| » Who's Chatting! | | Members In Chat: 0 | | No one is currently using the chat | | Join the Chat! |
Character cannot be developed in ease and quiet. Only through experience of trial and suffering can the soul be strengthened, ambition inspired and success achieved|Helen Keller
| Anyone have short term disability?This is a discussion on Anyone have short term disability? within the UPS Discussions forums, part of the Brown Cafe UPS Forum category; Does anyone buy short term disability? Not talking about getting hurt on the job, but off the job is a ...  | |
09-24-2006, 08:57 AM
|
#1 | | Senior Member
Join Date: Jun 2006 Location: Colorado
Posts: 113
Rep Power: 381 | Anyone have short term disability? Does anyone buy short term disability? Not talking about getting hurt on the job, but off the job is a bigger concern. We can get long term disability that kicks in after 26 weeks, but there isn't really anything for that first 26 weeks. I think comp pays around $450 a week if you're hurt away from the job, but it would be hard to keep head above water on that. Just curious if any of you have a policy, how much it costs, and have they paid? |
| |
09-24-2006, 09:25 AM
|
#2 | | Senior Member
Join Date: Oct 2003
Posts: 841
Rep Power: 1460 | Re: Anyone have short term disability? Quote:
Originally Posted by brown67 Does anyone buy short term disability? Not talking about getting hurt on the job, but off the job is a bigger concern. We can get long term disability that kicks in after 26 weeks, but there isn't really anything for that first 26 weeks. I think comp pays around $450 a week if you're hurt away from the job, but it would be hard to keep head above water on that. Just curious if any of you have a policy, how much it costs, and have they paid? | Comp pays you NOTHING if you are hurt away from the job.
__________________ Isa 41:10 Fear not for I am with you, be not dismayed for I am your God. I will strengthen you , yea I will help you, I will lift you up with my righteous right hand. |
| |
09-24-2006, 09:29 AM
|
#3 | | Senior Member
Join Date: Apr 2003
Posts: 727
Rep Power: 421 | Re: Anyone have short term disability? Drivers have std only pays about 300 to 350 a week I am told. Ill let you know soon I am on it.
__________________ "I love my job, I just hate what they do to it" |
| |
09-24-2006, 09:32 AM
|
#4 | | Industrial Slob
Join Date: Sep 2006
Posts: 1,106
Rep Power: 350 | Re: Anyone have short term disability? Quote:
Originally Posted by brown67 Does anyone buy short term disability? Not talking about getting hurt on the job, but off the job is a bigger concern. We can get long term disability that kicks in after 26 weeks, but there isn't really anything for that first 26 weeks. I think comp pays around $450 a week if you're hurt away from the job, but it would be hard to keep head above water on that. Just curious if any of you have a policy, how much it costs, and have they paid? | And UPS hasn't tried to find suitable alternate work despite the short term injury? |
| |
09-24-2006, 09:35 AM
|
#5 | | adirondack man
Join Date: Aug 2006 Location: west part of adirondacks
Posts: 150
Rep Power: 96 | Re: Anyone have short term disability? I was just out on short term disability UPS paid me didn't cost me a dollar. |
| |
09-24-2006, 12:08 PM
|
#6 | | Moderator
Join Date: Apr 2003 Location: Ohio
Posts: 3,541
Rep Power: 16025 | Re: Anyone have short term disability? I was on short time disability about 6 yrs ago for a dog attack while off work. I got a check before I applied, I have not figured out how, other than at that time I had a good mgmt person. They paid me for the amount of time the doc said I would be off. Wasnt much, but it bought dinner. And kept me afloat. |
| |
09-24-2006, 01:41 PM
|
#7 | | Senior Member
Join Date: May 2006
Posts: 1,322
Rep Power: 7234 | Re: Anyone have short term disability? In California, disability pays about $720 a week (depending of course on pay rate for the past 15 months (5 quarters) with the last quarter not counting) and workers comp pays about $820 I believe. Are you talking about the short term insurance you can buy? |
| |
09-24-2006, 02:22 PM
|
#8 | | Member
Join Date: Apr 2006
Posts: 58
Rep Power: 17 | Re: Anyone have short term disability? I had surgery, and after a 7 day wait, I get a weekly check as long as dr says so. did not cost me anything other than a phone call |
| |
09-25-2006, 07:35 PM
|
#9 | | Senior Member
Join Date: Apr 2002
Posts: 189
Rep Power: 45 | Re: Anyone have short term disability? Quote:
Originally Posted by hoser And UPS hasn't tried to find suitable alternate work despite the short term injury? | If you are injured off the job there is NO TAW. You must be back 100% to return to work. TAW is for on the job injuries. |
| |
09-27-2006, 03:40 PM
|
#10 | | Industrial Slob
Join Date: Sep 2006
Posts: 1,106
Rep Power: 350 | Re: Anyone have short term disability? Quote:
Originally Posted by spidey If you are injured off the job there is NO TAW. You must be back 100% to return to work. TAW is for on the job injuries. | Interesting. So if I'm stacking boxes and due to someone else's negligence like poor stacking, a 50 lb box lands on my shoulder and breaks it, UPS has the option to give me alternate work that's safe (like clerking, scanning, phone calling).
