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 Another one

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

 

Show us your DUPLO creations to win!

We love to see the cool creations kids build when they play with LEGO DUPLO. Enter and share a picture of your childs creation for a chance to WIN 1 of 10 LEGO DUPLO prize packs worth over $100 each.

Jammy, Hula Hoop, Rage: Reddit reveals most unusual baby names

A recent Reddit thread has revealed some of the more creative names in the world.

Woman awakens from coma, learns she gave birth

A US woman awakened this week from a four-month-long coma that doctors had feared would be permanent and learned that she had given birth to a baby boy, according to her family.

'Give us a break': mum sent shocking letter over Facebook baby pics

Posting a lot of baby photos doesn't make you a bad person. It may make your Facebook feed a little irritating, but it doesn't make you a bad person.

In defense of the dads who do so much

It's time to shift the focus off what dads aren’t doing and shine it on what they are.

The modern cloth nappies too cute to cover up

If you're only just joining the modern cloth nappy movement, or would like to spruce up your collection, we have to introduce you to Designer Bums.

How breastfeeding can affect your libido

When you’ve just had a baby, having sex isn’t usually top priority. In fact, for a lot of women it rates about as appealing as changing another dirty nappy.

Should pregnant women be allowed to use 'parent and child' car parking spots?

Is it acceptable to use these car parking spots when pregnant? How many of us would admit to doing it?

Healthy baby from sperm taken 48 hours after a man died

Fertility doctors have described their "most extraordinary case" - creating a healthy baby from sperm taken 48 hours after a man had died.

Anti-vaccination mum's seven children contract whooping cough

A Canadian woman who had declined to have her children immunised against pertussis, better known as whooping cough, has changed her position now that all seven of her children have come down with the disease.

How pregnancy probiotics can help you and your baby

New research suggests that taking specific pregnancy probiotics could be the answer to a range of common pregnancy side effects.

Childcare is a big problem, but there's more to it

Let’s keep talking about these issues and not allow them to be put into a neat little box that’s labelled ‘Fix childcare and everything is solved’.

Pink's awesome response to body-shaming trolls

When trolls felt the need to comment on 35-year-old singer-songwriter Pink's weight, her answer was an awesome ode to body love.

Fertility clinic offers egg donors $5000

A national chain of fertility clinics is offering egg donors a $5000 payment to cover their expenses, a first for Australia which is raising concerns the money could act as an inducement.

Baby boy abandoned in India amid fresh surrogacy concerns

Australian officials could do nothing to stop an Australian couple from abandoning their baby son, born through surrogacy in India, after they decided they did not want to bring him to Australia.

Herd immunity and community responsibility: how free-riders can make kids suffer

Individual choice works for haircuts and handbags, but not for preventing infectious diseases that kill kids.

Photographer captures 'unexpected beauty' of birth

If there is one thing Leilani Rogers knows about childbirth, it is that no two deliveries are ever the same.

Expectations vs the reality of making a toddler's clothes

Note to self: less sewing, more life. Not the party dress, but the party. The toddler, as usual, has it all figured out.

Mum meets 'dead' daughter 49 years after birth

In 1965, Zella Jackson-Price was told her premature baby girl had died shortly after birth.

Sign up to our 30 days of #PlayIQ challenge

Sign up to receive 30 amazing tips and ideas for play with baby during the month of April and submit a picture or tip on our social wall for a chance to win an amazing Fisher-Price prize pack.

 
Advertisement
 
Advertisement
 
 
 

What's hot on EB

Sign up to our 30 days of #PlayIQ challenge

Sign up to receive 30 amazing tips and ideas for play with baby during the month of April and submit a picture or tip on our social wall for a chance to win an amazing Fisher-Price prize pack.

Tips for flying with a baby

Travelling with kids requires a whole other set of skills - ones that I have learned through (sometimes unfortunate) trial and error.

