Returning to work after an injury

Size: px
Start display at page:

Download "Returning to work after an injury"

Transcription

1 Returning to work after an injury

2 Whether you can return to work full-time, part-time or can t return at all yet, it s important to begin to plan how and when you ll safely return to work. A team approach is often best when planning your return to work. Your recovery team should include you, your employer and your treatment provider/s. Others to consider include a support person and/ or union representative. If you re injured and your claim is accepted by ACC, your team might also include an ACC Case Manager/Coordinator. This resource has been developed by ACC to assist you in dealing with the impact of injury. However, you may find this resource can be applied to situations where you re off work because of illness. Your ACC Case Manager/Case Coordinator Name Phone number ACC information online Freephone 8am-5pm weekdays

3 Reasons why it s good to get back to work It s good for you financially If you re an employee and you ve had a work-based injury, your employer pays you for your first week off work. If your injury happened outside the workplace, you re responsible for your first week off work (eg. by taking sick leave). After that, you ll receive a reduced income of up to 80% of your weekly pay from ACC. Therefore we ll work with you to put a return to work plan in place, because it can be hard to make ends meet when you have less money coming in. When you return to full-time work, you can usually look forward to receiving 100% of your pay again. It s good for you physically While a healthy diet, plenty of fluids and relaxation are all important in helping you recover, research shows that staying active also helps speed up recovery. Even if you re feeling some pain, there are ways of managing the pain so you can do what s likely to be best for you - return to work. The workplace is often the best place to recover. Your treatment provider will help work out what you re capable of doing, so only suitable work will be expected of you. When you return to work, you can look forward to a faster recovery. 1

4 It s good for you emotionally If you re off work longer-term, you can start to lose your confidence. Generally the longer you re away, the harder it can be to return to your usual job. An early return to work can help you keep up with everyone at work and let them see that you re making steady progress. It can also maintain your lifestyle outside of work. When you return to work, you can look forward to staying in touch with your job and your workmates. 2

5 The first step to getting back to work is to contact your Manager/Supervisor Your Manager/Supervisor can then help you develop a safe return to work plan. Together with help from other members of your recovery team, you can set goals, actions and timeframes for a safe return to your usual job. 3

6 Your recovery team You It helps when you play an active role in your own return to work. A positive attitude is important and you ll recover faster and more fully if you re involved in planning your return to work. Your employer It s important that you tell your employer about your injury. Whether or not the injury happened at work, your employer can help you get back to work as quickly and safely as possible. This may involve changing your hours or work tasks. Your employer may already have a list of alternative duties and you can discuss alternative or modified duties with them. 4 Your treatment provider/s This could include your doctor, physiotherapist or occupational therapist. They may put a treatment plan in place to help you recover. They ll also determine your ability to do certain activities. For example; how much can you lift and how often? This information should be recorded on your medical certificate (only your doctor can complete this). To do this properly they ll need assistance from you and the other members of your recovery team. They ll need to know what your job involves and, if necessary, what temporary changes could be made to help you return to work.

7 Your ACC Case Manager/Coordinator This is your own personal contact person at ACC. They ll support you and your employer in preparing for your return to work and help you to set goals for your recovery. They ll also arrange any ACC entitlements you may be eligible for. 5

8 Assessing your ability to go back to work It s important that your recovery team has a clear understanding of your injury, your workplace and your job. This is so an individual return to work plan can be developed for you. Sometimes ACC will arrange for a workplace assessment to be completed. This helps your recovery team to understand what your job involves and how to help you return to work. Everyone in your recovery team holds different information about your injury, your workplace and your job. Therefore it s important that you all talk to each other. You can then agree on what needs to happen, so you can return to work and an everyday life. 6

9 Now you re ready to return to work Your return to work plan should match your capabilities because you ve been involved in its development, along with your recovery team. Therefore it should be effective in helping you return to work confidently and safely. 7

10 Give it a go! Now it s time to give your return to work plan a go. Go back to work and see how you feel. If there are any problems along the way, don t worry, your plan can be reviewed and changed. You ll have good days and bad days that s normal. The main thing is to keep active and make steady, gradual progress. Some ways ACC can help Monitoring to provide support and assistance Temporary modifications to your work environment if you experience a significant increase in pain when you return to work Exploring transport options if you find it difficult getting to work Reviewing your return to work plan with your recovery team. This is an opportunity to make any changes that may be needed and to follow-up on how you re going. 8

