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What Black said. Quite possibly the reason I never had ANY hassles with my employer from my Epic Workman's comp case (slip and fall on ice, flatlined three times, coma, shattered shoulder, traumatic brain injury, etc..) was this conversation in the ICU waiting room while I was in a coma:
My mother: "How do you do. Here's my card."
My Boss's boss: "Thank you. " (reads it. Notes that Mom is a Lawyer. ) "Oh."
My mother: "You WILL take care of this man, won't you ?"
My Boss's boss: "Yes Ma'm".
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Depends on the Company policy but when I had surgery recently, I only needed to use 5 PTO days before STD kicked in. It only covered 80% so I had to continues to use PTO for the missing hours to get my full paycheck.
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I think it's funny how it seems like nearly everyone hates lawyers until they actually need one.
Grateful11
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i think in reality, people hate scummy lawyers, scummy car salesmen, and scummy business people in general.
maybe those mentioned above have a reputation for being more scummy than other professions.
money-changers have been treated similarly since we started using coin instead of barter. who loves bankers and credit card companies? charge 20% or more to loan money, pay less than 1% on borrowed money.
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The rules do vary by state.
My wife has had a 12-year open WC case. What I learned in Florida was under the rules at that time (now they are different and much less kind to workers, starting with the worker may not have an attorney unless they pay for that attorney) is that you have to fight for everything under WC.
In Florida you get 60% of your pay AFTER missing 20% of any pay period. If you miss less than 20%, you don't get paid. However that 60% is not taxable
FMLA and PTO never came into play. The insurance company attorney will fight everything because they do get paid.
If the injury is minor - just let your regular insurance handle it. You will get access to better doctors and save a ton of headaches.
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so as i see it, scummy WC/insurance lawyers try to screw workers out of money they are rightfully entitled to by law.
almost like being guilty until proven innocent.
i feel just as strongly toward those who would file fraudulent cases to avoid working.
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Workers comp for me has turned out quite well so far. I tripped outside leaving work, injuring my knee. I went to my doctor right away, and called work that I couldn't come in. My boss said that since I was still in the parking lot and tripped over part of the building that it was considered workers comp. Turns out I should have gone to an authorized med center, but since I didn't even know it was a workers comp injury, the company said they'd work with my primary anyway.
My time off from work was covered by workers comp, I did not have to use my sick days. HR said that WC covers about 85-90% of the wages, but since figuring out the differences is too tedious, the company makes up the difference (it actually saves the company money to do it this way). So far the MRI and DR visits have been covered in full, I still have an operation to go through. Plus there are no deductibles for me to have to cover.
Maybe its company policy, maybe it's Michigan law, but workers comp for me has worked out great up to this point. My boss and another co-worker have said that workers comp worked out for them as well, better than using regular insurance.
The biggest downside is that it takes a lot longer to get things done. I didn't get a claim number for two weeks after the accident, only then did the orthopedic specialist let me make an appointment. Two months after the injury, I will finally get the injury repaired.
