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Need Surgery-Can't Afford time Off - update

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What can i do? i am the sole breadwinner for the family, dh is disabled, and i need surgery on my feet, before i can't walk.  I cannot afford to take the time off, as we are in a financial lurch already, waiting for dh's SSD to be approved.  We are barely scraping by, and to take time off, could put in out on the street...i don't know what to do... no, there are no services i qualify for to help out...i already looked.  Meanwhile, my feet get worse every month and it becomes more of a struggle to just be able to walk.  


Update:  after thinking about it, and rationalizing when i would actually have surgery, it won't be til 3-4mos down the line anyway, so,  i decided that i should get enough income tax return to enable me to stay home to recuperate without having to worry about things.

by on Oct. 13, 2012 at 7:27 AM
Replies (21-30):
OkieOBRN
by New Member on Oct. 13, 2012 at 9:14 AM
Physical and mental disability? And he still doesn't get SSD? Did it just happen like was an accident or something? .... My mother was recently put on disability, And it only took 6 months start to finish... From the day she quit working.

How long we have to be off work for? As soon as you're not working you can apply for benefits then.... I can't imagine you don't qualify for them now.

When your feet finally get out how are you going to provide for yourself? You say you can't afford to take off ...but i say, how can you not afford it?

Maybe hunt something you could do at home while recovering? Sell stuff? Look into income based housing? Cut back everything unnecessary .. food, phone, internet, cable... eat beans, rice, and ramen..

It can be done...
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emmy526
by Silver Member on Oct. 13, 2012 at 9:15 AM

here's the law    http://www.ctdol.state.ct.us/wgwkstnd/12-15%20PSLfinal2011.pdf

my job is not covered

Quoting Tea4Tas:


Quoting emmy526:

ct...google here i come

Quoting Tea4Tas:


Quoting emmy526:

see, that's what i thought too, unpaid leave...

Quoting Tea4Tas:


Quoting MrsRobinson06:

Fmla pays up to six weeks.

No it does NOT. FMLA is unpaid leave. A few states offer paid leave. Or she can purchase STD thru a company like Aflac.  EVERYONE should have STD or LTD (ideally both) the time to buy it (like all insurance) is BEFORE you need it.


SOME states offer paid leave-what state are you in?


Ct offers up to 40 hours of paid sick leave.   It's a complicated law and your profession might not be covered. But if you can get by with a week off it is covered at FULL pay.


emmy526
by Silver Member on Oct. 13, 2012 at 9:19 AM

we have cut back on everything we possible could have... ramen?? i don't think so...one thing i  WILL NOT sacrifice is healthy food.   Never did, never will or my health will suffer.  rice in and of itself is not too nutritious without adding healthy options to it.  we cut off our cable, next is phone bill...my dh's issues are stemming from a long line of bullshit following a car accident almost two years ago...we are finding out now, he is being treated for the  WRONG INJURY... so many tests coming up....so little answers from anyone.  housing??? a joke there...there are homeless camps in my town, as sec8 has been closed for years...i've been selling my stuff just to stay afloat with rent and bills and don't have much left.  when i get on my feet, i'll go back to my job, or hopefully be able to do something else.  

Quoting OkieOBRN:

Physical and mental disability? And he still doesn't get SSD? Did it just happen like was an accident or something? .... My mother was recently put on disability, And it only took 6 months start to finish... From the day she quit working.

How long we have to be off work for? As soon as you're not working you can apply for benefits then.... I can't imagine you don't qualify for them now.

When your feet finally get out how are you going to provide for yourself? You say you can't afford to take off ...but i say, how can you not afford it?

Maybe hunt something you could do at home while recovering? Sell stuff? Look into income based housing? Cut back everything unnecessary .. food, phone, internet, cable... eat beans, rice, and ramen..

It can be done...


Tea4Tas
by on Oct. 13, 2012 at 9:22 AM

You are covered-you are a service worker-THEY are who is specfically covered.

