Jump to content

Injured and cannot work
can I get anything for it?


  • Please log in to reply
26 replies to this topic

#1 GreenEyedGirl

Posted 22 January 2013 - 10:42 AM

Hi
I broke my ankle 2 days ago (non work related) and will be having surgery later today as the bones need pins and plates in them.
Obviously I am going to unable to work and as I work in childcare I will probably not be able to go back to work for 1 month rather than the 2 weeks (had i a job where I could sit)

Am a bit stressed about the money as DHs income goes towards house repayments and other repayments and we live off my salary.

Any ideas on what I can do.

Can I claim anything from centerlink? i did read something about a sickness allowance ... at this point any money would be better than none.

Any advice would be appreciated.
Sorry wasn't sure where to put this thread so thought maybe here would be best

#2 annie13

Posted 22 January 2013 - 10:51 AM

I would ask to see the hospital social worker.  They can help with things like that.

#3 giggleandhoot

Posted 22 January 2013 - 10:55 AM

Do you have any  personal insurance?

#4 GreenEyedGirl

Posted 22 January 2013 - 11:31 AM

DH & I have life insurance


#5 9ferals

Posted 22 January 2013 - 11:38 AM

Do you have any sick leave or annual leave from work that you can take? Or is there any option for them to give you leave in advance?

If it was me I would check this with work first of all, also ask is there any option where they can give you a different job to do temporarily (I can't think of what that would be in childcare, but you could ask!) so you could go back sooner.

Good idea to talk to a hospital social worker, they should know what's available if you don't get covered by work.

Good luck with the surgery and recovery - I had pins and plates in a badly broken ankle about 10 years ago and found that it took a while to get back to normal but I can do anything now.

#6 qak

Posted 22 January 2013 - 11:40 AM

Check if your superannuation has any income protection type policy.  TBH they usually have longer waiting periods, but just check!

#7 giggleandhoot

Posted 22 January 2013 - 11:44 AM

yeah check if you have income protection original.gif

#8 Feral-as-Meggs

Posted 22 January 2013 - 11:45 AM

You would probably be entitled to Centrelink sickness benefit if you have used up your sick leave and meet the asset and income tests.

http://www.humanservices.gov.au/customer/s...kness-allowance

#9 charlie23

Posted 22 January 2013 - 11:48 AM

Can you have a look at your Super & see if there is any provision in there for you to claim?

Can you discuss with your Centre if you can do "paperwork" - meaning still be counted for ratios & get paid? If your centre is a good one hopefully they can accomodate you somehow?  

I have worked / had kids in centres where certain staff who have had medical issues (bad backs/ arthritis, etc) were still working but spent the day "sitting"  but still interacting with the kids.

Good luck.

#10 Let_it_Rain

Posted 22 January 2013 - 11:57 AM

QUOTE (Regular Show @ 22/01/2013, 12:52 PM) <{POST_SNAPBACK}>
DF had an non-work related injury a few months ago. We had no income protection. He was off of work for 3 months + . 1 month of this we had no money coming in.

The centrelink sickness benefit is extremely hard to get. If you only need 1 month off of work you will be back at work before you'd be approved for the allowance and before they had a chance to start paying it.

Its a long slow process.


This unfortunately.

And if your DH earns much above minimum wage you wont get anything either.

I tried to get it when I was injured (and pregnant), and the sole income earner and it wasn't worth it.

#11 SMforshort

Posted 22 January 2013 - 12:03 PM

Talk to your bank.  You may be able to pause your home repayments for a couple of months.

#12 GreenEyedGirl

Posted 22 January 2013 - 12:18 PM

Well I have asked work and they said because of 'duty of care' they cannot have me back at work until I am able to resume my normal duties.
Will get hubby to talk to bank and will talk to the hospital social worker.
DH does earn about 6-7k/mnth so probably will not get anything from centrelink

#13 MrsLexiK

Posted 22 January 2013 - 12:21 PM

QUOTE (fefe76 @ 22/01/2013, 12:31 PM) <{POST_SNAPBACK}>
DH & I have life insurance


Do you have income protection and are either in your super fund or out.  Call your broker/company if it is with a broker and out of super.  Some policies have "specified illness or injury"  I know the IP policies we write (which are all out of super) all have a payment for specific injury or sickness.  ie if you get cancer you will get 6 months paid regardless of any time off work.  If you break your wrist it might be one month. When insurance is in super it is has to meet tighter regulations/rules.  Most IP in Super is for 90 days (unless you specifically mention less) and it tends to only pay for TPD.  If you can prove TPD (which you maybe able to but you will most probably not meet the test) then the money will be paid to your super fund.  Whether you can access the money is a different story.

