You cannot underestimate the impact of being injured and unable to work, especially if the injury did not occur at your workplace. Unfortunately, the system works against an injured worker. While you may have lots of choices, there are specific steps you need to take to pay bills and sustain a comfortable lifestyle when you cannot go to work.
Different kinds of accidents can cause personal injuries, such as car accidents, workplace accidents, medical malpractice, and fortuitous accidents, to name just a few. In the case of a fortuitous accident, where an accident came about by chance and not the negligence of another party, you do not get paid if you fail to report to work. An employer is under no obligation to pay for services they did not receive. You can only get compensation if you have insurance cover based on its terms.
For accidents caused by a third party, you qualify to get compensation for all losses and damages reasonably caused by their negligence. They have to cover your medical expenses, pay for any damages and pay for all lost income the claimant could have generated had they not suffered the injury. What to Do When You Cannot Work Due to Injury:
Once you have consulted your doctor to determine the extremity of your injuries, you have to contact your employer to tell them that you will not be able to report to work. Find out how many sick days you have or leave days you have to cover your absence while getting paid or keeping your job. Depending on how long you will not be able to work, your employer can decide to lay you off, or they may retain your services after recovery. You do not automatically have the right to keep your job.
If your injuries are so severe that you cannot go back to work even after recovery, you can apply for social security disability benefits. The amount you get varies from person to person, depending on their income. If you have paid a higher amount to the system, you get a higher amount in your disability benefits.
However, qualifying for social security disability bills has become increasingly complex over the past few years as more and more people in their 20s apply for benefits on the grounds of mental conditions. The injury can also be a mental condition such as trauma, depression, or anxiety. You may need to work with lawyers for disabled people to qualify for consideration. Attorneys for people with disabilities can prove that your injuries have prevented you from working. They also understand some legal loopholes you can exploit to increase your chances of getting the benefits.
Depending on the size of the company you work for, you may take advantage of some laws to keep your job after recovering. That is why you need a reliable attorney to work with. If you have worked for a company with over fifty employees for over a year, you qualify for twelve weeks of leave. Although you do not get paid by your employer during this period, you can go back to work afterward. Companies with fifteen or more workers have to accommodate injured employees. You may get suitable work hours, special tools and equipment, or even earn extra days to recover before you can go back to work entirely. Enquire about the possibility of working as you recover.
Hiring an attorney means that you get the input of someone familiar with the different laws and regulations applicable to your case.
In some states, you may qualify for temporary disability insurance through programs run by the state. Depending on your state of residence, the programs may pay for partial wage replacement for at least six months. Some employers offer group long-term and short-term insurance for all employees. The insurance pays between 50% and 80% of the gross monthly salary until you are fit enough to go back to work. Always inquire with your HR department to determine if your company offers ERISA insurance and make a claim as soon as possible.
Sustaining injuries that prevent you from going back to work can have a substantial mental and financial impact. Although you can never roll back the clock, there are a few steps you can take to make the situation less severe. Always notify your employer and contact an attorney. You can also apply for social security disability benefits or different programs that can offer financial assistance both in the short-term and long term.