After a road accident, it is often difficult to know where to turn for many kinds of help. Suppose you were injured while at work. It can be a little tricky. It’s also hard to navigate if you’re in the middle of recovery.
With increasing traffic injuries in the US yearly, this is a more common occurrence. You must know how to go about this if you find yourself in this situation.
One of the problems you may encounter is getting financial assistance. Who will help you with your medical bills and other related expenses? Aside from that, you may also need help getting your job back or finding a new one.
If you don’t know how to manage your finances after an accident at work, here are some things that can help you out.
1. Check with your employer first
Your company may have the policy to help employees injured on the job. Check with your human resources department or supervisor to see what kind of assistance is available.
There are different types of assistance that your employer may offer. For instance, they may help you with your medical bills or give you a temporary salary while you’re recovering.
2. Get help from a personal injury lawyer
If you were injured due to someone else’s negligence, you might be able to get compensation by filing a personal injury lawsuit. A personal injury lawyer can help you with this. Your labor rights can protect you, especially if you are not at fault for the accident.
You may be able to get compensated for your medical bills, lost wages, and pain and suffering. The amount of compensation you can get will depend on the severity of your injuries.
Filing a personal injury lawsuit can be complicated and time-consuming. But if you win, you may be able to get a large sum of money to help you with your financial needs.
3. Apply for disability benefits
If your injury is severe and prevents you from working, you may be eligible for disability benefits. These benefits can help you with your living expenses while you’re recovering.
To apply for disability benefits, you must submit a medical report detailing your injury and how it prevents you from working. The information should be from a licensed physician.
4. Get help from government programs
There are also government programs that can help you with your finances after an accident at work. For instance, the Social Security Administration has a program for disabled workers. If you qualify, you will receive monthly benefits to help you with your living expenses.
Filing claims for government assistance may be tedious, so you have to ask for help from a lawyer or an advocate.
5. Seek financial assistance from charities
If you’re struggling to make ends meet, some charities can help you. For instance, the United Way and other networks offer financial assistance to people in need.
Seeking financial assistance from charities can significantly help you because it won’t ask you to pay anything back.
6. Establish an online fundraiser
If you need help with your medical bills or other expenses, you can also set up an online fundraiser. This is a great way to get financial assistance from family and friends online.
We know that online fundraising initiatives have a broad reach. But it can expand, especially if you share your call on social media platforms. Sharing your fundraising activity on social media can boost its visibility. That’s going to be a great help in attracting potential donors.
7. Take out a loan
If you need immediate financial assistance, you can also take out a loan. Many lenders offer loans specifically for people who have been injured in an accident. Just shop around and compare interest rates before you choose a loan.
What’s good about taking out a loan is you can pay it back over time in installments. This can help ease your financial burden after an accident at work.8. Ask for help from your relatives and friends
Your family and friends can also be a great source of financial assistance. They can help you with your living expenses or give you a loan. Some family and friends may still want to make the loan formal so you can pay them back over time. Both parties may still require contracts in this case. Make sure to put everything in writing to avoid any misunderstanding.
Making ends meet after an accident at work can be difficult. But with the right resources, you can get the financial assistance you need. You have to know everything you can do if an accident happens. This way, you won’t be left financially struggling, and you can recover without having to stress yourself about money matters.