11 Questions about returning to work after an injury If I can t do my usual job, do I have to be signed off work completely? No. ACC will work with you, your employer and your treatment provider/s to see what tasks you can do at work. If my ACC form says I m fit for some work and there are no other duties available, or my employer doesn t want me back until I m better - do I have to be signed off as fully unfit or I won t get paid? No. If there are no alternative or modified duties available at your work, ACC will pay you whatever you would have been paid if you were signed off as fully unfit. I can t do much at the moment. If I go back to work, my employer won t be happy at having to pay me my normal pay for my usual job when I m not doing it. ACC doesn t have to pay at all then, does it? If necessary, ACC can contribute to your pay until you re able to do more of your usual job tasks. This will be agreed between ACC and your employer. There are no other duties available at my work. If I go back, won t I have to do my usual job anyway? If you re worried about this, talk to your ACC Case Manager/Coordinator. They can work with you and your employer to make sure that you re going to be working safely. This will allow you to continue your recovery. 9

12 ACC4612 Printed June

Helping an employee get back to work after an injury

Helping an employee get back to work after an injury Helping an employee get back to work after an injury This resource has been developed by ACC to assist you in dealing with the impact of injury. However, you may find this resource can be applied to situations

More information

About injury management and staying at or returning to work

About injury management and staying at or returning to work About injury management and staying at or returning to work Returning to work after an injury is an essential part of rehabilitation and can help you improve the health and wellbeing of staff. It can also

More information

Getting help and what to know if you ve been injured at work

Getting help and what to know if you ve been injured at work Getting help and what to know if you ve been injured at work Introduction If you ve been injured at work, this guide provides you with useful information to help you recover from your injury. Once you

More information

A guide for injured workers. Returning to work. April 2011

A guide for injured workers. Returning to work. April 2011 A guide for injured workers Returning to work April 2011 Contents 1. Getting back to work 1 Ideas to help you return to work 2 Staying positive 2 Your employer s legal obligations 3 Anti-discrimination

More information

Working together. The role of the TAC. Your role

Working together. The role of the TAC. Your role Returning to work Current from 1 July 2014 A Working together Your role The most important person in your return to work is you. A large part of recovering from your accident and getting on with your life

More information

Getting help after an injury

Getting help after an injury Getting help after an injury For more information ACC information online www.acc.co.nz Claim information freephone 0800 101 996 We have interpreters who can help you talk to us. If you re injured, ACC

More information

Claims Guide. Helping you when you need it most

Claims Guide. Helping you when you need it most Claims Guide Helping you when you need it most 1 2 At Bank of Ireland Life, we understand that this is a very difficult time for you so we ve written this Claims Guide to help answer any questions you

More information

Getting help with an injury caused by treatment

Getting help with an injury caused by treatment Getting help with an injury caused by treatment Injury caused by treatment If you re injured as a result of treatment, ACC may be able to help you. This brochure tells you about how and when you can make

More information

Working for business. Getting to know ACC. An overview of ACC for employers and the self-employed

Working for business. Getting to know ACC. An overview of ACC for employers and the self-employed Working for business Getting to know ACC An overview of ACC for employers and the self-employed ACC provides 24/7, no-fault personal injury cover for everyone in New Zealand. This includes a comprehensive

More information

The Statement of Fitness for Work from sick note to fit note

The Statement of Fitness for Work from sick note to fit note The Statement of Fitness for Work from sick note to fit note Background Information From 6 April 2010 the sick note is changing to become a fit note. Sick notes (or Medical Statements) are the forms issued

More information

A step-by-step guide

A step-by-step guide Be prepared People are going to be off sick from time to time. Most employees feel bad about letting down their colleagues and most employers are reasonably sympathetic about their staff s welfare. But

More information

Protecting Your Income

Protecting Your Income Protecting Your Income Income Protection For most of us, our income is our most important asset. It affects how we live and how we pay for everything from food, light and heating to our mortgage repayments,

More information

Getting help if you ve been injured while travelling overseas

Getting help if you ve been injured while travelling overseas Getting help if you ve been injured while travelling overseas For more information ACC information online www.acc.co.nz Claim information freephone 0800 101 996 We have interpreters who can help you talk

More information

Income protection. Paying you a monthly income if you can t work because of an accident or illness

Income protection. Paying you a monthly income if you can t work because of an accident or illness Income protection Paying you a monthly income if you can t work because of an accident or illness Income Protection How it works when you can t Income Protection is a type of insurance which helps replace

