AllPoint
Click Here
ApplicationsCalculatorsAbout UsRatesMembershipInsuranceFAQ'sHome
Site Search:       Sunday, October 29, 2006
Savings Accounts
Regular Share
RSVIP
Holiday Savings
HEWEY Shares
CU Succeed
Silver Share Certificates
ATM Card
Star Program
Seminars
Money Savvy Articles
Retirement Articles
Account Agreement Disclosure


How to Keep Your Job When You Become Ill



Many employees would say that, even under the best of circumstances, showing up on time every day and giving 110% to a job can be a challenge. For employees living with chronic illnesses such as multiple sclerosis, persistent back pain, HIV, arthritis, diabetes, chronic fatigue syndrome, and cancer, the average workday is made even more difficult by the demands of managing their condition.

According to the Partnership for Solutions, an initiative to improve the quality of life for those who live with chronic illness, 41% of working-age adults (20 to 65 years) have at least one chronic condition, which the Partnership defines as a medical problem that lasts a year or longer, limits what a person can do, and requires ongoing care. With that number predicted to grow, employees who need--or want--to work have to wonder: If I were diagnosed with a chronic illness, how would I hang on to my job?

The law is on your side

That's exactly what Margaret, a marketing assistant for a 75-employee accounting firm in Newark, N.J., asked herself when she was diagnosed with cancer about three years ago. As a single mother, she feared the worst. Anxiety turned to relief when Margaret learned about the various laws and benefits that, together, would help her keep her job while receiving treatments over the course of the coming year.

Consider taking out a credit union home equity line of credit so you can draw on it, if you need to, for medical expenses.

First, the federal Americans with Disabilities Act (ADA) requires employers with 15 or more employees to make a "reasonable accommodation" for a disabled worker as long as it does not present an "undue hardship" to the company and the employee can perform the job's essential functions. Reasonable accommodation can cover everything from allowing an employee time off for medical appointments and providing a private room where one can inject medication to scheduling more frequent breaks during the day or arranging for work to be done at home. Not all people and all conditions will be protected by the ADA. The Equal Employment Opportunity Commission can provide more details.

Under the Family and Medical Leave Act (FMLA), companies with 50 or more workers must provide eligible employees up to 12 weeks of unpaid leave during any 12-month period to deal with the birth or adoption of a child, their own illness, or that of a family member (child, spouse, or parents) without fear of losing their job or medical insurance.

Approximately 41% of working-age adults have at least one chronic condition.

In addition to protection under the ADA and FMLA, workers may have rights and benefits under state and local family leave laws. A few states even offer temporary disability insurance. Visit your state's labor office Web site for information.

Individual employers may offer such benefits as short-term or long-term disability coverage, paid time off, or flexible working arrangements.

In Margaret's case, FMLA allowed her the extended time off she needed to deal with her illness at its most critical point. While she was on unpaid leave, she continued to receive some income in the form of New Jersey state temporary disability insurance payments. After returning to work, Margaret was allowed to work from home two days per week, giving her the opportunity to replace a long commute with some extra rest on those days. After a full recovery--and a victory celebration with friends, family, and co-workers--Margaret returned to the office full time.

Should you reveal your illness?

To tell or not to tell: That is the question for employees weighing the pros and cons of disclosing their illness to their employer and co-workers. On the one hand, you may fear that disclosing a chronic illness will be bad for your career, assuming that your employer will favor healthy workers over ill ones when it comes to promotions and other recognition. You also may be concerned that co-workers and supervisors will, accurately or not, perceive you as less able to do your job well, or may pity you.

You may fear that disclosing a chronic illness will be bad for your career.

On the other hand, by not disclosing your illness you lose out on any protection, accommodation, and time off provided under the ADA and FMLA. And co-workers left in the dark about your condition may resent being asked to pick up extra work during your unexplained absences.

