Holland Poole Holland & Sanderson PA

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Holland Poole Holland & Sanderson PA Handling Personal Injury, Workers’ Compensation and Social Security Disability. civil law matters.

Sandy Sanderson handles personal injury, workers compensation, Social Security Disability, estate planning, uncontested divorces and misc. Check out our Google+ page at https://plus.google.com/b/101058281141831869113/101058281141831869113/posts

10/15/2026

Social Security Increase for 2027

On Wednesday the Social Security Administration officially announced the Cost Of Living Adjustment (COLA) for 2027. Due to the increase in inflation, the COLA for 2027 will be the highest since the one announced in 2022 for 2023. The COLA will be 3.6%. This will result in an increase of $75 per month for each retiree. Unfortunately, the Medicare Part B premium will also increase $6.60 per month on average leaving the average net monthly increase at around $68 for 2027.

This same percentage increase applies to retirees, those on disability and those on SSI.

Insurance and LawsuitsMost people who are involved in car wrecks are surprised to learn that if their case is not settle...
10/14/2026

Insurance and Lawsuits

Most people who are involved in car wrecks are surprised to learn that if their case is not settled and it’s necessary to file suit the suit is against the person who caused the wreck and NOT their insurance company. Yes, the insurance company is the entity that actually pays in the end, but not only is the insurance company not sued you can’t even mention at trial that the defendant has insurance. It’s one of the biggest legal fictions there is.

10/12/2026

Social Security Increase Expected

Later this week Social Security will announce its cost of living adjustment (COLA) for 2027, It is estimated that it will be 3.5% This would raise the average Social Security check by more than $67. COLA each year is based on a number of factors related to inflation. This would be the highest COLA in four years. Once the official number is posted, I will give an update with a more detailed explanation.

10/08/2026

Travel Insurance

When most people think travel insurance it brings to mind coverage in the event something causes you to miss your trip. Something to pay you back for what you paid for the trip. This is good coverage to have, but if you are traveling outside of the United States you would be well served to consider whether or not you are covered for a variety of risks that may pop up on the trip.

While on a cruise a few years ago, a fellow passenger had a heart attack and was airlifted off the boat. We were all praying for the person’s safety, but as a lawyer I was also praying that he had coverage for what I knew was going to be a six figure bill for the helicopter ride. It’s a question you don’t want to have to ask yourself after the fact.

Before your next trip outside the United States take some time to examine your insurance coverage. For example, does your health insurance cover you outside the United States if you have a medical emergency on your trip? Most don’t. And if you have a serious injury or condition to happen while you are out of the country, do you have coverage that would pay for you to be medically transported back to the United States? This is called evacuation coverage and even if your health insurance plan does pay for emergency treatment outside the United States it is highly unlikely a standard health insurance plan would have evacuation coverage. You can typically buy both of these coverages very cheap on a travel insurance plan.

If you plan on driving while in another country this can bring up additional issues. Your personal auto policy likely will not cover you outside the US either. If you are renting a car, you likely will be required to show proof of some coverage in that country or purchase some from the rental company. There is a chance that your credit card company may provide some coverage if you are paying with your card. Some do, but you’d need to confirm that before your trip. The next question is how much coverage? The rental car company may be more concerned about protecting their car than protecting you from liability. You want to make sure you obtain enough liability coverage so that if you cause an accident your personal assets are not in danger. Be sure to discuss all of this with an insurance agent you trust before your trip. Most coverage for a trip will be cheap because it is only for a short period of time. The key is just making sure it is in place.

Vacations out of the country are great and provide memories for a lifetime, just be sure that you make sure you have adequate insurance so that you don’t end up with liabilities for a lifetime.

I don’t know how much the below diagram is going to help, but an accident report done by law enforcement is very helpful...
10/07/2026

I don’t know how much the below diagram is going to help, but an accident report done by law enforcement is very helpful if you have been involved in an accident that is not your fault. Always make sure that law enforcement is called so that everything can be documented and all vital information gathered.

