The good news is that you have options when it comes to supporting yourself and your family after an accident. Here are just three ideas for bringing in some money even if you’re unable to work.
1. Insurance
There are several types of insurance that can help you pay the bills after you’ve been injured. The big one is disability insurance.
Depending on things like how long you’ve worked for your company and how much your injury will impact your future earning potential, you might qualify for either short-term disability (STD) or long-term disability (LTD) benefits. The criteria can be strict, and there’s typically a waiting period called an "elimination period" before you can apply, but it’s worth looking into if you know that you won’t be able to return to your cubicle anytime soon.
2. Government Assistance
You’ve probably heard of the Supplemental Nutrition Assistance Program (SNAP) that offers food stamps to people in need, but you might not be familiar with other government programs such as the Low Income Home Energy Assistance Program (LIHEAP).
It can help you pay your utility bills or make low-cost home improvements, and these things can be literal lifesavers when you need heat in the winter months.
You might also qualify for specific welfare programs if you’re struggling with debt, childcare, medical bills or job training for a new, post-injury career. Reach out to local assistance programs and see what they can do for you.
3. Personal Injury Settlement
Last but not least, if you were injured through no fault of your own, you might be entitled to compensation from the responsible parties. For example, if you worked in hazardous conditions or were involved in a no-fault car wreck, you can file a personal injury lawsuit and ask the defendant to cover your hospital bills or make up for the wages that you’re going to lose.
Don’t be intimidated by the thought of going to court; many personal injury cases are settled by lawyers and insurance companies before they even reach a judge. You just need to find the right legal representation to help you navigate the waters of your injury or disability claim. Accident lawyer referral services can assist you here.
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These are just a few ways that you might pay the bills after an accident. You might be stuck in a cast, but you can still hop in the driver’s seat when it comes to figuring out your finances and deciding what you’re going to do next. Your injury doesn’t have to be the end of your earning.
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