"[Whether or not employees should disclose an illness] will really depend upon their work environment," says Rebecca Hastings, manager of the Society for Human Resource Management information center, Alexandria, Va., which answers around 400 questions a day on workplace issues. "Some cultures encourage close employee relationships--and in such an environment someone would probably feel very comfortable being open about [his or her] situation. In others, however, [employees] may feel they need to really watch what they say and do."

By not disclosing your illness you lose out on any protection under the law.

Thinking back to a job she held years ago, Hastings recalls a co-worker who began having mild epileptic seizures at work and eventually disclosed her illness to co-workers and filled them in on what to expect.

"By educating those around her, she alleviated fears and provided guidance on what to do if [she has a seizure]," recalled Hastings. "That choice worked well for her at the time given the work environment we were in. But that may not be the best choice for everyone."

In her article titled "7 Habits for Regaining Power in the Workplace with Chronic Illness," Rosalind Joffe, who as founder of Boston-based CIcoach.com, coaches people with chronic illnesses on how to survive and thrive in the workplace, encourages chronically ill workers to "come out of the closet." Joffe, who herself has lived and worked with chronic illness for 25 years, advises being "as public as you need to be and as private as you want to be."

If you do decide to tell, experts recommend approaching the conversation with your boss with as much professionalism as you would bring to any work-related discussion: Wait until you know what kind of accommodation you will need (time off, more frequent breaks, permission to work at home, a more ergonomic work station, and so forth) so that you can talk specifics.

"[Be] as public as you need to be and as private as you want to be."
Present solutions that show your employer you have considered the challenges and have put serious thought into the most effective ways to maintain the quality of your work, cover your absences, make up any missed work, interact with co-workers, and avoid disruption to routine as much as possible. If possible, depending on the type of illness you have and how long you've had it, reassure your supervisor with specific things you are doing to control your symptoms and examples of how you've successfully managed your condition in the past.

Making it work

According to Hastings, the best organizations will have well-developed human resource functions and will consider employees valuable assets that they want to keep happy and productive for as long as possible under all circumstances.

Nevertheless, even an exceptionally supportive supervisor will face some challenges in trying to balance the needs of a sick employee with those of the company and co-workers. There are things you can do to help make the adjustment go more smoothly for everyone:

It's very possible for ill employees to succeed in the workplace.

Do your best to schedule absences in advance. Have a project or two with you that you can work on even when you can't make it to the office. Recognize co-workers who step in for you in an emergency. Learn how to manage your symptoms and reduce aches and pains to a level where you can make it through the average workday. Request accommodation that will allow you to perform better. Update your supervisor as your condition and needs change. Make the most of your strengths and talents. Know your rights and benefits. Provide required forms and follow personnel procedures.

There was a time when the diagnosis of a chronic illness would mean an end to full-time employment. Thanks to improved medicines and treatments as well as supportive laws and a more enlightened attitude, it's very possible for employees with long-term ailments to adapt and succeed in the workplace. Examine your situation and, if your goal is to keep your job, create a plan that will allow you to do just that.

As Joffe points out in her article, you may not be able to control the course of your illness, but you can control the direction you take and the choices you make regarding that illness in the workplace.




Collaborative Divorce Softens Sting of Split

Courtesy Pay Abusers Pay the Price

Watch for Disclosure Signs at Checkout

Wealth-Building Strategies That Anyone Can Master

Financial Elderly Abuse: Do You Know the Signs?

Before You Stop Automated Payments

Budget for Your Pet's Life-Long Care

Make a Will to Have the Last Word

Take Time to Pick a Computer for College

Disaster-Proof Your Important Papers

Debit Card Debate: Check-Out Line Dilemma Reveals Real Differences

Who Pays for Hospice Care?

The Down-Payment Debate: Can You Afford No or Low Down Payments?