More information

Worker s Handbook. A guide to your workers compensation insurance. Nova Scotians safe and secure from workplace injury

Worker s Handbook. A guide to your workers compensation insurance. Nova Scotians safe and secure from workplace injury Worker s Handbook A guide to your workers compensation insurance Nova Scotians safe and secure from workplace injury Your Worker s Handbook at a glance Your care comes first: health care benefits.... 2

More information

Helping Union Members

Helping Union Members Helping Union Members with their ACC Claims A Guide for Union Delegates and Health and Safety Representatives The Code of ACC Claimants Rights The Code of ACC Claimants Rights guides how ACC works with

More information

How you can get. Getting help if you re injured

How you can get. Getting help if you re injured How you can get help visiting after our an country injury Getting help if you re injured How visitors to New Zealand can get help after an injury If you re injured during your visit to our country, you

More information

About us. Your injured worker s recovery and return to work is a team effort. It involves you, your WorkSafe Agent, your worker and their doctor.

About us. Your injured worker s recovery and return to work is a team effort. It involves you, your WorkSafe Agent, your worker and their doctor. 1. About us Your injured worker s recovery and return to work is a team effort. It involves you, your WorkSafe Agent, your worker and their doctor. About WorkSafe Victoria WorkSafe Victoria (WorkSafe)

More information

An Introduction to Workplace Rehabilitation

An Introduction to Workplace Rehabilitation An Introduction to Workplace Rehabilitation OUTLINE Definition of workplace rehabilitation Goals of workplace rehabilitation Obligations Who may be involved in rehabilitation Your employer s process for

More information

This brochure suggests some strategies for helping someone you know who is living with a terminal condition. Understanding emotions and feelings

This brochure suggests some strategies for helping someone you know who is living with a terminal condition. Understanding emotions and feelings This brochure suggests some strategies for helping someone you know who is living with a terminal condition. Finding out that someone you know a relative, acquaintance, workmate, or friend - is going to

More information

Chapter 6. Working for Your Employer After Injury

Chapter 6. Working for Your Employer After Injury Chapter 6. Working for Your Employer After Injury After a job injury, staying at work or returning to work safely and promptly can help in your recovery. It can also help you avoid financial losses from

More information

A workers compensation guide for employers

A workers compensation guide for employers A workers compensation guide for employers When a worker is injured 1 C CONTENTS PURPOSE OF THIS GUIDE 4 NSW workers compensation system 4 Your obligations 5 The evidence for recovery at work 5 The benefits

More information

How To Get Back To Work

How To Get Back To Work As life happens, we re here for you AMP claims paid 2014 Live life knowing we ll be there for you Like most people, you probably think something bad will never happen to you. Hopefully you re right. But

More information

How To Understand The Effects Of Mild Traumatic Brain Injury

How To Understand The Effects Of Mild Traumatic Brain Injury Knowing about your Mild Traumatic Brain Injury (TBI) Knowing about mild TBI There is a distinction between visible injuries to the scalp ( Head Injuries ) and internal injuries to the brain itself ( Traumatic

More information

Injury cover for all businesses with employees

Injury cover for all businesses with employees Working for business Injury cover for all businesses with employees ACC WorkPlace Cover As an employer, you re responsible for providing injury cover for your employees. So it s reassuring to know that

More information

How to use the new "Sick Note" Guidance for union representatives

How to use the new Sick Note Guidance for union representatives How to use the new "Sick Note" Guidance for union representatives Health and safety June 2012 How to use the Sick Note. Guidance for union representatives From 6 th April 2010 there were a number of changes

More information

Injury cover for all businesses with employees

Injury cover for all businesses with employees Working for business Injury cover for all businesses with employees ACC WorkPlace Cover As an employer, you re responsible for providing injury cover for your employees. So it s reassuring to know that

More information

Knowing about your Ankle Sprain

Knowing about your Ankle Sprain Knowing about your Ankle Sprain Knowing about ankle sprain Ankle sprain is a common injury amongst sports such as netball, basketball, rugby and soccer. Sprains can also happen with everyday activities

More information

Getting over back pain. A practical guide to dealing with back pain and getting on with your life

Getting over back pain. A practical guide to dealing with back pain and getting on with your life Getting over back pain A practical guide to dealing with back pain and getting on with your life Short-term back pain is very common eight out of 10 New Zealanders have to deal with back pain at some stage

