When you’ve been injured, you have a lot of things that are going through your mind. Having to worry about paying your bills shouldn’t be keeping you up at night. Here are some of the steps that you can take that will allow you to avoid losing your wages following a personal injury accident.
Contact Your Insurance Company
Depending on where the injury occurred, you may be able to be reimbursed for any lost wages by your insurance company. For example, if you were injured as a result of a car accident, your car insurance may compensate you for lost work time. If the injury occurred in the workplace, workers’ compensation would be able to cover your lost wages. If your injury occurred in a store, you may be able to file an insurance claim through the store’s insurance.
Get Supplemental Insurance
The point of supplemental insurance is so that you can pay the bills if you were to be injured in some manner. This could be that you suffered an injury in your own home and don’t know how you’re going to pay your bills. Having supplemental insurance will allow you time to recover without having to stress over being able to make ends meet. There are a variety of companies that you can purchase this form of insurance through or your employer could offer it as well.
Use Personal Work Leave
You may have the ability to take some paid time off from work. This is an option for some employers. If your employer isn’t willing to work with you on this issue, schedule a consultation with personal injury attorney services so that your options can be laid out for you. This may give you some peace of mind so that you can avoid losing your wages on top of having to recover from your injury.
Obtain Disability Insurance
Disability insurance comes in two basic forms. There are short-term disability and long-term disability insurance plans that are available. This type of insurance is often available through your health insurance or even through your employer. The point of it is so that you can pay your bills even when you’re unable to work for a time. Short-term disability generally covers up to six months before long-term disability will kick in to cover your lost earnings.
You have options available to you that will help you to avoid losing your wages even when you can’t work. Use these tips so that you can continue to make ends meet until you can return to the workforce.
Author Info: Rachelle Wilber is a freelance writer living in the San Diego, California area. She graduated from San Diego State University with her Bachelor’s Degree in Journalism and Media Studies. She tries to find an interest in all topics and themes, which prompts her writing. When she isn’t on her porch writing in the sun, you can find her shopping, at the beach, or at the gym. Follow her on Twitter and Facebook: @RachelleWilber.