"I love Charlotte Workers Compensation Lawyers - Ramsay Law Firm, P.A."

2022-10-07 06:47:32

North Carolina Workers' Compensation & Injury Attorneys 704-376-1616 Home About the Firm Attorneys Martha L. Ramsay Brian C. Hunt Scott G. Galiger Reviews Cities Workers’ Compensation Filing A Claim Denied Claims We Represent Injured Workers Workplace Accidents Workplace Injuries Unsafe Workplaces Professional Athletes Fired While on Workers’ Compensation Personal Injury Complex Orthopedic Claims Traumatic Brain Injuries Wrongful Death Auto Accident Truck Accident Resources Blogs FAQs Video Center Contact Us Español × Home About the Firm Attorneys Martha L. Ramsay Brian C. Hunt Scott G. Galiger Reviews Cities Workers’ Compensation Filing A Claim Denied Claims We Represent Injured Workers Workplace Accidents Workplace Injuries Unsafe Workplaces Professional Athletes Fired While on Workers’ Compensation Personal Injury Complex Orthopedic Claims Traumatic Brain Injuries Wrongful Death Auto Accident Truck Accident Resources Blogs FAQs Video Center Contact Us Español Resources Español Reviews Blog Video Center Address 10610 Metromont Parkway Ste. 205 Charlotte, NC 28269 Map & Directions [+] Follow Us A Voice For The Injured Here Every Step of The Way When you have been injured at work, you shouldn’t have to take on the battle alone. Contact one of our dedicated Workers’ Compensation attorneys to fight together to win your case. Call Us to Get Started 704-376-1616 or Free Consultation What to Do In The First 10 Hours After a Car Accident If you’ve been in a car accident, here’s what you need to do immediately to protect your health, your property, and your chances to receive compensation. Call Us to Get Started 704-376-1616 or Download the checklist We Don't Back Down The Ramsay Law Firm is passionate about protecting injured workers and helping them recover. Sometimes, that means we need to take on a large, powerful employer – and we NEVER back down from a fight. We’ve successfully represented clients against these companies, and many more: Amazon American Airlines Bank of America Black and Decker Carolinas Health Care Systems City of Charlotte FedEx Ground Food Lion Harris Teeter Lowes Home Improvement Pepsi Bottling Group Target UPS US Airways Walmart And many more. Call Us to Get Started 704-376-1616 or Free Consultation Wondering if you have a case? Click here to ask Martha. With 60+ Years of Combined Experience Meet The Attorneys Fighting for You Martha L. Ramsay Brian C. Hunt Scott G. Galiger Martha L. Ramsay Martha Ramsay has been fighting for injured workers and accident victims for more than 25 years. She has settled complicated personal injury claims, litigated denied workers’ compensation claims, and won monetary damages for hundreds of clients. VIEW PROFILE Brian C. Hunt Attorney Brian C. Hunt earned his Juris Doctorate from Elon University School of Law. Mr. Hunt cut his teeth as an attorney working relentlessly on a three-week trial in Mooresville, NC, which is where he first met Mr. Dewey. VIEW PROFILE Scott G. Galiger With more than 25 years of experience as lead counsel in workers' compensation, Social Security Disability, and personal injury cases, Scott Galiger has successfully battled the system to get his clients the awards they deserve. VIEW PROFILE Martha L. Ramsay VIEW PROFILE Brian C. Hunt VIEW PROFILE Scott G. Galiger VIEW PROFILE Meet the team Skilled Workers’ Compensation Attorneys in Charlotte, North Carolina At the Ramsay Law Firm, P.A., our law firm founder and managing attorney, Martha Ramsay, has been giving a voice to the injured for more than 25 years. As a Board-Certified Workers’ Compensation Specialist, Martha listens to each of our client’s stories to learn how their injuries have affected their day-to-day activities, ongoing quality of life, and their plans for the future. Our team of skilled workers’ compensation attorneys and support staff in Charlotte bring over 60 combined years of experience to each case we represent because when it comes to protecting our North Carolina workforce and injured residents, we are all in this together. Our Mecklenburg County workers’ compensation specialists work hard for the hardworking people of North Carolina to protect your rights and pursue real results. Your Voice. Our Experience. Seeking Solutions for All Workers. We Don't Back Down The Ramsay Law Firm is passionate about protecting injured workers and helping them recover. Sometimes, that means we need to take on a large, powerful employer – and we NEVER back down from a fight. We’ve successfully represented clients against these companies, and many more: Amazon American Airlines Bank of America Black and Decker Carolinas Health Care Systems City of Charlotte FedEx Ground Food Lion Harris Teeter Lowes Home Improvement Pepsi Bottling Group Target UPS US Airways Walmart And many more. Call Us to Get Started 704-376-1616 or Free Consultation Dedicated Charlotte Workers’ Compensation Attorney Practice Areas At the Ramsay Law Firm, P.A., our Board-Certified Workers’ Compensation