Showing posts with label jumping. Show all posts
Showing posts with label jumping. Show all posts

Friday, 5 August 2011

No jumping allowed – disability and injuries P3

imagesI’m up to my eye balls in forms right now. No, I’m not buying a truck or signing on to be a lease operator or applying for oversized load permits – much worse – I’m trying to deal with the bureaucracy of “our” government. When people fear a national health care plan, what I’m experiencing is what puts them over the edge. You might complain about the present health care system, but as much as we need a change, the alternative could be far worse.

In order to help more people, the better aspects of the system could get royally screwed up for the rest. With this current deficit mess, you had Representatives and Senators standing there saying, “Sure we’ll sign this new bill – we don’t like it – there could be better – but we have no choice right now. Well, isn’t that a fine state of affairs. To make matters worse, Congress goes on vacation (“break”) and leaves thousands of FAA workers and contractors out of work. The President says they should come back. Don’t they know that? All of this, I guarantee you, are shades of things to come with the new healthcare reform plan – aka Obama-care.

A few things stand out for me. The first thing is how many times I’m asked my race. Not so much if I’m African-American, but if I’m Latin or Kreyol. I didn’t even know what Kreyol is. That’s Haitian. You have three choices before you begin most application processes – English, Spanish or Haitian. That’s in Florida. I don’t what’s offered in other States. But, what’s with the race thing? Why is it anybody’s business? What is it “our” governments business? I’m White – Caucasian – so what? If I was Black, I would be asking the same question – what does it matter? Why do “they” need to know?

Then, I’m asked over and over, if I can read and understand English. Not just one question, but five. Do I speak some English or a little? Can I read or write English? Do I need assistance from someone if I don’t. An “interpreter” will be provided, if necessary, free of charge. Do I “you” understand what is being asked? Can you write your name in English?

I love this statement – if you cannot speak or understand English, what language do you prefer? Then you’re asked – choose everyone that is fleeing the law due to a felony or probation or parole violation. Choose everyone that has been convicted of a drug trafficking felony. Have you ever been a migrant worker or worked in the fields? Have you ever received benefits under the TTW, PASS, IEP or SSI programs? I’m a college graduate, some questions mystify me.

applying-for-social-security-disabilityMind you, I began this “research” about a week ago and already have a stack of papers, more forms and follow-ups about five inches high. All of this is flowing to me via the postal service under the “requirements” of 44 U.S.C. 3507 – as amended by section 2 of the Paperwork Reduction Act of 1995. That was one letter. The next told me that I do not need to answer these questions unless “we” display a valid Office of Management and Budget control number. Another letter said that “they” estimate that it will take about 60 minutes to read the instructions, gather the facts, and answer the questions. I don’t think so – more like 3 hours!

I already mentioned a post or two ago, about what it is like dealing with Oklahoma unemployment. The Social Security Administration seems way more on top of things, but the jury is still out on Florida’s Department of Children and Families for food stamps. There questions were even more intrusive. For the record, on some other applications, you can chose the “I prefer not to answer” option when asked about your race, but not when it comes to the government handing out benefits or entitlements. I have no clue if I was in fact, Latino, whether or not I would get any better or faster results. But then wouldn’t that be a prejudiced question – but it’s OK to ask if I’m White?

Lastly, know this. There is a huge crack in all this. If you’re a driver, injured OTR or had some type of surgery that prevents you from working, specifically short-term – let’s say a year – you file for SSDI – Social Security Disability Income. That could take 3-5 months – or longer than a year in some cases – to be approved for benefits. I’m told most applications are automatically denied. That’s why SSDI attorney’s drive Bentley’s. You need a lawyer to navigate you through the system and for a percentage, can might eventually get paid. But what to do while you’re waiting?

Unemployment. Perhaps. It depends. Social Security does not have a direct interface with the State’s employment security commissions. If you are filing for SSDI, you are stating that you have been unable to perform substantial work activity for twelve months or that you “anticipate” that you will be unable to perform substantial work activity for twelve months due to a mental and/or physical impairment. When filing for unemployment you are stating that you are ready and available to perform full time work should you be able to find a job that fits your work skills. To get approved, it could take 3-5 weeks.

Meanwhile, you have bills to pay, food too buy and a mortgage. You’re SDI – short term disability – has run out. What you’re left with is nothing but forms, forms and more forms. Unless, you have a plump savings account, it going to be real rough waters. This is how “your” government works. When you’re disabled, out of work or injured – and hungry – and told you need to wait 3-5 weeks or 3-5 months, well, need I say more? Oh, and let’s not forget, you have no health insurance.

