22 North Shore Towers Courier n November 2016 MEDICARE CORNER Getting Ready for Medicare 2017 NOTE: Persons with retiree health coverage should check with their Human Resource Administrator before making any changes to your health coverage and/or prescription drug coverage. Open Enrolment Period begins October 15–December 7th. Changes made to your health care and/or prescription drug coverage during this period will be effective January 1, 2017. Exceptions are: If you have Low Income Subsidy, such as enrolment in the Medicare Savings Plan Changes made to your health care and/or prescription drug coverage during the year become effective the first of the next month. List of types of Medicare Advantage Plans and costs for 2017 begin on page 128 of Medicare and You 2017. Review Explanation of Benefits and Summary of Health Care Coverage information received from your private health and prescription drug plans. Remember private plans often change your cost sharing. Compare your coverage costs with other plans. Review your plans prescription drug restrictions. If a drug is not on formulary, you will probably pay a higher price. Tier, quantity amount and other restrictions may elevate the cost of a prescription drug. Decide how you want to get your coverage. Your choices are Original Medicare, Original Medicare with a supplement or a Medicare Advantage Plan with prescription drugs. BY FELICE HANNAH If you are enrolled in a Medicare Advantage Plan you can’t be sold a Medigap Policy. Nor can you use a (Medigap) Medicare Supplement Plan to pay out of pocket Medicare Advantage Plans. When you become eligible for Medicare, enroll in Medicare A/B and a Medicare Prescription Drug plan to avoid penalties. See section #2 of Medicare and You 2017 for Medicare enrollment guidelines. JOE’S GOLD BUYING SERVICE WE BUY GOLD IN ANY CONDITION Estate Diamonds • Antique Jewelry Oil Paintings • Bronzes • Coins Sterling Silver • Watches • Rolex FOR IMMEDIATE CASH FREE IN-HOME SERVICE CALL JOE 7 DAYS A WEEK 516-849-8826 Advertorial Legally Speaking By: Scott Baron, Attorney at Law HIT BY A WHAT Q: I was working on a construction project for a six-floor building. On the top of the building, workers would pour cement into two-by-four wooden frames. When the cement was almost dry, the workers would pluck the wooden form out of the cement and lower the frame to me on ropes. My job was to clean the forms, on the ground, six feet away from the building. I would untie the frames and wash off any cement that remained stuck to them. All of a sudden, I was struck on the head by something falling. I did not see the object, how it fell, or where it fell from. However, I believe that I was hit by cement that had fallen either from the top of the building or from a two-by-four frame being lowered to me. After I was struck by the object, I saw pieces of cement on the ground. I am sure they had not been there before. A: It seems clear that you were hit by a piece of concrete, so that the owner and general contractor are subject to liability under section 240(1) of the Labor Law. Your attorney will argue that, no matter whether it fell from the floor or from a frame, the object was a ‘load that required securing’. Accordingly, the owner and general contractor are subject to falling-object liability, under section 240(1) of the Labor Law. The defendants also appear to be subject to liability under section 241(6) of the Labor Law, premised upon section 23-1.7(a)(1) of the Industrial Code. This is because the defendants failed to use appropriate safety devices to protect you from overhead hazards in an area where you were required to work that was normally exposed to falling material or objects. The law responds to changed conditions; exceptions and variations abound. Here, the information is general; always seek out competent counsel. This article shall not be construed as legal advice. Copyright © 2014 Scott Baron & Associates, P.C. All rights reserved. 159-49 Cross Bay Boulevard, Howard Beach, New York 11414 • 718-738-9800 1750 Central Park Avenue, Yonkers, NY 10710 • 914-337-9800 1-866-927-4878 abound.
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