-oXo- Posted May 12, 2012 Report Share Posted May 12, 2012 I thought all employers were required to have insurance? If you've been injured at work doing your job then that isn't a claim of 'illness'- its an accident. If you cannot work following that accident then your employer should be able to claim on his public liability(i think?)insurance. Theres a big difference between "I've got a bad tummy can't be ***** coming in and can skive it on a self cert for a few days" to "my arm has been injured at work due to something not within my control and I can no longer do my job". Your employer is responsible for your wellbeing during your working time and as long as you haven't been a **** and arsing about they have a duty to look after you subsequently. I hate the ambulance chasing culture we have become but it sounds like you have a legimtimate claim against your employer, and he against whoever else may have been involved. That'll be employers' liability compulsory insurance (ELCI). This protects your business against claims from employees for accidents or sickness they may suffer as a result of working for you. Also if you have a business involved in law, accountancy and financial services you are also legally required to take out professional indemnity insurance I believe. Quote Link to comment Share on other sites More sharing options...
artschool Posted May 12, 2012 Report Share Posted May 12, 2012 That'll be employers' liability compulsory insurance (ELCI). This protects your business against claims from employees for accidents or sickness they may suffer as a result of working for you. Also if you have a business involved in law, accountancy and financial services you are also legally required to take out professional indemnity insurance I believe. what would professional indemnity insurance have to do with an injury at work? Quote Link to comment Share on other sites More sharing options...
shaun4860 Posted May 12, 2012 Report Share Posted May 12, 2012 what would professional indemnity insurance have to do with an injury at work? I would imagine its to cover them if they get sued for something. Quote Link to comment Share on other sites More sharing options...
-oXo- Posted May 12, 2012 Report Share Posted May 12, 2012 (edited) what would professional indemnity insurance have to do with an injury at work? He said about compulsory insurance and I just followed on from what I started to say and mentioned that it was a compulsory insurance. I didn't say it had anything to do with his particular predicament. Sorry for rattling your cage. I shall go back to sitting in the corner and be quiet. :unsure: Edited May 12, 2012 by -oXo- Quote Link to comment Share on other sites More sharing options...
artschool Posted May 12, 2012 Report Share Posted May 12, 2012 (edited) He said about compulsory insurance and I just followed on from what I started to say and mentioned that it was a compulsory insurance. I didn't say it had anything to do with his particular predicament. Sorry for rattling your cage. I shall go back to sitting in the corner and be quiet. :unsure: I wasn't having a pop. I am just a bit tired of people saying, oh everything has to be insured blah blah blah everyone else is responsible blah blah blah. credit to poontang for not going down that route( unless his employer is at fault). life is full of risk and accidents happen. I once broke my writing arm ,both radius and ulna, before a set of exams. I had to dictate all of the papers, including one in a foreign language which I had to spell! I just hope that poontangs arm gets better soon Edited May 12, 2012 by artschool Quote Link to comment Share on other sites More sharing options...
gemini52 Posted May 12, 2012 Report Share Posted May 12, 2012 I had a op on my hand last september,had ten weeks on the sick and received the grand total of sixty seven quid a week,this was because i had been self employed in the last two years,and the icing on the cake was i got a threating letter of the dept for work and pensions saying they had over paid me eighty seven quid and would initiate legal procedings to recover the money,needless to say could not be doing with the hassel,so sent them a cheque,hope they choked on it :yp: Quote Link to comment Share on other sites More sharing options...