I would def talk to the hospital social worker as when we spoke to them with my uncle they were fantastic.  So wonderful.

Also your bank probably has an option where you can pause the repayments for 3 or 6 months.  This means that once the 6 months is up they recalc how much your payments will be so you still pay your mortgage out on time.  This usually means that you will pay more then you currently are when the payments resume, if you do not think you can afford that then the above isn't going to be an option unless you can cut spending elsewhere.  I know my bank only allows it in 3 month intervals and I do not think you can pay any onto the mortgage while you are taking the break.  You may however have a bit up your sleeve if you have not been moving the minimum repayment down as the interest rates have been coming down.  

I am sorry you seem to be having a sucky time OP

#14 EsmeLennox

Posted 22 January 2013 - 12:21 PM

Yes, if you only need a month off work, it's very unlikely you'll get anything from centrelink or income protection if you have it. If money is really, really tight, the best bet is probably to contact your bank and see if your loan has a 'repayment holiday' option. That will free up some money to live off, but when you start repaying your minimum repayment will be slightly higher (but if it's only a month it would be pretty negligible).

Edited by Jemstar, 22 January 2013 - 12:22 PM.


#15 Therese

Posted 22 January 2013 - 12:27 PM

You poor thing.

I think the best thing to do is to ring your bank and have a chat to them about your mortgage repayments too.

#16 9ferals

Posted 22 January 2013 - 12:35 PM

QUOTE (fefe76 @ 22/01/2013, 10:18 AM) <{POST_SNAPBACK}>
Well I have asked work and they said because of 'duty of care' they cannot have me back at work until I am able to resume my normal duties.
Will get hubby to talk to bank and will talk to the hospital social worker.
DH does earn about 6-7k/mnth so probably will not get anything from centrelink


Good idea to talk to the bank and the social worker.
And ask your doctors or physio about when they anticipate you could return to "normal duties" at work - when I had pins and plates in my ankle there was no way I would have been back to normal mobility in 1 month - I had plaster for 6 weeks and crutches for a few more weeks after that. Hopefully yours is not so severe, but your will be able plan better if you can anticipate how much time you need off.

#17 qak

Posted 22 January 2013 - 12:41 PM

Is there any possibility your work has a policy on you?  My work has one on me as a key person.

#18 charlie23

Posted 22 January 2013 - 12:46 PM

QUOTE (fefe76 @ 22/01/2013, 01:18 PM) <{POST_SNAPBACK}>
Well I have asked work and they said because of 'duty of care' they cannot have me back at work until I am able to resume my normal duties


That sucks Fe. I am sorry your centre isn't a bit more accomodating to your situation.

The centre my DD & DS went to had an older lady who basically couldn't walk for more than a few steps & couldn't stand for anymore than 5 minutes & seriously if a chid had hurt themselves she wouldn't have been able to do a thing and yet she was working FT in a 3-5 room. (This was a private kindy)

Another centre where I worked / DD went had an morbidly obese room leader (2-3 room) & once again she had a very difficult time getting up & down, so spent her day "sitting" on a chair. (This was an alphabet centre)

Very frustrating for you. sad.gif

Edited by charlie23, 22 January 2013 - 12:47 PM.


#19 GreenEyedGirl

Posted 22 January 2013 - 01:52 PM

QUOTE
That sucks Fe. I am sorry your centre isn't a bit more accomodating to your situation.


unfortunately since i have been with them i seem to have had nothing but bad luck.
my dad was seriously ill so i had to go overseas for 2 weeks to see him
then i had an ectopic removed so had time off then
then had a gastro infection recently so had a few days off and now this
at the end of the day I am just relief staff and one of 40+ staff they employ so in the big scheme of things I am nothing!
will just have to see what I can manage to come up with elsewhere and get onto the bank and maybe check my super

#20 solongsuckers

Posted 22 January 2013 - 03:19 PM

omg totally feeling your pain here. My DH broke his ankle too on Friday and he will be off work for at least 6 weeks although the more I read about his injury the more it seems it might be longer. We don't even know yet if he will need surgery.

