Post # 1
I received a pelvic injury at work several weeks ago and I’ve been seeing a provider, chiropractor, and physical therapist several times weekly but there’s been no improvement, in fact things have gotten worse! I see my midwife next week and my provider mentioned to me that I may need to look at going on a leave from work or cutting back significantly on my hours. I’m already on FMLA and I won’t have time left for maternity leave as it is. My work has completely drained my sick and vacation hours to pay for benefits while I’ve been off and I’m just so frustrated. My provider feels that I have SPD and that the prognosis for improvement and returning to work while pregnant is low. I’m just feeling that I need to switch from part time with benefits to as needed (I’m a nurse so I would pick up open shifts here and there and not be scheduled regular shifts). I have to make a decision soon as I’m 20 weeks along and I’m in constant pain, I’d like to give my job a generous notice of my change of status soon, I just have to put my health first. Only issue is, the insurance.
If I cut back at work I will lose my insurance coverage. One of my coworkers mentioned applying for MA but I have no idea if I will qualify. If I go as needed I will not bringing home a regular income (a few shifts a month), and Darling Husband is only taking home 33k/annually. Which means there is no way in hell I can afford $250-$300 a month for insurance premiums plus have a 6k+ deductible which I know I would meet with childbirth easily. I hate even thinking about looking into government assistance because I’ve never needed it and we had a stable income up until now, but I’m afraid with how my health is now I may need help- at least temporarily until the baby is born and my SPD improves. I just have no idea where to start or if I can even qualify. Last year I made around 40k but this year I just won’t be able to make near that so I hope they don’t make a decision based on last years income… Anyone have any experience or advice? I’m already feeling pretty down about it all so I would appreciate not being bashed about looking into government assistance… And I have looked into going on DH’s work insurance, but it would cost over $275 a month just for my premium, which we again can’t afford. 🙁
Post # 2
Since you were injured at work, why isn’t worker’s compensation insurance paying for your missed work time?
Post # 3
mrsyeti: workers comp is paying me, but not very much. In my state, even if I’m receiving work comp I am still required to be placed on FMLA. I’ve already had to use a lot of my 12 weeks already. 🙁
Post # 4
- Wedding: October 2015 - Ruby Princess
Could you look for a job that is not so physically demanding? I know that is sometimes a tall order, but I would look into doing something else.
What is SPD?
What are your plans financially to take care of a baby?
Post # 5
amandajane4949: symphysis pubis dysfunction. It causes the ligaments in my pelvis to relax too much too soon into pregnancy. My pubic bone and SI joints have been going out of place daily for doing simple things like just walking or getting out of bed. It gets so incredibly painful that I’m barely able to walk short distances, roll in bed, stand, sit, just about everything is excruciating. We’ve got some savings and I would cash out on any remaining benefits at my job to put into savings as well to help cover bills until I can return to work. We also have cut back significantly with monthly bills. We already don’t have cable, dont go out to eat, stick to buying fresh fruits and veggies and drink water instead of soft drinks, plus clip coupons or buy in bulk when we can.
If I have good days during the pregnancy I’m hoping to pick up shifts here and there. I make $31/hr as a hospital RN, but my job is very physically demanding and I can’t handle my current 32-36 hours/week. I don’t want to quit and find a new job because I can’t make that kind of money anywhere else and I likely won’t be able to work anymore hours regardless of what I do. If I’m able to pick up a few shifts a month it would help cover some of the bills at least. Thankfully SPD is supposed to improve after the baby is born, so I’m hoping to return to my part time position or at least pick up more after I recover from delivery. It just sucks horribly for now. It’s not like I planned to have this issue or the injury, but it is what it is..
Post # 6
BlackbirdBee: Do you have a union rep you can consult with? Whatever you do, do not resign your position until you get more information.
Even if you are not unionized, I suggest you contact the North Dakota Nurses Association to see if you can get some advice. http://www.ndna.org/
I don’t know how workers comp works where you live, but here, your sick bank is replenished by WCB as your claim is processed. A workplace injury should never cause your personal sick bank to be depleted. The cost of the injury should be borne by the employer.