Inspired Spinal Cord Injury Support Forum

sherry
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Injury: L1 burst fracture, t8-t9 ASIA A complete
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Need to vent Feb 4, 2014 5:24:45 GMT -8 via Inspired Mobile

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Post by sherry on Feb 4, 2014 5:24:45 GMT -8

Had meeting with employer yesterday with rehab OT and 'union rep'. I am bummed out at my insurance company (at work)!!
It is looking as if I will only be able to do three days per week from now on instead of five. So I found out yesterday that my insurance company will only pay 95% of the difference in hourly pay if they put me in a lower paying job (which they will)!! So the two days per week cut will be completely unfunded, so we can basically say that I will be earning 60% of what I was earning before my accident.

Way to go insurance companies!!

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DJ Administrator STAFF Posts: 8,162 Post Likes Received: 2,829 Date Joined: July 2013 Injury: C6 - ASIA B Date Injured: June 2011 Member is: Offline Send PM	Need to vent Feb 4, 2014 6:01:04 GMT -8 Quote Select Post Deselect Post Link to Post Back to Top Post by DJ on Feb 4, 2014 6:01:04 GMT -8 Wow that's too bad, sorry to hear that sherry! Why are they cutting down the hours exactly?

Lαrα Global Moderator STAFF Posts: 7,350 Post Likes Received: 3,100 Date Joined: August 2013 Injury: CES Date Injured: March 2011 Member is: Offline Send PM	Need to vent Feb 4, 2014 6:02:12 GMT -8 Quote Select Post Deselect Post Link to Post Back to Top Post by Lαrα on Feb 4, 2014 6:02:12 GMT -8 Oh im so sorry to hear this sherry, its very unfair .....does the government in Canada offer incentives for returning to work by supplementing the income with benefits in this situation?

sherry
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Need to vent Feb 4, 2014 6:27:19 GMT -8 via Inspired Mobile

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Post by sherry on Feb 4, 2014 6:27:19 GMT -8

Well I am in a process of reintegrating the workforce that is being done in collaboration with my rehab centre (they have been excellent), I worked up to four days per week before Christmas at my insistence.
When I stopped before Christmas to use up some of the days in my bank, I was completely pooped, had been trailing this pressure sore (stage 1)on my foot, this other one on coccyx and a bruised 'bum bone' (am still waiting for my new cushion to arrive), plus loosing the fight against a UTI.
I reflected on all this to convince myself that it was all too much to juggle at once.
Without closing the door completely on increasing my hours later on down the road, I have agreed that three days for now is more intelligent.

My boss told us yesterday though that he is willing to 'reasonably accommodate' me for maximum three days per week but no more than that. Reason: tight budget. :-(

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sherry
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Date Joined: January 2014
Injury: L1 burst fracture, t8-t9 ASIA A complete
Date Injured: July 5 2012

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Need to vent Feb 4, 2014 6:34:57 GMT -8 via Inspired Mobile

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Post by sherry on Feb 4, 2014 6:34:57 GMT -8

Feb 4, 2014 6:02:12 GMT -8 Lαrα said:

Oh im so sorry to hear this sherry, its very unfair

.....does the government in Canada offer incentives for returning to work by supplementing the income with benefits in this situation?

You know what Lara, I will ask around. I am not sure about that. I know both governments have disability amounts on our income taxes. Thanks for the idea. :-)

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Lαrα Global Moderator STAFF Posts: 7,350 Post Likes Received: 3,100 Date Joined: August 2013 Injury: CES Date Injured: March 2011 Member is: Offline Send PM	Need to vent Feb 4, 2014 6:39:50 GMT -8 Quote Select Post Deselect Post Link to Post Back to Top Post by Lαrα on Feb 4, 2014 6:39:50 GMT -8 What does he mean by 'reasonably'..do you have a Disabilities Rights Commission you can contact for advice sherry Are any of the links on this post any use to you? Canada Disability Rights Links

kilg0retr0ut
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Need to vent Feb 4, 2014 6:56:33 GMT -8

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Post by kilg0retr0ut on Feb 4, 2014 6:56:33 GMT -8

Feb 4, 2014 5:24:45 GMT -8 sherry said:

Had meeting with employer yesterday with rehab OT and 'union rep'. I am bummed out at my insurance company (at work)!!
It is looking as if I will only be able to do three days per week from now on instead of five. So I found out yesterday that my insurance company will only pay 95% of the difference in hourly pay if they put me in a lower paying job (which they will)!! So the two days per week cut will be completely unfunded, so we can basically say that I will be earning 60% of what I was earning before my accident.

Way to go insurance companies!!

I get 60% in the states as well.

L4/5 CES

sherry
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Need to vent Feb 4, 2014 7:05:42 GMT -8 via Inspired Mobile

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Post by sherry on Feb 4, 2014 7:05:42 GMT -8

Feb 4, 2014 6:39:50 GMT -8 Lαrα said:

What does he mean by 'reasonably'..do you have a Disabilities Rights Commission you can contact for advice sherry

Are any of the links on this post any use to you? Canada Disability Rights Links

Well it all has to do with my Group insurance plan and their definition of disability. For the first two years of my sickleave the definition of disability is that if I am unable to completely do my workload then I am on sickleave.
After the two years that's when you go onto the long term disability and their definition is not the same. The definition of disability then becomes if I am unable to do what I was doing before, then the employer has the obligation to 'reasonably accommodate' me. If he could not have relocated me elsewhere in the establishment but it was decided by my doctor that I was not COMPLETELY disabled (which I am not), then I would have been up the proverbial stream without a paddle.