He has 2 weeks holidays and 1 week sick leave but after that we are screwed. Even that will suck because most of his wage is overtime. I really don't know what we are going to do!

He has income protection through super but it has 60 day waiting period

#21 flopsy

Posted 22 January 2013 - 03:25 PM

My DP was off work for over 6 months with an injured knee and we were entitled to a big fat nothing! My $32k a year is apparently enough to cover us both (our rent alone was $20k).

I feel for you OP and hope that your recovery is as swift as can be. Would your boss let you put feelers out for families at your centre that might require babysitting in the evenings/on weekends? Could be a nice little earner while you are out of work and the parents would probably be comfortable with you as their kids already know you. Might be worth a shot.

#22 MrsLexiK

Posted 22 January 2013 - 03:35 PM

QUOTE (qak @ 22/01/2013, 01:41 PM) <{POST_SNAPBACK}>
Is there any possibility your work has a policy on you? My work has one on me as a key person.


We have clients we have structured with this, all to often the company that owns/pays for the insurance doesn't always give it to the client as it is to cover the loss to the business.  (This should be that the said person can still be paid wages rant.gif , can you tell I have had clients companies screw them over.)

But OP if is there a group policy you are part of at all with your employer? being 40 + workers these types of policies are taken out in lots of different areas and industries and all employees (as long as full time) are able to opt in.

#23 Escapin

Posted 22 January 2013 - 03:36 PM

The other thing is with your super, under SOME conditions, you can apply for financial hardship and get up to $10k of your super. It's definitely worth a phone call to your super fund to find out if you would qualify.

#24 Lil Chickens

Posted 22 January 2013 - 03:43 PM

QUOTE (fefe76 @ 22/01/2013, 01:18 PM) <{POST_SNAPBACK}>
Well I have asked work and they said because of 'duty of care' they cannot have me back at work until I am able to resume my normal duties.
Will get hubby to talk to bank and will talk to the hospital social worker.
DH does earn about 6-7k/mnth so probably will not get anything from centrelink


His income is way too high for you to get Sickness Allowance.

#25 JRA

Posted 22 January 2013 - 08:14 PM

QUOTE (Jemstar @ 22/01/2013, 12:21 PM) <{POST_SNAPBACK}>
Yes, if you only need a month off work, it's very unlikely you'll get anything from centrelink or income protection if you have it. If money is really, really tight, the best bet is probably to contact your bank and see if your loan has a 'repayment holiday' option. That will free up some money to live off, but when you start repaying your minimum repayment will be slightly higher (but if it's only a month it would be pretty negligible).



As has been said, generally income protection will only come in to play after X days off work. To have the X a small number like 10 or 20 generally makes the insurance a lot more expensive.

Good luck OP, and I hope the ankle improves quickly

Edited by JRA, 22 January 2013 - 08:14 PM.





1 user(s) are reading this topic

0 members, 1 guests, 0 anonymous users

 

Heartwarming prank gives single mum the house she was hired to clean

Cara Simmons arrived at work to clean a large and beautiful house in time for a party planned for that evening. It was soon hers.

Why we should stop telling new parents to 'enjoy every moment'

A few weeks ago, some dear friends of mine had their first baby. As the proud dad texted me a picture I had to fight the natural instinct to say “Enjoy every moment!”

Transgender dad breastfeeds his babies

A transgender man who breastfed his first baby - despite having his breasts removed as part of his transformation from female to male - has now had a second child.

Couple face $1 million medical bill and bankruptcy after babymoon birth

A Canadian couple were slammed with a million dollar medical bill after their daughter was prematurely during their babymoon.

Win one of 5 Little Tikes Cozy Coupe Sport

Australia?s No 1 selling car is now available in a Sports model and we have 5 to give away to some lucky Essential Baby families.

