Suffering an injury at work doesn’t just affect you physically. It can also be a financial disaster. An injury can stop you from being able to work, which can prevent you from picking up a paycheck. You might have to find other ways to cover your financial losses.
But you should know that there’s a lot of help out there for those who have suffered work injuries. In many cases, your employer will still be able to help you. There are also government and legal procedures in place for those who are out of work with injuries. Here’s some of the help you should look into.
Workers’ Compensation
In many cases, it’s legally required that employers compensate you when you’re out of work. If you’ve sustained a work injury, make sure you report it as soon as possible. Ask your manager or HR representative to help you with the process.
Many employers will cover your medical bills. They may also give you a disability wage while you’re out of work.
It only applies in certain circumstances. You have to be a full employee as opposed to a contractor. The laws on this also vary from state-to-state.
Personal Injury Lawyers
When you’ve been injured at work, it’s well worth seeking legal advice. You might be entitled to a lot of money, particularly in cases where the employer is at fault. It also pressures your employer to improve health and safety measures for employees.
Many legal firms deal with these kinds of cases, such as Meyer and Blumenshine. Lawyers with experience in personal injury cases can inform you of what you’re eligible to receive. They’ll also fight your case to make sure you get the money you’re entitled to.
They can help with your financial situation in many ways. You’ll often be able to receive compensation for your injury. Injury lawyers can also assist you with disability and insurance claims. It’s well worth consulting with a legal expert if you’ve suffered a personal injury.
Disability Benefits
If you’ve received a serious injury that’s rendered you unable to work, you may be eligible for disability benefits. The government provides this to many people to help them with such injuries.
It can be a long process. Make sure you apply for disability benefits as soon as possible if you’ve received a debilitating injury. You’ll need certain documents, such as medical records of your disability and your most recent W-2 form. It’s worth applying for, as it can be a massive help for keeping you financially stable.
Health Insurance
When you get injured, you’ll most likely have to deal with a lot of medical costs. As well as hospital bills, you may also need physical therapy. These expenses can add up, so it’s worth checking whether your health insurance provider can help.
In many cases, insurance providers don’t cover work-related injuries. Instead, you may need to rely on workers’ compensation insurance from your employer to cover your medical bills. However, some policies do cover you in such situations. Check with your insurance provider whether they can offer any help.
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