By: Colleen Stone

With so much unsettling news these days, much of our country lives in fear, stress and anxiety says Colleen Stone, Certified Hypnotherapist.

In working with her clients, Colleen sees and hears similar complaints such as, “I am so afraid …”, “I have so much anxiety that I cannot sleep!”, “My migraine headaches are so much worse” or, “I cannot leave the house without taking a pill!” Colleen believes that core beliefs play a big part in how the mind/body operates affecting our thoughts, emotions and our health. The body can heal itself once the negative energy from these emotions has been resolved and released and Ms. Stone states, “This is what I do everyday….with the use of hypnosis, self-hypnosis and EFT.” In addition, Colleen believes that ENERGY MEDICINE is the medicine of the future…just think if we could resolve and release negative energy before they manifest into an illness!

Look what Dr. Candace Pert has to say in her book, “Molecules of Emotions”, about the power of releasing negative emotions with the use of forgiveness, and how the process actually affects our mind/body, and the immune system:

“Releasing blame requires a quantum shift in which the whole body/mind is altered, a true state change that affects the entire system. It isn’t a small thing that is done by degrees, but a whole-body turnaround. Who you are when you forgive yourself and others is someone living a new reality. You are free and experience true happiness. You can also be healthier; because physical inflammation in your body is diminished, (it is no longer continuously triggered by resentment and rage).

If you experience a constant, suppressed state of anger in your body/mind over many years, holding grudges and not forgiving people for incidents that happened in the past, then you are most likely using energy to make antibodies, and keeping yourself in a chronically inflamed state. As a result, you tax your immune system to overreact, aggravating autoimmune disorders such as Fibromyalgia, lupus, CFS, and rheumatoid arthritis, and many other illnesses.

Colleen’s goal for each client is self-awareness through positive changes in their core belief systems allowing for desired behavior changes, ultimately self-love and reconnecting with the original/true self that is happy, healthy and strong!

Colleen uses a five-step process of one-on-one hypnosis, including one session of Direct Suggestion, and four other steps of letting go and resolving negative emotions including “Forgiveness of Others” and “Forgiveness of Self”. Forgiveness is about no longer having to carry around the pain and anger caused by these negative emotions. This is when the self-healing begins!! Colleen teaches her clients what she has learned after ten years of researching and working successfully with other clients that, “the bottom line to healing is learning self-love and allowing the body to heal itself!” Forgiveness is a gift to self and it is not about the other person.

Self-Hypnosis and EFT (Emotional Freedom Technique) are two methods of self-healing that Colleen teaches to all her clients, along with the one-on-one process of 5PATH.

Self-Hypnosis is a method of resolving and letting go of negative emotions daily so that they no longer accumulate and manifest into illness. EFT is an amazing healing technique that is easy to learn and has profound effects. It is a simple, rapid and remarkably effective approach to healing emotional disorders that is based on a synthesis of Chinese Acupressure and Applied Kinesiology.

As clients clear away the negative emotions related to the illness, they experience a process of improvement and inner peace and find a transformation of energy for the good. From there many clients use that energy in a positive way to achieve lifetime goals.

Testimonial:

“Dear Colleen, After five long months of suffering with ‘Post Traumatic Stress with Repressed Memories”, I was so thankful that God finally lead me to you. You helped me “rescue that little girl” from the torture that I suffered from childhood sexual abuse that had now surfaced into my adulthood. I was living partly as an adult and partly as a five-year-old girl. No doctor, psychologist, clinical social worker, mental health worker, drugs, or “talk therapy” was able to help me. Thankfully, with your understanding, compassion, and field of expertise in Hypnotherapy, my life was brought back to normal and continues to be.

May God bless you and continue to use this alternative field of medicine to free those who are in mental bondage, and feel there is “No Hope”. ~ In sincere gratitude, CP”

Colleen Stone is a Certified Hypnotherapist through the Banyan Hypnosis Center in California and a member of National Guild of Hypnotist, Inc. www.ngh.net. She has a successful business, ADVANCED HYPNOTHERAPY OF DELAWARE, www.ahode.com, located in Felton, Delaware. Colleen is also certified in Anti-Aging Principles and Natural Hormone Replacement Theory through Giovane Medical Services Inc., member of American Academy of Anti-Aging Medicine, and sells natural hormone trandsdermal creams. She is trained in Energy Medicine by Donna Eden through Omega Institute in New York, and all of Colleen’s clients are taught how to use EFT (Emotional Freedom Technique) a form of acupressure, and Self-Hypnosis.

Colleen holds a Bachelors Degree of Education with thirty plus hours of graduate work. She spent sixteen years in the classroom teaching in addition to four years at the Caesar Rodney School District Office training teachers. She has also presented workshops across the country through involvement in two national projects. This nurturing, giving quality and her trusted rapport has carried over to her practice by helping her clients achieve positive changes in their lives through hypnosis for nine years.

