December 11, 2014

Workmen's Compensation: The Hurt Still Losing Out!

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Ramblings Thoughts, Getting Hurt at work, Workmen's Comp, Financial Struggle, Bills, Struggle

This topic is something that I am struggling with right now.  I just slipped at work and severely sprang my ankle and the doctor put me on restrictions (have to be sitting down 75% of my work day) and there isn't any light-duty where I work.  So, unfortunately, that means that I am stuck sitting at home.

I am fortunate that all my medical bills are paid for thanks to the fact that I got hurt at work.  However, I did some research and found that workman's comp only pays for about 2/3 of your average pay!  I support 5 adults and myself, there is no way that I can afford to only get 2/3 of my paycheck and still be able to pay all the bills.  It stresses me out just thinking about it.

With this on my mind, I cannot truly focus solely on taking the time to get better.  I went to my physical therapy yesterday and got discouraged when my therapist told me that I will more than likely not be going back to work after Monday (when I go for a follow up with my doctor).  And there is nothing I can do about what restrictions that my doctor puts on my for my recovery, however, I wish my work would just allow me to work partial days and maybe have a stool that I could sit on to rest whenever I start to hurt.

At the end of the day, I am just upset (and possibly confused) about only being paid for 2/3 of my average pay.  After all, I would much rather go back to work, even if I have to make arrangements so that I can get all the money that I normally get paid.  I believe that it is only fair where my job is not allowing me to come back to work because of my restrictions that I should get 100% off my average paycheck.  What happened to the idea of getting workman's comp to pay for all your medical bills and provide you with your paycheck so that you can focus on recovery.  I have to worry about being able to pay my regular bills now.  In having this worry, I just want to find a way to cover up my injury so that my restrictions will be lifted and so I can return to work.

What are y'all's thoughts?  Am I understanding workman's comp correctly?  Have you ever needed to go on workman's com and what was your experience?


-Rambling Holly

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