Welp today is the day.

Re: Welp today is the day.

• tbmadeamistake member

  January 2014

  Good luck!

  Married DH 7/30/11
  

  CSC arrived 5/7/12 
  

  CHC arrived 6/2/14
  

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• Mztwilson member

  January 2014

  I feel your pain. We were living very comfortably until I had to go on short term disability. Now we barely nake it paycheck to paycheck.

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• lellymine member

  January 2014

  Good thoughts!!

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• rachelyoung1984 member

  January 2014

  So nervewracking! Good luck! I'm a SAHM also and we are living on just my husband's income so I can completely relate. Prayers being sent your way!

  Rachel

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• colllydon member

  January 2014

  Good luck!

  

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• JNerd member

  January 2014

  Fingers crossed that everything goes well and he heals soon!

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• Unknown

  January 2014

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• ahastin1 member

  January 2014

  Good luck today! I hope he heals well and quickly!

  
  

  
  

  
  

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• Katieluc106 member

  January 2014

  Torn acl, meniscus, tibial bone fracture. In other words he did a great job of messing it up and needs surgery.

  

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• almendarez member

  January 2014

  Ouch! Sorry to hear that. Does his company have any desk jobs he can do until he heals?

  
  

  
  

  
  

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• lclark79 member

  January 2014

  Ugh, that sucks. I hope he's not in too much pain. Does he have to be out full time or can he have a modified job/work schedule?

  

  

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• JNerd member

  January 2014

  Katieluc106 said:

  Torn acl, meniscus, tibial bone fracture. In other words he did a great job of messing it up and needs surgery.

  Owie! That sounds really, really painful. Will it take long to get him into surgery?
  

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• Katieluc106 member

  January 2014

  Well it's already been 3 weeks and he's been cutting wood, shoveling the drive way. He's one of those tough guys. We called the orthopedic specialist as soon as we left and have to h

  

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• Katieluc106 member

  January 2014

  Ooooos have to go through all these hoops because it's a workmans comp thing. So far we are just wondering when we are even gunna see the specialist.

  

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• lclark79 member

  January 2014

  I hope he gets in soon so y'all aren't without a full paycheck for too long and that he can get the recovery he needs.

  

  

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• colllydon member

  January 2014

  Sorry to hear that!

  

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• snowpants member

  January 2014

  Ugh, that stinks.  I'm really sorry that he's hurt and for the hassle.

  Not sure where you live (and you certainly don't need to say) and I know work comp laws vary state-to-state but the work comp benefits should be tax free.  So while 60% of his pay is obviously a cut, for a lot of people they lose out on 30% or more to taxes anyway and the WC benefits *might* not be a huge drop for you.  I sincerely hope that's the case.

  Also, there are often time limits for when they need to pay or deny a claim.  In my state it's 14 calendar days from the date the employer was notified of the injury.  If they take longer to pay the insurer would get penalties (in my state) including a certain percentage of the late payment payable to your husband.  Not that it helps in the meantime, especially on a tight budget, but hopefully it will help when he does get paid (assuming the claim is accepted).

  I work in the WC industry, though not on the insurance company side of things.

   

   

  

   

  
  

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• Katieluc106 member

  January 2014

  snowpants said:

  Ugh, that stinks.  I'm really sorry that he's hurt and for the hassle.

  Not sure where you live (and you certainly don't need to say) and I know work comp laws vary state-to-state but the work comp benefits should be tax free.  So while 60% of his pay is obviously a cut, for a lot of people they lose out on 30% or more to taxes anyway and the WC benefits *might* not be a huge drop for you.  I sincerely hope that's the case.

  Also, there are often time limits for when they need to pay or deny a claim.  In my state it's 14 calendar days from the date the employer was notified of the injury.  If they take longer to pay the insurer would get penalties (in my state) including a certain percentage of the late payment payable to your husband.  Not that it helps in the meantime, especially on a tight budget, but hopefully it will help when he does get paid (assuming the claim is accepted).

  I work in the WC industry, though not on the insurance company side of things.

  Thanks! We live in mass I'm assuming everything will already be paid for as our claim was already approved. It took them a week and a half with 1 week being holiday week so I'm pretty satisfied. Just don't know when we will start receiving a check. Claim was officially approved last Friday so I'll assume a retroactive check next week.
  It's just a stressful place to be but so far we haven't had any bumps in the road (knock on wood).
  
  

  

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