Insurance Payout for Injury
enjoyingspring
8 years ago
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sushipup1
8 years agoElmer J Fudd
8 years agolast modified: 8 years agoRelated Discussions
Injury - - looks like I could be sitting out the season
Comments (14)Thanks, all, for the positive comments and advice! It seems that I actually have two injuries. In addition to the tfcc tears, I also have ulnar nerve damage in both elbows, and will be taking a nerve conduction test Friday to confirm that. Terrene and Ida, I'm so sorry to hear of your injuries. Not fun at all. I do wrap my wrists as often as possible for extra support. Tape seems to work best, but it's murder on my skin. I also wear my splints at night, and I definitely notice when I skip a night - - I'm a known wrist-curler in my sleep. I also wear padded things on my elbows to cushion the nerves. I look like a hockey player when I'm headed off to bed! I have been going for PT, covered by insurance. I have good insurance, so that's no problem. Thanks for the suggestion for OT, Carol, and the link for the tools. I will definitely check that out. DTD, I have waited four years since I first injured my wrists, and I really wish I had done something sooner. It seems to get much worse with time. Toughing it out was a bad choice. Claire, Evonne, KT, Deb and Molie, thanks for the sympathy, and I believe you are right that this will mean a scaling down rather than a complete phase out. Oh, and the teenage muscle has already been alerted to the financial opportunities this summer! Carina, I am seeing a hand specialist. If you are near central CT, I will email you his name and see if you have heard of him. I would appreciate any input! A stabilization splint is a great idea. I could use it while kayaking as well (perhaps the one affected activity I love more than gardening). I am trying to make adjustments to my routine to minimize heavy lifting, but I laughed when I was told not to carry laundry baskets, lift heavy dishes, carry groceries, etc. My son helps when he is around, but really, how does one realistically avoid ever doing stuff like that?! Thankfully, I am still able to do certain activities I really enjoy, such as hiking, snowshoeing and even downhill skiing, at least until my surgery. I did have to give up cross country skiing this year, and kayaking is at risk this summer, but I'm determined to be able to do at least a little bit of that. Maybe I can get my SO to cart me around in a double kayak. :-) Thanks to you all . . ....See MoreBudgeting the Efficient Home: Where's the Best Payout?
Comments (56)Lyns, I've resisted posting on this one so far, as others already have covered the basic advice. Yes, go for superinsulation, make it as tight as it possibly can be, and install the HRV for controllable mechanical ventilation. Ignore any advice to the effect that you don't want to make it too tight, because "the house has to breathe." Spend extra as required for really good windows. They do make a real difference; your energy model for the house will show you that. Forget the whole house fan. It has little use in the sort of house you want to build. Running a whole house fan in hot weather will just draw hot, humid air through the house and make it hot and humid inside. In an ordinary house, there can be times when a whole house fan can bring in cool night air and provide almost free air conditioning. The tight, highly insulated you want to build simply will not gain heat very fast in summer, just as it won't lose heat fast in winter. Your A/C load for summer conditions probably can be met with one ton of capacity, and it won't needed very often at that. Given that you want the house to be very tight, and will have mechanical ventilation always running (at least on low speed), that means less worry about having an attached garage, not more, provided you detail properly your air barrier at the wall between garage and house. The garage absolutely must be outside the house's air barrier. With ordinary construction, and little attention to tightness of the shell, an attached garage would be more of a problem. I am speaking from experience here. I designed the shell of my own house and was on site for the build, advising the crew of particular things I needed to have done at certain times, some of which I just did myself. The structure is a double wall with 12" cavity filled with dense packed cellulose (R40). The attic floor is R60. Basement walls are R20 where there is concrete and R40 where framed (walkout areas). Sub-slab is R20. Windows are triple pane, around U=0.17, and all casements except for some fixed glass units. Not every window need be operable. The final blower door test came in at 0.8 ACH at 50 pascals depressurization. That confirmed the selection of a two-ton GSHP unit for heat and A/C. The gross footprint is 2,000 sq.ft., and there are two levels, so living space is 4,000 less walls, stairwell, and whatever isn't included in "living space." The energy model, which I did myself, shows heat loss at design minimum temperature to be about 22,000 BTU/hr. Worst case A/C load is less than half that. There also is a small woodstove in the lower level, with a firing range of 11-28,000 BTU/hr. Last winter we actually used that to heat the whole house, burning perhaps half time, while interior finishing was going on. It has an outside air kit, so the stove doesn't depend on inside air supply. I like having a wood fire now and then. Last summer, very little A/C was needed; the unit was loafing, coming on just once in a while, and never running in second stage. This winter has not been an especially hard one for really testing the house and heat pump. Still, there were a few nights getting down around zero for a while, and the heat pump still never went to second stage. I have been told by others that superinsulated houses often do test out better than the energy model had predicted. Lyns, you can have the same level of performance in your new house, and the cost isn't all that much more, if everything is done at the right time during construction. I totaled up everything involving the superinsulation part of our new house, relative to "ordinary," and it came to around $20K, about the price of a new car. With the savings in heating cost, the extra cost will pay for itself in less than ten years, then pay out like a slot machine thereafter. If I blew the $20K on a car, in ten years it would be a rustbucket with no value. Where's the "payout" in that? Moreover, the house really is delightful to live in, with no drafts or cold spots, worth every penny spent to make it better than "ordinary."...See MoreThe most ridiculous work injury-embarrassing...LOL
Comments (25)both you and your employer pay into worker's compensation funds, so you should get it checked out. what's an hour of your time in the hospital for an xray and check up? you don't pay for it, nor does your health insurance, it will all be covered by worker's compensation. your supervisor as are your co-worker's witnesses to your incident, so there should be no question. make sure a first report of injury is completed so it can go to the company's insurance company. your job should have a list of approved doctor's posted (at least they are supposed to) as well as who their carrier is. all this information should be given to the doctor/hospital that you treat with and no billing to you. if there's no prolonged treatment/injury, it's just treated as a medical only claim on their end. save receipts for advil or tylenol or any over the counter because you are entitled to be reimbursed. i don't know what state you are in, so not sure your waiting period if you miss time. hope you are feeling better. and make sure you get it looked at without delay. you don't want to cause any unnecessary additional damage to yourself. maryanne p.s. i can tell you a more embarassing work injury i handled one time, and your embarassment would quickly evaporate, but this is your thread. it caused a reminder and made me laugh....See Moreacl injury
Comments (17)Vicki. If you need to keep your baby quiet, go to a whole foods or other holistic - natural type food store and get some rescue remedy. It kinda drugs your dog to the point where they dont want to do anything, I have used it with my dog and with my friends dog who had a spiral fracture to her ankle and was not suppose to get up and move around for 4 weeks or so. Good luck with your baby. Hope everything turns out ok. My buddy has been doing great and his second TPLO we put in used equipment which costs less, ask your vet about that as well. I also chose not to have my dog on Rimadyl because of the issues with liver disease, that also saved me money. So there are things you can ask your vet about which may save money. My dog has a bit of arthritis in the leg with the botched surgery. Other than that, Ascripton once a week or so when they show signs of pain (panting, toeing, no wanting to go...) On the patent thing, I heard the vet that invented the surgery had died and that is why it is now available to everyone....See MoreAtomicJay007
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Elmer J Fudd