But if I am riding my bike and due to my own negligence I break my shoulder, I get free money?
Hmmm, needs a bit of clarification.. |
| |
09-27-2006, 04:11 PM
|
#11 | | Senior Member
Join Date: Apr 2002
Posts: 189
Rep Power: 45 | Re: Anyone have short term disability? Quote:
Originally Posted by hoser Interesting. So if I'm stacking boxes and due to someone else's negligence like poor stacking, a 50 lb box lands on my shoulder and breaks it, UPS has the option to give me alternate work that's safe (like clerking, scanning, phone calling).
But if I am riding my bike and due to my own negligence I break my shoulder, I get free money?
Hmmm, needs a bit of clarification.. | If you are injured on the job UPS will find you alternate work. It will not be counted against your long term or short term disability. You are paid as a working employee, therefore using up none of your disability benifits, which you will be counting the days of very carefully should you happen to be terribly hurt of have a major medical emergency. They have an obligation to provide TAW because you were hurt on the job. They do not have an obligation to pay you $25 an hour to sit in the office and get in the OMS's way because you fell off your bike or threw out your back midget bowling on a Saturday night.
Why UPS won't pay you to answer phones if you've been injured riding your bike: Let's say you show up in a cast and they sit you down to answer phones. As you reach for a pencil or a sticky note you feel a pop in your shoulder. You now have a work place injury. UPS will pay possibly hundreds of thousands of dollars out because you fell off your bike. If you are not 100% medically released before your return to work UPS can be held responsible if you reinjure yourself. They have no obligation to open themselves up to that sort of liability, so they don't. I can't blame them.
I always hesitate to post here because people flare up about every stupid thing, so I'll add this disclaimer: Not all TAW drivers or sorters get in the OMS's way, and, while I have heard of local establishments that at one time or another promoted midget bowling I have never participated myself nor do I condone it in any way, unless both little person and bowler are consenting adults of sound mind. |
| |
09-27-2006, 05:54 PM
|
#12 | | Industrial Slob
Join Date: Sep 2006
Posts: 1,106
Rep Power: 350 | Re: Anyone have short term disability? Quote:
Originally Posted by spidey If you are injured on the job UPS will find you alternate work. It will not be counted against your long term or short term disability. You are paid as a working employee, therefore using up none of your disability benifits, which you will be counting the days of very carefully should you happen to be terribly hurt of have a major medical emergency. They have an obligation to provide TAW because you were hurt on the job. They do not have an obligation to pay you $25 an hour to sit in the office and get in the OMS's way because you fell off your bike or threw out your back midget bowling on a Saturday night.
Why UPS won't pay you to answer phones if you've been injured riding your bike: Let's say you show up in a cast and they sit you down to answer phones. As you reach for a pencil or a sticky note you feel a pop in your shoulder. You now have a work place injury. UPS will pay possibly hundreds of thousands of dollars out because you fell off your bike. If you are not 100% medically released before your return to work UPS can be held responsible if you reinjure yourself. They have no obligation to open themselves up to that sort of liability, so they don't. I can't blame them.
I always hesitate to post here because people flare up about every stupid thing, so I'll add this disclaimer: Not all TAW drivers or sorters get in the OMS's way, and, while I have heard of local establishments that at one time or another promoted midget bowling I have never participated myself nor do I condone it in any way, unless both little person and bowler are consenting adults of sound mind. | Yeah that makes sense. Thanks |
| |
11-14-2007, 08:04 PM
|
#13 | | Junior Member
Join Date: Sep 2007
Posts: 8
Rep Power: 0 | Re: Anyone have short term disability? Im off on STD in California. The state pays more than Aetna STD insurance would pay so I get nothing from UPS/Union/Aetna. I get close to $900 a week from state.
I think the max that Aetna would have paid was 5 or 6 hundred a week. I guess thats if I didn't qualify for Sate Disability.
Hope that helps. |
| |
11-24-2007, 02:47 PM
|
#14 | | Anonymous | For The Record . . . Maybe we should all peek at what the contract actually says?
ARTICLE 14. [Worker's] COMPENSATION CLAIMS
Section 2. Temporary Alternate Work
The Company may continue a modified work program on a nondiscriminatory basis. This program is designed to provide temporary work opportunity to those employees who are unable to perform their normal work assignments due to an on-the-job injury. Employees shall be provided their guaranteed hours for the duration of TAW, provided the work is available. These guaranteed hours will be reduced as medical restrictions dictate.
The Employer will develop a list of possible TAW assignments by location. It is understood that this list may not be all-inclusive and management maintains the right to determine the availability and designation of all TAW assignment.