Ms. Stone provides workshops and talks in many of the titles listed in this article.

*   Registered Nurses
*   Licensed Practical Nurses
*   Pediatric Speech
*   Occupational Therapists
*   Physical Therapists

Come join the Bayada Nurses team and become a hero to a wonderful child in need. We offer the flexible schedules, full benefits, weekly pay and competitive pay rates. At Bayada Nurses our healthcare professionals are dedicated to providing care with Compassion, Excellence and Reliability.

For more information
please contact SherVonne at 302-322-2300.
You can also email your resume to swilson@bayada.com
or fax it to 302-322-6300.

Anthony B. Furey, DO
Cardiology Physicians

Dr. Anthony B. Furey joined Cardiology Physicians in March 2011.  Dr. Furey has been a Cardiologist in Delaware since 1996.  Dr. Furey grew up in Chadds Ford PA. He attended Bishop Shanahan High School and Lafayette College where he obtained a Bachelor of Science Degree in Biology.  During his four years at Lafayette, he lettered in Varsity Basketball and was Captain of the 1983 squad.

Dr. Furey attended Philadelphia College of Osteopathic Medicine. His post doctorate training involved internship at Doctors Hospital in Columbus, OH, and Internal Medicine residency at Lehigh Valley Hospital in Allentown, PA.  His Cardiology fellowship was completed at The Graduate Hospital of the University of Pennsylvania in Philadelphia, PA.

Dr. Furey is board certified in Internal Medicine and Cardiology by the American Board of Internal Medicine. He has been recognized as board certified in Adult Echocardiography by the American Society of Echocardiography and Nuclear Cardiology by the American Society of Nuclear Cardiology.

Dr. Furey’s professional associations include membership in the American Osteopathic Association, Delaware Society of Osteopathic Medicine, Delaware Medical Society, American Society of Echocardiography, American Society of Nuclear Cardiology, American Association of Cardiovascular and Pulmonary Rehabilitation, and Fellow of the American College of Cardiology.

Dr. Furey’s interests involve clinical and consultative cardiology along with echocardiography, transesophageal echocardiography, and nuclear cardiology.

Dr. Furey is the Medical Director of the Christiana Care Cardiac Rehabilitation program. He was named “Outstanding Specialty Teacher” in 2002 by the Christiana Care Family Medicine program and has been named Delaware Today’s “Top Doctor” in Cardiology in 2003 and 2010.

Dr. Furey and his family reside in Wilmington, DE. He and his wife Katherine were married in 1990. They have three children; Brannock born in 1993, Conor born in 1996, and Corinne born in 2001.

Charles J. Simon, MS, OD
Simon Eye Associates

Charles J. Simon, MS, OD, is the founder and CEO of Simon Eye Associates.  A native Delawarean, Dr. Simon grew up in Dover, Delaware, graduating from Dover High School.  He then attended the University of Delaware, obtaining an undergraduate degree in Biological Sciences, and a graduate degree in Nutritional Sciences.  An additional degree in Visual Sciences and a Doctorate in Optometry was earned from the Pennsylvania College of Optometry.

Dr. Simon completed externships in primary care at the JFK Hospital Eye Clinic, and in electro-diagnosis and low vision at The Eye Institute, all in Philadelphia.  He continued with post-doctoral studies at the National Eye Institute in Bethesda, Maryland.

He began practicing Optometry in 1982, along with becoming an Assistant Professor at the University of Delaware.  Since starting his own practice, he has expanded from his first office on Bancroft Parkway in Wilmington to become a multi-location practice serving all of Delaware and surrounding areas.  Simon Eye Associates now employs 14 Doctors and over 100 staff members.  Dr. Simon attributes the growth of the practice to his firm commitment to satisfying the eye health needs of his patients.  The mission statement of the practice reflects this belief:

Dr. Simon is a member of both the American Optometric Association and the Delaware Optometric Association.  Past memberships include Student Optometric Service to Haiti and Omicron Nu National Honor Society.  His awards include the Clinical Excellence Award, Outstanding Graduate Student, Outstanding Young Men of America, and Oxford’s Who’s Who.

Dr. Simon and his wife Marina live in Hockessin with their three Chihuahuas.  He enjoys oil painting, running and biking in his spare time.

Ron Sayers
Sayers Jewelers and Gemologists

Ronald Lee Sayers, goes by Ron Sayers is 66 years old and originally from Pennsylvania.   At age 5 his parents, Leroy and June Sayers moved to Smyrna Delaware and opened Sayers Jewelers.   From the beginning Ron was given chores in the store such as counting envelopes, inserting letters and adding stamps.

