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  1. #1
    Join Date
    Oct 2018
    Posts
    1

    Default Aetna Short Term Disability As an Offset to Workers Comp

    My workers compensation claim was made in the State of: Ky My employer sent me a letter stating that I should take advantage of short term disability while on workmanís comp. They state that it offsets my pay. I am leary about doing this. I donít know why you employer would try to help me, unless it benefits my employer in some way. Please advise.

  2. #2
    Join Date
    Oct 1971
    Posts
    4,941

    Default Re: Aetna Short Term Disability As an Offset to Workers Comp

    My employer sent me a letter stating that I should take advantage of short term disability while on workman’s comp. They state that it offsets my pay
    Short Term Disability insurance is voluntary, it covers illnesses and "off-the-job accidents" It's paid for by you, it's your personal insurance policy.
    Workers Compensation is required by law, it assumes and protects the employer from the liability of work related injuries, it's paid for by your employer.
    Your Short Term Disability insurance policy isn't about to assume the liability of that employer, the idea is laughable.

    Anymore of this non-sensical talk or at the first sign of problems, consult and retain a lawyer.

    Income Protection Alternatives
    Kentucky laws require employers to have workers compensation insurance in place for all employees. Workers compensation replaces a portion of income when the worker becomes disabled from an on the job accident. It does not cover general illnesses, or off the job accidents. Short-term disability covers general illnesses, and off-the-job accidents, and must be purchased by the employee.
    https://www.growingfamilybenefits.co...sability-laws/

    Tony
    Last edited by tony; 10-07-2018 at 03:09 PM.
    Moderator Responses are based on my personal bias, experience and research - They do not represent the views of the admin nor may be accepted in the legal community, always consult an attorney.

  3. #3
    Join Date
    Feb 2007
    Location
    831 East Morehead St., Ste 355, Charlotte, NC 28202
    Posts
    3,744

    Default Re: Aetna Short Term Disability As an Offset to Workers Comp

    I have never seen an employer provided disability insurance policy that will pay the employee while the employee is drawing workers' compensation wage loss benefits. I suspect the employer has misinformed you, unless your case has been denied, in which case you might be able to get the STD benefits.
    The North Carolina Court of Appeals has held that "In contested Workers' Compensation cases today, access to competent legal counsel is a virtual necessity." Church v. Baxter Travenol Labs, Inc., and American Motorists Insurance Company, 104 N.C. App. 411, 416 (1991).

    Bob Bollinger, Attorney and Board Certified Specialist in NC Workers' Compensation Law

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