*** For those you who have trouble with English, I do have this post available in Spanish for you. Sorry, I don’t do Haitian.

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Tuesday, 2 August 2011

No jumping allowed – disability and injuries P2

injured handLet me move forward with what I was writing about a post ago. You’ve been injured on the road. And frankly, this applies to any job, not just trucking. I do find it interesting, however, that when I’ve been in the many doctors offices that specialize in heart and joint issues, I meet a proportionately greater amount of truck drivers, than I do, let’s say salesman or lawyers.

In adjacent rooms to mine, when I had my knee surgery, was a Volvo mechanic and a fellow truck driver. The rest of the folks were old. Did you read that 90+ year old, former astronaut, John Glen, just had a knee replaced? When I say old, I’m referring to the 70+ year old crowd. The average age of the blue collars workers, including truckers, was about 56.

I’ve told you that one of the most important things you have to do, when signing on to a new job, is get SDT – short term disability. If you can afford the additional coverage that a company like AFLAC offers, get it. I don’t care how healthy you are or how awesome your abs look, the chance of your getting injured on the job, as a truck driver is high, very high. If you pull a parking lot or flatbed or do any kind of specialty hauling, you’re at even greater risk. But don’t be fooled, I’ve personally witnessed more OTJ – on the job – injuries – on the dock, when a box or reefer is being unloaded, then with any other type of trucking.

injury 3Do I need to remind you that a forklift is one of the most dangerous “machines” on the planet? The people that operate them safely, are in the minority. Remember, I told you that you can go into a T/A and get a DOT medical card “kit”, sign it and you’re good to go. Well, it’s even easier to be a “certified” forklift operator. I can “grant” you that “status” in a about five minutes after I printout one of twenty phony certifications available on line. Add a cell phone into the mix and that Toyota lift becomes a Indy racer that can kill you. Listen, a forklift coming off a 53 ft. box with a high heavy pallet – if one of those solid wheels runs over your foot, you could be crippled for life. In happens thousands of times a day, in thousands of DC’s (distribution centers) and warehouses around the nation.

I’m not going to dwell on the legal aspects of all this. I complained to one shipper that their entire loading operation was unsafe. “She” told me, “they” don’t care and will do what they want because they’re an LLC – a limited liability corporation. Besides, she adds, what do truck drivers know?  I looked at her.

We here in Tampa have a large “venue” where concerts are held. It’s right  off I-4 near the Florida State Fairgrounds. It used to be Verizon or Microsoft stadium or something. No more – the huge high lighted numbers and letters on top of the structure say 1-800-GARY. He’s a personal injury litigation attorney. He just loves when someone gets run over by a forklift and the company responsible says their an LLC. Can we all say: punitive damages? But, I’ll leave the details about personal injury and OTJ accidents to the experts.

injury 2OK, something has happened to you and you can’t drive a truck. Maybe it’s temporary, maybe it’s permanent. You were smart and signed up for STD – short term disability and have been receiving a check every week. That should go on for about 12 weeks. If you work for a Fortune 500 corporate or are under a union agreement, you might just have more time and the benefits will continue. Figure the STD check will be about 65% of what you used to earn weekly OTR. It all depends on what your company benefits manager has negotiated with the insurance people. But know that there are many trucking company that do not offer STD and if that is the case, you might have to get it on your own or be screwed.

Smarter owner-operators and some company drivers do set aside a few cents or more per mile to cover their maintenance costs or unexpected emergencies and getting injured and covering your bills when your out of work recovering certainly applies. You might want to separate the two and have a dedicated “nest-egg”, if you do not have STD. I know that when living paycheck to paycheck, it’s hard to think about “what-if’s” when every dollar is accounted for, but trust me, if it can happen, you need to plan for it.

Be safe out there, watch those forklifts, don’t jump off your trailer or out of your truck. More tomorrow.

PS/I just got off the phone with Oklahoma unemployment. You never call unemployment on a Monday or a Friday, because you will NEVER get through. After about 45 minutes on hold, I got through. Lucky me. It seems my claim is being held up because of “an unresolved issue based on your separation for your last employer.” Seems that’s the standard bureaucratic line that most new applicants get. I need clarification. I got none. What I did get was an arrogant bureaucrat who told me I to wait 3-5 weeks for a” resolution”. I asked, so what do folks do about eating, purchasing gas and paying their bills for 3-5 weeks! She began her answer with “Well, I’m not you but.” That’s when I lost it. Sorry, but I did. It got me no where, but neither was being nice.

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