Cigarettes, junk food dominate supermarket sales growth

One in every five dollars spent at supermarkets goes on cigarettes or junk food, according to industry data.

Teacher under fire for breastfeeding in class

There is no doubt mums have a right to continue breastfeeding after they have returned to work, but one teacher in the US has taken it to the extreme.

Video: Baby sniffs beardless dad to make sure it's him

She looks him up and down and then touches his chin, but baby Lindsey still isn't sure this clean-shaven man is her dad.

The tragedy of losing a favourite teddy bear

We were green and uninitiated, perhaps a little naïve when it came to the favourite toy responsibility.

It's possible to workout while pregnant

Medical experts say intense fitness routines can be done safely during pregnancy - if the mums-to-be follow some guidelines.

Baby for Asher Keddie and Vincent Fantauzzo

Fans followed every step of her on-screen pregnancy in Offspring, now Asher Keddie is going to be a mum in real life too.

What parents really want for their kids

Are our hopes, dreams and expectations for our children what they really need?

'I had a feeling something was seriously wrong': the fight for Kaden's diagnosis

Before even giving birth, Katie Myers' maternal instincts warned her something was wrong with her baby.

When your pregnancy causes a relationship rift

Some dads-to-be don't miss a beat when their partner is pregnant; others struggle with a range of issues and can become withdrawn, right when their support is needed most.

Couple uses group photo trick to announce pregnancy to loved ones

Katharine and Kris Camilli devised a clever trick to immortalise their family and friends' reaction to their exciting pregnancy news.

Why Tracey Spicer has given up make-up

"After 30 years on television, I had become what I despised: a painted doll who spent an hour a day and close to $200 a week putting on a mask."

Empowering bikini photo of 46-year-old mum goes viral

When a group of teenagers made rude remarks about her body as she walked past them in a bikini at the local beach, Julie Cross refused to cover up.

Devastated widow discovers she's pregnant the day before husband's funeral

They had been trying to conceive a baby for seven years. Tragically Kristy Kirchner found out she was pregnant the day before her husband Royce's funeral.

Win a family pass to Disney Live!

We have 4 family passes to give away to see Disney Live! presents Three Classic Fairy Tales, touring Australia this December/January.

Gabriella Goat sues Peppa Pig

Every toddler's favourite television pig is being sued by an Italian woman who shares a name with a Peppa Pig character.

Meet the Mpregs, the male pregnancy enthusiasts

"Men can't have babies - that's something only women can do! But our community is full of like-minded people who wish otherwise."

Your new motherhood survival kit

Forget about the bright, pretty baby things - while you're in survival mode, all you'll need are the essentials.

More than 100,000 cars recalled globally after death of pregnant woman

The announcement of a mass recall comes as Malaysian police investigate the death of pregnant woman in July.

I had a 'good baby' but still suffered from postnatal depression

I had a much wanted precious baby girl, a 'good baby' who slept well, self settled and was mostly content. It just seemed implausible to think I could succumb to depression.

Download now: Essential Kids Activity Finder app

Got bored kids? Quickly find the best activities for kids wherever you are in Australia with the Essential Kids app.

 
Advertisement
 
Advertisement
 
 
 

What's hot on EB

Win one of 5 Little Tikes Cozy Coupe Sport

Australia?s No 1 selling car is now available in a Sports model and we have 5 to give away to some lucky Essential Baby families.

Join PADDINGTON on the red carpet!

To celebrate the release of PADDINGTON, we are giving five lucky winners the chance to win a family pass to the exclusive Australian Premiere in Sydney on December 7!

Knowing you are one of the lucky ones

I am secure, confident and strong, but the responsibility of protecting my children can almost bring me undone.

Why I am so emotional now I have kids?

There are so many ways in which parenthood changes us as women, but one of the most noticeable, for me, has been the changing state of my emotions.

Baby survives despite sharing womb with 'foreign body'

Baby Maia was conceived against the odds, only to find she was sharing a womb with an ominous "foreign body".

Video: Baby shows dog how to jump - or vice versa

They say dog is man's best friend, but this playful pooch seems to have chosen a jumping baby as her number one buddy.

