Worker's comp explanation

Social security I think requires 30 quarters accumulated in the workforce. Then pays out according to your best quarter previous 3 years. So thats what 12 years?

Its not stable. In 2034 at this burn rate ALL SS people will suffer a 26% cut in all benefits including retirees.

My cola and associated increases have positioned me very well vs 2034. But my mindset is to try and clean up the mess in 2020 and get back out there if possible. Part of me seriously doubts it. But one way or another no sitting around growing moss on the Government Tit. No thanks.

 

We are not doctors.

I can make ... wild guesses that are pretty close but doctors need to look at you.

There is a special spin table they will put you on. Its tough getting into it but you will be on that table. THEN SPUN.

THEY WILL trigger whatever it is the vertigo cause. Thats one definitive medical test.

You need to be with a doctor making a strong case for your vertigo complaint. Get it fixed if possible. It could be a number of things, some of which probably can kill you. Or worse. Go. Make a appt. Get it going.

 

if a person is deemed disabled, you get onto SS disability till you are (i think) 65, then you go onto regular SS from that day forward.

you might need a SS disability lawyer to guide you thru the steps. he gets his fee from SS if he/she wins your case.

however be forewarned...once on disability, you had not be caught working or you will lose it, may even be arrested for fraud.

it's all up to you dude.

KPP-2447 OUUUUT.....!!!!!!

 

Regarding the fee to lawyer, it is a one time 45% of whatever the back award comes to which USUALLY takes about a year before you appear in front of the Administrative SS Judge to plead your case and be awarded or not. SS has to approve that fee before Lawyer is permitted to work with you. I did mine with the State when they sent me to SS and their lawyers on State income. So that back pay came all to me.

State of Arkansas spent a year examining possibilitys ranging from steel mill work all the way to even river boat work. and everything in between. They said there was nothing and sent me to SS. And that was that. There were at that time too big of medical breaks and wear and tear damage from trucking. I was in very bad medical shape that year.

Also Medicare takes two years before you get it once on SSdI. All medical bills until then is yours. Then 80% of whatever Uncle Sam does not pay is yours. You will find many bills. Co pays and so forth. Its a real mess. Which means you explore DHS extra help, part D medicines and Part C for eyes, ears and dental (They pretty much quit copays for ears, you are cash only this year 2020 forward. Dental is a mockery about 20% is paid, rest is yours. And eyes? HA anything over 65 dollar frames and lenses are your problem. (My last pair ran 760 and 300 for surgeon exam.) Its a royal mess.

Also being on medicare limits your medicines. You might need 4 doses or 6 per day but you aint gonna get it. You are limited to three. With 50 mme daily. Medicaid patients are rationed even worse.

Its not all bad. My insurance is working on it's first million. They paid about 16500 and rising in the last 4 weeks alone. With another 14000 to go.

 

Do not volunteer information that is not requested on the application. Do not share your medical history with anyone who is not a medical professional or your employers HR department.

As for your driving gap - simply state that you were out for medical reasons.
A recruiter cannot ask you about your medical history - they can only ask you if you have been released to return to duty by your treating physician.

When submitting to a DOT physical, answer all questions truthfully and completely. Once again...do not volunteer information that is not requested. If you're fit or not fit to drive a commercial vehicle is up to the medical examiner to decide.

Your weight has nothing to do with qualifying to apply for a job, so do not mention it.

Ultimately you need to decide if this is the career for you.

 

A little bit of misinformation regarding permanent disability. I can only speak for California, as that's where I was an adjuster. Loss of range of motion and body parts are scheduled permanent partial disability. For example a loss of 30° degrees would be a certain percentage. Then it is adjusted by age and profession. Based on the percentage, the injured worker would be entitled to so many weeks of PPD. This must be paid as soon as there is indications that there will be ppd.

There are 3 ways to settle claims. First is stipulations. This is used when the employee continues to work at the insured. Future medical will be defined, and will be the responsibility of the insured. PPD will be paid at a weekly rate, less attorney's fees, which are paid lump sum. Compromise and release is a way used with an employee who no longer works at the insured. Future medical will be estimated and the settlement will be lump sum less PPD already paid and attorney's fees. The final way is a judgement. It goes to court and the court renders a decision. If the employed is still working there, it will essentially take the form of the stipulations. If the employee is not working there, the insured will still try to close by buying out the future medical, and still do a compromise and release. Absent the compromise and release, the PPD will be paid weekly.

Death and total disability are paid at the TTD, temporary total disability rate. Death benefits usually are settled by compromise and release, but total disability will not be. I've had both. A woman who got a form of meningitis from pigeon droppings and was totally blind and a driver who got in an accident on his first day of work and got burned. He survived, and was improving until he expelled what they used to intubate him and he suffocated.

You do not need to stop working, even driving, in order to settle PPD.

 

I also had a work injury, knee. I was off work, had surgery, went through rehab and settled permanent disability. According to California, I had none as no pain and no loss of motion. In Illinois, having surgery meant permanent disability. I settled and continued with the same carrier.

 

each state has thier own set of rules for workman's comp..out here, you settle your case, you have to resign from the company. the only way to continue working for the same employer is, you do not sue for a settlement.

my buddy in Nevada told me of his situation, against my buddy here, 2 entirely different sets of rules.

so misinformation was not given, but given by the state one is living in. the o/p should have gotten himself a w/c lawyer to protect himself from the bullies at the insurance company.

lesson learnt for the next injury (which i hope he does not have)