More information

Employers have certain obligations under the Workplace Injury Management and Workers Compensation Act 1998. These include:

Employers have certain obligations under the Workplace Injury Management and Workers Compensation Act 1998. These include: INFORMATION FOR EMPLOYERS Employer s Obligations Employers have certain obligations under the Workplace Injury Management and Workers Compensation Act 1998. These include: o Forwarding claims to CMI 48

More information

Getting help if you re injured visiting our country

Getting help if you re injured visiting our country Getting help if you re injured visiting our country How visitors to New Zealand can get help after an injury If you re injured during your visit to New Zealand, you may be able to receive a range of help

More information

Cardiac Rehabilitation Your quick guide

Cardiac Rehabilitation Your quick guide Cardiac Rehabilitation Your quick guide Coronary heart disease is the UK s single biggest killer. For over 50 years we ve pioneered research that s transformed the lives of people living with heart and

More information

Income insurance. Protect your income and your lifestyle

Income insurance. Protect your income and your lifestyle Income insurance Protect your income and your lifestyle Your ability to earn an income is likely to be your most valuable asset in life. Insuring your income can give you peace of mind that your family

More information

Applying for a Marketplace Plan if You Can Get Health Insurance through Your Job

Applying for a Marketplace Plan if You Can Get Health Insurance through Your Job What You Need to Know about Health Insurance Job-Based Coverage Applying for a Marketplace Plan if You Can Get Health Insurance through Your Job About this fact sheet Most people can get health insurance

More information

PROTECTION INCOME PROTECTION BECAUSE LIFE DOESN T COME BUBBLE WRAPPED

PROTECTION INCOME PROTECTION BECAUSE LIFE DOESN T COME BUBBLE WRAPPED PROTECTION INCOME PROTECTION BECAUSE LIFE DOESN T COME BUBBLE WRAPPED Not too many people could live with an 80% drop in income. Could you? 2 For most of us, our income is our most important asset. It

More information

The Intelligent Choice for Basic Disability Income Protection. Keeping Income. strong

The Intelligent Choice for Basic Disability Income Protection. Keeping Income. strong The Intelligent Choice for Basic Disability Income Protection ProVider Plus Limited Keeping Income strong We purposefully engineer our basic disability income product to provide benefit-rich features delivering

More information

Where to Begin 1. What You Need to Know Once You ve Been Injured 2. The People Playing a Role in Your Recovery 5

Where to Begin 1. What You Need to Know Once You ve Been Injured 2. The People Playing a Role in Your Recovery 5 Where to Begin 1 Contents What You Need to Know Once You ve Been Injured 2 The People Playing a Role in Your Recovery 5 Why You Need a Personal Injury Lawyer 8 Frequently Asked Questions 11 Recovery Diary

More information

INCOME PROTECTION THE BASICS WHAT IF?

INCOME PROTECTION THE BASICS WHAT IF? INCOME PROTECTION THE BASICS WHAT IF? If you couldn t work due to illness or injury, could you cope financially? We all hope we ll never find out, but the reality is nearly a third of us will have close

More information

Insurance. how to use health insurance

Insurance. how to use health insurance Insurance how to use health insurance taking charge of your health insurance Now that you have health insurance, you are able to get the health care you need, when you need it. You won t have to wait until

More information

Cancer Pain. Relief from PALLIATIVE CARE

Cancer Pain. Relief from PALLIATIVE CARE PALLIATIVE CARE Relief from Cancer Pain National Clinical Programme for Palliative Care For more information on the National Clinical Programme for Palliative Care, go to www.hse.ie/palliativecareprogramme

More information

QUESTIONS FOR YOUR LUNG CANCER CARE TEAM

QUESTIONS FOR YOUR LUNG CANCER CARE TEAM What should I ask my doctor? Thinking about lung cancer brings up many questions. Sometimes it is difficult to keep all of your questions straight. Many patients have topics in mind they want to discuss

More information

Workplace rehabilitation providers and WorkCover

Workplace rehabilitation providers and WorkCover Workplace rehabilitation providers and WorkCover What to expect from your workplace rehabilitation provider This guide aims to provide workers and employers with information regarding the role of WorkCover

More information

WHAT IF? INCOME PROTECTION ADVISER GUIDE

WHAT IF? INCOME PROTECTION ADVISER GUIDE INCOME PROTECTION ADVISER GUIDE WHAT IF? 92% of advisers think that income protection is undersold. Your clients may not realise how vulnerable they are, so it s a worthwhile opportunity to talk to them

More information

A guide for injured workers. Introducing WorkSafe

A guide for injured workers. Introducing WorkSafe A guide for injured workers Introducing WorkSafe September July 2013 2011 Contents 1. About us 1 2. Weekly payments (income entitlements) 2 3. Services to help you get better 4 4. Getting back to work

More information

GROUP INCOME PROTECTION.