10 ways to soothe a crying baby

New paernts can get frustrated when their newborn gets fussy and can't settle down. When you're feeling overwhelmed, try some of these simple tips to help soothe your baby.

20 baby names that are becoming more popular every year

The data-lovers at nameberry.com have been at it again – this time, they’ve discovered the names that are continually rising up the ranks, ready to take out some top spots in the next few years.

10 great meals to make for new parents

Ideally, you want to give food that isn’t expensive to make, isn't too difficult to create, and freezes well; stews, bakes, soups and pasta sauces are perfect.

'It's not you, it's me': Boston bombing survivor mum to have leg amputated

Rebekah DiMartino is going through a break-up. She even wrote a farewell love letter. But it's not to her husband.

What it's like to go through early menopause

In a cruel twist, Carla had been breastfeeding and perimenopausal at the same time. But she's far from the only one to go through menopause early.

Restaurant served alcohol to two-year-old

Busy restaurants can be forgiven for getting food and drink orders mixed up from time to time, but not when the confusion leads to a two-year-old being served an alcoholic cocktail instead of the child-friendly beverage they ordered.

Julia Morris tells of miscarriage on a flight

Julia Morris has spoken about the devastation of suffering a miscarriage while on an international flight.

Woman's survival after birth 'a story of two miracles'

A US mother is home and tending to her new baby less than a month after surviving without a pulse for 45 minutes.

Eating ice may give mental boost to the iron deficient: study

A new study proposes that, like a strong cup of coffee, ice may give those with insufficient iron a much-needed mental boost.

Tiny lives in caring hands: Thank U NICU Day

Each year in Australia, over 40,000 newborns need the help of a special care nursery or neonatal intensive care unit. One day a year, the staff are honoured by the parents they help through those dark days.

I paid $50,000 to have a girl

This time my husband and I hadn't taken any chances. We had paid $50,000 and travelled 13,000 kilometres to make sure the baby growing inside me was female.

Weird pregnancy products

Some pregnancy products come to market and are just awesome. Others just leave you scratching your head.

Dear firstborn, I'm sorry

Being a first-time mum is tough for so many reasons – particularly because you really have no idea what you're doing.

A trace of sesame could kill my son

Helen Richardson son's had two anaphylactic reactions in a month. It's traumatic for everyone.

When you know before the test says yes

It wasn't a pregnancy test or missed period that told me I was pregnant with my second baby; it was too early for those things. A doner kebab told me I was going to be a mum again.

What not to do when your partner is in labour

Robbie Williams stole the show during his wife Ayda's labour, pretty much demonstrating everything on the "what not to do when your partner is in labour" list.

Best maternity swimwear and beach cover-ups

Thinking about a tropical babymoon but have nothing to wear? Here are some great swimwear and beach cover-up options for mums-to-be.

'Chopstick Baby' born at 23 weeks

Given the nickname of 'Chopstick Baby' by local media, a baby born weighing 660g has survived a week outside the womb.

 

How many weeks til Christmas?

On your To-Do list

Get the "Santa" shopping done without the kids in tow.

 
Advertisement
 
 
Essential Baby and Essential Kids is the place to find parenting information and parenting support relating to conception, pregnancy, birth, babies, toddlers, kids, maternity, family budgeting, family travel, nutrition and wellbeing, family entertainment, kids entertainment, tips for the family home, child-friendly recipes and parenting. Try our pregnancy due date calculator to determine your due date, or our ovulation calculator to predict ovulation and your fertile period. Our pregnancy week by week guide shows your baby's stages of development. Access our very active mum's discussion groups in the Essential Baby forums or the Essential Kids forums to talk to mums about conception, pregnancy, birth, babies, toddlers, kids and parenting lifestyle. Essential Baby also offers a baby names database of more than 22,000 baby names, popular baby names, boys' names, girls' names and baby names advice in our baby names forum. Essential Kids features a range of free printable worksheets for kids from preschool years through to primary school years. For the latest baby clothes, maternity clothes, maternity accessories, toddler products, kids toys and kids clothing, breastfeeding and other parenting resources, check out Essential Baby and Essential Kids.