"Service worker" means an employee primarily engaged in an occupation with one of the following broad or detailed occupation code numbers and titles, as defined by the federal Bureau of Labor Statistics Standard Occupational Classification system or any successor system: (A) 11-9050 Food Service Managers; (B) 11-9110 Medical and Health Services Managers; (C) 21-1020 Social Workers; (D) 21-1093 Social and Human Service Assistants; (E) 21-1094 Community Health Workers; (F) 21-1099 Community and Social Service Specialists, All Other; (G) 25-4020 Librarians; (H) 29-1050 Pharmacists; (I) 29-1070 Physician Assistants; (J) 29-1120 Therapists; (K) 29-1140 Registered Nurses; (L) 29-1150 Nurse Anesthetists; (M) 29-1160 Nurse Midwives; (N) 29-1170 Nurse Practitioners; (O) 29-2020 Dental Hygienists; (P) 29-2040 Emergency Medical Technicians and Paramedics; (Q) 29-2050 Health Practitioner Support Technologists and Technicians; (R) 29-2060 Licensed Practical and Licensed Vocational Nurses; (S) 31-1011 Home Health Aides; (T) 31-1012 Nursing Aides, Orderlies and Attendants; (U) 31-1013 Psychiatric Aides; (V) 31-9091 Dental Assistants; (W) 31-9092 Medical Assistants; (X) 33-9032 Security Guards; (Y) 33-9091 Crossing Guards; (Z) 35-1010 Supervisors of Food Preparation and Serving Workers; (AA) 35-2010 Cooks; (BB) 35-2020 Food Preparation Workers; (CC) 35-3010 Bartenders; (DD) 35-3020 Fast Food and Counter Workers; (EE) 35-3030 Waiters and Waitresses; (FF) 35-3040 Food Servers, Nonrestaurant; (GG) 35-9010 Dining Room and Cafeteria Attendants and Bartender Helpers; (HH) 35-9020 Dishwashers; (II) 35-9030 Hosts and Hostesses, Restaurant, Lounge and Coffee Shop; (JJ) 35-9090 Miscellaneous Food Preparation



(NEW) (Effective January 1, 2012) (a) Each employer shall provide paid sick leave annually to each of such employer's service workers in the state. Such paid sick leave shall accrue (1) beginning January 1, 2012, or for a service worker hired after said date, beginning on the service worker's date of employment, (2) at a rate of one hour of paid sick leave for each forty hours worked by a service worker, and (3) in one-hour increments up to a maximum of forty hours per calendar year. Each service worker shall be entitled to carry over up to forty unused accrued hours of paid sick leave from the current calendar year to the following calendar year, but no service worker shall be entitled to use more than the maximum number of accrued hours, as described in subdivision (3) of this subsection, in any year.

OkieOBRN
by New Member on Oct. 13, 2012 at 9:28 AM
Ramen wont kill u in a month.... and isnt your health already suffering?

I lived in a tent for a few months.... sacrifices suck... but if by making them short term, u improve ur life long term ..then it's worth it..




Quoting emmy526:

we have cut back on everything we possible could have... ramen?? i don't think so...one thing i  WILL NOT sacrifice is healthy food.   Never did, never will or my health will suffer.  rice in and of itself is not too nutritious without adding healthy options to it.  we cut off our cable, next is phone bill...my dh's issues are stemming from a long line of bullshit following a car accident almost two years ago...we are finding out now, he is being treated for the  WRONG INJURY... so many tests coming up....so little answers from anyone.  housing??? a joke there...there are homeless camps in my town, as sec8 has been closed for years...i've been selling my stuff just to stay afloat with rent and bills and don't have much left.  when i get on my feet, i'll go back to my job, or hopefully be able to do something else.  


Quoting OkieOBRN:

Physical and mental disability? And he still doesn't get SSD? Did it just happen like was an accident or something? .... My mother was recently put on disability, And it only took 6 months start to finish... From the day she quit working.



How long we have to be off work for? As soon as you're not working you can apply for benefits then.... I can't imagine you don't qualify for them now.



When your feet finally get out how are you going to provide for yourself? You say you can't afford to take off ...but i say, how can you not afford it?



Maybe hunt something you could do at home while recovering? Sell stuff? Look into income based housing? Cut back everything unnecessary .. food, phone, internet, cable... eat beans, rice, and ramen..



It can be done...



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marchantmom06
by on Oct. 13, 2012 at 9:54 AM
Umm no it should guarntee your pay as well. Not 100% but a %.


Quoting emmy526:

all that will do is guarantee i have a job to return to....my problem is what to do for the month of no pay?


Quoting marchantmom06:

Can you apply for FMLA??



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chairhead28
by Silver Member on Oct. 13, 2012 at 9:58 AM
You have an awful lot of excuses....

Could you not apply for something called care credit? (I think that is what it is called...) basically, it is like a credit card, but for medical only. I know you said previously you did not have any credit.. But, it is worth a shot to call and ask and she if you can get approved. Do you already have a doctor? If you do, I would call, explain the situation and see if they can give you any references to someone that does a payment plan you could work with and things like that. I know in my state (maybe it is everywhere?), if you call 211, they can most likely help you find something out on how to help with the cost.

Someone previously posted your state gives you 40hrs paid leave? That is better than nothing.
Tea4Tas
by on Oct. 13, 2012 at 3:36 PM


Quoting chairhead28:

You have an awful lot of excuses....