Any such program that has been, or is in effect, as of the effective date of this Agreement, shall be reduced to writing, a copy of which must be submitted to the National Safety and Health Committee and the affected Local Union. If either party wants to include non-work related injuries or illnesses under the TAW program the parties will meet and agree upon such amendment. The Employer shall also meet with the Local Union upon request to discuss any changes the Local Union may propose in the TAW program. Any unresolved issues will be referred to the National Safety and Health Grievance Committee for resolution.
Current Master Contract: http://www.browncafe.com/ups_nationa...agreement.html
New Master Contract and Supplements changes: http://www.teamster.org/divisions/pa...upplements.htm
Worker's Compensation (on-the-job) is covered in Article 14.
For off-the-job:
Long Term Disability for full-timers is covered in Article 34, Section 1(j).
Short Term Disability is probably covered in your Supplement and especially your particular H&W plan booklet. | |
| |
11-24-2007, 03:45 PM
|
#15 | | Senior Member
Join Date: Jun 2006 Location: The Great Northeast
Posts: 895
Rep Power: 8288 | Re: Anyone have short term disability? Quote:
Employees shall be provided their guaranteed hours for the duration of TAW, provided the work is available. These guaranteed hours will be reduced as medical restrictions dictate.
The Employer will develop a list of possible TAW assignments by location. It is understood that this list may not be all-inclusive and management maintains the right to determine the availability and designation of all TAW assignment. | In reality TAW is not guaranteed
__________________ Make it idiot proof an they'll invent a better idiot! Better to be silent and be thought a fool than to open your mouth and remove all doubt. |
| |
11-24-2007, 04:21 PM
|
#16 | | I like a good game of UNO
Join Date: Dec 2006 Location: 1 mile past BFE
Posts: 969
Rep Power: 2477 | Re: Anyone have short term disability? Here we get $300 a week from the Union administered short term disability insurance.
I also have my own personal disability insurance through State Farm that pays around 2,700 a month for up to 5 years.
__________________ There's a clear cause and effect here that is as neat and predictable as a law of physics: As government expands, liberty contracts. |
| |
11-24-2007, 04:52 PM
|
#17 | | Senior Member
Join Date: Mar 2005
Posts: 1,670
Rep Power: 4186 | Re: Anyone have short term disability? Quote:
Originally Posted by Big Babooba In reality TAW is not guaranteed | You're right. The language says, "The company MAY continue....". What this means is if the company likes you then work will be created for you. I have seen drivers who didn't use an attorney get TAW while drivers who did use an attorney did not get TAW. Coincidence? I think not.
It makes one wonder what the attorneys on the union side of the negotiating table were doing when this topic came up. |
| |
11-24-2007, 04:57 PM
|
#18 | | 22 year driver
Join Date: Mar 2007 Location: Midwest
Posts: 723
Rep Power: 5627 | Re: Anyone have short term disability? Quote:
Originally Posted by govols019 Here we get $300 a week from the Union administered short term disability insurance.
I also have my own personal disability insurance through State Farm that pays around 2,700 a month for up to 5 years. |
What's the premiums for that policy?
__________________ Damn, I'm tired!! |
| |
11-24-2007, 05:39 PM
|
#19 | | I like a good game of UNO
Join Date: Dec 2006 Location: 1 mile past BFE
Posts: 969
Rep Power: 2477 | Re: Anyone have short term disability? It's around $87 a month. We are in the highest risk category because of our job.
__________________ There's a clear cause and effect here that is as neat and predictable as a law of physics: As government expands, liberty contracts. |
| |
11-24-2007, 06:25 PM
|
#20 | | 22 year driver
Join Date: Mar 2007 Location: Midwest
Posts: 723
Rep Power: 5627 | Re: Anyone have short term disability? Quote:
Originally Posted by govols019 It's around $87 a month. We are in the highest risk category because of our job. | I checked into it several years ago and to get $4000 a month coverage was close to $300 a month premium.
__________________ Damn, I'm tired!! |
| |
11-25-2007, 07:05 AM
|
#21 | | siouxman
Join Date: Mar 2006 Location: midwest
Posts: 31
Rep Power: 133 | Re: Anyone have short term disability? Quote:
Originally Posted by govols019 Here we get $300 a week from the Union administered short term disability insurance.
I also have my own personal disability insurance through State Farm that pays around 2,700 a month for up to 5 years. |
Are you sure it will pay for 5 yrs the ones I have looked at will pay only up to 2 yrs |
| |
11-25-2007, 07:09 AM
|
#22 | | siouxman
Join Date: Mar 2006 Location: midwest
Posts: 31
Rep Power: 133 | Re: Anyone have short term disability? Quote:
Originally Posted by upsgrunt I checked into it several years ago and to get $4000 a month coverage was close to $300 a month premium. | I have coverage now it costs me 120 bucks a month pays up to 2 yrs.When I took the policy out they looked at my union amd company coverage. If you use tabbacco its more |
| | |