Specialist is one of only two National Football League Players Association (NFLPA) Workers’ Compensation attorneys in North Carolina. But we are much more than our connection to professional sports. Our Charlotte workers’ compensation lawyers are workforce advocates who use over 60 years of combined experience to represent our hardworking clients, including those who work in the trucking and construction industries, airline pilots and flight attendants, healthcare employees, and service industry and office professionals alike. With nearly 2.8 million people living in the Charlotte Metropolitan area, our skilled workers’ compensation attorneys believe everyone deserves access to top-notch legal representation no matter where they live or work in North Carolina. Our Charlotte workers’ compensation and personal injury attorneys offer beginning-to-end solutions for all in the following practice areas: Workplace Accidents Construction Accidents Denied Workers Compensation Claim Wrongful Termination/Retaliation from Workers’ Compensation Filings Personal Injury Traumatic Brain Injury/TBI Wrongful Death At the Ramsay Law Firm, P.A., we are here to help customize your case based on your personal needs by listening to each of the ways your injuries have impacted your life, so you know your voice is heard. All Workers Welcome. Ask Martha for Help Today. Experienced Workplace Accidents Attorneys in Charlotte, North Carolina At the Ramsay Law Group, P.A., our skilled workers’ compensation attorneys in Charlotte know that a workplace accident means something different for each of our clients. For an NFL player, it could mean a shattered dream. For construction, factory, and warehouse workers, it could mean serious health consequences. For truck drivers, it could mean being taken off the road. For healthcare workers, it could mean the inability to fulfill a calling to help save lives. For flight attendants, it could mean being grounded going forward. For service industry workers, office personnel, municipal employees, and everyone in between, it means mounting medical bills, lost wages, and additional expenses that are increasingly difficult to rebound from physically, emotionally, and financially. We are here to help you face your recovery with confidence and the conviction necessary to stay the course to get your life back on track while we fight for your workers’ compensation rights, healthcare, and compensation. Help is Here for All Workers. Ask Martha What She Can Do For You. Experienced Construction Accidents Workers’ Compensation Injuries Construction work is consistently ranked in the top twenty most dangerous jobs in the U.S. At last count, preliminary data showed that there were 7.2 million construction jobs throughout the country, marking the highest employment level for the construction industry in a decade. No matter your role on a construction site from painters, electricians, framers, roofers, masons, welders to installers each job comes with a specific set of risks most of us do not encounter in the workplace. Last year alone, throughout the U.S., there were approximately 150,000 construction site accident injuries that claimed more than 5,200 lives, according to the U.S. Bureau of Labor Statistics. The most common causes of construction accident injuries in North Carolina include: Falls Struck by an object Electrocutions Caught in between objects Explosions or burns Slip and falls Machinery accidents Trench or ground collapses Getting hit by a vehicle Overexertion If you have been injured in a construction accident in North Carolina, contact our skilled workers’ compensation attorneys in Charlotte today to learn more about your legal rights and options to pursue the benefits you are entitled to as a worker in the Tar Heel state. Will My Construction Injuries Be Covered? Ask Martha. Denied Workers’ Compensation Claims Attorneys in Charlotte, North Carolina With very few exceptions, all businesses that employ three or more employees — whether they are sole proprietors, LLCs, partnerships, or incorporated — must carry workers’ compensation insurance, or qualify as self-insured employers as required by the North Carolina Workers’ Compensation Act. Because this is true, denied workers’ compensation claims are not only incredibly confusing for our North Carolina workforce, they are devastating. Workers’ compensation denials are often based on one of three factors: The employer refuses to admit that the injury occurred during a work-related activity. The insurance company simply calls you a liar by stating you are not hurt at all. The workers’ compensation laws state your injury occurred in a way that does not comply with the obligation to show that you were injured by accidents, by a specific traumatic incident, or an occupational disease. At the Ramsay Law Firm, P.A., we believe you are injured, and we want to help protect your rights, eligibility, and ability to successfully pursue workers’ compensation even if you have already been denied coverage. We Believe You, and In You. Teamwork Produces