Mrs Sweepy Posted May 12, 2012 Report Share Posted May 12, 2012 Hope it all go well for you next week. xxxxSuzy Quote Link to comment Share on other sites More sharing options...
deejay Posted May 13, 2012 Report Share Posted May 13, 2012 Thanks for that :o :lol: You're right though, I knew it was serious the second it happened. The tendon tore away from the bone, and the immediate pain was on another level. It actually made me feel physically sick. It still smarts a bit now, over a week later. The consultant explained the op to me when I saw him on Wednesday. They're going to drill into the bone and re-attach the tendon with screws. He did say it would be 'sore' for a while!! :blink: The pain is just unbearable , I have have a few cuts and bruises but nothing was like that pain . As like you I was physically sick with the pain and the call out doc had to give me a tablet to stop me being sick before giving me a dose of morphine in the capsule. And by the sound of it , yours seems like its going to be a bit worse than what I had done (mine was cut through and it was just a case of stitching back together) Drilling into the bone .......Sorry but OUCH . With regards to taking your employer to court , well was it an accident that he could of avoided and if so then how much do you like your job. Hope you get well soon Daz Quote Link to comment Share on other sites More sharing options...
Devon Fox Posted May 13, 2012 Report Share Posted May 13, 2012 (edited) I cant say what your entitled too but what I can say is , your gonna be in for a lot of pain . I cut through my tendon on my thumb and had to have it sewn back together.Ater a lot of pulling and tugging at the tendon and it snapping once again he finaly had me put right after about an hour. The hospital give me some painkillers and sent me home , 2am that morning I was up being sick with the pain after the initial pain killers had worn off . The prescribed pain killers did nothing and so had to cal out the doc , who give me a shot of morphine and a prescription for oramorph. Never felt pain like it . But the oramorph worked a treat and it made me realise why people end up as addicts . I used what I had to and poured the rest down the drain. Daz I did the same to my finger a few months back with a leatherman, nasty. I hope you make a speedy return - sounds like Munglers contact is the way forward. I know what you mean about loyalty to your boss/business, if I was happy at work I wouldn't want to upset the cart, hopefully you can talk it through and come to some sort of agreement Edited May 13, 2012 by Devon Fox Quote Link to comment Share on other sites More sharing options...
dully1963 Posted May 13, 2012 Report Share Posted May 13, 2012 Hi Phone the HSE After 3 days they will be already getting ready in investigate your accident because it will be logged as a lost time accident ,and if it was while you were doing a normal working practice you should have no problem with a claim.(but claims do take a bit of time to settle) hope this helps and hope you recover soon :good: Evening gents, I had an accident at work last Friday, which resulted in my biceps tendon 'snapping'. I was taken to A&E and x-rayed, then told to come back Wednesday to see the consultant. Long story short, I'm booked in to have an operation next Tuesday, and if all goes well I should be out within a day. So far, so good. But I have a big problem. I've been told that I probably won't be able to work for a minimum of 3 months after the operation, and my company have no sickness/injury scheme in place. All they're paying me is SSP, about £85 a week I think. Has anyone been in a similar situation? Any idea what I might be entitled to in benefits? I've been trying to get through to my local job centre this afternoon, was on hold for nearly 2 hours before giving up!! Any help much appreciated. Quote Link to comment Share on other sites More sharing options...
flyshooter Posted May 13, 2012 Report Share Posted May 13, 2012 (edited) what would professional indemnity insurance have to do with an injury at work? Employers are bound by law to have proffesional and public liability insurance in place, and, at least in the case of say, a shop, have the certificate on show to the public. The employer must keep each years insurance record for seven years. The latter insurance would cover employee injury if not the employee's fault. Should you make a claim it would be between your employer's insurance company and the solicitor working for the employee, although employer and employee would not face each other on the latter, it obviously would cause a bit of an atmosphere. Insurance companies try to keep costs down by offering a certain amount straight away, but usualy the solicitor will argue for a larger sum if the employee is in no rush for a settlement. The bottom line is, who's fault was it, and is the firm large enough to keep a distance from the gov'na, after the dust has settled. Very best of luck P, Gel. P.S. "A quality Solicitor" gives the first half hour's consultation free, there are at least two of these in Colchester. Edited May 13, 2012 by flyshooter Quote Link to comment Share on other sites More sharing options...
