The Crushing of the Blaster.

What are you trying to do Eric? Are you trolling? Shouldn't your post be in the "Tree Free Zone?" Your post has nothing to do with "Crushing of the Blaster." I am curious why you would post that.
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Wow, nice job MB! I echo the hirudo medicinalis suggestion. A clitellum possessing hermaphrodite can only help the situation
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Debriding sounds like a ton of fun. Do rest up and heal well. The trees are calling.
 
No, there was chat about Billy Graham and Jesus and stuff so I had searched for the info and found a document on how much money they make. Now I'm searching for the Catholics accounts and when I find that by all means I'll start a HUGE THREAD. lol
 
I belive that insurance is necessary, evokes a sense of responsibility, professionalism, and a recognition that you don't want to become a burdon on society, but seriously give the man a break.

There's another side to disability insurance that no one is recognizing. They have loopholes.

I have paid close to $2k per year for the last 4 years for private disability coverage, fully aware that the policy says I have to make proof of income to quantify the claim value. The thing is I have been building my business.......and have not personnaly revenued mored than $40k on those years......combined! So if I had to make a claim my family would get peanuts. Something for the critics to consider.
 
That depends on how you pay youtrself and the type of business structure you have. My insurance plan pays a set amount based on the level of disability. It is not based on my previous pay.
 
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That depends on how you pay youtrself and the type of business structure you have. My insurance plan pays a set amount based on the level of disability. It is not based on my previous pay.

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It's law here that no payouts can exceed 75% of your average weekly earnings. No-one can profit out of an injury.

Even the old CICA policies got revamped.

What you also need is Business Expense insurance, although you have a low income you may have high expenses ... a BEI policy pays those bills, ask around for it.

What you have to know is what expenses will continue if you are disabled that are not private ... for example, lease payments, direct debits for advertising which has to be paid, work shop rent, utilities pertaining to the work place etc.
 
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Trust me, it's swollen.

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Ouch! Apple in a cider press springs to mind - Must 'ave 'urt a bit. Take good advice to make sure it heals well, bust up feet are serious.

Good luck!
 
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That depends on how you pay youtrself and the type of business structure you have. My insurance plan pays a set amount based on the level of disability. It is not based on my previous pay.

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I believe you really should verify that. All of the policies I have seen only have the fixed payouts for permanent disability. If you are on short-term or long-term disability, but will be able to work again, I have only seen policies that pay a percentage of your income. If your policy guarantees a fixed payout for temporary disability that doesn't relate to your income I would be interested in the details because I would be interested in purchasing such a policy.

Unfortunately I think some insurance agents make plans sound better than they are or don't tell you all of the "gotchas". I had to cancel the first policy I purchased after I started reading some of the details, but that was for a life insurance policy.
 
There's two types of policies.

TPD= Total & Permanent Disability. This is usually a lump sum payout for defined permanent injuries, usually attached to life/super policies. For example, paraplegic payout $250K, loss of use of one eye $25K etc. The condition must be permanent and usually no payout is even considered for a grace period of 1 year etc to make sure the condition is permanent.

Then there's IP= Income Protection. This pays out a wage when you cant go back to work. There's usually some waiting period, you can select 1 week, 2 weeks, 1 month etc but benefits generally cannot exceed more then 75% of your earnings (after expenses but before tax)in the preceding 12 month period. Sometimes depending on the company there may be a TPD attached for a defined event. The length of time the benefit is paid out for is also determined when you buy the policy, 1 year, 2 year, 5 year, life etc.

Lets see how these would work in MB's case. Whilst he's laid up he'd get a wage after the qualifying period. The wage wouldn't exceed 75% of his earnings. If his foot got better and he went off to work in 6 months time the payments would stop.

But lets say his foot went bad and they cut it off then he'd hope to have a TPD lump sum benefit. Otherwise all that would happen is they'd pay him his wages till the benefit period expired.

Hope that helps, that's pretty much how it is here. TPD benefits are hard to claim and many end up in court as many people want to claim the lump sum when they still have some use of the affected body part, for example you ain't blind in one eye but have 50% vision ... gets ugly!
 
Well, I´m really sorry to hear that. I didn´t always agree with his meanings but I want to defend his right to express them without being hassled as he was everytime he said something. That was bullying.
Cheers
Svein
 
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