[gtyruzzel]

Excuse me,

but I'm LIVING IT,

and not only IS my hubby drawing on it,

I also did during the time I was covered,

for an illness that had nothing to do with my employment.

Short and/or Long Term Disability insurance pays you at least 60% of your salary/average earnings

for (I think) at least 2 years,

and with some, like the company my husband's policy is with,

until retirement age.

Then that's your private policy, via your employer.

[VodsNittats]

Huh?

I thought you said that a guy was SOL if the injury didn't occur on-the-job,

but that's not true.

It also isn't true for SSDI (social security disability insurance),
and ^that^ damned sure wasn't a "private" policy.

[TughEmotteTug]

And how can you call it a "private" policy if you can ONLY get it through your employer?
Because you can opt in or out of it?

[DuePew]

Huh?

I thought you said that a guy was SOL if the injury didn't occur on-the-job,

but that's not true.

It also isn't true for SSDI (social security disability insurance),
and ^that^ damned sure wasn't a "private" policy.

I've never experienced the situation, and I could give .0000001% of a fuck about yours. Hope you fucking starve.

[staisacic]

And how can you call it a "private" policy if you can ONLY get it through your employer?
Because you can opt in or out of it?

Because it's between you and your employer.

[vekiuytyh]

Because it's between you and your employer.

...and various sundry of interlopers, but this was about dead-beat dads. Not space cadets living off nigger flesh in a double wide.

[Nurfzerne]

I wasn't trying to be in-your-face with that;

I was trying to figure out why you would think an insurance policy that you can ONLY get through your employer should be considered a "private policy."

We have private policies ~ on our vehicles; on our belongings; on our home; on our lives.

I say that the Short / Long Term insurance isn't private because we have NO CHOICE regarding carriers,
and in fact,
if our employers don't offer it,

there isn't a way to get it on our own.

[smirnoffdear]

A friend of mine, who injured his left side, (hand, arm, leg, and 4 broken ribs), recently lost his job. He lost his job, because he was unable to go to work, after trying to unload something heavy off of a trailer, and got crushed pretty good.

Not an 'on the job' injury.....His job said 'fuck ya, can't help ya, cya'. End of story.

He will have almost a year to recover. He can't draw unemployment, because you must be ABLE to work.......he's not.

He's simply screwed. Here's where it gets WORSE. After 2 months in the hospital, with no money coming IN.......his child support got behind. 2 kids, a slut of an ex wife......They send him a letter.......then summon him to court.

The judge says basically "tough shit you deadbeat bastard, you pay up, or you go to jail.....I don't CARE if you can't afford it!!".

Pretty fucked up.......yes?

IMO, it is.

Meanwhile, 49.5% of Americans, pay NO taxes. And we dare not label them 'deadbeats'......they are the 'struggling'.

No one will cut my buddy any slack.....and no one will dare point a finger at the 'broke' people, who get MORE from the tax system, than they've ever paid in. Year after year.

I can hear it now; the argument against taxing those who pay nothing is that they can’t afford it. Has there been a single deadbeat dad in the history of deadbeatery who has not made that very same argument to the court when it was time to set his child support? And has a single one of them ever won it? Never. Everybody has to pay something.

But but but, the RICH benefit from roads and schools and police and stuff......they SHOULD have to pay. And the 'poor' benefit from those same roads schools and police.....but they should NOT have to pay?

I wonder why liberals aren't out defending dead beat dads?

To quote Tim Nerenz .......

That's fucked up. The man is crippled!

I can't believe he'd not be eligible for any kind of support whatsoever.

[L0KoxewQ]

Over here in our 'socialist' paradise, he'd qualify for long-term disability, after his salary expired. Regardless of whether it was work-related or not, he'd receive full pay for the first six months, 50% for the next six months, assuming he was working full time when he got hurt. After that, I think the period of support is three years, obviously dependent upon the type and severity of the injuries. In the private sector, there wouldn't be the obligation for the employer to pay his salary. These benefits would apply only where he worked in the public sector/local government. Even then he'd still qualify for enhanced sickness benefit. And of course his treatment would incur no cost to him.

[xgnuwdd]

And you can ONLY buy this type of insurance THROUGH YOUR EMPLOYER.

And only if your employer offers it. Most don't.

We used to have an AFLAC rep come in every year and offer policies at my work. But my employer stopped doing it, for some reason. Must be a cost involved.

[IteseFrusty]

And only if your employer offers it. Most don't.

We used to have an AFLAC rep come in every year and offer policies at my work. But my employer stopped doing it, for some reason. Must be a cost involved.

there ain't no free lunch.

[Crilosajsamq]

A friend of mine, who injured his left side, (hand, arm, leg, and 4 broken ribs), recently lost his job. He lost his job, because he was unable to go to work, after trying to unload something heavy off of a trailer, and got crushed pretty good.

Not an 'on the job' injury.....His job said 'fuck ya, can't help ya, cya'. End of story.

He will have almost a year to recover. He can't draw unemployment, because you must be ABLE to work.......he's not.

He's simply screwed. Here's where it gets WORSE. After 2 months in the hospital, with no money coming IN.......his child support got behind. 2 kids, a slut of an ex wife......They send him a letter.......then summon him to court.

