What do you do when you are sick?

Submitted by GrouchyPerspective83 t3_ydulig in massachusetts

Hi. I was just wondering if you use all your paid sick leave days of 40h but you have a condition that needs you to rest and so not work for more days to weeks, what do you do? Do you have insurance that covers it like work insurance/health insurance? Thanks for sharing.

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wolf95oct0ber t1_ituaxzb wrote

Check short term disability (probably through your job) and PFML (state program)

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[deleted] t1_ituhtbw wrote

For long term or chronic conditions, start off by making sure you complete FMLA paperwork for your employer. Assuming they have enough employees, FMLA will allow you to go on paid or unpaid leave without being penalized.

There are disability insurances, as others have mentioned, but I am uncertain if that's an option for a pre-existing condition.

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Oiggamed t1_itua581 wrote

I have short term disability insurance. Was out a month last year with RSV. Helped a lot.

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walterbernardjr t1_itu9nla wrote

What exactly is the question here?

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GrouchyPerspective83 OP t1_itu9yv3 wrote

For longer temporary disabilities like after an orthopedic surgery and also the case for chronic illnesses like multiple sclerosis...how can you protect yourself?

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NoMoLerking t1_ituaeau wrote

Everywhere I’ve worked provides term disability insurance. Unlimited PTO has gotten pretty common as well.

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wombat5003 t1_itvcfkq wrote

The first 2 weeks come off your normal pro then short term kicks in at 3/4 pay… after that’s exhausted then king term at around half pay.. I know from experience

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joeltb t1_itvm47j wrote

Ask your employer about FMLA. Depending on your health issue, you may be covered under ADA and your company can make accomodations. Check out AskJan for examples of accomodations that companies can make. You'd be surprised!

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Past-Adhesiveness150 t1_itw1p8k wrote

I own my buisness.... there are no sick days. But if I do manage to get time off, & I happen to feel really shitty, I will most likely sleep.

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DearSergio t1_itu7jcx wrote

This is America. You have 2 choices, work and then die or just die.

No insurance, no help, nothing.

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GrouchyPerspective83 OP t1_itu7xf9 wrote

ohh that is sad :(

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TuskenTaliban t1_ituhlr4 wrote

Massachusetts provides up to 20 weeks of paid medical leave as long as you have a serious health condition, which is defined as "a physical or mental condition that prevents you from doing your job for more than 3 consecutive days." It requires at least one of the following:

  • Overnight stay in a medical facility
  • 2 or more treatments by a health care provider within 30 days of whatever prevented you from doing your job
  • At least 1 treatment by a health care provider within 30 days of whatever prevented you from doing your job, with plans for continued treatment, including prescriptions

All of this is not taking into account additional benefits that may be provided like short/long term disability.

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