GROUP INCOME PROTECTION. GROUP PROTECTION GROUP INCOME PROTECTION. Helping you understand our policy. This is an important document which we suggest you keep in a safe place. GIP 11.2013 TECHNICAL GUIDE 2. USING THIS DOCUMENT

More information

Injury cover for self-employed people

Injury cover for self-employed people Working for business Injury cover for self-employed people ACC CoverPlus As soon as you start self-employment, ACC CoverPlus, our standard 24/7 no-fault personal injury cover automatically applies to you.

More information

This policy applies to job applicants, Bargaining Unit Staff, Management / Excluded Staff, Casual Staff and Contractors at Yukon College.

This policy applies to job applicants, Bargaining Unit Staff, Management / Excluded Staff, Casual Staff and Contractors at Yukon College. INTRODUCTION This policy applies to job applicants, Bargaining Unit Staff, Management / Excluded Staff, Casual Staff and Contractors at Yukon College. DUTY TO ACCOMMODATE: The Yukon Human Rights Act requires

More information

THE BENEFITS OF EARLY INTERVENTION OF MUSCULOSKELETAL INJURIES AT THE WORKPLACE

THE BENEFITS OF EARLY INTERVENTION OF MUSCULOSKELETAL INJURIES AT THE WORKPLACE THE BENEFITS OF EARLY INTERVENTION OF MUSCULOSKELETAL INJURIES AT THE WORKPLACE Lorraine Mischuk, O.T. Reg.(MB) C.W.C.E. Maximize Human Capabilities (MHC) What are the costs of Musculoskeletal (MSI) Injuries?

More information

Information about workers' compensation. Information for newcomers to Ontario

Information about workers' compensation. Information for newcomers to Ontario Information about workers' compensation Information for newcomers to Ontario What is the Workplace Safety and Insurance Board? The Workplace Safety and Insurance Board (WSIB) is Ontario's no-fault insurance

More information

TAC information for employers. Working together TAC Employer Incentive Package. Returning to work

TAC information for employers. Working together TAC Employer Incentive Package. Returning to work TAC information for employers Working together TAC Employer Incentive Package Returning to work A About the TAC The TAC is a Victorian Government-owned organisation whose role is to pay for treatment and

More information

Lifestyle Protection Insurance. Cover for your financial commitments and expenses in the event of the unexpected.

Lifestyle Protection Insurance. Cover for your financial commitments and expenses in the event of the unexpected. Lifestyle Protection Insurance Cover for your financial commitments and expenses in the event of the unexpected. About Lifestyle Protection Insurance Life doesn t always go according to plan. Redundancy,

More information

Knowing about your Low Back Pain

Knowing about your Low Back Pain Knowing about your Low Back Pain Knowing about low back pain Low back pain is very common with around 80-90% of adults having some sort of back pain in their lifetime. detail vertebra disc Although a specific

More information

Heart information. Cardiac rehabilitation

Heart information. Cardiac rehabilitation Heart information Cardiac rehabilitation Contents 2 What is cardiac rehabilitation? 3 What are the benefits of cardiac rehabilitation? 4 Who should take part in cardiac rehabilitation? 4 When does cardiac

More information

THE EMPLOYEE S ROLE: When an Employee is Injured on the Job. Human Resources Management Workers Compensation Program

THE EMPLOYEE S ROLE: When an Employee is Injured on the Job. Human Resources Management Workers Compensation Program THE EMPLOYEE S ROLE: When an Employee is Injured on the Job Human Resources Management Workers Compensation Program August 16, 2010 This guidebook gives an overview of the California workers compensation

More information

Injury Management. Making it Work. Injury Management Making it Work 1

Injury Management. Making it Work. Injury Management Making it Work 1 Injury Management Making it Work Injury Management Making it Work 1 Please note This information is for guidance only and is not to be taken as an expression of the law. It should be read in conjunction

More information

Though not a pleasant thought it's important to think about this: when you die, who will you leave behind?

