PFAS Health Advisories Deliver Needed Benchmarks
On June 15, 2022, the Environmental Protection Agency (EPA) released new health advisory levels for four PFAS chemicals that are found in thousands of water systems throughout the United States. These advisories set the maximum amount of the chemicals that the EPA believes represents safe drinking water for all people, representing critically needed benchmarks in the effort to prevent over-exposure.
The health advisory levels cover perfluorooctane sulfonic acid (PFOS), perfluouoctanic acid (PFOA) perfluorobutance sulfonic acid (PFBS), and hexafluoropropylene oxide dimer acid (GenX). For PFOS and PFOA, the EPA lowered the health advisory levels from 70 parts per trillion (ppt) to .02 ppt for PFOS and .004 ppt for PFOA. For PFBS and GenX, the EPA’s health advisory levels were new—standing at 2,000 ppt for PFBS and 10 ppt for GenX.
As discussed in this blog, the PFAS chemicals covered by the health advisory levels are used in a wide variety of products and are present in the manufacturing processes that produce them. That’s been the case since the 1940s, and as a result of poor process and waste management for most of that time they’re present in the air and water almost everywhere. Around manufacturing facilities that use them, they often exist in concentrations that can cause adverse health impacts—including in more than 1,500 drinking water systems across the US.
The new health advisory levels put a significantly higher burden on regulators and companies that manufacture products that contain these PFAS chemicals. As Paul Napoli of Napoli Shkolnik put it: “This is a tremendous step forward for millions of Americans at risk of developing cancer and other deadly diseases from simply drinking tap water at home they trust the government to protect.”
PFAS are unique in that they break down very slowly, and time is the enemy of evidence. Therefore, some individuals who experience health impacts from PFAS can find it challenging to prove the connection between PFAS and their ailments. If you feel you may have been sickened by PFAS, you should consult with an attorney to assess your circumstances and determine a course of legal action.
How to Handle a Personal Injury Insurance Claim
If you’re injured in an accident, the most quickly accessible insurance coverage is the Personal Injury Protection (PIP) coverage from your own insurance policy. This coverage is called No Fault insurance because it applies regardless of who was at fault in the accident, so it’s available whether you caused the accident or you were in an accident caused by another person. In most states, it’s now a required coverage, meaning that it’s usually included in a standard auto policy.
Read more details about PIP in this blog post.
When you notify your agent that you’ve been in an accident and have sustained injuries, your agent should offer to open a PIP claim for you. The coverage normally pays for medical expenses, lost wages, homecare expenses, and funeral expenses and accidental death benefits. However, if you weren’t at fault in the accident and have the flexibility to do so, it’s a good idea to talk to a personal injury lawyer prior to filing a claim on your own insurance.
This is because an accident that results in injuries often leads to a significant payout from the at-fault party’s insurance company—and that company will do its best to mitigate the cost of that loss. That’s especially true when there is a dispute over who is at fault, which can happen even if the police report clearly assigns responsibility. The more benefits the insurance company is likely to have to pay, the more aggressively it may fight the claim.
In addition, PIP only covers certain costs related to injury. It does not cover damages to your vehicle. Those damages are covered either by the “property damage” coverage under the liability portion of the auto policy if the other party is injured, or by the “collision” coverage of your policy if you’re to blame. PIP also doesn’t cover punitive damages, in the event that the accident was caused by negligence. That’s always covered by the liability portion of the auto policy and, if the damage award exceeds that coverage, by an umbrella policy.
An effective personal injury lawyer will know how to deal with the insurance company to maximize your payout, as well as how to structure the claim to collect damages from every applicable line of coverage. In addition, if you find that you were misinformed about your insurance and needed coverage (such as PIP) was not offered to you, a personal injury lawyer will be able to assess your situation to ascertain whether you may have a malpractice claim under the insurance agent’s professional liability coverage.
Things to Know Before Filing a Personal Injury Lawsuit
When an individual is injured in an accident, the first challenge is dealing with the injuries and damages the accident causes. That can be a significant ordeal, and even with insurance the out-of-pocket costs can add up quickly. When the accident is clearly another person’s fault and that person refuses to take responsibility, the injured party may file a personal injury lawsuit.
If you’re considering filing a lawsuit, this blog post discusses several important considerations. Although it focuses on New York law, the concepts apply virtually anywhere.
For example, statutes of limitations govern how long you have to file a suit. While most statutes of limitations for personal injury are three years, there is some variation from state to state. In addition, there are exceptions to the three-year limit. In New York, for example, claims against public agencies need to be filed within 90 days; and most states have liberalized the statutes of limitations for injuries that may take years to develop.
There’s also the question of who has the burden of proof. In most personal injury cases, the burden of proof rests on the plaintiff. In other words, you need to prove that the other party acted negligently, failed in a duty, or was otherwise at fault for the accident. The more complex your case is, the longer it is likely to take. If the proof is blatant, the case may settle much more quickly.
Especially in cases where the fault is obvious and the proof incontrovertible, many plaintiffs elect to pursue lawsuits on their own, thinking that they will benefit more from the settlement if they don’t have to pay an attorney. While this is technically acceptable in most jurisdictions, having an attorney on your side dramatically reduces the likelihood that your case will be dismissed due to a procedural error; it improves the presentation of evidence and the production of compelling legal briefs; and the presence of an attorney almost always increases the amount of the award significantly.
“No Surprises Act” Lawsuit Raises Fiduciary Duty Questions
The “No Surprises Act,” a federal law passed as part of the Consolidated Appropriations Act of 2021, establishes new federal protections against surprise medical bills, which usually arise when insured patients receive care from out-of-network providers, often without realizing that doing so will trigger additional out-of-pocket expenses. Opponents of the Act have argued that the language in the bill protects insurance companies more than it does consumers. Now, a long-shot lawsuit by a physician is challenging the Act on different grounds, raising questions about medical professionals’ fiduciary duty.
The lawsuit, filed by Dr. Daniel Haller, argues that the Act unfairly disadvantages him because most of the emergency care patients he sees are out-of-network, and the Act limits his ability to charge them for his services. Instead of arguing that the Act will adversely affect patients, he argues that it will adversely affect his ability to provide care by imposing guidelines on his ability to charge his preferred rates for it.
But that raises a question of a doctor’s obligations under the concept of fiduciary duty. In a fiduciary relationship, such as the one between a doctor and a patient, the doctor possesses skill, knowledge, and experience of a subject about which the patient knows little or nothing, leaving the patient wholly dependent upon the doctor’s recommendations. In that relationship the patient’s needs must be paramount: if doctors must lose money to provide adequate care for their patients, it’s their obligation to do so.
Dr. Haller’s lawsuit suggests a point of view in which the doctor’s need to charge his preferred rates are paramount. When a federal judge rules on the lawsuit on June 22, 2022, a finding in favor of Dr. Haller could lead more doctors away from strict adherence to their fiduciary duty. As this blog post discusses, if doctors order fewer tests because they aren’t certain insurance will pay for them, or if they discriminate between patients based on billing considerations, that could lead to an increase in medical malpractice occurrences.
Already, many patients experience medical professionals and hospital chains reducing their standard of care for economic reasons. If your care has been impacted by a doctor, clinic, or hospital making choices based on their bottom line, that is a breach of their fiduciary duty. Speaking to a qualified medical malpractice attorney can be an important first step in determining whether you’re owed damages for the harm caused by that breach.