artschool Posted May 13, 2012 Report Share Posted May 13, 2012 Employers are bound by law to have proffesional and public liability insurance in place, and, at least in the case of say, a shop, have the certificate on show to the public. The employer must keep each years insurance record for seven years. The latter insurance would cover employee injury if not the employee's fault. Should you make a claim it would be between your employer's insurance company and the solicitor working for the employee, although employer and employee would not face each other on the latter, it obviously would cause a bit of an atmosphere. Insurance companies try to keep costs down by offering a certain amount straight away, but usualy the solicitor will argue for a larger sum if the employee is in no rush for a settlement. The bottom line is, who's fault was it, and is the firm large enough to keep a distance from the gov'na, after the dust has settled. Very best of luck P, Gel. P.S. "A quality Solicitor" gives the first half hour's consultation free, there are at least two of these in Colchester. professional indemnity insurance has nothing to do with the above. Quote Link to comment Share on other sites More sharing options...
flyshooter Posted May 13, 2012 Report Share Posted May 13, 2012 professional indemnity insurance has nothing to do with the above. No matter, above would cover employee accident. Quote Link to comment Share on other sites More sharing options...
-oXo- Posted May 13, 2012 Report Share Posted May 13, 2012 professional indemnity insurance has nothing to do with the above. I am probably wrong but I believe it is for people like solicitors or anyone that sells their knowledge. If they give you bad advice basically it covers them. Nothing to do with an injury claim though. Quote Link to comment Share on other sites More sharing options...
artschool Posted May 13, 2012 Report Share Posted May 13, 2012 No matter, above would cover employee accident. actually mate it does matter because if you don't know the difference between PII and public liability insurance then you probably shouldnt be giving out advice Quote Link to comment Share on other sites More sharing options...
flyshooter Posted May 13, 2012 Report Share Posted May 13, 2012 actually mate it does matter because if you don't know the difference between PII and public liability insurance then you probably shouldnt be giving out advice Sorry if I gave the wrong impression, what I posted is law in my neck of the woods, it was not intended to be a challenge to your post. I know nothing of D.S.S.claims, never having made one which I think P. is more concerned about. weekly help more than a big settlement. My post was not advice, just law. As far as PII, is concerned, you are dead right, I know nothing about it. Quote Link to comment Share on other sites More sharing options...
Guest Mr Pieman Posted May 14, 2012 Report Share Posted May 14, 2012 Poontang, Can I ask what you were actually doing when your tendon broke?? If it involved manual handling, how heavy was the load you were lifting? Get well soon, Mr P Quote Link to comment Share on other sites More sharing options...
ME Posted May 14, 2012 Report Share Posted May 14, 2012 Poontang, Can I ask what you were actually doing when your tendon broke?? He was "knocking one out" in the bogs Quote Link to comment Share on other sites More sharing options...
poontang Posted May 14, 2012 Author Report Share Posted May 14, 2012 Poontang, Can I ask what you were actually doing when your tendon broke?? If it involved manual handling, how heavy was the load you were lifting? Get well soon, Mr P It's one of those things that's hard to put into words, but easy to show someone. However, I'll give it a go. I'd been spraying some MDF units for a walk-in wardrobe. The large units were approx. 600mm square and 2m high. I think there were 6 of them. There were also 6 smaller units about 600mm square and 600mm high. In the morning I primed all the units and top boxes. When each unit was primed I moved it to the back of the paint shop to dry. The bigger units were moved on a sack barrow, and the smaller ones by hand. After lunch I rubbed down the primer and started top coating. I started with one of the smaller units (weight approx. 10-15kg). When I'd finished spraying the unit I picked it up in exactly the same way I had done previously all morning when priming. One hand over the top, and one hand underneath. As I turned to take it to the back of the shop for drying, my left foot knocked against a 'hop up' I used to reach the top of the larger units.(I didn't see it as the unit I was holding was blocking my view of the floor). When I felt the box I did a very slight 'sidestep' to avoid tripping over it. I shifted my weight slightly to my right, which was enough to avoid full contact with 'hop up' but at the same time I readjusted my hold on the unit I was carrying and that's what overextended the tendon, and it snapped. Told you it was hard to explain. :blink: Quote Link to comment Share on other sites More sharing options...