Ron Graduated from John Bassett Moore High School in Smyrna then went on to Wesley College in Dover which was a 2 year school at the time and then transferred to Delaware State College and graduated with a business and accounting degree.  After joining the family business full time in 1968 Ron began taking courses at the Gemological Institute of America (GIA ) where he earned his Graduate Gemologist degree.

In 1967 Ron married Ellen Killen from Leipsic, Delaware.   Ron and Ellen have three boys,  Ronnie, a commercial waterman,   Rodney, a boilermaker and Tom,who works in the family business and is also a GIA Graduate Gemologist.

Ron and Ellen have worked side by side in the family business since 1968.  In 1989 They purchased the business from Ron’s parents and it became Sayers Jewelers and Gemologists.   Ron, Ellen and son Tom along with seven other employees run the thriving business today.   Sayers was the first jeweler in Kent County to have a gem microscope in their store and Ron was the first jeweler in all of Delaware  to have a high tech Laser welder.   Ron and son Tom also design and manufacture custom jewelry on the premises using state of the art Cad-Cam designing as well as hand carved designs.   Sayers is proud to have customers in 48 states.

Ron has served as Past President of the Smyrna-Clayton Rotary club and currently sits on the board of the Central Delaware Chamber of Commerce and Bayhealth Medical Center.

Interests include snowmobiling, skiing, motorcycles, photography, scuba diving, flying, boating and grandchildren.

Michelle Parsons
ReNove Medical Spa

Dr. Michelle Parsons practices Wellness and Cosmetic Medicine in Rehoboth Beach.  Graduating from Jefferson Medical College 17 years ago, she is Board Certified in Emergency Medicine after receiving her training at Christiana Medical Center, practicing as an Emergency Medicine Physician in Delaware and Maryland.  Enjoying the continuity of care in private practice, Dr. Parsons went on to receive additional training in hormone and endocrine evaluation, vitamin deficiencies, nutrient replacement therapy, and cosmetic medical procedures.

“There is so much to treating the overall health and well being of a person than just addressing their symptoms when an acute illness occurs.  I like to focus on what is going on with a person’s health every day. It’s the little things that are really important in the long run. What kind of nutrients we are taking in and how that affects how our bodies and minds work.  Another example of how closely our minds and bodies are intertwined was demonstrated in a study that showed how a cosmetic medical treatment, such as a rhinoplasty, can have the same benefit to mood and well being as 10 years of intensive psycho-therapy.  Our bodies and minds are very closely related and I really embrace this concept in my practice.”

Dr. Parsons lives in Bethany Beach area with her husband and young son, who is a fifth generation Sussex Countian. Dr. Parsons sees patients in her office in Rehoboth Beach during the week. Appointments can be made by calling 302-227-1079. Please visit her practice website to see what wellness and health services are available at www.RenoveMedSpa.org.  Dr Parson’s wardrobe is from the  CAbi, spring collection, Jody Ryan.

Jeffrey Minkovitz, MD
Eye Physicians

Jeffrey Minkovitz, MD is an ophthalmologist and partner at Eye Physicians and Surgeons in Wilmington, Delaware.  Dr. Minkovitz specializes in cataract and refractive surgery, and is one of only a few Delaware surgeons specially trained in corneal diseases and transplantation. He joined Eye Physicians in 1994, after completing a cornea and refractive surgery fellowship at the world renowned Wilmer Eye Institute of Johns Hopkins.  Previously, he graduated magna cum-laude from Harvard, earned his medical degree from the University of Massachusetts Medical School, completed his internship at Harvard’s Mt. Auburn Hospital, and served his ophthalmology residency at Washington University.

Dr. Minkovitz participated in the early research on Excimer Laser photorefractive surgery beginning in 1994. He has offered this procedure to Delawareans since FDA approval in 1996, before Delaware had its own laser. These early pioneering individuals travelled to Wilmer Institute with Dr. Minkovitz, where he maintained his teaching and clinical appointment.

Dr. Minkovitz is a co-founder of the Center for Advanced Surgical Arts and serves on its medical advisory board. He is also on active staff at Christiana and Wilmington Hospitals.  While at Johns Hopkins University, Dr. Minkovitz received the Outstanding Teacher Award from Wilmer Eye Institute. He was also named Top Doc in ophthalmology by Delaware Today Magazine six consecutive years, including 2010, and has been an invited instructor at the American Academy of Ophthalmology Annual Meetings.

Dr. Minkovitz served as councilor to the American Academy of Ophthalmology, and has held several offices including president of the Delaware Academy of Ophthalmology.

