by Marc Phillippe Babineau

Created on: March 20, 2008   Last Updated: July 20, 2008

Disabled workers mostly do need government assistance to get employed. Many companies are afraid to hire disabled people, as they are likely to claim for a long-term disability pension. First, there would have to be a classification of degrees of disability for any government intervention, as the main culprit of disabled peoples not working is the Insurance Industry. There are different levels of disability, and that would have to be taken into account. As well, geographical Locations are factors as well, since in Canada, if a company hires a disabled worker, then they have to give them the same benefits and coverages that they give everyone else in their employ; meaning, after 2 years, or whatever is in the contract, has gone by, then the Disabled Person would be able to apply for Long Term Disability Benefits, and receive approximately 85% of their pre-taxed salary, tax-free.

Believe me, I am living it now, and have been for over 11 years now. My problem is different from many; I am a chronic pain sufferer, and am heavily and constantly medicated for pain management; the brain just doesn't know when to say enough is enough, and needs a little push. Understandably, not too many companies are interested in hiring someone who is constantly under the influence of strong narcotics. The insurance industry, upon seeing the medical information for the potential "hiree", will tell the company how much their Insurance for that employee would be. Upon seeing what this heavily back-ended and extremely costly liability insurance package and indemnity, and perhaps medical, dental and other benefits would cost the company if it were to hire said disabled person, the Company would be more inclined to move on him/her and take the next best person available, if the disabled person was, indeed, the best applicant.

It is understandable, a disabled person is more likely than others to become sicker and declare Long Term Disability Benefits from them, and many insurance companies, upon seeing the extent of the person's disability, will outright refuse coverage. This is something that would need Government Intervention, let alone assistance. Because, once hired, the company has to provide the coverages and benefits to the disabled person, otherwise it is called discrimination.

While still able to work, I was applying to companies that had hired me in the past, and who had given me rousing Letters of Recommendations, as well as letters from Generals in several foreign Air Forces. One

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