Though not a pleasant thought it's important to think about this: when you die, who will you leave behind? Personal insurance There are many risks you face during your lifetime, but the most serious ones you will face are death, disability, serious illness and/ or medical intervention (surgery). These can happen

More information

Flexible Protection Plan. Protecting your lifestyle and family with one simple plan

Flexible Protection Plan. Protecting your lifestyle and family with one simple plan Flexible Protection Plan Protecting your lifestyle and family with one simple plan Contents Introduction Income Protection Life Protection Critical Illness Protection Protection with a heart Extra things

More information

Brain Injury Association National Help Line: 1-800-444-6443 Brain Injury Association Web site: www.biausa.org Centers for Disease Control and

Brain Injury Association National Help Line: 1-800-444-6443 Brain Injury Association Web site: www.biausa.org Centers for Disease Control and Brain Injury Association National Help Line: 1-800-444-6443 Brain Injury Association Web site: www.biausa.org Centers for Disease Control and Prevention Web site: www.cdc.gov/ncipc/tbi Contents About Brain

More information

DISABILITY INSURANCE. MetLife Income Guard. Flexible Income Protection that Works for You.

DISABILITY INSURANCE. MetLife Income Guard. Flexible Income Protection that Works for You. DISABILITY INSURANCE MetLife Income Guard SM Flexible Income Protection that Works for You. Most people prepare for important goals or events, like finding a new home, purchasing a car, taking a vacation

More information

RETURN-TO-WORK. Getting Started

RETURN-TO-WORK. Getting Started RETURN-TO-WORK Getting Started CONTENTS 1. RETURN-TO-WORK: AN INTRODUCTION 3. WHY YOU NEED A RETURN-TO-WORK PROGRAM 4. STEP 1: SELECT A RETURN-TO-WORK COORDINATOR 7. STEP 2: CREATE A RETURN-TO-WORK POLICY

More information

Long Term Disability Insurance An employee s guide to enrolling for Disability Insurance

Long Term Disability Insurance An employee s guide to enrolling for Disability Insurance Long Term Disability Insurance An employee s guide to enrolling for Disability Insurance Protect your income from the impact of a disabling illness or injury 26.02.314.1 (9/04) Income protection gives

More information

Questions to Ask My Doctor About My Cancer

Questions to Ask My Doctor About My Cancer Questions to Ask My Doctor Being told you have cancer can be scary and stressful. You probably have a lot of questions and concerns. Learning about the disease, how it s treated, and how this information

More information

Injury Management. Making it Work. Injury Management Making it Work 1

Injury Management. Making it Work. Injury Management Making it Work 1 Injury Management Making it Work Injury Management Making it Work 1 Please note This information is for guidance only and is not to be taken as an expression of the law. It should be read in conjunction

More information

Workers Compensation Optimal Claims Management

Workers Compensation Optimal Claims Management OVERALL OBJECTIVE - ECM seeks to provide a consultative relationship in which we work with our clients to influence and improve their Risk Management Process. Following are a few suggestions regarding

More information

How To Change Your Insurance To A Mine Safety Insurance Policy

How To Change Your Insurance To A Mine Safety Insurance Policy Member number: Important changes to your insurance Dear One of the benefits of your AUSCOAL

More information

THE SUPERVISOR S ROLE:

THE SUPERVISOR S ROLE: THE SUPERVISOR S ROLE: Workers Compensation Information for CSU, Los Angeles Supervisors Human Resources Management (HRM) Workers Compensation Program August 16, 2010 Table of Contents Introduction..3

More information

Caring for depression

Caring for depression Caring for depression Aetna Health Connections SM Disease Management Program Get information. Get help. Get better. 21.05.300.1 B (6/08) Get back to being you How this guide can help you Having an ongoing

More information

Help Protect Your Most Valuable Asset Your Income

Help Protect Your Most Valuable Asset Your Income Help Protect Your Most Valuable Asset Your Income NJEA Endorsed Disability Insurance Program For enrollments on and after October 1, 2012 The Prudential Insurance Company of America 02046-00002-00 Think

More information

Benefits and Services

Benefits and Services Benefits and Services a handbook for workers Workers Compensation Board of B.C. If you have difficulty reading English and have questions about your WorkSafeBC (Workers Compensation Board) claim, we will

More information

Getting help after someone dies from an injury

Getting help after someone dies from an injury Getting help after someone dies from an injury Getting help after someone dies from an injury If someone in your family dies from an injury, ACC may be able to help cover your financial needs. We understand

More information

Reporting. an Injury

Reporting. an Injury Reporting an Injury Important You have a right to make a WCB claim if you are hurt at work. It is illegal for your supervisor to ask you not to file a claim. If you get into trouble by reporting an injury

More information

Helping you to make a speedy recovery after a slipped disc operation

Helping you to make a speedy recovery after a slipped disc operation Helping you to make a speedy recovery after a slipped disc operation Discectomy Contents Who this leaflet is for 2 What to expect after the operation 3 Things that will help you recover more quickly 4

More information

DISABILITY insurance. MetLife Income Guard SM. Flexible Income Protection that Works for You.