The judge says basically "tough shit you deadbeat bastard, you pay up, or you go to jail.....I don't CARE if you can't afford it!!".

Pretty fucked up.......yes?

IMO, it is.

Meanwhile, 49.5% of Americans, pay NO taxes. And we dare not label them 'deadbeats'......they are the 'struggling'.

No one will cut my buddy any slack.....and no one will dare point a finger at the 'broke' people, who get MORE from the tax system, than they've ever paid in. Year after year.

I can hear it now; the argument against taxing those who pay nothing is that they can’t afford it. Has there been a single deadbeat dad in the history of deadbeatery who has not made that very same argument to the court when it was time to set his child support? And has a single one of them ever won it? Never. Everybody has to pay something.

But but but, the RICH benefit from roads and schools and police and stuff......they SHOULD have to pay. And the 'poor' benefit from those same roads schools and police.....but they should NOT have to pay?

I wonder why liberals aren't out defending dead beat dads?

To quote Tim Nerenz .......

That's a terrible situation.

Makes me rethink my stance on getting rid of social security, actually. Because that is his only chance, it would seem. I assume he's a working man who has been paying in for a number of years. If so, he certainly has a right to compensation.

As to child support, I have a friend who has a 12 year old daughter, the result of a mistake when he was a teenager. He's a bleue collar guy, is married and has 3 other kids with his wife of 10 years.

Well, the mother of this child, while he was working his ass off paying her tons of child support, used a bunch of gov't programs, went to nursing school and became an RN, and now she makes really good money, has no other kids, AND she's married to a doctor. Meanwhile, my buddy, who couldn't ever go to school or anything like she did, because he had a court-ordered mandate to come up with the support payments, is trying to raise a family with his wife, and the courts won't lower the support payments. By the way, I should mention he has SHARED CUSTODY. He has the kid exactly as much as the mother does.

[VanDerSmok]

YOU'RE ALL NIGGERS, AND SO IS
HER MAJESTY.
~~~~~~~~~~~~~~~~
FIGHT THE INCOME TAX.

FIRE THIS ROTTEN CONGRESS.


CEDE CALIFORNIA TO MEXICO.

[DailyRingtone]

there ain't no free lunch.

I'm not sure if the employer incurs a cost on AFLAC, or if the premiums the employee pays is the only cost.

[Amerworma]

Me, either, but as you said,

not all employers offer the benefit,

so there MUST be something ...

[c-cialis]

Just to be clear, though, you can buy a private disability insurance policy.


http://www.metlife.com/individual/in...ex.html#basics

[assohillA]

Huh?

I thought you said that a guy was SOL if the injury didn't occur on-the-job,

but that's not true.

It also isn't true for SSDI (social security disability insurance),
and ^that^ damned sure wasn't a "private" policy.

He's SOL for workers comp.

SS disability doesn't really apply, because he's not 'disabled for life, or a length of time greater than 1 year'.

He's just fucked up, for a few months....but his paycheck to paycheck bill paying, is on hold. No paycheck coming in.

[jimmy28]

That's a terrible situation.

Makes me rethink my stance on getting rid of social security, actually. Because that is his only chance, it would seem. I assume he's a working man who has been paying in for a number of years. If so, he certainly has a right to compensation.

Oh yea, he's worked construction his whole life. All or most of it above the board.

Recent divorce, had already drained his cash.

Now? Now he's just fucked.

What gets me, is that my buddy is what I picture when I think of 'hurting'.

He'll still pay taxes.......PAY in that is.....not GET BACK. Plus, he'll have to come up with the cash to pay the Child Support......or they'll throw him in jail.

Meanwhile.......50% of the US pays NOTHING. And all i hear anymore is 'make everyone pay!!!!!!!!! especially the evil rich!!!!!!!!!!'

[kneexyFreedly]

He's SOL for workers comp.

SS disability doesn't really apply, because he's not 'disabled for life, or a length of time greater than 1 year'.

He's just fucked up, for a few months....but his paycheck to paycheck bill paying, is on hold. No paycheck coming in.

This is an area where the Amish really have it figured out. They don't spend their tithe money on buildings (church is held at member's homes, on a rotating basis), or missionary work, or wages for preachers and staff (preachers are unpaid and voted on out of the congregation for a short "term"), etc...

All their money is saved and used for situations like this. The church would vote on it, and if deemed worthy, they would cut the guy a check for a year's salary, pay for his medical bills, volunteer to help do necessary tasks at his house, etc...

[feroiodpiop]

And here's my stance on Social Security :

It's a great INSURANCE program,
that folks PAID INTO,

much like we pay into IRA's and 401's,

that was SUPPOSED to be invested in order to grow and pay
Not Only the salaries of the folks entrusted with managing it,

but a decent retirement income to the person that PAID FOR THE POLICY!

Social Security was a RETIREMENT ACCOUNT for each person that WORKED and PAID THEIR MONEY into it;

FOR THE ACTUAL FUNDERs, IT IS NOT AN "ENTITLEMENT!"

(sorry, but it just PISSES ME OFF for the actual INVESTORS, looking to get their money BACK,
to be made to feel like beggars! )