How to stay calm in an emergency

I’m not expecting you to be as calm as you might be right now. What I mean is that if your panic levels are through the roof during a stressful situation, let’s bring them down to just under the ceiling.

Toddler gets 'drunk' after cranberry juice mix-up

A toddler was taken to hospital after a waitress served her sangria instead of cranberry juice at a US restaurant.

Show us your toddlers LEGO DUPLO creations

We love to see the cool creations kids build when they play with LEGO DUPLO. Enter and share a picture of your childs creation for a chance to WIN 1 of 10 LEGO DUPLO prize packs worth over $100 each.

We need to stop using this word when we talk about childbirth

Is it shaming to point out that women are often being let down in birth?

The certificate helping parents deal with pregnancy loss

For some people, this certificate will offer a sense of validation that their child was acknowledged as being here and now gone, and will help them with life post-loss.

The phenomenon of phantom pregnancy kicks

'Phantom pregnancy kicks’ are encountered by many mums months - or even years - after their pregnancy is over.

The health insurance advice you can't afford to ignore

There's one simple switch that could save you hundreds of dollars a year in private health insurance.

4D scans show how smoking affects babies still in the womb

The harmful effects of smoking during pregnancy on unborn babies may be seen in tiny movements in their faces using 4D ultrasound scans, research has found.

The most dangerous toddler food trends

Pete Evans' paleo cookbook for kids caused a storm, but there are plenty of other unsafe food trends for babies and toddlers.

Infection killed new mum of twins

Modern medicine could not save 19-year-old Sophie Burgess who died 48 hours after giving birth to twins in the UK.

How to babyproof your job interview

Once upon a time, I was a fan of job interviews. That all changed after I'd switched careers, had a baby and decided to spend the first year at home with her.

Grieving families give warnings after toddler deaths

Two Queensland families are grieving the loss of their toddler sons after the boys drowned in separate incidents last week.

Man faces jail after giving woman abortion pill smoothie

A Norwegian man is facing jail after putting abortion pills in his ex-girlfriend's smoothie, causing her to have a miscarriage.

'He's a blessing': family of baby born without eyes

Jordy Jackson was born without eyes. He has anophthalmia, which affects one in every 100,000 babies born.

Super fit model Sarah Stage defends her pregnancy body

Model Sarah Stage has defended her pregnancy body after critics claimed her slim figure at eight-and-a-half months pregnant wasn't "normal".

Why I post breastfeeding photos online

I love to take pictures of my children. In some of the pictures, my younger son is nursing.

The day I broke my baby

There are things I wish I didn't know. I wish I didn't know that companies make tiny braces, small enough to hold necks no bigger than a wrist.

Geeky baby gear

If your family is more into Star Wars, gaming and the periodic table than most, you might want to check out these geek-chic baby items.

Grandbabies: the babies born looking old

Not a day under 65 and a lifetime of struggle! That's the look of these newborns, who look adorably older than their real age. Social networking site Reddit recently featured user submissions of adorable grandbabies, here are our favourites.

53 creative pregnancy announcements

Announcing that you're expecting can be a time to express your creativity, sense of humour and imagination. Check out how other parents and parents-to-be have broken the news to friends and family.

IKEA hacks for the nursery and kids' rooms

Are you one of those that know the whole IKEA catalogue by heart? Love their stuff but want to personalise it? Here's some inspiration to help you realise the potential of IKEA furniture and fittings.

36 baby names inspired by food and drinks

A French court may have ruled out Nutella as a baby name, but that doesn't have to stop you from taking inspiration from the supermarket (or bottle shop). See what parents in the US have chosen for their delicious little ones.

Clever breastfeeding products

Check out this range of products designed to help make your breastfeeding journey more enjoyable, manageable and convenient.

 

SIGN UP NOW!

Win a year's worth of toys

Receive a daily email from Essential Baby for just the month of April with great play tips and ideas, then submit your baby at play photos to our Playwall, Instagram or Twitter for your chance to win.

 
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.