Results. Ask Us How Today. Wrongful Termination/Retaliation from Workers’ Compensation Filings At Ramsay Law Firm, P.A., our specialized workers’ compensation attorneys in Charlotte want to make one thing very clear to our clients: It is illegal for your employer to fire you for filing a workers’ compensation claim. Retaliatory employment discrimination, or retaliation, is strictly forbidden under North Carolina Retaliatory Employment Discrimination Act (REDA). Getting hurt at workplaces all our clients in a difficult position. And we know pursuing your employer’s insurance provider for compensation after an injury often comes with torturous feelings that filing a workers’ compensation claim is akin to biting the hand that feeds you. Other workers with an employer who has been good to them, do not want to feel as though they are filing a claim that will cast a negative light on their organization — or cost them money. Unfortunately, some of these employees are met with the opposite reaction from their employer and lose their jobs because of filing a workers’ compensation claim, literally adding insult to injury. If you were fired while pursuing or receiving workers’ compensation, your employer must show and prove there was a legitimate reason for terminating your employment. Otherwise, the termination could be seen as retaliatory, which will require working with our law firm and partnering employment attorneys to help you get your job back, recover the wages you should have been making, and even money for your legal fees. In some cases, your employer may also face punitive fines or pay you a settlement, which can empower you to take the time you need to find a new, respected position in our North Carolina workforce. Ask Martha How She Can Help You Get Back to Work. Catastrophic Personal Injury Attorneys in Charlotte, North Carolina At the Ramsay Law Firm, P.A., our Charlotte personal injury lawyers know that our residents can get hurt anytime, anywhere, when negligence is a factor. Whether it is a vehicle collision or harmful work-related circumstances, our clients’ lives are changed forever when a catastrophic injury including Traumatic Brain Injuries occur. The fact is, nearly three million people visited emergency rooms throughout the U.S. last year seeking care for traumatic brain injuries. The Centers for Disease Control reports that approximately 166 Americans die from Traumatic Brain Injuries, or TBI-related injuries each day, totaling nearly 61,000 deaths each year. The major causes of Traumatic Brain Injuries are listed by the CDC as: Nearly half, or 49.1%, of all TBIs, are caused by unintentional falls 25% of all TBIs are caused by motor vehicle collisions Nearly 17% of all TBIs are caused by individuals being struck by or against an object 11% of all TBIs are caused by assaults Unfortunately, many of the same causes of TBIs often coincide with the most common types of construction-related accidents, which place our clients’ lives and livelihoods in danger. When you cannot work because of a Traumatic Brain Injury, your extensive medical care, lost wages, and inability to support your family will only compound the challenges you face during your recovery. We can help you focus on reaching the positive light that seems so far away, so you can face your TBI with confidence knowing our skilled Charlotte personal injury lawyers are working tirelessly to pursue the outcome you deserve, so you can get your life back. Are My Personal Injuries Eligible for Compensation? Ask Martha. Compassionate Wrongful Death Attorneys in Charlotte, North Carolina Losing a loved one during a work accident or to negligence is one of the most devastating events any family can go through. Unfortunately, the grieving process often makes it difficult to understand how that loss will affect your family’s finances and overall livelihood until the challenges continue to mount. In North Carolina, the personal representative, or executor, of the deceased person’s estate may be eligible to file a wrongful death claim to pursue the financial recovery they deserve for their loss. The court will appoint a personal representative if the decedent did not leave a will, or if the person named therein will not or cannot pursue a wrongful death claim on his or her own. Depending on how your loved one lost his or her life, your benefits may vary. Our skilled and compassionate Charlotte wrongful death lawyers will walk you through your eligibility to file a claim while outlining your financial recovery options, so you can seek justice on behalf of your entire family. Ask Martha How We Can Help You Speak for Those Who No Longer Have a Voice. Contact Our Workers’ Compensation Specialists in Charlotte, NC at the Ramsay Law Firm, P.A. for a Free Consultation Today At the Ramsay Law Firm, P.A., our dedicated workers’ compensation and personal injury attorneys in Charlotte have 60+ years of combined experience producing personalized results for our clients. We are dedicated to helping our North Carolina residents have their voices heard through