Disability Pay Sucks
- Thread starter yonnko
- Start date
Catatonic
Nine Lives
Sorry to hear you are hurt ... hope you get better soon.
Most financial support systems are set up to provide only a portion of the income they are to replace. It is always good to have 2-6 months income in savings to help get over the hump. I carried long-term disability up until 4 years ago (you don't need it once you get to retirement age).
I know this doesn't help you but maybe others will read and heed if they have not thought about it.
A full time driver gets $90 a day in Georgia, which is one of the worst states for disability claims. If they paid employees their full pay, there wouldn't be any incentive for some people to return to work. Its always a good idea to have some extra money on the side for emergencies like this. This is especially hard to do if you are young and have a family to support. Believe me, I have been there more than once.
UnconTROLLed
perfection
You are 100% right Hoax. disability is there to assist, not to entirely support. I have been on disability for 4 months of the past 6 and still am out (hence the free time to post here). The money is helpful in assisting in the mortgage and utils among other necesseties.
I do take advice from Suze Orman. I have no financial worries. It is a matter of principal for me. One pays alot in to the system over years and takes a big hit when an accident happens. As far as an incentive to get back to work. Turn on the Television. The junk on TV will drive anybody back to work. Except for the low lifes that continue to drain the system and bleed the hard working people dry.
UpstateNYUPSer(Ret)
Well-Known Member
Supplemental health insurance (Aflac/Combined) is designed for such a situation. The income from this and from disability would put you close to full pay.
barnyard
KTM rider
Here in the midwest, Aflac will not write a disability policy for a UPSer. I decided to quit racing after looking around and being unable to buy disability insurance.
Catatonic
Nine Lives
Any idea why Barn?
hellfire
no one considers UPS people."real" Teamsters.-BUG
very,, very,, maybe nobody?? now will cover a full time ups driver,,, gets you thinking about how unhealthy this repetitive job really is
Anonymous 10
Guest
That's how it is here too. It's been done over and over and equals about seven hundred and change.
UnconTROLLed
perfection
Can you get back paid for unemployment?
UPS has offered zero light duty in 4 months I"ve been out.
barnyard
KTM rider
The Aflac guy told me that UPS guys typically have shoulders, knees and carpal tunnel. All repairs that require lots of time off work for healing.
Anonymous 10
Guest
Can you get back paid for unemployment?
No but you can go to your doctor and ask what your restrictions are and if he or she will clear you to do some kind of light duty. If your doctor clears this you take it to your manager and ask for light duty. He or she will say no and laugh maybe. You say ok and file your unemployment and explain that you are cleared to work light duty and ups dosent have work for you so in unemployments eyes you a laid off for lack of work.
They also don't care about your union disability payments it has nothing to do with unemployment just declare it on the website and be totally honest when you talk to them. This is a benefit that you are entitled to. If you had a desk job you would still be working in most cases your only fault is that you have a job that isn't at a desk and requires lifting.
Cobra Agent
Mandalorian
So in theory this sounds like an answered prayer. But could you really get unemployment ifyou are released to light duty and ups refuses to work you? I've been out after having a heart attack and doctor and i feel i should be able to return to light duty soon.
Then what just show up to work in my browns, get laughed at then drive to unemployment office? Am i way off on this?
UpstateNYUPSer(Ret)
Well-Known Member
I would talk to my supervisor, update him on my status, advise him that I am cleared for and willing to perform light duty, if available. If not, I would then do as steward suggested.
I admit that I did not know that this option was available.
I admit that I did not know that this option was available.
EAT MY OVERALLOWED
Veteran
Is that true that FT drivers cannot get a LT disability insurance policy? I always thought of one when I was younger but never followed through with it. I advise a lot of the new guys to get one -- especially with the way we are worked now. Has anyone managed to get one out of a carrier or is everyone rejected? I didn't think they rejected anyone, your premium would just be high.
UpstateNYUPSer(Ret)
Well-Known Member
LT disability benefits are provided through AETNA with a maximum monthly benefit of $2,600 for up to 60 months. ST disability benefits may be available through your union. These payments are reduced if you receive unemployment or other compensation. Supplemental health insurance benefits are in addition to any disability benefits.
