Disability Insurance Questions

Banshee · 07-31-2009, 01:28 AM

For the first time in 30 some years of playing hard, I was injured and broke my wrist off duty. Department will not let me back to work, dragging ass while left cutting through red tape. Both my orthopaedist and department doc cleared me to wwork though. Funny thing is 4 months ago, broke pinky on same hand while on duty and dept. put me on restricted (light duty). This injury occured while playing for the department softball team.

Question is...Is there a decent, respectable insurance company that covers off the job injuries AND if you DO NOT use it, you get a major portion back? I can not see spending $50 a month as a pseudo investment for 10-15 or 20 years and not having anything to show for it.

I have plenty of sick time I am burning right now and a vacation starting the 6th, and can not recover the 120 hours I will burn.

Just a query as I have never delved into anything of this nature.

Thanks!

Vash · 07-31-2009, 01:33 AM

The only time you can get money back outside a claim is for traditional chartered life insurance, like "a piece of the rock" remember all the old commercials for Prudential? And that's only really for retirement age.

07-31-2009, 01:28 AM	#1
Banshee Institutionally Insane Drives: 2013 IOM 2SS/RS 1LE Join Date: Feb 2009 Location: Detroit MI Posts: 2,115 View My Garage	Disability Insurance Questions For the first time in 30 some years of playing hard, I was injured and broke my wrist off duty. Department will not let me back to work, dragging ass while left cutting through red tape. Both my orthopaedist and department doc cleared me to wwork though. Funny thing is 4 months ago, broke pinky on same hand while on duty and dept. put me on restricted (light duty). This injury occured while playing for the department softball team. Question is...Is there a decent, respectable insurance company that covers off the job injuries AND if you DO NOT use it, you get a major portion back? I can not see spending $50 a month as a pseudo investment for 10-15 or 20 years and not having anything to show for it. I have plenty of sick time I am burning right now and a vacation starting the 6th, and can not recover the 120 hours I will burn. Just a query as I have never delved into anything of this nature. Thanks! __________________ It's got a cop motor, a 440 cubic inch plant, it's got cop tires, cop suspension, cop shocks. It's a model made before catalytic converters so it'll run good on regular gas. What do you say, is it the new Bluesmobile or what?

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07-31-2009, 01:33 AM	#2
Vash Drives: 00 Blazer Join Date: Aug 2008 Location: Texas Posts: 5,100	The only time you can get money back outside a claim is for traditional chartered life insurance, like "a piece of the rock" remember all the old commercials for Prudential? And that's only really for retirement age.