Guest guest Posted August 29, 2005 Report Share Posted August 29, 2005 I know that we have been discussing full disability in the recent weeks, but with my precarious employment situation I have been pondering the possibility of partial disability. What brought this to mind was a comment one of our nurses made that because of an injury (back, neck?) she receives a percentage of her salary as partial disability (she is concerned with the buy-out that she will lose it, I am not sure how or why but that is how it came up in converstation last Friday). Does anyone know what this is? and how you go about finding if I would qualify? My husband's dad, also had this for the last few years of his work......he had rotator cuff problems and received compensation for this. Is this only with on-the-job related injuries? The reason I am thinking about this is because I realize that if I am forced to get a " real " job - as opposed to the one I have now - I would have difficulties keeping it. I have problems being able to drive in the morning because of my medication and on the days that I need to increase my pain meds, I am not the most sharpest pencil in the holder.....and I am lucky enough to make my job duties for the day, conform to how I am feeling. If I need to lay my head down for an hour or so, I can and do.....However I know that if I look for another job - even one within my current employer - that I will lose this ability to make my job fit my health status. Would this qualify for partial disability? Also I am wondering about my drug use and its relationship with employability...I know that technically, an employer cannot discriminate because of health problems and medication needs...but in reality, have people who are job hunting find that the mention of narcotic use (because of the disclosure on the pre-employment drug test) is a big turn-off? And if so, isn't that reason alone for qualifying for disability?????? All things that went through my mind this weekend......... laurie Quote Link to comment Share on other sites More sharing options...
Guest guest Posted August 29, 2005 Report Share Posted August 29, 2005 -Ican reply to the on the job injury.. The way worker's compensation works is if you are unable to work full-time or to your full capacity the insurance carrier is required to pay you up to the percentage of your disability. I am 60% disabled due to a work related injury so I receive 60% of the worker's compensation income (66% of your pay at the time of the injury) . The bad thing with worker;s compensation is that it is always based on your income at the time of your injury..you never get a cost of living increase. If I earn more than 60% of the 66% then they pay me nothing. I think with SSDI if you qualify for total disability and recover some, they sometimes supplement your income even if you are working part time. It is also illegal for an employer to ask about your health or personal situations. The only question I know they can ask legally is if you have been convicted of a felony. But it is your responsiblity to make sure that whatever job you apply for suits your physical abilities. I have neck,back and shoulder problems which prohibit me from lifting, therefore I don't apply for jobs that require lifting and i ask about lifting to any job I apply for. If you have concerns about driving and your medications, don't apply for a job that requires driving. I am in the boat of looking for a new job (laid off last week)so I know how difficult it can be to apply and know what to say and what not to. I never tell anyone about my worker's compensation disability. I apply for part time and say because it is my choice (which technically it is, i could not work too) As far as the pre-employment physical, you disclose to the doctor or tester any medications you have a prescription for and are taking and they are supposed to be excluded from the test. (YOu may have to show proof of prescription). Hope some of this eases your mind. Theresa -- In pancreatitis , " goutbuster " <goutbuster@y...> wrote: > I know that we have been discussing full disability in the recent > weeks, > > laurie Quote Link to comment Share on other sites More sharing options...
Guest guest Posted August 29, 2005 Report Share Posted August 29, 2005 Laurie, Do you have disability insurance through your job? My husband was on partial disability prior to full disability. It was through a policy he had through work. You will need your doctor to be behind you 100%. When my husband's doctor suggested he go on full disability, we notified disability insurance co. They sent forms to the doctor to fill out and they paid full benefits. The policy required we apply for SSDI which we did and when that started, they cut amount they paid us so between the two he get's 66% of his wages. Good Luck to you Darlene Quote Link to comment Share on other sites More sharing options...
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