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Old 01-22-2011, 01:11 PM
 
421 posts, read 819,114 times
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If so, I have a question. If someone is seriously injured ( broken bones, head injury) while working at his part time job but also holds a full time job, is workmans comp supposed to pay both salaries? If not, how is the family to survive financially while the worker is temporarily out of work? After surgery, he will need rehab. The ortho says it's going to be a long painful recovery. Of course, WC says they don't have to but something tells me they're not being truthful. We don't want to go the lawsuit route either. All we want is to be able to pay our bills while he recovers and can go back to working both jobs again.
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Old 01-22-2011, 01:23 PM
 
Location: Everywhere and Nowhere
14,131 posts, read 27,023,055 times
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I always thought that was handled through private disability insurance here in Virginia which you normally purchase through your employer but I found some info. on what VA provides here:

http://www.workerscompensation.com/virginia.php

You should probably consult an attorney though to help you.
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Old 01-22-2011, 03:11 PM
 
421 posts, read 819,114 times
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Thanks so much for your reply. He does have short term disability through his full time employer but because it's a WC case, we were told that they (the ins co through his full time job) may deny the claim. Meanwhile, the bills are piling up and understandably landlords and utility companies won't wait.
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Old 01-22-2011, 04:52 PM
 
Location: Everywhere and Nowhere
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Good luck. One thing you may want to do also right away is contact all your creditors and let them know of your situation and see if they'll give you a forebearance on your upcoming bills. My experience is they will work with you if you're proactive and contact them before the situation gets out of hand. For example, many mortgage lenders will let you skip a couple of payments in emergency situations such as this and then will add them onto the back end of your loan.
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Old 07-01-2011, 01:19 AM
 
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I know this is several months later and you may not need the answer to this specific question anymore, but if you do, just respond back and let me know how things went and if your spouse is still out of work.

I have this specific answer, as I was in the exact situation, but reversed. I was injured at the full time job, but also had a part time job that I could not go back to work after my back surgery. I also live in VA and I did have a lawyer who explained when they need to pay for the second job and when they don't.

I hope all is well and back to normal for your family.
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Old 07-01-2011, 03:46 AM
 
Location: Manassas, VA
1,559 posts, read 3,171,817 times
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Quote:
Originally Posted by Dazed&Confused View Post
If so, I have a question. If someone is seriously injured ( broken bones, head injury) while working at his part time job but also holds a full time job, is workmans comp supposed to pay both salaries? If not, how is the family to survive financially while the worker is temporarily out of work? After surgery, he will need rehab. The ortho says it's going to be a long painful recovery. Of course, WC says they don't have to but something tells me they're not being truthful. We don't want to go the lawsuit route either. All we want is to be able to pay our bills while he recovers and can go back to working both jobs again.
I know this is old as well but unfortunately - the company or insurance really doesn't care about how the family will survive. If you have another insurance like Aflac, etc. than file and use it. The company or business that the injury happened on is not generally responsible if a person has another job. Not to sound cold but this is why they say to have a minimum of 6 months expenses in the bank if at all possible as well as other insurance to cover situations like this....granted, how many people do but it really isn't up to a company to provide income when we ourselves did not prepare.

My husband had a heart attack in Feb. and quad bypass in March. Ummm....his work (govt employee) didn't give a darn about any of it (and it isn't their job too). Also - this is different than a workman's comp. It was rough with him in the hole with leave time, medical bills piling up (even with insurance) and the prognosis that he may not even be able to finish his career because of health issues. He was what we thought a healthy individual; active, not overweight at all.

Bottom line - anything can happen to anybody. We take a gamble when we don't prepare. It can be a tough road but just keep going and you'll make it somehow, someway.
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Old 07-02-2011, 07:41 PM
 
421 posts, read 819,114 times
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Thanks for all the replies. DH healed well from the injuries and surgery and eventually went back to work at the part time job. As he wasn't eligible for FMLA on the full time job (having been there less than a year), he lost that job due to his extended medical leave. Our understanding is that if the two jobs had been in the same field, WC would have covered 60% of both salaries combined, but because the part time job was entirely different from the full time job, WC wasn't responsible for covering the full time job's salary. Also, the short term disability insurance at the full time job wouldn't pay because he was hurt on a job other than the one at the company where he held the policy. If he'd been sick or injured in any way OTHER than at a different job, they'd have helped. In other words, he could have been struck by lighting (for instance) at home, on vacation, standing on top of the Empire State Building, etc. and they'd have paid while he was disabled, but if he was working his part time job when he was struck by lightning, no way. If we learned anything from this, it's that if you have to work two jobs, make SURE they are in the same field. Don't do brain surgery during the week and flip burgers on the weekend or visa versa!
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