Charles Curry, MD
Delaware Eye Institute

Dr. Curry is a board certified ophthalmologist with Delaware Eye Institute in Rehoboth Beach, Delaware. His practice ranges from the surgical treatment of cataracts, to the medical treatment of such ailments as glaucoma and diabetic eye disease to ongoing and preventive care through routine eye exams.  Dr. Curry said, “Making sure I’ve addressed my patient’s concerns is a high priority for me.  I want them to be informed and comfortable with the choices we make together.”

After graduating from the Indiana University School of Medicine he completed his residency at Wake Forest School of Medicine in North Carolina where he acquired hands-on ophthalmology training with patients.  In 2003, he became certified with the American Board of Ophthalmology.   After five years of private practice in Indiana, Dr. Curry joined Delaware Eye Institute in 2007.  When not practicing medicine, Dr. Curry spends his time with his family, often camping and visiting water parks.

Delaware Eye Institute is the leading provider of advanced eye care in Southern Delaware.  Each year thousands of new patients, from infant to adult receive care ranging from routine eye exams to services for macular degeneration, glaucoma, and diabetes.  Delaware Eye surgeons perform thousands of surgeries for cataracts, retinal disorders, functional and aesthetic eyelid problems.

Please take time to view our website at DelawareEye.com to learn more about our doctors, our staff and our services.  With our goal of doing everything possible to enhance and preserve your vision, we look forward to helping you see your world more clearly.

Heather Rooks, DC
Wilmington Delaware

As senior clinic director, Dr. Rooks is skilled and experienced at treating the root physiological, biochemical, and hormonal imbalances associated with Type 2 Diabetes and with Hypothyroidism.

Dr. Rooks uses breakthrough diagnostic testing and analysis that’s rarely done in conventional settings, to uncover the hidden, underlying causes a person may be experiencing from Type 2 Diabetes and Hypothyroidism.

She also takes great pride in delivering personalized healthcare treatment to patients as well as providing an environment that supports and inspires patients to reverse their poor health.

Dr. Rooks graduated from the University of Delaware, with a BA in Biology and has a Minor in Women’s Studies. She attended Life University for her Doctor of Chiropractic degree, and has extensive Postgraduate education in Functional Endocrinology.

Outside the office, Dr. Rooks enjoys being with her Cream French bulldog, Romeo, traveling and consciousness raising activities, spiritual retreats and humanitarian mission trips. She also loves Yoga and any kind of fitness.

Royal Photography
302-438-1308
Roy McDowell, owner
royalphotogde@aol.com

Royal Photography’s owner, Roy McDowell, brings a wealth of experience, both creative and business, along with an unmatched ability to put people at ease, to every occasion he photographs.

Over the past 18 years, Roy McDowell has captured “that” moment for more than 300 brides and grooms and preserved high school memories too numerous to count. Such exposure has led Roy to become one of the most recognizable photographers in Delaware. He creates a lasting impression, not only of an event, but of himself. The pride, precision, and passion he exudes has compelled brides-to-be to track down, “the photographer who took their senior portrait years before”.Roy exhibits this same commitment and customer service when working with the many schools and businesses with whom he’s managed contracts.

“The consumer drives the product I provide; not the other way around”. With the help and support of family, friends, and business associates, Roy McDowell strives to achieve his goal of providing an unforgettable experience with superior photographs, exceptional customer focus, and lasting relationships.

J. Christian
Owner of  J. Christian Studio
7465 Lancaster Pike,
Hockessin, DE
(302)-235-2306

Hair styling & make-up application were provided compliments of J. Christian Studio, where hair and art perform.

J. Christian is a Master Artist with more than 30 years experience in the beauty industry. Together with his wife Marcy, they own and operate J. Christian Studio, an upscale salon located in Hockessin, DE.

As an International Platform Artist and Master Educator for Sexy Hair Concepts, J. Christian travels here and abroad teaching other Stylists about hair fashion. He regularly teaches at the Institute of Courage, a hair academy established by Michael O’Rourke, founder of Sexy Hair Concepts located in the Topanga Canyon just outside Los Angeles as well as at the Paul Mitchell School in Delaware.

By: Janice Venema
Lady’s Image

At LADY’S IMAGE, you can park at the front or the back door. Everything in the store is unique and there are many choices. They gift wrap everything, FREE!

I chose to leave the store while they wrapped my purchases and took my wife out to dinner at a restaurant nearby. The next day I stopped at the store and picked up my gifts wrapped in gold paper with red bows. Those gifts looked so fabulous, I wanted to show them to everyone I knew. Now, I could have stayed and they would wrap while I waited, but, hey, I had more fun eating while Lady’s Image did all the work of wrapping. In addition, the gift-wrap was FREE. No HASSLE no STRESS. Just Smiles, Laughs and Fun.

