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 FeralDancesHere

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

 

A mum's tragic battle against inflammatory breast cancer

At just 37 years of age, with two young sons, Vicki was diagnosed with inflammatory breast cancer. Now her family wants all women to know the symptoms.

The business of babies around the world

Pregnancy and birth is an intriguing process no matter where you are in the world. One soon-to-be father gleans wisdom from a new guide.

Finding a positive path through IVF

It’s not surprising that IVF is often seen as a negative journey towards the ultimate positive, but having a glass-half-full approach can make a big difference to the experience.

Giving strangers the gift of parenthood

A mum explains why she and her husband are choosing to gift their leftover embryos to help strangers achieve their dream of parenthood.

Does morning sickness get better or worse with each child?

Just as every baby is unique, so is every pregnancy. And that means morning sickness can vary a lot, too.

What's so wrong with looking 'mumsy', anyway?

Why is it that the word ‘mumsy’ has connotations of such a negative nature – but seems to be the only other option apart from ‘yummy’?

Trying to speed up the inevitable

As the waiting game of late pregnancy continues, this mum considers a few things that might hurry things up a little.

One month later: where is William Tyrell?

It has been a little over a month since William Tyrell disappeared from his grandmother's home, 33 long sleepless nights for his family as they mourn the absence of their cheeky young boy.

Winter's child less likely to be moody: study

Babies born in the summer are much more likely to suffer from mood swings when they grow up, while those born in the winter are less likely to become irritable adults, scientists claim.

Single mum of two creates award-winning baby app

Suddenly single with a baby and an 11-year-old son, Tara O?Connell developed an app to improve the lives of mothers who were similarly overwhelmed.

Food for thought: looking after yourself as a new mum

As soon as your baby enters the world, everything else takes a back seat - even the necessities of daily life such as eating are severely compromised, right when you need energy the most.

'Grabbable guts' campaign aims to cut toxic fat

The Live Lighter campaign will take people inside the human body to show the internal dangers of being overweight.

The best and worst month of my life

A new mum's first month of motherhood didn't pan out as expected when she lost a family member weeks after her baby's birth.

Facebook and Apple offer to pay female staff to freeze their eggs

Facebook and Apple are hoping to provide women with the freedom to build their careers without the added pressure of having children at or by a certain age.

How a pregnancy contract could work for you and your partner

The idea of making a 'pregnancy contract' with your partner may sound a bit silly at first, but it can help make the transition to parenthood a lot smoother.

Finding a mum-friendly personal trainer

Burping babies vs burpees – yes, new mums and personal trainers live in different worlds. But they can work together - once you find the right match for you and your lifestyle.

Alleged baby snatch incident a ?misunderstanding?, say police

Police say that an incident in which a man pulled on a woman?s pram while walking a popular Sydney route late last month was a misunderstanding.

Ebola killed my aunt and is shutting down my country

Three weeks ago, my auntie, a midwife, developed a fever. Sitting here in Sydney basked in Australian sunshine, that shouldn't be big news.

The night my ovary burst

One mum shares her frightening experience and vows to never take her health for granted again.

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 1 of 5 Canon Powershot D30 cameras

Capture life more easily with the Canon Powershot D30. Shockproof, waterproof and dustproof, you can take it almost anywhere and shoot beautiful images, time after time. Enter now!

16 parenting truths you won't find in the baby books

I am five years into this parenting gig and I’ve learnt that sleepless nights and changing dirty nappies are child’s play.

Best and worst potty party cakes

It's nice to celebrate a child making the shift from nappies to 'big kid' undies, but do we really need a semi-realistic used toilet cake to do it? Here are some of the best and worst cakes parents have used at 'potty parties' around the world.

7 tips for a financially festive Christmas

Plan ahead - and do it now - to ensure festive season expenses don't break the bank.

'Go the F*** to Sleep' author's new book for frustrated parents

A sequel is coming soon to the 2011 hit book 'Go the F*** to Sleep' - and this time, it's about mealtimes.

Great birthday party buys from Etsy

Handmade crafts to decorate and personalise your child's next birthday - from banners to cake decorations, we've got gorgeous party finds from Etsy.

Creative storage ideas for the kids' rooms

Creative and practical storage ideas for the kids' toys and books can also add some stylish decor to your home. Visit babyology.com.au for more stylish modern finds for hip kids & parents.

New mum Megan goes topless

Megan Gale has posed topless for magazine's 'sexiest people' issue, five months after welcoming her son.

To the mum in the doctor's waiting room

Maybe the mum I saw in that waiting room, seemingly disconnected from her baby, doesn’t have the support she needs.

10 space-saving nursery ideas

Starting a family doesn't always mean moving into a bigger house - not yet, anyway.

 

What's in a name?

Baby Names

Looking for a classic name, or an unusual name? Our Baby Name Finder is for you, search or browse to refine your shortlist.

 
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.