I was hoping someone in the insurance world could hopefully answer a question/concern I have.
In 2001 I had a work related back injury, claim into workers comp , had a discectomy in 2004 , everything for the most part ok till about 9 months ago, my back problems have begun to haunt me , and just barely working currently, which is casually related to original injury , at this point looking like surgery again . I just recently found out that because of the time span from original date of injury that workers comp will cover med bills, but coverage for loss of work time is lost after 18 years from date of injury. I have a good short term disability plan at work that I pay into, but , everything I read , for that plan , or most anything in regards to short term disability plans , that work related injuries are not covered . I can understand the reasoning of preventing double dipping, but looks like I have found a little black hole where I get no loss of work coverage,a tough situation to be in when bills don’t stop coming in. With talking to friends and family the thinking would be is if coverage is not provided thru comp then std should come into play. Anyone knowledgeable in this area care to chime in , thanks in advance.
In 2001 I had a work related back injury, claim into workers comp , had a discectomy in 2004 , everything for the most part ok till about 9 months ago, my back problems have begun to haunt me , and just barely working currently, which is casually related to original injury , at this point looking like surgery again . I just recently found out that because of the time span from original date of injury that workers comp will cover med bills, but coverage for loss of work time is lost after 18 years from date of injury. I have a good short term disability plan at work that I pay into, but , everything I read , for that plan , or most anything in regards to short term disability plans , that work related injuries are not covered . I can understand the reasoning of preventing double dipping, but looks like I have found a little black hole where I get no loss of work coverage,a tough situation to be in when bills don’t stop coming in. With talking to friends and family the thinking would be is if coverage is not provided thru comp then std should come into play. Anyone knowledgeable in this area care to chime in , thanks in advance.
