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Dividing an IRA in divorce

When couples in Connecticut divorce, asset division is often a primary concern. In many cases, Individual Retirement Accounts (IRAs) may be the couple's most substantial assets. Because of their significance within the marital estate, dividing these accounts can be a complicated process.

Some types of retirement accounts, such as a 401(k), can be divided in a divorce via a Qualified Domestic Relations Order (QDRO). This document can be used to distribute Qualified Retirement Plans so that neither spouse suffers any negative tax or early withdrawal penalties.

For 6 years running, fall protection tops OSHA violation list

Each year, the Occupational Safety and Health Administration releases a list of the most frequently cited workplace safety violations nationwide. Employees in Connecticut and other states who work in logistics, bulk transportation and other industries may be interested in knowing that fall protection leads the Top 10 Violations List for 2017 and has now done so for six consecutive years.

In the fiscal year 2017, more than 6,000 citations were issued for violations that occurred under fall protection general requirements. Concurrently, citations for violations under fall protection training requirements appeared on the OSHA's Top 10 list for the first time. This violation claimed the last spot on the list with 1,523 citations issued. Citations under this heading include failure to train workers on fall and equipment hazards and fall protection equipment use and maintenance.

When contemplating divorce, whose needs come first?

Married couples in Connecticut and other states who have put the possibility of divorce on the table may question whether they should delay the process for the sake of the kids. If the situation is abusive, it may be impossible to stay. However, when parents believe that they do have a choice, they may simply delay the inevitable by remaining in a marriage that does little to satisfy their yearning for love, fulfillment and intimacy. Parents who are discussing divorce may want to consider the conditions under which it might be appropriate to put their own needs first.

Impacting the entire family, divorce may have long-term effects on the children. Children who come from divorced homes may manifest emotional problems and be less likely to pursue higher education. Children whose parents are divorced have an increased likelihood of divorcing their own partners years down the road.

Even office workers are at risk of a serious injury

When you think about workplace injuries, you may imagine only catastrophic accidents involving amputations or lacerations. The truth is that all kinds of harm can come from the workplace and result in injuries that impact workers. For example, if you work in an office, you could suffer from repetitive-motion injuries or be in pain as a result of sitting in the same position every day.

It's important for office workers to know that they may have a right to compensation for work-related injuries. If you're hurting or unable to work because of tripping, slipping and falling, or suffering another kind of injury in the workplace, it's important to seek medical care.

Get prepared for dangerous winter driving

It's time to get ready for the winter weather. Snowy and icy conditions on the roads pose a hazard to all drivers. Around 70 percent of citizens of this country live in areas that get at least five inches of snow; in Connecticut, we often see substantially more.

Preparing to drive during the winter months starts before you leave home. Here are some points to remember as you are getting ready to venture out in the colder months of the year:

Divorce follows a basic framework from start to finish

Although the issues that drive people to end their marriages may differ, people in Connecticut will navigate basic steps before completing a divorce. Factors such as children, finances and animosity between spouses might complicate matters, but essentially a divorce requires filing, responding, negotiating and agreeing.

The filing represents the act of preparing legal forms to initiate a divorce. One spouse will present the other spouse with the documents called the petition and summons. Upon taking this step, a person should obtain some legal advice especially if child custody and financial support need to be addressed. After filing, the spouse that received the petition and summons must submit a response to the family court.

Factors that may lead to a divorce

Although there is no way to say for sure if a couple will get divorced, there are factors that may increase the risk of a separation. For instance, if a person in Connecticut or elsewhere is married in their teens or after age 32, they stand a greater chance of divorcing. Age gaps may also a play a role in the success of a marriage as the odds of a divorce increase the wider the gap is.

Husbands who don't work full-time may be at a higher risk of getting divorced as well. This may be because of the old stereotype that a man is supposed to earn the money for the family. Furthermore, those who don't finish high school may be more likely to get divorced because lower levels of education may mean less money. Having less money may lead to increased stress within the relationship.

When ending a marriage is better than staying married

Connecticut parents may be aware that a little more than 50 percent of all marriages end in divorce. While some marriages could have been saved if the spouses were able to get past their differences, there are certainly times where divorce is an appropriate option, especially if there are kids in the picture.

For example, a divorce may be an appropriate option for a couple when there's abuse in the relationship. If a spouse or child is experiencing physical, emotional or sexual abuse, leaving a marriage and protecting the children is important. In some cases, going to counseling can help an abusive parent start to get on the right track. However, staying in the situation could set the stage for additional abuse.

Risk factors that may contribute to divorce

Connecticut residents and others have to work daily to keep their marriage a happy and successful one. However, there are factors that may increase a person's risk of getting a divorce. While these risk factors don't necessarily doom a marriage to failure, they do increase the likelihood of someone getting a divorce. For instance, individuals who had divorced parents are more prone to having failed marriages.

Couples with contrasting drinking habits also are more likely to get divorced. The Institute of Family Studies found that people who either get married as teenagers or in their early 20s or after age 32 are most likely to get divorced. If someone is deemed to be extremely attractive, it may decrease his or her chances for a successful marriage. This may be because these individuals face greater temptation compared to those deemed to be average looking.

Blind spots happen off the road, too

Workers in Connecticut rely on their employers to establish and comply with proper safety procedures. Without these processes, all employees are at risk of on-the-job injuries that can have life-changing consequences. One area that employers sometimes ignore is that of the "blind spot" that workers can have while going about their daily tasks.

While many people associate blind spots with auto accidents, the fact is that people routinely move around areas where their line of sight is obstructed. In most cases, careful employees accommodate this deficit by using their other senses, such as hearing, to identify when another person or a possible hazard is in the area.

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