customized legal representation that ensures you will never get lost in the shuffle or be bogged down by red tape and legal details. Call us at 704-376-1616 or contact us online to meet with a Board-Certified Charlotte Workers’ Compensation attorney and allow our skilled team of lawyers and support staff to handle each detail of your case, so you can focus on your recovery. Ask Martha How You Can Join Our Proud List of Client Successes Today. https://www.ramsaylawfirm.com/wp-content/uploads/2022/04/Chiquita-Phillips-review.mp4 https://www.ramsaylawfirm.com/wp-content/uploads/2022/04/Wright-Marcus-promo-video.mp4 https://www.ramsaylawfirm.com/wp-content/uploads/2022/04/Julia-Davis-Review.mp4 Ramsay Law Firm: A Voice for the Injured By Your Side Throughout Your Case Thousands of workers across the United States are injured every day in workplace accidents. When people are hurt on the job, they don’t always know what steps they need to take to protect themselves. Being unable to work can be as difficult as the injury itself because people take pride in their work and their ability to make a living. Some employees wait until after the deadline to file a workers’ compensation claim and miss out on receiving necessary medical treatment and compensation for permanent or partial disabilities brought on by workplace injuries. At Ramsay Law Firm, P.A., we take the time to teach our clients about their legal rights and guide them through the entire workers’ compensation process. We work as a team with our clients to craft the best solution for their unique needs because no two clients are alike. We are committed to treating each other and every client with respect. Trusted Representation You Are the Reason We Work Hard My agent suggested Ramsay Law Firm and knew I wanted to have some protection after my professional career was over. Martha and the Ramsay Law Firm were consistent, honest, and thorough throughout the process and stayed in touch and gave advice that I am thankful for throughout my claim, which... Brad This was my first time using a lawyer. I always thought "running" to a lawyer was just a money grab. I could not have been more wrong! You need someone with legal knowledge in your corner. Thank you Ramsay Law Firm. Patrick M. Great law firm. Handled my son's case as quickly as they could with everything going on. Kept us in the loop. Hopefully, we won't need them again, but if we do, I will definitely call them. Dionne C. I cannot be happier with the Ramsey law firm (Martha, Cho, Deja, Stanley) did an outstanding job and I would recommend them to anyone. They all work like a well-oiled machine, they were all friendly, professional, and consistent. I was battling a workman's comp case and the Ramsey law firm... Marcus W. I had a wonderful experience with this law firm. Everyone at the firm was extremely nice, friendly, and professional. They always looked out for my best interest. I could not be more pleased with the communication and services I received at this firm. I would HIGHLY recommend Mrs. Ramsey and... Julia D I was injured getting out a truck at work. When my case was denied, I found Ms. Ramsay online. Things went better than I expected. I have never understood attorneys before and had no idea what to expect. If I didn't have an attorney, I don't know what would have... Patrick M. After being injured at work I found Mrs. Ramsay online. I looked at a couple of places, but after sitting down with Ms. Ramsay, I chose her. It just felt right. Deja was on point-everything was great. What she did for me and my family- I have no words. Angelo S. Going into my settlement case I was super nervous. Never been through anything quite like this, so I didn't know what to expect. But I was always reassured and kept in contact about any and every change that happened. Overall the experience was good and I'm glad that I chose... Anonymous When I was injured by a heavy door hitting me in the head at work, my workers' compensation claim was denied. Ms. Ramsay is awesome and constantly gave me feedback and advice on my case. She did a good job! James S. I am very happy with Ramsay Law Firm. Everybody is very friendly and nice. They answered all of my questions and I was very pleased. Anne N. After a work accident, I went to the Ramsay Law Firm. They were very knowledgeable and stayed on top of my case. They were also able to help me weigh out the options that I had with my case. Lester M. After I was hit in the back by a forklift, I went to Ramsay Law Firm for help. I think the service I received was wonderful and I would definitely refer. Mr. Galiger is very knowledgeable about Workers' Compensation. I was very scared and timid, but they broke everything down... Pamela J. I watched a lot of people get hurt before and I was the one who wasn't going to have it- I wanted to get my point across and I am happy with Ramsay Law Firm. I was never left in the dark- they always kept me informed. Ms. Ramsay never... Christopher D. I had a personal injury case as I was hit by a car, and I contacted Mr. Hunt and he