LADY’S IMAGE has been the BEST OF DELAWARE winner for Casual, Career, Occasion, and Most Unique for 16 years running. You will know why when you see their selection of must-have items along with updated classics. If there is ever a time to visit LADY’S IMAGE, this is it.

LADY’S IMAGE has this unique Twist Necklace in either gold tone or silver tone. The necklace can be twisted into many clever shapes and is so lightweight you don’t even feel it. As a little extra dazzle, add a clever magnetic pin to the necklace, it makes it look awesome and size isn’t an issue. The Twist Necklace is a great gift for women who are arthritic because the Twist Necklace has no closure. It slips over the head and the magnetic pin is easy to attach. In addition, both are easy on the budget: Twist necklace is $39.00 and the Magnetic pins begin at $39.00.

Whether it is a foxy party outfit, a smart casual look, an edgy office ensemble, an item or a gift for a special someone, you will LOVE the selection at LADY’S IMAGE in sizes 2 to 22.

Come, join us this week and become a HAPPY LADY’S IMAGE SHOPPER. You will discover why Delawareans have voted LADY’S IMAGE “BEST OF DELAWARE” 16 years running. Park at the front or back door for easy access to STRESS-FREE shopping. When others talk about walking a mile to get to a store, when they say everything looks the same in all the stores, when they say shopping is a misery, you will say, “I have a fabulous time shopping at Lady’s Image”.

3910 Concord Pike
Wilmington, DE 19803
302 478 7921
www.ladysimagefashions.com
Let our personal shoppers
FIND YOU THE SEASONS BEST!
Best of Delaware – 16 years running:
Best Casual , Best Career, Best
Occasion … and new for 2011:
Best Bridal , and most unique
place to find a Bridal gown .

Evolution of Laser Hair Therapy
This non-invasive technology has been used successfully in Europe for over 10 years and is being hailed today in the United States as a major break-through in combating hair loss. Laser Light Therapy was first tested in Europe over fifteen years ago. It was designed to treat diseases of the scalp and skin.

In 1964, Professor Andre Mester began experimenting with the use of low-power laser energy in Budapest, Hungary. He observed that low energy laser exposure has a stimulating effect on the biological system, while high energy laser exposure had an inhibiting effect.

In his experiments with wound treatment on mice, he noticed rapid healing due to microcirculation of blood supply. This healing was also obvious in laser light treatment of diabetic patients suffering with dystrophic sores. He was amazed to find sores that would not otherwise heal were healed, and he also observed accelerated hair growth and thickening of hair in the treated areas.

Laser Light Therapy
The laser therapy functions on the same scientific principal of that of photo biotherapy; where the laser light stimulates cell metabolism and causes damaged cells to be repaired. This breakthrough technology has recently been featured on national newscasts across the country. Physicians are praising this technology as an effective treatment to combat hair loss. A Low Level Laser Device used to stop hair loss and re-grow lost hair was recently named Time Magazine’s Invention of the Year.

Treatment
Our laser treatment is non-surgical, new and revolutionary. It utilizes therapeutic, low-level laser diodes in the treatment of hair loss as well as other problems of the scalp, and works in harmony with natural hair care products. The result is thicker, healthier hair.
Laser light therapy is not to be confused with the conventional laser. It uses soft (or what is commonly known as cool) lasers, which means there are no thermal components to cut, burn, or vaporize tissue. The use of a soft laser provides a painless treatment experience for the client.
Hair Loss for Women
Virtuesse is the best and most natural non-surgical cosmetic hair loss solution available. Virtuesse is real hair … with attitude. If you are a woman who has genetic or hormonal hair problems or has lost hair through medical treatments, you no longer need to feel self-conscious about your looks. With Virtuesse you can have real, lush hair, which is perfectly blended to your own.

What is Virtuesse for Women? Virtuesse by Virtual Reality is an innovative technology that is only available in exclusive studios worldwide. Select technicians attend state of the art training session to become qualified to use the Virtuesse system. So, you are in the hands of the best of the best with Virtuesse.

Virtuesse is a thin, flexible, second skin like surface with natural hair growth patterns. The base being so thin and natural, it adheres with no ridges or bumps. It is literally undetectable to the human touch. No matter what your hair looks like, we can match its color, texture and style with Virtuesse. This cutting edge technology creates a customized solution for each individual client.
•Safe for any personal styling tool
•Hair that styles any way you want it
•Unique capability to replicate natural maturing grey
•Euro Texture Human Hair for the most natural appearance   and touch Virtuesse non-surgical cosmetic hair loss solution is so chic, so real, and so undetectable. It is demanded by stars, directors and stylists in Hollywood. Virtuesse has been featured on news and makeover shows from coast to coast! If Virtuesse can make actresses look good on a 20-foot movie screen, it can make you look good at home, at work, at play, at the gym – anywhere!