Grandparents Pitch in With Financial Help

Introducing the Roth 401(k)--A New Workplace Savings Opportunity

Future Grads: Consolidate Loans Before Summer

Credit/Debit Cards, Checking Accounts, Teach Teenagers to Handle Money

Pension Participants: Expand Retirement Savings for Future Security

Ten Resolutions to Trim Spending and Reduce Financial Stress

Preparation Softens Blow of Alternative Minimum Tax

A Long, Cold Winter? Simple Energy Projects Can Save You a Bundle

Health-Care Flex-Spending Accounts Get More Flexible

Protect Your Assets With a Trust Agreement

"Remarried, With Children" Brings Special Financial Challenges

Fast Fact: Advance Directive Q & A

Upping the Ante: Stakes Are High for Young Adults Playing Poker

Suddenly Solo--Life After Losing a Mate

What Bankruptcy Reform Means to You

Choose the Right Cell Phone for You

Online Banking Makes Money Management Simple and Safe

Desktop or Laptop--What's Right for You?

How to Keep Your Job When You Become Ill

Shalt Thou Buy? See If a DVR (Digital Video Recorder) Is Right for You

Back to School: Plan Your Budget

Savvy Shoppers Know "Minimum Advertised Price" Isn't Always the Bottom Line

Health Savings Accounts:
First Aid for Health-Care Bills?


Back to the 1970s? Inflation Outlook

Prenups Clarify "Yours, Mine, and Ours"

Design an IRA Strategy That's Right for You

Personal Property Appraisers Distinguish Between Trash and Treasure

Preventive Health Care: An Ounce of Prevention

Is Your TV Set to Go Digital?

Birth of a Consumer: How to Teach Your Preschooler About Money

Trusts: Securing the Financial Future for Special Needs Adults

Farmers and Consumers Connect Through Community Supported Agriculture

High Cost of Health Care Robbing Retirement

Going Solo With Health Insurance

Tax Time: Early Birds Catch a Breather

Tsunami Relief: Be an Informed Donor

Now's the Time to Max Out Flex Spending

We Love Our Debit Cards

Gift Cards Keep Giving--But Not Always to You

Type by Talking--The Scoop on Voice Recognition Software

Check 21 Speeds Checking, Sinks Your Float

Use Direct Deposit and Automatic Transfers to Simplify Finances

Making Financial Room for Baby

Teaching Young Children About Money

Staying Safe at the Cash Machine

Disaster-Proof Your Important Papers

Launch of New Home & Family Finance Radio Initiative

Tips for choosing benefits during open enrollment

Middle class families in financial bind

Disaster preparedness: Tips for keeping cash on hand

Preparation means peace of mind

Some habits save hundreds on energy bill

CUNA launches weekly consumer finance radio show

Weave money lessons into daily routine

September is national preparedness month

Online banking: Know the answers or get locked out

Who will manage your assets when you can't?

Use back-to-school shopping as teachable moment

Be proactive in curbing health care costs

Financial notebook provides road map, peace of mind

Tips for using plastic overseas

Sales tax holiday catches on

Consumers fork out $16 billion for extended warranties

Keep a lid on summer cooling costs

More than $60 billion just waiting to be claimed

Credit counseling--via phone or face-to-face--helps debtors

Majority of Gen X women in debt, lack investments

Keep a lid on summer energy costs

Government website offers free 'My Money' tool kit

Can't find that file? Try these simple alternatives

Using online bill-pay helps prevent ID theft

Good debt/bad debt 101

Tips for merging money with your mate

Consumer website calculates cost of payday loans

It's Financial Literacy Month: Can you pass the test?

Money and marriage: Talk to ease the tension

Five financial tips for college grads

Prepaid options critical, but costly, for unbanked consumers

Survey        Privacy Policy/Disclosures        Site Map         Contact Us       Home

© 2004 HEW Federal Credit Union. All rights reserved.
HEW Federal Credit Union is federally insured by the National Credit Union Administration.

Designed & Powered by Cambium Group, LLC