?

Third, prepare a list of names and addresses of the healthcare professionals and institutions involved in the treatment at issue in the potential claim.

Finally, assemble and maintain as many of the original documents (including payment of expenses by insurance, explanation of benefit forms, patient safety letters) associated with the procedure as possible.

The attorney will now be in a much better position, after obtaining additional details at your consult, to assess your potential matter and provide you with timely advice as to the merits of a potential claim.

This past week, Pennsylvania’s Governor voiced his support for legalizing recreational use of marijuana, touting it as a potential source of tax revenue to boost the struggling economy during the COVID-19 pandemic. This should come as no surprise given that many states have recently relaxed marijuana restrictions. Indeed, legalization of recreational use is on the ballot this November in neighboring New Jersey (along with several other states), which would add to the list of 11 states, along with Washington D.C., that already permit it.

Despite the foregoing, marijuana remains illegal under federal law. This has led to confusion regarding an employer’s right to prohibit marijuana use, drug test, or discipline an employee who tests positive. Here are a few simple tips about employee marijuana use in Pennsylvania.

Stay up to date

First, be informed of the current state of the law. In Pennsylvania, a person with an approved “serious medical condition” who is a Pennsylvania resident and is certified by a doctor may participate in the medical marijuana program.  Pennsylvania has a list of 23 conditions for which individuals can use medical marijuana. Anxiety disorder was recently added to the list of approved conditions (which otherwise mostly consist of rarer medical conditions like ALS, epilepsy and MS). Accordingly, the prevalence of medical marijuana use is likely to rise in the near future. Notably, Pennsylvania law expressly states that employers may not discharge, threaten, refuse to hire, or otherwise discriminate or retaliate against an employee based solely on an employee’s status as a certified medical marijuana patient. Therefore, regardless of marijuana’s status under federal law, an employer could find itself facing a lawsuit if it discriminates against a certified medical marijuana patient.

Employment screening for marijuana is still lawful

Second, the fact that Pennsylvania law protects a person’s status as a medical marijuana patient does not mean that an employer cannot take any measures relating to marijuana use. Marijuana is still illegal under the federal Controlled Substance Act and employers can still require drug screens for marijuana use. This includes pre-employment screening, testing based on reasonable suspicion, periodic and random testing, and post-incident testing.  If an employee tests positive for marijuana, an employer may demand proof that the individual is a certified patient. If an employee is not a certified patient, an employer may treat the situation just like the unlawful use of any other controlled substance, and use a positive test as a basis to discipline or terminate the employee, or deny employment altogether.

Specific workplace rules can apply to certified medical marijuana users

Third, for those individuals who are certified patients, restrictions may be put in place that limit certain work activities. Employers can prohibit employees who are actively treating with marijuana from performing high-risk activities like handling chemicals, high-voltage electricity and mining.  In fact, an employer may prohibit a certified patient from performing any task that the employer deems “life threatening” while under the influence of marijuana, and this prohibition does not constitute an “adverse employment action” under Pennsylvania discrimination law, even if it results in financial harm to the employee. Employers are also not required under Pennsylvania law to make any accommodation of the use of medical marijuana on the premises.

The bottom line

The bottom line is that Pennsylvania law still gives employers latitude about how to treat marijuana use by employees, as long as employers do not violate the specific legal protections enacted for medical marijuana patients. As the legal landscape continues to evolve, employers will need to review their policies to stay compliant with the law as well as to promote health and safety in the workplace.

Jeff Burke is an attorney at MacElree Harvey, Ltd., working in the firm’s Employment and Litigation practice groups. Jeff counsels businesses and individuals on employment practices and policies, employee hiring and separation issues, non-competition and other restrictive covenants, wage and hour disputes, and other employment-related matters. Jeff also represents businesses and individuals in employment litigation such as employment contract disputes, workforce classification audits, and discrimination claims based upon age, sex, race, religion, disability, sexual harassment, and hostile work environment.

Governor Wolf’s moratorium on residential mortgage foreclosures and landlord tenant evictions in Pennsylvania expired on August 31, 2020. The question is what happens now.

On May 29, 2020, the Pennsylvania Legislature passed the Covid Relief – Mortgage and Rental Assistance Grant Program. A minimum of $150,000,000.00 was allocated for rental assistance grants and the money has been appropriated to the Pennsylvania Housing Finance Agency for Covid Relief. An eligible lessee (tenant), mortgagor (homeowner), landlord or mortgagee (bank) may apply for relief if the tenant or homeowner became unemployed after March 1, 2020 or had their annual household income reduced by 30% or more due to reduced work hours and wages related to Covid-19.

The application shall include a statement by the landlord or lender releasing the tenant or homeowner of any remaining obligation for any past due or future rent or mortgage payment for which the Agency pays the landlord or lender.

Only households with an annualized current income of no more than the upper limit of “median income” will qualify.

For rental assistance, an amount equal to 100% of the tenant’s monthly rent, not to exceed $750.00 per month, for each month for which assistance is sought for a maximum of six months is available. For mortgage assistance, an amount equal to 100% of the homeowner’s monthly mortgage, not to exceed $1,000.00 per month for each month for which assistance is sought for a maximum of six months is available. Payment shall be made no later than November 30, 2020.

In Chester County, Pennsylvania, Friends Association For Care and Protection of Children based in West Chester, has started a program beginning September 1, 2020 to prevent evictions. They will provide an attorney and social worker at court for any Chester County eviction and similar programs in Montgomery County and Philadelphia County have helped 80% of the tenants stay in their housing. If you are a landlord or a tenant you should contact an attorney to help you navigate these new procedures.