Hair Loss for Men
Virtual Reality is a thin, flexible, second skin like surface with natural hair growth patterns. The base being so thin and natural, it adheres with no ridges or bumps. It is literally undetectable to the human touch.

Virtual Reality Premier Benefits
* Always look your best
* Change your style when you choose
* National Affiliation Service Program
* Best most innovative service available
* No bumps or ridges
* Brush back front
* Undetectable in any activity
* Can create short, close to the scalp hair styles
* Natural polymers replicate scalp pigment color
* Can be as thin as your natural hair without bangs
* Ease of self maintenance allows more personal styling
* Unique ability to replicate natural maturing gray
Virtual Reality is the Best and most importantly the most Natural hair replacement method available today!

Specializing in non-surgical cosmetic hair loss solutions for men and women.

…we are a full service Virtual Reality and Virtuesse Studio. We offer a full range of non-surgical based hair replacement for men, women and children.

When it comes to hair loss everyone is going to be different and everyone is going to handle their hair loss in a different way. Knowing this, we didn’t want to just design a studio that can offer hair replacement we wanted to design a studio that our clients can be comfortable in.

With more than 15 years of experience, our team of professionals understands the anxiety and uncertainty that is associated with hair loss. Take action today, call us and set up your free, and confidential consultation to assess and determine the best options available to you.

* Our commitment is to be the compassionate, caring, and encouraging people in your life; that will make a difference not only in your appearance, but also through your recovery.

Delaware Hair Solutions
1082 Old Churchman’s Road, Suite 200
Newark, De 19713
Phone: (302) 525-6241
www.vrhair.com

By: Heather A. Long, Esq.

In Delaware, an injured worker is entitled to 7 basic benefits under Workers’ Compensation laws: medical expenses, disability payments for lost wages in the form of temporary total, temporary partial or permanent total disability, mileage reimbursement, scarring and disfigurement benefits, and permanent impairment benefits.

Often, when an injured worker makes a claim for Workers’ Compensation benefits, they will be receiving funds from several of those sources listed above.

Most of the above sources are “pay as you go” types of benefits, where the injured worker gets paid as the benefits are earned.  Mileage reimbursement is a great example of this.  For this benefit, the injured worker gets paid 40 cents for every mile traveled to and from their doctor appointments. Typically, the worker keeps a log of their mileage and then submits that to be paid every month or so.  This way, they get paid for the mileage as the benefits are accrued.

Other “pay as you go” benefits are medical expenses and the temporary disability payments for lost wages.  Other benefits, such as the scarring and disfigurement and permanent impairment benefits are paid out in a one time lump sum.  Those benefits don’t become earned until some significant time has passed after the injury, and the injured worker has reached “maximum medical improvement.”  In other words, the injury is as good as it is going to get.

There may come a time during the course of the work injury claim that either the injured worker or the employer wants to settle either all or part of a claim now, instead of when the benefits become due.  This is called a Commutation of Benefits.  A commutation of all of an injured worker’s benefits is likewise called a “Full Commutation,” while a commutation of less than all of the benefits is called a “Partial Commutation.”

Commutations can be risky, especially when they are meant to settle either the medical expense benefits or the disability benefits for lost wages because the injured worker is essentially giving up their right to future payments of medical bills and wages for a lump sum amount.  The lump sums are often attractive and enticing in that they offer a larger amount of money up front, rather than collecting the funds at a set rate every two weeks over a longer period of time.

Any offer to commute the medical expense or disability/ wage part of an injured worker’s claim should be thoroughly reviewed so that the risk to the injured worker is minimized.  At the very least, a consultation with a lawyer that specializes in Workers’ Compensation law should take place so that a proper risk analysis can be made.  As a general rule, however, I never recommend commutation of medical expenses to anyone who does not have steady and reliable health insurance.  This way, if any unforeseen conditions related to the work injury develop later on down the road, there is not as much fear that the injured worker will be unable to receive the medical treatment that they need.  Likewise, I never recommend commutation of disability or wage benefits unless my client and I have a good idea of how long their injury is expected to keep them out of work, and whether or not they have a job to which they can return.

Once a decision has been made to commute either the medical expenses or the disability/wage benefits, combining that with a commutation for the scarring and disfigurement or the permanent impairment benefits can increase the injured worker’s lump sum payments, without increasing the risk to the injured worker by very much.  That is because the scarring and disfigurement and the permanent impairment benefits are almost always lump sum payments anyway, so the values of these claims usually remains at a set amount.  The one thing that has to be done prior to commuting the permanent impairment benefits, however, is the injured worker has a proper evaluation done by their doctor, and the doctor must tell them what their percentage of impairment is to the injured part of their body.  Then, that percentage can be plugged into a calculation and a good estimate can be made of the settlement value for this lump sum benefit payment.  Injured workers should never settle their permanent impairment without this evaluation by their own doctor- not their employer’s doctor.

