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medical insurance

sandylegsntoes Mar 3 2006, 05:49 PM Post #1

Soooooooo, I'm wondering.....

If we get injured on the job, the company pays for the doctor/hospital visits, correct? We don't pay out of our pockets if we are injured on the job, correct?

If that is the case, then what is the policy when we are exposed to (from the clients) and become infected with diseases, invasive or not? Say, for instance...RINGWORM! Say that a houseparent contacted ringworm from a client several months ago and is still battling outbreaks....some of which now appear on the face. Some of them SCAR. Is this considered a on the job "injury?"

What is your organization's policy?

wycouple Mar 22 2006, 09:06 AM Post #2

It is true that if you are injured on the job, it should be covered by Worker's Compensation. Sicknesses are not usually covered- I'm not sure how Ringworm would be classified.

A few years ago when I was playing football with the kids, I injured my back and it was covered by Worker's Compensation.

But last year at another organization, several of the girls in our home had the flu and the doctor prescribed all of the girls Tamiflu to help prevent the others from getting it (all the girls were covered by Medicaid). The admin wanted my husband and I to get the medication too so that we wouldn't get sick- but it would be $60 per person for the prescription. So we didn't do it- and praise the Lord didn't get sick.

So I don't know about the ringworm- but these are just my thoughts

webmaster Mar 22 2006, 04:05 PM Post #3

You really need to contact the person that administers your workers Comp Policy. The admin at your facility should have that information.

I would imagine that policies on illnesses would be so varied from facility to facility that it would be of little help in your situation.

I can tell you that at the facility I work at and all previous facilities I have worked at, illnesses were my responsibility regardless of how I contracted it. I am thankful that the facility I currently work at provides medical insurance that covers most of our expenses and also a medical savings plan that allows us to pay non-covered expenses with pre-tax dollars.

You will also find that at most facilities personal property is also at risk. I have had several things damaged or stolen in the 9+ years I have been a houseparent and in most cases there was no restitution.

I also found out recently that some facilities are exempt from unemployment insurance. I know of an organization that recently closed a facility and because they were a religious non-profit organization they were not required to pay into the unemployment fund. Their laid off workers had no coverage and were on their own. That is something people should know when they accept a position. You don't expect the facility you are working for to close, but it can happen. The first facility I ever worked for in about one year went from being in the best financial situation it has ever been to closed because of funding.

putkidsfirst Mar 23 2006, 01:11 PM Post #4

My place of employment covers EVERYTHING and not one dime ever comes out of your pay check.
 

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