{"text":"Wondering what you would do if your injured and can't drive. I for one am getting another short term disability policy, but what if you don't have one. (I know most are like me and have some money saved back, but answer as if you were new and pay check to pay check.)","videos":"[]","link":"{}","pics":"[]","canComment":true,"externalShare":false}
764614 发表于 2020-09-25 01:50:48 I'm looking at short term. Advisor said it's more for use until ssdi. But what about only being off for a month or two is what I'm wondering. So many o/o need there income to stay afloat. Being o/o for years has nothing to do with it either. Trucks cost money as do the daily equipment.
","text":"I would definitely carry both short and long term disability on myself as an O/O. You just have to do your. due diligence as some short term disability policies do not cover on the job injuries. Work comp might be too costly to carry. But I would definitely consult an insurance agent that specializes in the trucking industry. I tore all the tendons in my rotator cuff a few years ago and was off work for 8 months. Thank god we had money put away because disability only pays about 60% of your pre injury earnings, but it is better than nothing.","replyToPid":399374}
{"replyTo":"","text":"I was off work a few weeks the beginning of the year to have a tumor removed. I used sick pay and vacation so I didn't miss much but did file FMLA for the job protection. I guess some of that depends on if you are company or O/O.","replyToPid":0}
{"replyTo":"","text":"purchase and pay for long term disability myself. If you pay the premium and not the company, it is exempt from income tax. We have a far greater chance as a young person of becoming permanently disabled then dieing on the job.","replyToPid":0}
925557 发表于 2020-09-25 01:31:31 purchase and pay for long term disability myself. If you pay the premium and not the company, it is exempt from income tax. We have a far greater chance as a young person of becoming permanently disabled then dieing on the job.
","text":"I'm looking at short term. Advisor said it's more for use until ssdi. But what about only being off for a month or two is what I'm wondering. So many o/o need there income to stay afloat. Being o/o for years has nothing to do with it either. Trucks cost money as do the daily equipment.","replyToPid":399370}
678033 发表于 2020-09-25 01:29:45 I was off work a few weeks the beginning of the year to have a tumor removed. I used sick pay and vacation so I didn't miss much but did file FMLA for the job protection. I guess some of that depends on if you are company or O/O.
","text":"O/o is more what I'm asking for, even though I know most places don't give sick time pay and if the injury isn't work related it all on you.","replyToPid":399369}
678033 发表于 2020-09-25 01:29:45 I was off work a few weeks the beginning of the year to have a tumor removed. I used sick pay and vacation so I didn't miss much but did file FMLA for the job protection. I guess some of that depends on if you are company or O/O.
","text":"And hope the tumor was benign and all is good for you now.","replyToPid":399369}
925557 发表于 2020-09-25 02:14:04 I would definitely carry both short and long term disability on myself as an O/O. You just have to do your. due diligence as some short term disability policies do not cover on the job injuries. Work comp might be too costly to carry. But I would definitely consult an insurance agent that specializes in the trucking industry. I tore all the tendons in my rotator cuff a few years ago and was off work for 8 months. Thank god we had money put away because disability only pays about 60% of your pre injury earnings, but it is better than nothing.
","text":"Thanks, I guess I'd better have him look into that. Most of what I've read says I'd be covered if it was work related but definitely better safe than sorry.","replyToPid":399382}
[复制链接]
发表于 2020-9-25 10:58:09
楼主
