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binneysaurass t1_j9yppyn wrote

So I suffered a hernia at work. Missed a month and a half due to recovery from the surgery. Because I reported it as a work related injury, the insurer my job uses would not pay me for that missing time. I was told to file for worker's comp, which denied me. Appealed, denied. Apparently there are some rather strict requirements for hernias to receive worker's comp in my state of residence.

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roberto1 t1_j9ytr3y wrote

Doesn't matter what your injury they will fight you to death to not pay the small amount you deserve.

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888mainfestnow t1_j9yzmtm wrote

If your job offers short term disability insurance see how much it costs to add it used to be fairly cheap compared to the 65% they pay out if something happens and you can't work.

Maybe HR already advised you of this but even more sorry if they haven't offered you this option when it was available.

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binneysaurass t1_j9z0jr9 wrote

The insurer who says they don't cover work related injuries, is their short term disability coverage.

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888mainfestnow t1_j9z4o33 wrote

Sorry to hear that

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binneysaurass t1_j9z5jj4 wrote

I got through it. With the cost of having to live, the surgery, plus some personal problems with my divorce and having to move, it drained my savings considerably, let me tell you.

Of course, I was fortunate to have the savings to pay for it, I can't imagine how other people, not so fortunate, could have managed.

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888mainfestnow t1_j9z9s86 wrote

Oh man yup go to any city and when you see the homeless population this is one way people end up there.

It's not always alcohol or drugs it's often misfortune from a medical/financial issue and our broken system.

Glad you got through it hopefully you can find a new opportunity eventually with less stress on the body and better pay and benefits.

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themagicbong t1_j9zj1ee wrote

Even WITH drugs, if you ever talk to those kinds of people often you hear how many of them became addicts by taking their medication as prescribed. Like, as directed. Still ended up with a lovely lil opiate addiction as a result of something like even a workplace injury. Happened to me, I built my back very incorrectly from working wrong and got into painkillers. I've also seen that happen with guys I've worked with. Some people can maintain a functional life while spiraling down and it's not always that quick of a fall. Which can be like watching a trainwreck that began crashing a long ass time ago.

Then, while programs exist to get help at subsidized rates or even free of cost, they often don't seem to have great success rates for many reasons, chief among them being that the rules generally don't line up with medical science. They line up with whatever makes whoever is giving the money happy. Leads to situations where one day you go in to get your meds like you always do, but this time they say there's an issue. You see, you missed the group meeting, where everyone sits around swapping war stories about their times on drugs. Your doctor agrees that it's detrimental to your future sobriety, but you signed a contract stating you wouldn't miss group meetings. So even though you thought you'd be getting 30 days of medicine today, actually, you're getting nothing. Come back in a month to readmit into the program. If your doctor tries to intervene on your behalf, they might lose their medical license, and the clinic could have it's funding pulled.

Edit: just wanna say, that last situation I mentioned is how people die. I knew a woman who was in the same program I was in, and that exact scenario I described happened to both of us on the same day, and neither of us had ever so much as failed a piss test. I was luckily able to find another doctor and another program, but the woman wasn't as lucky, and she had overdosed by the end of the week.

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st_expedite_is_epic t1_j9z1bi9 wrote

Did workers comp tell you why they denied you??

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binneysaurass t1_j9z25os wrote

On the phone and via mail, twice. After the first denial, I appealed, they denied me again.

Apparently there are 13 requirements you must meet in order to have a hernia covered by worker's comp in this state. Two of which I did not meet. I did not have immediate pain related to the hernia, I actually worked, never missing a day, for 9 months, due to a lot factors.. The other requirement was missing work, which I did not do, due to the hernia, only because of the surgery and recovery. Which apparently doesn't count.

I failed to meet their requirements.

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Glum_Ruin_1368 t1_j9za66w wrote

Get a good Worker's comp attorney. From past experience they all pay attention when they know they can"t push you around anymore.

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Nickdangerthirdi t1_ja0nqr0 wrote

This is sound advice anytime you are dealing with the legal system always find someone to represent you, they will know things you don't

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Rndysasqatch t1_j9zg0on wrote

Yeah my father got screwed this way also. Spent the entire rest of his life fighting (there was a complication). I'll always remember how he had to fight tooth and nail. Anyway I feel you.

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