DISABILITY insurance. MetLife Income Guard SM. Flexible Income Protection that Works for You. DISABILITY insurance MetLife Income Guard SM Flexible Income Protection that Works for You. Most people prepare for important goals or events, like finding a new home, purchasing a car, taking a vacation

More information

Attendance Management Guidance

Attendance Management Guidance Attendance Management Guidance As at 15 September 2009-1 - Contents Page 1. Policy statement 3 2. Purpose 3 3. Scope 4 4. Confidentiality 4 5. Preventing sickness absence 5 6. Roles 5 7. Occupational health

More information

Information for Workers. Information for Workers

Information for Workers. Information for Workers Information for Workers Information for Workers Revised March 2015 Contents Overview... 2 Workplace Injuries... 2 Worker Responsibilities... 2 Employer Responsibilities... 4 WCB Responsibilities... 4 Returning

More information

Employer s Handbook. Workers Compensation

Employer s Handbook. Workers Compensation Employer s Handbook Workers Compensation Workers Compensation 101 Table of Contents Contact Information. 3 What is Workers Compensation?... 4-5 What is your role?... 6-7 Workers Compensation Benefits 8-9

More information

Workers Compensation (WC)

Workers Compensation (WC) Workers Compensation (WC) A. WC: What It Is B. WC: Why You Need It C. WC: Who It Covers D. WC: What It Costs E. WC: Claims F. WC: Audits G. WC: How To Buy It H. WC: 10 Good Things To Ask About WC (A) What

More information

How To Get Paid For An Accident On The Job In South Carolina

How To Get Paid For An Accident On The Job In South Carolina SOUTH CAROLINA BAR Workers Compensation and the Law WORKERS COMPENSATION The South Carolina Workers Compensation Act provides a system for workers injured on the on the job to receive medical care and

More information

Rehabilitation assistance with Commlnsure. Income Protection

Rehabilitation assistance with Commlnsure. Income Protection Rehabilitation assistance with Commlnsure Income Protection 2 This advice has been prepared by CommInsure, a registered business name of The Colonial Mutual Life Assurance Society Limited ABN 12 004 021

More information

Life with MS: Mastering Your Career

Life with MS: Mastering Your Career Life with MS: Mastering Your Career Dear Friends, For many of us, working gives our lives a sense of purpose. Now that you have multiple sclerosis (MS), you may be asking yourself, Can I keep working?

More information

Employment and Support Allowance

Employment and Support Allowance Employment and Support Allowance Help if you are ill or disabled Contents 3 About Employment and Support Allowance 4 Who can get Employment and Support Allowance 6 What happens when I claim? 7 Helping

More information

INSURANCE KEY FEATURES OF: INCOME PROTECTION BENEFIT PLAN. This is an important document which you should keep in a safe place.

INSURANCE KEY FEATURES OF: INCOME PROTECTION BENEFIT PLAN. This is an important document which you should keep in a safe place. INSURANCE KEY FEATURES OF: INCOME PROTECTION BENEFIT PLAN This is an important document which you should keep in a safe place. 2 LEGAL & GENERAL PROTECTION PLANS KEY FEATURES USING THIS DOCUMENT. WHAT

More information

IEEE Financial Advantage Program Article for FYI Newsletter. If you become disabled and can t work, where will your money come from?