ME Posted May 14, 2012 Report Share Posted May 14, 2012 It's one of those things that's hard to put into words, but easy to show someone. However, I'll give it a go. I'd been spraying some MDF units for a walk-in wardrobe. The large units were approx. 600mm square and 2m high. I think there were 6 of them. There were also 6 smaller units about 600mm square and 600mm high. In the morning I primed all the units and top boxes. When each unit was primed I moved it to the back of the paint shop to dry. The bigger units were moved on a sack barrow, and the smaller ones by hand. After lunch I rubbed down the primer and started top coating. I started with one of the smaller units (weight approx. 10-15kg). When I'd finished spraying the unit I picked it up in exactly the same way I had done previously all morning when priming. One hand over the top, and one hand underneath. As I turned to take it to the back of the shop for drying, my left foot knocked against a 'hop up' I used to reach the top of the larger units.(I didn't see it as the unit I was holding was blocking my view of the floor). When I felt the box I did a very slight 'sidestep' to avoid tripping over it. I shifted my weight slightly to my right, which was enough to avoid full contact with 'hop up' but at the same time I readjusted my hold on the unit I was carrying and that's what overextended the tendon, and it snapped. Told you it was hard to explain. :blink: I preferred my story Quote Link to comment Share on other sites More sharing options...
poontang Posted May 14, 2012 Author Report Share Posted May 14, 2012 (edited) I preferred my story I've just seen it. If only it were true. I've got my op tomorrow. All the pretty nurses will be told I did it whilst saving a young child from a rabid dog. :yp: Any munters will be told I was indeed knocking one out in the bog. Edited May 14, 2012 by poontang Quote Link to comment Share on other sites More sharing options...
ME Posted May 14, 2012 Report Share Posted May 14, 2012 (edited) I've just seen it. If only it were true. I've got my op tomorrow. All the pretty nurses will be told I did it whilst saving a young child from a rabid dog. :yp: Any munters will be told I was indeed knocking one out in the bog. Pretty nurses? Start rehearsing the "stunt tug" story... I take it you aren't in Basildon hospital, so you are safe from a certain nurse Good luck tomorrow old boy. I checked with Andy and he is available for bottom wiping duties on Mondays, Tuesdays and Sundays Edited May 14, 2012 by ME Quote Link to comment Share on other sites More sharing options...
shaun4860 Posted May 14, 2012 Report Share Posted May 14, 2012 (edited) Good luck Jerry, hope it works out well. Matt is available for bottom wiping duties on Wed/Thurs/Fri/Sat. And will supply a silk glove for the "other" thing Edited May 14, 2012 by shaun4860 Quote Link to comment Share on other sites More sharing options...
poontang Posted May 14, 2012 Author Report Share Posted May 14, 2012 Good luck tomorrow old boy. I checked with Andy and he is available for bottom wiping duties on Mondays, Tuesdays and Sundays Matt is available for bottom wiping duties on Wed/Thurs/Fri/Sat. Cheers chaps. Well at least I can rest easy knowing my bodily functions are catered for. Now, if you can just arrange a dumb busty blonde to take care of my 'other needs' that would be much appreciated. Quote Link to comment Share on other sites More sharing options...
flyshooter Posted May 14, 2012 Report Share Posted May 14, 2012 Cheers chaps. Well at least I can rest easy knowing my bodily functions are catered for. Now, if you can just arrange a dumb busty blonde to take care of my 'other needs' that would be much appreciated. Hope all goes well P. Quote Link to comment Share on other sites More sharing options...
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