Could you not apply for something called care credit? (I think that is what it is called...) basically, it is like a credit card, but for medical only. I know you said previously you did not have any credit.. But, it is worth a shot to call and ask and she if you can get approved. Do you already have a doctor? If you do, I would call, explain the situation and see if they can give you any references to someone that does a payment plan you could work with and things like that. I know in my state (maybe it is everywhere?), if you call 211, they can most likely help you find something out on how to help with the cost.

Someone previously posted your state gives you 40hrs paid leave? That is better than nothing.

No if she lives in CT and is that broke-she has free healthcare for a family of 3 she would be covered if she earns 33K or less.  So her living expenses are the issue-not her healthcare costs.

I pointed out that if she is a home health care worker she would be covered-UNLESS her employer has under 50 employees in the state.

emmy526
by Silver Member on Oct. 13, 2012 at 4:31 PM

yes it is, and why would i want to make it worse with my diet, esp ramen noodles which have no nutrition, and MSG, of which i am allergic to...i am trying to PREVENT that type of poverty you are describing...i've been there and done that earlier in life and now,  at my age, with my arthritis, i am very limited in mobility with hands and feet.  Food is one of the few pleasures in life  i have left right now in my condition, besides the internet.  

Quoting OkieOBRN:

Ramen wont kill u in a month.... and isnt your health already suffering?

I lived in a tent for a few months.... sacrifices suck... but if by making them short term, u improve ur life long term ..then it's worth it..




Quoting emmy526:

we have cut back on everything we possible could have... ramen?? i don't think so...one thing i  WILL NOT sacrifice is healthy food.   Never did, never will or my health will suffer.  rice in and of itself is not too nutritious without adding healthy options to it.  we cut off our cable, next is phone bill...my dh's issues are stemming from a long line of bullshit following a car accident almost two years ago...we are finding out now, he is being treated for the  WRONG INJURY... so many tests coming up....so little answers from anyone.  housing??? a joke there...there are homeless camps in my town, as sec8 has been closed for years...i've been selling my stuff just to stay afloat with rent and bills and don't have much left.  when i get on my feet, i'll go back to my job, or hopefully be able to do something else.  


Quoting OkieOBRN:

Physical and mental disability? And he still doesn't get SSD? Did it just happen like was an accident or something? .... My mother was recently put on disability, And it only took 6 months start to finish... From the day she quit working.



How long we have to be off work for? As soon as you're not working you can apply for benefits then.... I can't imagine you don't qualify for them now.



When your feet finally get out how are you going to provide for yourself? You say you can't afford to take off ...but i say, how can you not afford it?



Maybe hunt something you could do at home while recovering? Sell stuff? Look into income based housing? Cut back everything unnecessary .. food, phone, internet, cable... eat beans, rice, and ramen..



It can be done...




OkieOBRN
by New Member on Oct. 13, 2012 at 7:45 PM
Forget it then.... excuses wont help u. I wish u luck.


Quoting emmy526:

yes it is, and why would i want to make it worse with my diet, esp ramen noodles which have no nutrition, and MSG, of which i am allergic to...i am trying to PREVENT that type of poverty you are describing...i've been there and done that earlier in life and now,  at my age, with my arthritis, i am very limited in mobility with hands and feet.  Food is one of the few pleasures in life  i have left right now in my condition, besides the internet.  


Quoting OkieOBRN:

Ramen wont kill u in a month.... and isnt your health already suffering?



I lived in a tent for a few months.... sacrifices suck... but if by making them short term, u improve ur life long term ..then it's worth it..









Quoting emmy526:

we have cut back on everything we possible could have... ramen?? i don't think so...one thing i  WILL NOT sacrifice is healthy food.   Never did, never will or my health will suffer.  rice in and of itself is not too nutritious without adding healthy options to it.  we cut off our cable, next is phone bill...my dh's issues are stemming from a long line of bullshit following a car accident almost two years ago...we are finding out now, he is being treated for the  WRONG INJURY... so many tests coming up....so little answers from anyone.  housing??? a joke there...there are homeless camps in my town, as sec8 has been closed for years...i've been selling my stuff just to stay afloat with rent and bills and don't have much left.  when i get on my feet, i'll go back to my job, or hopefully be able to do something else.  



Quoting OkieOBRN:

Physical and mental disability? And he still doesn't get SSD? Did it just happen like was an accident or something? .... My mother was recently put on disability, And it only took 6 months start to finish... From the day she quit working.





How long we have to be off work for? As soon as you're not working you can apply for benefits then.... I can't imagine you don't qualify for them now.





When your feet finally get out how are you going to provide for yourself? You say you can't afford to take off ...but i say, how can you not afford it?





Maybe hunt something you could do at home while recovering? Sell stuff? Look into income based housing? Cut back everything unnecessary .. food, phone, internet, cable... eat beans, rice, and ramen..





It can be done...






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