IEEE Financial Advantage Program Article for FYI Newsletter. If you become disabled and can t work, where will your money come from? Safeguarding Your Income If you become disabled and can t work, where will your money come from? You put a portion of every paycheck in savings. You keep on top of your monthly bills. You ve signed up

More information

Keeping up with mortgage repayments

Keeping up with mortgage repayments Keeping up with mortgage repayments This information is an extract from the booklet Housing costs, which is part of our Financial guidance series. You may find the full booklet helpful. We can send you

More information

SAFETY GUIDANCE MATERIAL

SAFETY GUIDANCE MATERIAL SAFETY GUIDANCE MATERIAL SAFETY MANAGEMENT MONDAY MARCH 23,GUIDANCE 2015 This safety resource was written for the scrap industry by the scrap industry and was developed to assist you in making your scrap

More information

Chapter 5. Temporary Disability Benefits

Chapter 5. Temporary Disability Benefits What are temporary disability benefits? If your injury prevents you from doing your usual job while recovering, you may be eligible for temporary disability (TD) benefits. TD benefits are payments you

More information

We are working more closely with people to improve health and social care services in Leeds. What does this mean for you?

We are working more closely with people to improve health and social care services in Leeds. What does this mean for you? We are working more closely with people to improve health and social care services in Leeds. What does this mean for you? GPs, health workers, hospital and social care staff are working together more closely

More information

Thank you for choosing CNA

Thank you for choosing CNA Thank you for choosing CNA As every employer knows, workers compensation is a significant cost of doing business, not only in actual dollars, but in lost work days and reduced productivity. In order to

More information

Working for business. Workplace Safety Discount Application With employees

Working for business. Workplace Safety Discount Application With employees Working for business Workplace Safety Discount Application With employees What is the Workplace Safety Discount? Workplace Safety Discount provides a framework for building successful and sustainable workplace

More information

InformatIon for Workers

InformatIon for Workers InformatIon for Workers InformatIon for Workers Employers, workers, care providers and the WCB must work together to prevent work injuries and, when injuries happen, get injured workers back to work as

More information

KEEPING YOUR BUSINESS ON COURSE. Helping you protect your business. Protection Business Menu

KEEPING YOUR BUSINESS ON COURSE. Helping you protect your business. Protection Business Menu KEEPING YOUR BUSINESS ON COURSE Helping you protect your business Protection Business Menu WHAT S INSIDE As a business owner you know what you need to make your business a success. Suitable premises, machinery

More information

Helping you to make a speedy recovery after a total knee replacement

Helping you to make a speedy recovery after a total knee replacement Helping you to make a speedy recovery after a total knee replacement Total knee replacement Contents Who this leaflet is for 2 What to expect after the operation 3 Things that will help you recover more

More information

Accidents at Work. Personal Legal Services

Accidents at Work. Personal Legal Services Accidents at Work Personal Legal Services This information relates to the law and procedures in England and Wales. Please contact us if you need advice about the law and procedure in other legal jurisdictions.

More information

Top 10 Return-to-Work Myths -- and the Realities Behind Them*

Top 10 Return-to-Work Myths -- and the Realities Behind Them* Top 10 Return-to-Work Myths -- and the Realities Behind Them* Debunking return-to-work myths is the first step in reducing the impact of lost time and eventually effecting positive change in your organization.

More information

Using a lawyer as you get older: Ten top tips

Using a lawyer as you get older: Ten top tips Using a lawyer as you get older: Ten top tips www.legalombudsman.org.uk The information in this leaflet is useful for anyone who is considering using a lawyer but it may be particularly useful for people

More information

Managing your debt. How to repay your debt and stay out of debt in the future

Managing your debt. How to repay your debt and stay out of debt in the future Managing your debt How to repay your debt and stay out of debt in the future ALLA0022 APRIL 2007 Repaying your debt If you re on income support we usually take a set amount out of your payments every pay

More information

STAY ON TOP OF EVERYTHING. A Guide to Executive Income Protection for Key Employees/Owner Directors

STAY ON TOP OF EVERYTHING. A Guide to Executive Income Protection for Key Employees/Owner Directors STAY ON TOP OF EVERYTHING A Guide to Executive Income Protection for Key Employees/Owner Directors Executive Income Protection for Key Employees/Owner Directors Introducing ROYAL LONDON Ever since we started

More information

Work and cancer financial issues

Work and cancer financial issues Work and cancer financial issues This information is an extract from the booklet, Work and cancer. You may find the full booklet helpful. We can send you a copy free see page 7. Contents Taking time off

More information

Rehabilitation and Return to Work Policy. Overview. Purpose. Scope. Policy

Rehabilitation and Return to Work Policy. Overview. Purpose. Scope. Policy Rehabilitation and Return to Work Policy Overview At NBN Co we are safe, disciplined and reliable. We act on our responsibilities to identify and remove potential and recognised risk to a healthy and safe

More information