Commutations of Workers’ Compensation benefits can be tricky to settle, and a consultation with a lawyer who specializes in this area will go a long way in helping you figure out whether your risk of settling your claim now is worth the reward of the lump sum payment.  All of the lawyers in my firm, including myself, offer free consultations for work injuries.  If you are presented with an offer to commute or settle any part of your work injury claim, the best thing you can do is have the offer evaluated by an attorney who fights for the rights of injured workers.  The consultations are free, and the insight into your claim could be invaluable to your future health and benefits.

Heather has been an attorney for over five years, and is currently practicing workers’ compensation and personal injury law at Kimmel, Carter, Roman & Peltz, P.A. with offices in Newark and Wilmington.  Heather worked her way through law school as a paralegal in a personal injury firm.  After passing the bar exam, she spent several years working as a defense attorney, representing local, regional and national companies.  With the knowledge gained of the inner-workings of these companies, she now represents injured workers and personal injury plaintiffs.

Heather is a graduate of Widener University School of Law, and the University of Nebraska-Lincoln.  Prior to attending law school, she was licensed as a paramedic and spent time volunteering for her local ambulance corps.  She is also active as a coach and judge for the Delaware High School Mock Trial Competition.

Heather is licensed to practice law in: Delaware, Pennsylvania, New Jersey, and the U.S. Virgin Islands.

For more information, or to schedule a free consultation, please call
(302) 565-6100 or e-mail her directly at HLong@kcrlaw.com.

Testimonials:

“I really appreciate all the time and effort you spent on my case.  I will refer all my friends and family to you.” ~ D.M.

“You got my case settled at the perfect time!.” ~ G.M.

By: Susan D’Alonzo Ament

It’s easy to get caught up in the magic of holidays in Delaware.  Everyone seems to be in a better mood, and all of the hustle and bustle – including shopping, parties, and visiting with loved ones – makes the cold weather a little easier to bear.

Of course, making merry has its price, as travel can be especially dangerous during this time of year.

Whether you are traveling locally or planning a trip to visit friends or family out of state, it’s important to take some extra precautions when driving during the holiday season.  To best avoid unpleasant situations like collisions, theft or more, follow these safety suggestions:

Perform routine maintenance. One of the easiest ways to avoid car mishaps is to drive a safe vehicle.  Check and rotate your tires, get a tune-up and have your oil changed regularly, at least every six months.  Keeping up with these tasks ensures that your vehicle will be in top driving condition for Delaware’s often-treacherous holiday weather.

Prepare for inclement weather. Due to the unpredictability of the East Coast’s weather conditions, it’s always a good idea to keep an emergency kit in your vehicle.  Emergency kits include items that can help signal others in times of distress, make minor repairs, or help keep you protected from excessive temperatures while stalled.  These kits can be purchased for as little as $30, or you can make your own.  Some items that you might want to include are blankets, water, road flares and tools.  For more ideas on what to include in your vehicle emergency kit, speak to your auto insurance agent or visit www.redcross.org

Drive defensively. Just as the old adage goes, sometimes the best offense is a good defense.  The lack of a sales tax draws more people into Delaware during the holiday season, which means the chances for collisions increase.  When driving, be on the lookout for erratic drivers, slippery roads, snowdrifts and other unusual conditions.  Never drive at speeds that would prevent you from taking necessary corrective actions, particularly in the evening when hazards are more difficult to see.  Also, keep your eyes on the road, as you never know what other drivers have had too much eggnog.

Don’t leave valuables in the car. When you travel, there’s a good chance that you’ll leave your vehicle unattended in places with which you’re unfamiliar.  In order to avoid holiday breakins, don’t leave valuables in your car, especially in clear view of anyone who walks by.  Many criminals take advantage of holiday shoppers’ generosity, and when your new purchases are visible, they make for a tempting target.  If you must leave items in the car, opt to put them in the trunk, away from prying eyes.

Give a copy of your itinerary to a friend. Whether you are headed out to the mall, a party or a relative’s house, let someone know where you are going and how you intend to get there.  In the event that you are in an accident, stranded or are incapacitated, your contact will know your intended route and be able to pass relevant information along to the authorities.

If you practice these safety suggestions and are still the unfortunate victim of an automobile accident this holiday season, don’t burden your holidays with the worry of how you’re going to handle the details.  Instead, contact our Personal Injury Attorneys who, together with their reliable staff, will guide you through the process.