It is only when you are COMPLETELY unable to work that they pay. They don't care if you are partially able to work but your employer doesn't have work for you; they won't pay.
Bottom line: they will only pay if you are critically ill (example: cancer, or are practically on your deathbed. )

Each insurance company is different though.

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Lαrα Global Moderator STAFF Posts: 7,350 Post Likes Received: 3,100 Date Joined: August 2013 Injury: CES Date Injured: March 2011 Member is: Offline Send PM	Need to vent Feb 4, 2014 8:41:47 GMT -8 Quote Select Post Deselect Post Link to Post Back to Top Post by Lαrα on Feb 4, 2014 8:41:47 GMT -8 Oh thats pretty grim sherry....its made me realise that we have a fairly good here by comparison. Its very unfair how the insurance companies function. To be honest the government should regulate them better

sherry
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Need to vent Feb 4, 2014 8:50:47 GMT -8 via Inspired Mobile

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Post by sherry on Feb 4, 2014 8:50:47 GMT -8

Feb 4, 2014 8:41:47 GMT -8 Lαrα said:

Oh thats pretty grim sherry....its made me realise that we have a fairly good here by comparison. Its very unfair how the insurance companies function. To be honest the government should regulate them better

Well with my accident, I sort of fall through the cracks.
In Quebec if your accident is car-related, we have no-fault where the injured party can not sue but the motor vehicles department (SAAQ) pays for basically everything from meds, sports equipment, lost wages.
If you have a work-related accident, workmans compensation (CSST) pays for basically everything like the SAAQ.
Don't get me wrong, neither one of these organizations are perfect but financially it would have solved a lot of problems if I were covered by the SAAQ or CSST.

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Lαrα Global Moderator STAFF Posts: 7,350 Post Likes Received: 3,100 Date Joined: August 2013 Injury: CES Date Injured: March 2011 Member is: Offline Send PM	Need to vent Feb 4, 2014 11:13:11 GMT -8 Quote Select Post Deselect Post Link to Post Back to Top Post by Lαrα on Feb 4, 2014 11:13:11 GMT -8 Ah i understand sherry....well i hope there turns out to be a better solution for you....

DJ Administrator STAFF Posts: 8,162 Post Likes Received: 2,829 Date Joined: July 2013 Injury: C6 - ASIA B Date Injured: June 2011 Member is: Offline Send PM	Need to vent Feb 5, 2014 7:58:21 GMT -8 Quote Select Post Deselect Post Link to Post Back to Top Post by DJ on Feb 5, 2014 7:58:21 GMT -8 That's too bad eh sherry, I hope you can work something out somehow and not lose money!

sherry
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Date Injured: July 5 2012

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Need to vent Feb 5, 2014 14:29:32 GMT -8

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Post by sherry on Feb 5, 2014 14:29:32 GMT -8

Feb 5, 2014 7:58:21 GMT -8 DJ said:

That's too bad eh sherry, I hope you can work something out somehow and not lose money!

Yeah well, there is a saying that goes along the lines that when one door closes, another opens. So we will see!

Plus the less you earn, the less you pay in taxes.

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DJ
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Need to vent Feb 5, 2014 16:23:01 GMT -8

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Post by DJ on Feb 5, 2014 16:23:01 GMT -8

Feb 5, 2014 14:29:32 GMT -8 sherry said:

Feb 5, 2014 7:58:21 GMT -8 DJ said:

That's too bad eh sherry, I hope you can work something out somehow and not lose money!

Yeah well, there is a saying that goes along the lines that when one door closes, another opens. So we will see!

Plus the less you earn, the less you pay in taxes.

Good point sherry! Hopefully something good will come out of it

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Need to vent

Post by sherry on Feb 4, 2014 5:24:45 GMT -8

Post by DJ on Feb 4, 2014 6:01:04 GMT -8

Post by Lαrα on Feb 4, 2014 6:02:12 GMT -8

Post by sherry on Feb 4, 2014 6:27:19 GMT -8

Post by sherry on Feb 4, 2014 6:34:57 GMT -8

Post by Lαrα on Feb 4, 2014 6:39:50 GMT -8

Post by kilg0retr0ut on Feb 4, 2014 6:56:33 GMT -8

Post by sherry on Feb 4, 2014 7:05:42 GMT -8

Post by Lαrα on Feb 4, 2014 8:41:47 GMT -8

Post by sherry on Feb 4, 2014 8:50:47 GMT -8

Post by Lαrα on Feb 4, 2014 11:13:11 GMT -8

Post by DJ on Feb 5, 2014 7:58:21 GMT -8

Post by sherry on Feb 5, 2014 14:29:32 GMT -8

Post by DJ on Feb 5, 2014 16:23:01 GMT -8

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