dealt with it. Gladly, thanks to him and Nataly, I won the case against the insurance company. I would definitely recommend them for all personal injury cases. Waleed A. I was referred to Ramsay Law Firm by a great friend of mine and I am so glad she referred me. The staff was amazing, especially Austin Wells whom I worked with a lot. Austin showed exemplary service and catered to all of my needs expeditiously all while remaining professional.... Yessica C. I would highly recommend Martha Ramsay and her law firm. They are a great bunch and quick to respond. They made sure that I got the best care and the most for my settlement Tony S. My husband and I have been clients of the Ramsey Law Firm for over ten years. We were treated like family, respect, courtesy, and consideration for your legal needs. They're the firm that will get the job done. Dorine T. Went to Ramsay Law Firm for a worker's comp case. I could not have asked for more from her and her team. I would not have been able to handle this by myself. Mrs. Ramsay and her team were professional, knowledgable, and expedient. I would highly recommend it. James S. If you need an attorney I highly recommend Ramsay Law Firm. They took great care of me and the staff is excellent. Rick J. Ms. Ramsey has been so helpful in this stressful situation I was in. She made me feel relief every time I talk to her, she very informative and provided results. I’m happy to say that she went above and beyond with my care and my case. Chris F. Martha and her crew have been nothing short of AMAZING, as well as care and very attentive. Deja at the front desk is very polite and helpful! Can see her smile through the phone. All of the staff have been VERY helpful and efficient!! Can't THANK YOU enough!!!! Eric B. Great attorney office, they treat you just like family. They are quick to respond and keep you informed. Great staffing, always a happy voice on the phone and in person. I would refer them any day for all my need in a situation I need an attorney. Never any disregard... Trevia K. Very pleased with the experience and the results. I felt like family from the beginning to the end. I recommend The Ramsay Law Firm to everybody in need of support and direction. David D. I was in a car crash and the adjusters were trying to use my pre-existing disorder against me. I sought out Ramsay Law Firm for help. The communication was great between Brian and I. The communication with the entire office was great; very timely. Very helpful and friendly. I didn't... Shakira I had a sprained ankle and a co-worker fell on it, re-injuring it. I found Ms. Ramsay on Google. At first, I was kinda settling just to get it over with but Ms. Ramsay pushed me and my confidence that she could get more. She was very professional and I... Jannean Mrs. Ramsay is a wonderful attorney. Hard-working, caring, willing to fight the long haul. She is truthful, honest, and will not leave you hanging. I do believe that you will not go wrong with her on your side. The office staff is beyond words. They have been invaluable to us... Kay M. Martha Ramsay and her staff are very professional and on point, very thorough my experience with her staff including Branda, Tanner, and Mr.Harris was top shelf. They are definitely a law firm for the people, and l would recommend this firm highly. 5 stars doesn't begin to tell the full... Michael C. Since the beginning of my claim hiring Ramsay Law firm to represent me was the best choice I made. Through the entire process, Martha Ramsay and Cho Xiong represented me better than I could have ever expected. They always protected me legally and medically through the whole process. They both... Joshua M. I sought legal services from Martha Ramsay for an injury I received on the field. I’m a direct person and I appreciated her directness and going to bat for me. She is not a sugar-coater and I liked that. Her paralegal, Cho, was great and kept in constant contact. Former Client Martha Ramsay and her staff members are terrific. They went above and beyond any other lawyer, I could have thought of.... very pleased with the outcome. Cynthia C. I was hurt in a car accident. I was referred by a relative to Ms. Ramsay. My case was handled very professionally and one on one. I felt like I was their only case even though I knew I wasn’t. Brenda was really on top of things and was great!... Dale She will be a friend to the end. She gets the job done. God has many blessings in store for her. Towanna J. Love Martha Ramsay and her paralegal Choo. They will definitely fight for you and get you the best possible settlement. The entire staff is amazing and keeps you up to date with what is happening. If not for them I would have never won my case and would have been... Kay M. I was hurt at work when I fell off my truck while on the job. A friend and former client of hers recommended Ms. Ramsay. There was constant communication, and I always felt at ease. Ms. Ramsay or my paralegal always explained what was going not and I was never... Dennis I had an auto accident and found the firm online. Brenda & Brian Hunt (paralegal & attorney) were quick in response to any inquiry that I had with good details. I didn’t feel like they forgot about me. Everything was explained upfront. Happy with the results. Jennifer I was injured on the job, and after nearly a year of getting the run-around from the insurance company, the doctor, and my employer, I needed outside advice on how to handle the situation. Everyone seemed to blame me for the injury and the fact that it wasn’t improving, rather... Rebecca I was referred to Ramsay Law Firm from one of my sales clients, who was a previous client of Ramsay Law. I had a work injury I needed help with. After talking with Ms. Martha Ramsay, I had complete confidence that she was going to look after me. I was... Jimmy It seemed like when the chips were down and I was giving up hope, Martha kept me going. She got me a settlement that I am more than happy and satisfied with. Eric Contact Us Today Let Us Be Your Voice We Represent All Workers Our attorneys have focused our practice on workers’ comp cases for years and, as a result, have worked with a variety of workers across a wide range of industries. Accidents and injuries can happen in any industry not just construction and when they do, you deserve to be compensated. We’ve proudly represented workers such as: Construction workers Healthcare workers Hospital workers Nurses Police, fire & municipal workers Professional athletes Retail & restaurant workers Truck & vehicle operators Truck drivers Union workers Factory, warehouse & manufacturing workers Navigating the claims process can be tricky, but we can stand by your side each step of the way and educate you on your case and the law so you feel informed and empowered. Whether you’ve been injured in a slip and fall accident or have repetitive stress injuries, you can trust us to know how to secure your entitled benefits. learn more about who we represent “I was never left in the dark- they always kept me informed. Ms. Ramsay never gave up on me. My questions were always answered and explained and she was always prepared for every phase.” – Christopher D. You Deserve The Best Over 60 Years of Experience We Address All Of Your Questions: Can I lose my job if I file for benefits? How long is considered “too long” for me to be out of work? Who can treat my injuries? How can I pay for my medical expenses? speak to an attorney today Frequently Asked Questions Will I Be Covered by Workers’ Comp? Generally, you can rely on two main factors to determine whether your injuries qualify for coverage: first, if you’re an employee, and second, if your injury occurred as a result of your employment. However, there are many other factors that insurance companies and employers take into consideration, and they may deny your claim if, for example, you were intoxicated at work when you were injured, or if you’re in a profession that isn’t covered by the workers’ comp system. It’s important to hire a workers’ comp attorney who can assess your situation and determine whether you have a right to benefits. What Benefits Are Available? When you receive workers’ compensation benefits, you can have your medical bills covered, including the costs of all office visits, treatments, hospital stays, and procedure-like surgeries. You can also receive your regular pay to make up for lost wages, as well as temporary or permanent disability payments. After a loved one dies on the job, their surviving family members can receive death benefits, including a stipend for funeral expenses. Why Do I Need a Lawyer? Though your eligibility for workers’ comp benefits may seem clear-cut, there are countless claims that are denied by employers and insurance companies for various reasons. Insurance companies often try to undermine or reject claims in an effort to save money, and they do this by looking for any lack of evidence that your injuries are work-related. By having an attorney who can gather the evidence you need to support your claim, you can make sure you receive the benefits you deserve to heal. learn more Stay In The Know Read Our Workers' Compensation Blog August 29, 2022 What are the Average Workers’ Compensation Payouts in the U.S.? View Article Workers' Compensation August 15, 2022 Can I Get Fired For Filing A Workers’ Compensation Claim in North Carolina? View Article Workers' Compensation July 29, 2022 Is it Worth it to File an Appeal for My Denied North Carolina Workers’ Compensation Claim? View Article Workers' Compensation view more x Fill out the form bellow to view the pdf. 704-376-1616 Fax: 704-376-8887 Follow Us Local Office 10610 Metromont Parkway Ste. 205 Charlotte, NC 28269 Map & Directions [+] Links Home Attorneys Workplace Injuries Personal Injury Professional Athletes Construction Accidents Blog Contact Us Site Map Privacy Policy Scholarship Application Cities The information on this website is for general information purposes only. Nothing on this site should be taken as legal advice for any individual case or situation. 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