Ridge & Downes - Law Firm

  • Oregon Study Article

    Every two years the State of Oregon Department of Consumer and Business Services conducts a study on workers’ compensation insurance premiums. In October 2014, they found that Illinois experienced the steepest reductions in workers’ compensation insurance premiums in the country in the last two years. The study estimates that Illinois rates dropped 24 percentage points from 2012 to 2014, whereas the national median was a reduction of only 2 percent.

    In September, 2014, the National Council on Compensation Insurance reported a 19.3% drop in loss costs since 2011. This is a savings of more than $450 million since the amendments to the Workers’ Compensation Act were passed in 2011. For 2015, the Department of Insurance recommended a 5.5% cut in rates. This is the third straight year a rate reduction has been recommended. If insurance companies had followed the NCCI’s recommended rate reductions, employers could have released an additional $1 billion in premium decreases. However, insurance companies are not required to make the recommended reductions in premiums.

    If Illinois has experienced nearly a 20% reduction in loss costs, why are business associations calling for more “reform”? This would only take away more rights from injured workers and increase the insurance industry’s profits. Real reform should promote transparency in the insurance industry to determine why the reduction in loss costs is not being translated into even further rate reductions for employers. Given the lack of premium oversight, workers’ compensation insurance remains the second most profitable line of insurance after auto insurance. Before the legislature contemplates taking away the rights of injured workers, they should mandate the insurance industry pass the cost savings along to employers by way of further premium reductions.

    So what is the answer: Insurance Reform! Injured workers and medical professionals have accepted steep decreases in benefits and reimbursement in order to lower costs for business. The next step to insure rate reductions keep pace with lowered costs is regulation of the insurance industry to assure that they pass along cost savings to consumers.

  • Dangerous Toys

    Now that the holidays are over, we are sure that your little ones are spending many hours enjoying the toys that Santa delivered. Please be aware, however, that Santa’s bounty may also include toys that pose significant dangers for your children. One of the most common items involved in product liability cases are children’s toys. Defective or faulty toys may cause serious injury or even death to your children.

    According to the US Consumer Product Safety Commission (CPSC), in 2013, there were an estimated 256,700 toy-related injuries treated in U.S. hospital emergency rooms. Of the 256,700 injuries, an estimated 73% happened to children younger than 15 years of age. In addition CPSC staff received nine reports of toy-related deaths that occurred in the 2013 calendar year among children younger than 15 years old.

    Many children are injured because they weren’t properly supervised. Other injuries occur because the parent failed to follow the toy manufacturer’s instructions properly. Serious injuries and even death can however also occur due to a toy being inherently defective or dangerous. Always be conscious of the fact that many toys are mass produced and assembled in third world countries, where quality is not nearly as important as quantity.

    According to CPSC, the following are the common causes for toy-related injuries in children:
    • Small parts of the toy that can choke children;
    • Sharp edges or materials of toys causing cuts, grazes and deep lacerations;
    • Strings, ribbon, and cords that can strangle a child;
    • High amounts of hazardous chemicals; and/or
    • High amounts of lead content.

    The most common toys that cause injury include: Rocking horses, balloons, battery operated toys, toys with electrical cords, toys with sharp or jagged edges.

    In accordance with the Consumer Product Safety Act (CPSA), US toy producing companies must ensure that their products are safe for children’s use and they should not contain any hazardous chemicals or materials. The Act gives CPSC the power to develop safety standards and pursue recalls for products that present unreasonable or substantial risks of injury or death to consumers.

    What can you do about dangerous toy injuries?

    Toy injury claims are based on the legal concept of Product Liability, alleging the toy was defectively designed or built. Regardless of the cause of your child’s injury, such as choking on a small part, or getting burned by a hot wire, the actual legal basis for your claim will lie in the negligence of the designer or manufacturer in the manner in which the toy was designed, produced or distributed. In order to successfully bring a products liability action for an injury to your child because of an alleged dangerous or defective toy, you must be able to prove four main elements, called your burden of proof.

    These elements are:
    1. The toy was defective;
    2. The designer or manufacturer’s negligence caused the toy to be defective;
    3. As a direct result of the negligence in the design or manufacture of the toy, your child was injured;
    4. Your child’s injuries resulted in compensable damages.

    The law states that the manufacturer of a toy must exercise reasonable care in its design and manufacture, so the toy does not unnecessarily harm a child. The law does not state the manufacturer has an absolute duty to ensure your child will not be injured by the toy.

    If the injuries weren’t serious enough to require medical care, you probably don’t have a case. It’s not enough that your child sustained a minor cut or bruise, or momentarily choked on a piece of the toy. To have a valid personal injury claim, your child’s injuries must be serious enough to require medical care.

    In addition to medical costs, you can also include out-of-pocket expenses (ex. medications, bandages, etc.), lost wages if you had to miss time off work to care for your child, and the pain and suffering your child endured as a result of the injury.

    In an unfortunate scenario that your child gets injured due to a defective toy, the following are SUGGESTED TIPS for parents whose child gets involved in a toy-related injury:

    1. Call the emergency department immediately– Have your child diagnosed by a physician in order to have the injury treated and to avoid further injury.

    2. Follow doctor’s prescription – Once the injury is treated, strictly follow the doctor’s recommendations concerning medication and diet.

    3. Document the incident – Keep medical records of your child and take note of the information regarding the incident. Make sure to document pieces of information regarding the toy that caused the injury. Include information such as the toy name, the manufacturer, and serial number of the product. If possible take photographs of the toy and of the part of the toy in particular that you claim is defective.

    4. File a complaint with the CPSC – CPSC welcomes complaints about toy-related injuries. The CPSC has a number of resources that can help you protect your child including safety guides and tips for preventing accidents and injuries. The commission’s website also provides updated lists of products that have been recalled and the reasons why, as well as a consumer hotline and a link where you can report unsafe products. The website is http://cpsc.gov.

    5. Consult Ridge & Downes Attorneys– Legal representation from highly specialized attorneys who are familiar with product liability cases is advisable if your child has been injured by a defective or dangerous toy.


    The result of the November election for Governor could forever silence the voices of working men and women in Illinois, ending their ability to negotiate wages, benefits and other work-related issues. Bruce Rauner’s campaign website promises that he will “Create Right-to-Work zones and allow local communities to decide whether workers must join a union in order to get a job.” He further threatens the futures of all public-sector employees when he states he would “Allow state workers to choose whether they want to join a government employees union, instead of being forced to do so.” He very explicitly says he wants to end the rights of all workers, but most specifically, police officers, fire fighters, corrections officers, teachers and other public sector workers, to collectively bargain. 

    Even though Governor Quinn and the public employee unions differed on pension issues, the two public employee’s unions that represent teachers (IFT & IEA) have endorsed Governor Quinn. The service employee’s union (SEIU) has also endorsed the Governor for re-election.

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