10/05/2026

Waiver

Many people think that if they get participants in an activity to sign a "waiver" before the activity they can't be sued if any of the participants are injured. This is NOT true! Waivers may be good to show that those involved understood and accepted certain risks involved in the activity. However a waiver signed before the activity can't be used to absolve a person or business of negligence committed after the waiver was signed.

For example, if the owner of a bungee jumping company gets all participants to sign a waiver before jumping such waiver may be valid if a participant injures his neck when bouncing up from the bottom of the jump because this is a normal part of the activity that would be revealed and explained in the waiver. However, the waiver would not be valid to protect the company if they used faulty cords that resulted in an injury to the participant. Faulty cords are not a normal part of the activity and constitutes negligence on the part of the company.

If you are engaged in an activity where you are worried about getting sued a waiver might be a start for protection, but the best protection is to buy adequate insurance to protect you from the danger or dangers you fear.

10/04/2026

Help For The College Student

Most people people who hire us to draft Power of Attorneys are middle age and older. However, there is another category of people who would find these documents equally as beneficial--parents for their college students.

When your child goes off to college in almost all cases they are over the age of 18 and legally an adult. This means that if they are in an accident it may be difficult to get information from their doctors or show that you are the one to make decisions about their care if they are unable to give consent on their own. Or if you want to pick up a prescription for their ADHD medication so you can get it filled and get it to them on a weekend, you may have a problem. A Health Care Power of Attorney can give you the undisputed power to do those things. A durable Power of Attorney and Health Care Power of Attorney can also give you the authority to contact the health Insurance company if there are issues about the insurance company paying certain bills. Good luck getting your college student to do that on their own. College students are legally adults, but in many areas still need some help from their parents. These documents will allow you to help your child when needed.

10/04/2026

Personal Injury

If you have been injured in a major accident that was not your fault, there may be several sources of insurance for you. These include: liability insurance for the car that caused the accident, liability coverage for any other policies covering the driver who was at fault, med pay and underinsured coverage for the car you were in and med pay and underinsured coverage for any car you or a family member residing with you has even if you weren't in that car at the time of the accident.

In a major accident identifying ALL coverage is the key to collecting enough to fully cover your bills and compensate you for what you've been through. The biggest mistake commonly made is by people who think they don't need a lawyer because the insurance company for the car at fault is paying it's policy limits. That could be only a small portion of the insurance available and the injured person may never know all the benefits he or she gave up.

09/28/2026

Workers' Rights

Workers' Compensation laws are designed to handle claims from employees who are injured by accident on the job. An injured worker need not establish fault or negligence on the part of the employer in order to collect benefits. Because Workers' Comp laws impose liability on employers without negligence, it is the exclusive remedy by the employee against the employer and benefits do not cover all the things a typical personal injury case would. If a third party, other than the employer, is responsible for the accident that caused a worker's injury, the worker may have a claim against that party in addition to the Workers' Comp case against the employer.

You are entitled to three categories of benefits in a Workers' Compensation case: 1. Medical expenses related to the accident. 2. 2/3 of your lost wages. 3. Compensation for any permanent disability.

09/28/2026

Estate Planning

Estate planning involves much more than making a will. A will only distributes your assets when you die. A power of attorney and health care power of attorney will help you if you are living, but unable to make decisions about your finances, business or health care.

We are often asked whether a person can buy a kit and do the estate planning without an attorney. This obviously depends on the type kit purchased and who is using it, but I can say that I've never seen one that was exactly right in every area. The sad thing is the person who used the kit never even realizes that they messed it up. By the time your will is put to the legal test, you have passed away. So if it is messed up, it can't be fixed and the person is either left with a will that they didn't intend or a will that is difficult to probate or no will at all and it’s their family that has to clean up the legal mess they left behind.

Address

212 W Main Street
Clinton, NC
28328

Opening Hours

Monday 8:30am - 5pm
Tuesday 8:30am - 5pm
Wednesday 8:30am - 5pm
Thursday 8:30am - 5pm
Friday 8:30am - 4pm

Telephone

+19105925751

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