Susan D’Alonzo Ament is a partner with Morris James LLP and has practiced for 28 years representing personal injury victims.  Over the years, Mrs. Ament has found that some women don’t understand the crucial need to have adequate automobile insurance coverage in the event of a serious accident.  Susan Ament educates women on these needs every day in her practice and in seminars that she presents throughout the year.

By: Sarah E. Willette, LMT & NCTM

Massage, it’s what your body kneads to feel so relaxed at “S.E.W. Relaxed”.

Sarah E. Willette is a Licensed Massage Therapist, she is Nationally Board Certified in Therapeutic Massage, and has her own business called “S.E.W. Relaxed”.  She is certified in several different modalities but her favorite one is Mu-Xing Massage which Sarah studied under Karin Hampton and Susan Hanna who developed Mu-Xing Therapy Massage here in North Wilmington.

Mu-Xing Therapy uses heated bamboo and rosewood tools varying in special shapes and sizes depending on the area of the body they are being used on.  For instance, the warmth of the Embracing Spine tool allows the Massage Therapist to work the muscles that are along the spine; the affect of the warmed Half Moons, which fit perfectly into the Massage Therapist’s hands, allows the Therapist to work deeper into the muscles all over the body.

The theory behind this modality is twofold: The warmth of the instruments creates a deep sense of overall relaxation, which ultimately enables the Massage Therapist to work deeper into the client’s muscles and tissues.  In addition using these tools will save the Massage Therapist’s hands, using less exertion and reduces fatigue, which in the long run, can help to ensure a longer career for the Massage Therapist.

Bamboo comes from a living stalk and Rosewood is a natural hardwood; wood symbolizes life and energy.  Mu means wood and Xing means element, in Mu-Xing we bring the wood element to our clients massage, enhancing one’s connection to Mother Earth.  Our bodies have their own energy known as “chi” which becomes depleted from stress, insomnia, and tension, stimulating the muscles and tissues helps the body regain its strength and balance.  I believe using Mu-Xing Therapy is more beneficial in stimulating one’s chi than hot stones which are a non-living mineral; not to mention that the heated wooden tools on one’s skin feel exceptionally relaxing and calming.

With the holidays nearing and Valentine’s Day around the corner, be sure to ask Sarah about gift certificates for massage therapy sessions; they make excellent gifts and are appreciated by everyone.  Purchase a gift certificate during the months of December &/or January, mention this article, and you will receive $10 off each one-hour massage session you buy.

To schedule a Mu-Xing appointment with Sarah, contact her at 302.650.0763. Visit her website at www.sewrelaxed.com.  If you would like to learn about Mu-Xing courses, please visit Karin and Susan’s website at www.mu-xing.com.

Presented By: Crystal Gooding

The holiday season is here! Whether you’re looking for something far different from the icy, cold weather or just have an inkling for a fulfilling alternative to the holiday routine, Christmas and New Year’s in the Caribbean offer a distinctively different experience we warmly welcome.

Cruising the Caribbean or staying at a Caribbean resort during the holidays is one of the most popular times of the year.

• Timing – the sooner the better – Historically, vacationers were only able to get great deals and values when booking very early in advance.  However, premium accommodations such as balcony or window cabins on cruises and family size suites at resorts are reserved on a first come, first serve basis.
• Flights – Often expensive and overbooked this time of year, consider the cruise line’s flight offer and reserve as soon as possible.  For Resorts, leave from the nearest airport to your hometown.  This will save on drive time and money.

Here are a few specials for you to consider:

• Aruba: Book Now – April 12, 2012 Travel January 3 – December 16, 2012
• Mexico: Book Now – April 7, 2012 Travel October 1, 2011 – April 7, 2012
• Punta Cana: Book Now – April 30, 2012 Travel December 23, 2011 – December 23, 2012

Note: Above specials are based on availability.  Hotel blackout dates may apply.

Testimonials:

With all our traveling together, my husband and I have never used a travel agency.  Preparing to plan our honeymoon, together we decided to use a travel agency because it was for a special occasion.  We used Simpson Travel which was referred to us by our parents.  It was the best decision we made!  Our agent was Crystal, and we were taken care of extremely well.  All of the location options she recommended to us made it hard to decide.  Finally we decided on the resort, Royal in Cancun.  It was AMAZING!  The staff was magnificent and made us feel like royalty.  We are looking forward to using Simpson Travel again for future travel. ~ Rachel & Jason

Crystal, I never really thanked you for arranging everything for us.  I know I can go online and do it myself but I’m not the professional and would worry constantly about making an error.  It’s nicer to have somebody who knows what they’re doing.  Thanks so much. ~ Joyce N

For further information please call Simpson Travel 302-378-0894 OR

email simpsontravel@yahoo.com.

Check out additional specials at

www.simpsontravel.biz